OUR Credit Union $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $500 in qualifying direct deposits
- Deposit window: 60 days
- Minimum opening deposit: $300
- Enroll in e-statements (go paperless)
- Make 1 debit card transaction
- Availability: MI
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $0 — No monthly fee.
- No early-closure rule listed
- Bonus posts: ~60 days
What Counts as Direct Deposit
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.
Requirements: at least one debit card transaction per month over the first 60 days, eStatements, and recurring monthly direct deposits totaling $500 or more. 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
OUR Credit Union is currently offering a $300 checking bonus. The core requirement is $500 in qualifying direct deposits within 60 days. The eligible account has no monthly maintenance fee documented in the catalog.
Pros
Cons
Notes
Receive $500+ in direct deposits within 60 days. Allow approximately 60 days for the bonus to post after qualification.
How This Compares to Other Bonuses
OUR 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 OUR Credit Union checking bonus?
OUR Credit Union currently advertises $300. The principal requirement is $500 in qualifying direct deposits within 60 days.
Does the OUR Credit Union bonus require direct deposit?
Yes. The catalog currently records $500 in qualifying direct deposits within 60 days. Confirm the bank's exact definition before applying.
When should the OUR Credit Union bonus post?
The tracked estimate is about 60 days after you satisfy the requirements.
Full Requirements
Open a new Premium Checking account; OUR Credit Union matches the opening deposit up to $300 (deposit $300 to get $300), paid about 60 days after opening. Requirements: at least one debit card transaction per month over the first 60 days, eStatements, and recurring monthly direct deposits totaling $500 or more. Not available if you have an OUR Credit Union checking account or closed one in the previous 12 months. Offer expires September 30, 2026.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Michigan residents only. New members only.
Apply
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Sources (1)
We last checked on September 22, 2026, but could not confirm every detail directly on the bank's page.
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.