[FL Only] USF Federal Credit Union $200 Checking Bonus

Update 5/5/26: Extended until 6/30/26. Requires $750+ in monthly direct deposits now instead of $500. Hat tip to reader flguy

Update 2/24/26: Available again and possibly available OOS and soft pull now? Keep in mind they are ChexSystems sensitive, especially for out of state customers.

Update 12/28/25: Available again until December 31, 2025. Says for Citrus Park branch but can open online and just need to select Citrus Park? Hat tip to reader Acid Bath

Update 7/3/23: Extended until  September 30, 2023.

Offer at a glance

• Maximum bonus amount: $200
• Availability: FL
• Direct deposit required: Yes, $750+ per month 
• Additional requirements: See below
• Hard/soft pull: Soft pull based on recent datapoints
• ChexSystems: Unknown, sensitive
• Credit card funding: Up to $1,015
• Monthly fees: $5, avoidable
• Early account termination fee: Unknown
• Household limit: None listed
• Expiration date: June 30, 2023

The Offer

Direct link to offer

• USF Federal Credit Union is offering a $200 checking bonus when you open a enw checking account and complete the following requirements:
  • Establish a direct deposit of $500 or more per month into the account
  • Enroll in eStatements

The Fine Print

• $200 offer not valid to existing checking accounts converting to a Catalyst Connect Checking account.
• New checking account must remain open and in good standing for 6 months.
• $200 deposit will be made into checking account the month following the 3rd consecutive direct deposit.
• USF FCU membership required.
• Must be 18 years of age or older.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

$5 monthly fee if balance below $500, or no credit card / loan account

Early Account Termination Fee

I wasn’t able to find the fee schedule so unsure if there is an EATF.

Our Verdict

Seems like an OK bonus if it’s a soft pull, if anybody goes for it please share your experiences in the comments below.

Useful posts regarding bank bonuses:

• A Beginners Guide To Bank Account Bonuses
• Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
• PSA: Don’t Call The Bank
• Introduction To ChexSystems
• Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
• What Banks & Credit Unions Do/Don’t Pull ChexSystems?
• How To Use Our Direct Deposit Page For Bank Bonuses Page
• Common Bank Bonus Misconceptions + Why You Should Give Them A Go
• How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
• Affiliate Links & Bank Bonuses – We Won’t Be Using Them
• Complete List Of Ways To Close Bank Accounts At Each Bank
• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times