Verve, A Credit Union $600 Checking Account Bonus (2026) - Review & Requirements

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• Direct deposit: $1,000 in qualifying direct deposits
• Keep a $10,000 average balance across the statement cycle
• Minimum opening deposit: $5

• Availability: WI, MN, IL
• No stated lifetime limit
• ChexSystems sensitivity: Medium
• Credit pull: soft pull only

• Monthly fee: $15/mo — Optimum Checking carries a "$15.00 monthly service fee", waived with a "Verve Credit Card or $10,000 Combined Deposit Account Average Balance". A member chasing the $10,000 balance bonuses clears the waiver by doing so.
• No early-closure rule listed

$200 Welcome Bonus when "qualifying ACH direct deposits totaling at least $1,000 are deposited into your new checking account within the first two full calendar months". 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.

Report what worked for you. A free account is all it takes. Reports are attached to the offer, never to your name.

Plan this as a $200 offer with a long tail rather than a $600 offer. Route $1,000 of ACH direct deposits inside the first two full calendar months and the first $200 is done. The second $200 needs a $10,000 average monthly balance across three full calendar months, and the third needs that same balance held through twelve, so the last third of the money costs you a year of parked capital. The balance test is an average rather than a floor, so a dip mid-month is survivable if the month's mean holds, and clearing $10,000 also waives the $15 monthly service fee. Membership costs a $5 share, and if you live outside the Wisconsin, Minnesota and Illinois counties in the charter, the credit union names American Consumer Council as a nationwide route in.

Optimum Checking carries a "$15.00 monthly service fee", waived with a "Verve Credit Card or $10,000 Combined Deposit Account Average Balance". A member chasing the $10,000 balance bonuses clears the waiver by doing so.

Credit union membership application. ChexSystems sensitivity is not stated by Verve; medium is the ordinary credit-union assumption and not an issuer figure.

New members only: "Bonus only available to new members who have not had a Verve Checking or Membership Share account within the past 18 months." The charter reaches "23 counties throughout Wisconsin (Brown, Buffalo, Calumet, Dodge, Fond du Lac, Green Lake, Jackson, La Crosse, Manitowoc, Milwaukee, Monroe, Outagamie, Ozaukee, Portage, Sheboygan, Trempealeau, Vernon, Washington, Waushara, Waupaca, and Winnebago), Minnesota (Houston and Winona), and Illinois (DuPage and all portions of Cook County north of Highway 20/95th Street)". THERE IS A NATIONWIDE ROUTE IN and Verve publishes it: membership "is also open to employees of Kimberly-Clark Corp., Fox River Paper Co., the medical services industry, and the immediate family of any current member, or anyone nationwide through American Consumer Council membership (ACC)". The stored WI/MN/IL list is the charter's geography; a member outside it joins through ACC.

What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.