Grow Financial FCU $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: 2 separate direct deposits of $500 or more each
- Deposit window: 90 days
- Minimum opening deposit: $1
- Enroll in digital / online banking
- Availability: FL, SC
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $0
- No early-closure rule listed
- Bonus posts: ~90 days
What Counts as Direct Deposit
8 reports across 1 source. Last report Jul 13, 2026. Doctor of Credit comments 8.
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.
Then receive two newly established qualifying direct deposits of $500 each, $1,000 in total, within those same 90 days, and they have to land in the new checking account. A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security or other regular monthly income. 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
Grow Financial FCU is currently offering a $300 checking bonus. The core requirement is 2 separate direct deposits of $500 or more each within 90 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Make 2 SINGLE direct deposits of $500 or more each within 90 days. Allow approximately 90 days for the bonus to post after qualification.
How This Compares to Other Bonuses
Grow Financial FCU's $300 offer is closest in headline value to American Express's $300 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 Grow Financial FCU checking bonus?
Grow Financial FCU currently advertises $300. The principal requirement is 2 separate direct deposits of $500 or more each within 90 days.
Does the Grow Financial FCU bonus require direct deposit?
Yes. The catalog currently records 2 separate direct deposits of $500 or more each within 90 days. Confirm the bank's exact definition before applying.
When should the Grow Financial FCU bonus post?
The tracked estimate is about 90 days after you satisfy the requirements.
Full Requirements
Open either a Basic Savings plus Grow CashBack Checking, or a Basic Savings plus Checkless Checking; membership needs the Basic Savings account with a minimum $1 deposit. Set up Grow Online Banking and mobile banking within 90 days of opening the checking account. Then receive two newly established qualifying direct deposits of $500 each, $1,000 in total, within those same 90 days, and they have to land in the new checking account. A qualifying direct deposit is a recurring electronic deposit of a paycheck, pension, Social Security or other regular monthly income. Transfers, ATM deposits, online and mobile banking transfers, person to person payments, cash advances and transfers from another financial institution or brokerage do not count. The $300 is credited within 90 days of you meeting the deposit and online-banking requirements. One bonus per member.
Fees
ChexSystems & Credit Pull
Eligibility
State restricted: FL, SC. Military also eligible. New Grow Financial checking customers only.
Apply
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Sources (2)
We last checked this against the bank's page on September 26, 2026.
Historical Promotions
The current $300 is the highest we've tracked since October 2023.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
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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.