FourLeaf Checking Bonus: $550 from Four Leaf Federal Credit Union (2026)
Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
- Direct deposit: a qualifying direct deposit of $500 or more
- Deposit window: 90 days
- Minimum opening deposit: $10
- Availability: Nationwide
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: High
- Credit pull: soft pull only
- Monthly fee: $0 — Free Checking has no monthly fee.
- No early-closure rule listed
- Bonus posts: ~150 days
What Counts as Direct Deposit
15 reports across 1 source. Last report Jun 28, 2026. Doctor of Credit comments 15.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
$350 (First DD Bonus) after just ONE qualifying direct deposit of $500+ posts within 90 days, paid within 60 days of that first DD. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
Four Leaf Federal Credit Union is currently offering a $550 checking bonus. The core requirement is a qualifying direct deposit of $500 or more within 90 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Make a single direct deposit of $500 or more within 90 days. Allow approximately 150 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Four Leaf Federal Credit Union's $550 offer is closest in headline value to Bank of America's $500 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current Four Leaf Federal Credit Union checking bonus?
Four Leaf Federal Credit Union currently advertises $550. The principal requirement is a qualifying direct deposit of $500 or more within 90 days.
Does the Four Leaf Federal Credit Union bonus require direct deposit?
Yes. The catalog currently records a qualifying direct deposit of $500 or more within 90 days. Confirm the bank's exact definition before applying.
When should the Four Leaf Federal Credit Union bonus post?
The tracked estimate is about 150 days after you satisfy the requirements.
Related Bonus Reviews
Full Requirements
Opening this costs $10 online: $5 to open the checking account plus a $5 savings share that makes you a member. Opened in a branch the checking side is $0, so $5 covers it. Open a new Free/Smart/Student Checking by 12/31/2026. $350 (First DD Bonus) after just ONE qualifying direct deposit of $500+ posts within 90 days, paid within 60 days of that first DD. +$100 (Second) after a qualifying DD posts for 12 CONSECUTIVE months following the initial DD; +$100 (Third) after 24 consecutive months. Miss any single month after the first DD and BOTH $100 tranches are forfeited. A qualifying DD is a recurring payroll/pension/government deposit of $500+; ACH pushes, bank transfers, ATM deposits, and P2P (Zelle) do NOT count. One checking bonus per person, ever.
Fees
Free Checking has no monthly fee.
ChexSystems & Credit Pull
ChexSystems sensitive. Approval hinges mostly on how many accounts you've opened in the last 1-2 months (zero or one is ideal); no hard credit pull, only a ChexSystems inquiry. FourLeaf often returns the application with a 'complete/resubmit' step and pulls ChexSystems a SECOND time, so data points suggest freezing your ChexSystems file right after the first submission to block that second inquiry. Credit card funding not allowed (online funding is via Plaid).
Eligibility
Once-per-lifetime: not eligible if you've ever received a FourLeaf new-checking bonus, and only one checking bonus per person. Four Leaf FCU (formerly Bethpage Federal Credit Union, rebranded 2026). Membership is open to anyone nationwide who opens a $5 savings share, with no New York residency, employer group, association, or donation required (the easy Bethpage-era path survived the rebrand). Must be a U.S. citizen or permanent resident (green-card holder); requires SSN and a government photo ID. Account must be opened between 02/02/2026 and 12/31/2026.
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Sources (2)
We last checked this against the bank's page on September 8, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.