1st Advantage FCU $200 Checking Bonus

Entitlement facts

Benefit type

Bank account bonus. Cash or another reward offered for opening, funding, or using an eligible bank or credit-union account. Taxonomy definition →

What it unlocks

$200 credited to the qualifying checking account 60–90 days after opening, after one qualification review during that 60–90-day period

Who qualifies

Person eligible for 1st Advantage membership by living, working, worshiping, or attending school in Hampton Roads or eligible parts of Richmond or North Carolina, or as an immediate family member of a current member; New or existing 1st Advantage member who does not currently have a 1st Advantage checking account

Requirements

Do not currently have a 1st Advantage checking account. Open Premier, Preferred, or Free Advantage Checking with promo code CHECKING200, sign up for eStatements, have one monthly recurring direct deposit go into the account, and make at least $200 in purchases with the 1st Advantage Debit Mastercard within 60 days after opening. The official terms do not state a minimum amount for the recurring direct deposit, so treat the required amount as unpublished rather than $0. Keep the account open and in good standing for 90 days. 1st Advantage reviews the account once during days 60–90 and credits a qualifying account during that same 60–90-day window. High-Yield Checking is advertised on the page as a separate 4.00% APY offer and is not one of the three accounts named as eligible for this $200 bonus.

How to activate

Start from 1st Advantage's dedicated checking-offer page, choose the New Member or Current Member path that applies, and confirm that promo code CHECKING200 and one of the three eligible products—Premier, Preferred, or Free Advantage Checking—are attached before entering personal information. Do not substitute the separately advertised High-Yield Checking account. After opening, enroll in eStatements, establish a real monthly recurring direct deposit, complete at least $200 in debit-card purchases within 60 days, and preserve account and transaction records through the single day-60-to-90 review and payout window.

Cost basis

Qualifying purchase required. The benefit is earned only when the user makes an eligible underlying purchase.

Cost and fees

Free Advantage Checking advertises no monthly fee and no minimum opening deposit. Preferred Checking has no monthly fee with a $250 average daily balance; otherwise it costs $7 per month. Premier Checking costs $5 per month. Closing the new account within the first 90 days triggers a $15 early-closing fee, and the current personal fee schedule lists a $29-per-item insufficient-funds overdraft fee. The $200 debit-card threshold is required purchase activity, not a deposit. The offer publishes no direct-deposit minimum amount and no fixed expiration date; it is limited-time and may be canceled without notice. 1st Advantage's financial privacy notice says it collects data including Social Security number, income, balances, payment history, credit history, and credit scores; it shares for everyday business, its own marketing, joint marketing, and some affiliate purposes, permits limiting affiliate marketing by phone, does not share with non-affiliates for their marketing, and says described sharing can continue after membership ends.

Geography

US, 1st Advantage membership field: Hampton Roads and eligible parts of Richmond and North Carolina, plus immediate family of current members

Personalization

Published eligibility is not described as individually targeted.