Offer at a glance
| Item | Details |
|---|---|
| Maximum bonus amount | $300 |
| Availability | Georgia only — must live or work in metro Atlanta. Can also qualify if you’re part of an eligible association or employed by an eligible company |
| Direct deposit required | Yes (as of most recent updates) |
| Additional requirements | Maintain $500 balance + 5 debit card transactions of $5+ |
| Hard/soft pull | Soft pull |
| ChexSystems | No |
| Credit card funding | None |
| Monthly fees | None |
| Early account termination fee | Unknown |
| Household limit | None listed |
| Expiration date | Varies by promo cycle (most recent: October 31, 2025) |
How it works
Delta Community Credit Union is offering up to a $300 checking bonus when you open a new checking + savings account and complete the following steps:
- Open a consumer savings and checking account with the promo code (auto-applied via offer link).
- Deposit at least $500 into the new checking account within 60 days of account opening.
- Maintain an average balance of $500 for the first 60 days (aggregate across savings, checking, or money market).
- Make at least five debit card transactions of $5+ each within the first 60 days.
- Meet any direct deposit requirements if specified in the current promo window.
Once you’ve met these conditions, the bonus will be credited to your checking account within 60 days.
Important Details
- Must qualify for Delta Community membership.
- Offer valid only for first-time Delta Community members.
- Account must remain in good standing (positive balances, loans current, compliance with terms).
- One-time use — cannot be combined with other offers.
- Bonus subject to IRS reporting (1099-INT).
- Past offers have had targeted language (only for those who received direct communication).
Avoiding Fees
- Monthly fees: Free checking account with no monthly fees.
- Early account termination fee: None listed in the fee schedule.
Update History
- Oct 5, 2025: Bonus increased to $300.
- Sep 7, 2025: Deal back for $200, but requires $1,000 direct deposit.
- Jul 19, 2025: Bonus now $300 (valid until Aug 31, 2025) — targeted language included.
- Jun 5, 2025: Extended through June 30, 2025.
- Mar 29, 2025: Available until May 31, 2025.
- Sep 9, 2024: Requires direct deposit again.
- Sep 3, 2024: Bonus reduced to $200 (was $250); no direct deposit required. Valid until Dec 31, 2024.
- Jun 16, 2024: Extended until Aug 31, 2024.
- Mar 3, 2024: Back until May 31, 2024.
- Sep 13, 2023: Bonus now $250; requires direct deposit; valid until Dec 31, 2023.
- Earlier years: Promo has cycled between $150–$250 since 2019.
Our Verdict
This is a solid regional bonus for those in metro Atlanta. With a soft pull and no ChexSystems inquiry, it’s one of the easier bonuses to earn.
The requirements (small deposit, $500 balance, 5 debit card swipes) are straightforward. The only caveat is the targeted language that sometimes appears — so make sure you’re eligible before applying.
For locals, this is one of the better credit union offers in Georgia right now.
