{"id":"bank-bonus-pecu-200-direct-deposit-not-required-tx","name":"PECU $100 Refer-a-Friend Bonus for Each Party — TX","provider":"PECU","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":"A current PECU member and an eligible referred new member can each earn $100 after the new member completes the published account and debit-card requirements.","benefit":{"description":"$100 referral bonus for the referring member and $100 for the referred new member","estimated_value_usd":100},"discovery":{"focus":"redeemable-value","has_estimated_dollar_value":true},"access":{"relationships":["Current PECU member making a referral","Eligible new PECU member completing the referral requirements"],"requirements":"The referred person must be an eligible new PECU member, open savings with the required $10, open checking, and complete five signature-based debit-card purchases of at least $10 within 60 days; the referring member starts the referral through PECU online banking.","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","Texas PECU membership eligibility"],"expires":null},"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.pecutx.org/explore/membership/refer-a-friend.html"},"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.pecutx.org/explore/membership/refer-a-friend.html","action_url":"https://andrewsfreebies.com/go/entitlement/bank-bonus-pecu-200-direct-deposit-not-required-tx?from=api","official_action":{"allowed":true,"status":"ready","reason":"The latest official-source audit confirmed every normalized term it tested."},"source_url":"https://www.pecutx.org/refer-a-friend-terms-eligibility.html","source":{"primary_url":"https://www.pecutx.org/refer-a-friend-terms-eligibility.html","evidence":[{"source":"Official bank or credit-union offer terms","url":"https://www.pecutx.org/refer-a-friend-terms-eligibility.html","kind":"provider","checked_at":"2026-08-25"}]},"parent":null,"coverage":null,"web_url":"/benefits/bank-bonus-pecu-200-direct-deposit-not-required-tx","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}