{"id":"bank-bonus-municipal-credit-union-nyc-350-bonus","name":"Municipal Credit Union $150–$350 Everyday Hero Checking Bonus — NY","provider":"Municipal 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 Everyday Hero Checking customers can earn $150, $250, or $350 based on qualifying direct deposits received during the first 90 days.","benefit":{"description":"$150 to $350 checking account bonus","estimated_value_usd":350},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Eligible new MCU member or existing MCU member without Everyday Hero Checking and without a checking bonus in the past 24 months"],"requirements":"Open Everyday Hero Checking by December 31, 2026 and receive at least three qualifying direct deposits during the first 90 days, with at least one every 30 days. Total qualifying deposits of $1,000, $2,000, or $3,000 earn $150, $250, or $350.","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","New York City-area MCU membership eligibility"],"expires":"2026-12-31"},"status":"verified","last_checked":"2026-09-01","verification":{"checked_at":"2026-09-01T16:52:39.304Z","outcome":"confirmed-exact","evidence_quality":"provider","checked_url":"https://www.nymcu.org/personal-banking/everyday-hero"},"verification_readiness":{"status":"audit-confirmed-exact","latest_outcome":"confirmed-exact","latest_checked_at":"2026-09-01T16:52:39.304Z","interpretation":"The latest official-source audit confirmed every normalized term it tested."},"claim_url":"https://www.nymcu.org/personal-banking/everyday-hero","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-municipal-credit-union-nyc-350-bonus?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.nymcu.org/personal-banking/everyday-hero","source":{"primary_url":"https://www.nymcu.org/personal-banking/everyday-hero","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.nymcu.org/personal-banking/everyday-hero","kind":"provider","checked_at":"2026-08-25"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-municipal-credit-union-nyc-350-bonus","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}