{"id":"bank-bonus-four-leaf-federal-credit-union-550","name":"FourLeaf FCU $350 + Two $100 Checking Bonuses","provider":"FourLeaf Federal 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":"Eligible new primary checking owners can earn $350 after a qualifying recurring income deposit of at least $500 posts within 90 calendar days, then $100 after 12 consecutive following months and another $100 after 24. The $550 headline is a two-year retention offer, not one signup payment.","benefit":{"description":"$350 deposited within 60 calendar days after the initial qualifying deposit, $100 within 60 calendar days after the qualifying month-12 deposit, and $100 within 60 calendar days after the qualifying month-24 deposit; up to $550 total","estimated_value_usd":550},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Everyone in the United States may apply for FourLeaf membership; approval and opening and maintaining the required $5 Savings Account share are still required","New primary FourLeaf checking owner without a prior FourLeaf new-checking account bonus","Free Checking is currently offered for ages 21 and older; Student Checking is for ages 13–20, requires a parent or guardian joint owner at ages 13–17, and is available online only at ages 18–20"],"requirements":"Open an approved Free, Smart, or Student Checking account from February 2 through December 31, 2026. You must not already be the primary owner of a FourLeaf checking account or have received a prior FourLeaf new-checking bonus. For $350, a recurring electronic paycheck, pension, or government-benefit deposit of at least $500 from an employer, government, or similar third party must post within 90 calendar days after opening. ATM deposits, debit-card transfers, online-banking transfers or deposits, Zelle, Venmo, and other person-to-person or non-income deposits do not qualify. The initial bonus is required before either anniversary bonus. A qualifying deposit must then post every following month for 12 consecutive months to earn the second $100 and for 24 consecutive months to earn the third $100; a missed subsequent month makes the account ineligible for the later bonuses. Keep the checking account open and in good standing through each payout. One member can receive only one new-checking bonus, including across multiple checking accounts, and the offer cannot be combined with another checking offer.","activation":"Start from FourLeaf's dedicated $550 offer page and save the displayed terms before applying. Choose an eligible account that the live product selector actually offers: it currently lists Free Checking and Student Checking, while the legal offer terms also name Smart Checking but the public product selector does not. Confirm that the $550 promotion is attached, that the exact account is eligible, and that the opening deadline remains December 31, 2026 before entering personal information. After approval, route a real recurring payroll, pension, or government-benefit deposit of at least $500 within 90 calendar days, then verify one qualifying deposit posts in every required month and preserve each statement through payout.","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":"The current Free and Student checking products advertise no monthly maintenance fee. FourLeaf separately requires a maintained $5 membership Savings Account share and lists a $5 checking opening minimum online or $0 in a branch; the public page states those two funding requirements separately, so the live application controls whether they require separate transfers. The current fee schedule lists $10 point-of-sale Courtesy Pay, $30 insufficient- or uncollected-funds charges, a combined daily maximum of up to $70 for those fee categories, and no FourLeaf fee at non-Co-op ATMs although the ATM owner may charge. Free Checking's currently advertised 0.40% APY is separate from the bonus: each month requires online banking with eStatements, at least one direct deposit, and 10 posted point-of-sale debit-card transactions; missing those activities makes that month's APY 0.00% but is not published as a debit-card requirement for the checking bonus. Each bonus is reported as interest on IRS Form 1099-INT, and the primary owner is responsible for applicable taxes. The member agreement includes individual arbitration and a class-action waiver, with a written opt-out due within 30 days after the agreement is provided. The privacy notice covers Social Security number, employment, balances, transactions, credit and payment history; some affiliate marketing sharing can be limited, while described sharing can continue after membership ends.","personalized":false,"regions":["US","FourLeaf says everyone is eligible to apply for membership by opening and maintaining a $5 Savings Account; membership and the checking account remain subject to approval"],"expires":"2026-12-31"},"status":"verified","last_checked":"2026-08-28","verification":{"checked_at":"2026-08-28T16:15:38.000Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://newaccount.fourleaffcu.com/products"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-08-28T16:15:38.000Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.fourleaffcu.com/ppc/checking-promo-550/","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-four-leaf-federal-credit-union-550?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.fourleaffcu.com/ppc/checking-promo-550/","source":{"primary_url":"https://www.fourleaffcu.com/ppc/checking-promo-550/","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.fourleaffcu.com/ppc/checking-promo-550/","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf Free Checking product and application disclosures","url":"https://www.fourleaffcu.com/free-checking-account/","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf current account product selector","url":"https://newaccount.fourleaffcu.com/products","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf membership and account-opening FAQ","url":"https://www.fourleaffcu.com/frequently-asked-questions/","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf current consumer fee schedule","url":"https://docs.fourleaffcu.com/disclosures/olb/MK-289-fee-schedule-12-2013.pdf","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf Consumer Member Account Agreement and January 2026 addendum","url":"https://docs.fourleaffcu.com/disclosures/account-opening/consumer-member-account-agreement.pdf?v=2","kind":"provider","checked_at":"2026-08-28"},{"source":"FourLeaf October 2025 Consumer Member Privacy Notice","url":"https://docs.fourleaffcu.com/disclosures/loan-app/consumer-privacy-notice.pdf?v=25","kind":"provider","checked_at":"2026-08-28"},{"source":"Doctor of Credit offer detail","url":"https://www.doctorofcredit.com/four-leaf-federal-credit-union-550-checking-bonus-fka-as-bethpage-federalcredit-union/","kind":"directory","checked_at":"2026-08-04"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-four-leaf-federal-credit-union-550","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}