{"id":"bank-bonus-alpena-alcona-area-credit-union-125-youth-275-adult-mi-direct-deposit-not-required","name":"Alpena Alcona Area Credit Union $100 Youth / $250 Adult Member Reward — MI","provider":"Alpena Alcona Area Credit Union","entitlement_type":"bank-account-bonus","entitlement_type_label":"Bank account bonus","entitlement_type_context":{"definition":"Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account.","domain":"financial-rewards","archetype":"conditional-offer","agent_instruction":"Disclose deposit, direct-deposit, balance, transaction, residency, fee, account-opening, and deadline requirements."},"summary":"New eligible consumer members can receive a $100 youth reward or a $250 adult reward after opening the required membership and checking products.","benefit":{"description":"$100 youth or $250 adult new-member reward","estimated_value_usd":250},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new consumer member; adult and youth terms differ"],"requirements":"Adults must open a new membership and checking account with a debit card, enroll in eStatements and the credit-monitoring service, and complete the criteria within two weeks; ages 13–17 must open the youth membership with checking, debit card, and eStatements.","activation":"Open through the eligible offer path and complete every published requirement before its deadline.","cost_basis":"requires-deposit","cost_basis_label":"Deposit or balance activity required","cost_basis_context":{"classification":"conditional-funding","definition":"The benefit requires opening, funding, maintaining, or using an account through deposits, direct deposit, balances, or qualifying transactions. Deposited principal is not necessarily a fee, but funds may be tied up and account charges may apply.","agent_instruction":"Disclose opening deposit, direct deposit, balance duration, transaction activity, account fees, closure rules, tax treatment, and deadline.","variation_patterns":null,"does_not_mean":null},"fees":"Account fees and waiver conditions vary; confirm the official fee schedule.","personalized":false,"regions":["US","Michigan"],"expires":null},"status":"verified","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T15:26:11.134Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.aaacu.com/become-a-member"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T15:26:11.134Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.aaacu.com/become-a-member","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-alpena-alcona-area-credit-union-125-youth-275-adult-mi-direct-deposit-not-required?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.aaacu.com/become-a-member","source":{"primary_url":"https://www.aaacu.com/become-a-member","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.aaacu.com/become-a-member","kind":"provider","checked_at":"2026-08-25"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-alpena-alcona-area-credit-union-125-youth-275-adult-mi-direct-deposit-not-required","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}