Bank bonuses are taxable interest — expect a 1099-INT. See our bank bonus tax guide.
What Counts as Direct Deposit
87 reports across 1 source. Last report Jun 2, 2026. Doctor of Credit comments 87.
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.
YESEmployer payroll or government benefit deposit9 reports · 7 worked · 2 failed · last report Oct 20, 2025The only near-universal trigger — real payroll or SSA/pension/tax-refund, PPD-coded. 7 member reports of it working, 2 of it failing, last confirmed Aug 2025. Members report it posting as "External Deposit [Employer Name] ( – Pay".
MAYBEWise ACH push14 reports · 9 worked · 5 failed · last report Mar 26, 2026General note: Mixed; stopped counting at SoFi ~03/2026. 9 member reports of it working, 5 of it failing, last confirmed Mar 2026.
MAYBEDiscover ACH push13 reports · 4 worked · 9 failed · last report Jun 2, 2026General note: Discover Savings ACH; inconsistent, recent failures trending up. 4 member reports of it working, 9 of it failing, last confirmed Jun 2026.
MAYBECash App ACH push11 reports · 8 worked · 3 failed · last report Jul 11, 2023General note: P2P at most; works at Capital One. 8 member reports of it working, 3 of it failing, last confirmed Jul 2023.
MAYBEChase Business (payroll ACH)9 reports · 5 worked · 4 failed · last report Jun 1, 2026General note: Payroll-coded ACH run from Chase Business checking — a sole prop does this legitimately as a Gusto owner's draw (never a fake W-2). 5 member reports of it working, 4 of it failing, last confirmed Jun 2026.
MAYBEAlly ACH push5 reports · 3 worked · 2 failed · last report May 20, 2022General note: Good but softening; fails at Chase. 3 member reports of it working, 2 of it failing, last confirmed May 2022.
MAYBEVenmo ACH push4 reports · 2 worked · 2 failed · last report Apr 27, 2025General note: P2P at most; works at Citi, Capital One, PNC, Citizens, KeyBank. 2 member reports of it working, 2 of it failing, last confirmed Feb 2023.
MAYBEFidelity ACH pushFrom the bank published terms and our own checksFidelity sends DD-coded ACH that works at most banks. KeyPoint-specific data is limited. Given the 6-month commitment, payroll is strongly recommended.
NOBank of America ACH push8 reports · 2 worked · 6 failed · last report Jan 1, 20262 member reports of it working, 6 of it failing, last confirmed Oct 2024.
NOCapital One 360 ACH push5 reports · 0 worked · 5 failed · last report Feb 14, 2025General note: Good; fails at Chase. 0 member reports of it working, 5 of it failing.
NOCharles Schwab ACH push5 reports · 0 worked · 5 failed · last report Feb 19, 2023General note: Historically strong; deteriorating at Chase/Huntington in early 2026. 0 member reports of it working, 5 of it failing.
NOPayPal ACHFrom the bank published terms and our own checksP2P transfers do not work at credit unions.
NOZelleFrom the bank published terms and our own checks
YESTreasuryDirect ACH push2 reports · 2 worked · last report Mar 18, 2025General note: Gov-coded; helps at strict banks (Chase, BofA), fails at Ally/Amex. 2 member reports of it working, none of it failing, last confirmed Mar 2025.
Then establish a recurring qualified direct deposit of at least $1,000 a month for six consecutive months, with your first qualifying deposit posting within 60 days of opening. Direct deposits have to be employment income, Social Security or other benefits, or a pension; no other payment or transfer counts, and... 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.
Source: our guide to what counts as direct deposit, verified per-bank against official terms and community data points (originally compiled with help from Doctor of Credit). Data points change, so always verify with the bank.
Overview
KeyPoint Credit Union is currently offering a $300 checking bonus. The core requirement is $1,000+ in qualifying direct deposits each month for 6 consecutive months. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
+$300 cash bonus
+No monthly maintenance fee
+No documented hard credit pull
+Available nationwide, subject to the bank's eligibility rules
+60-day qualification window
Cons
-ChexSystems-sensitive approval
Notes
Enter promo code NM26 during application. Receive $1,000+ in direct deposits EACH month for 6 consecutive months. Each period must stand on its own; front-loading one large deposit does not qualify. Keep the account open and in good standing until the bonus posts.
How This Compares to Other Bonuses
KeyPoint Credit Union'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 KeyPoint Credit Union checking bonus?
KeyPoint Credit Union currently advertises $300. The principal requirement is $1,000+ in qualifying direct deposits each month for 6 consecutive months.
Does the KeyPoint Credit Union bonus require direct deposit?
Yes. The catalog currently records $1,000+ in qualifying direct deposits each month for 6 consecutive months. Confirm the bank's exact definition before applying.
When should the KeyPoint Credit Union bonus post?
The bank does not provide a dependable posting estimate in our current record, so keep the account open until payment arrives.
Open a KeyPoint checking account with at least $10 through a referral link and give promo code RAF26 at account opening. Then establish a recurring qualified direct deposit of at least $1,000 a month for six consecutive months, with your first qualifying deposit posting within 60 days of opening. Direct deposits have to be employment income, Social Security or other benefits, or a pension; no other payment or transfer counts, and KeyPoint verifies the source. If the deposits stop, the remaining payments are forfeited. Student and Kids Checking accounts do not qualify. The whole offer window runs 6/1/2026 to 8/31/2026, so the account has to be opened inside it.
Fees
Monthly Fee$0
No monthly fee; $2 paper statement fee.
ChexSystems & Credit Pull
Chex SensitivityHigh
Hard PullNo
Soft PullYes
Soft pull reported but heavy Chex sensitivity and potential manual inquiry explanations.
Eligibility
AvailabilityNationwide
Lifetime LimitNo
You cannot have held an account or loan with KeyPoint in the previous two years, and you must be 18 or older. This offer cannot be combined with other KeyPoint promotions. Membership is open nationwide through the Financial Fitness Association, and KeyPoint pays that membership fee.
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.
