DOC Compass — Offers, decoded

Note: The terms say ‘Offer available only to eligible recipients who receive this promotion directly from Langley through the new member acquisition direct mail campaign’ so if you didn’t receive a mailer there is a good chance you’ll be denied the bonus. Some people want an account for the card that earns 10% ($100 cashback per month limit) so are happy to risk it.

Offer at a glance

Maximum bonus amount: $300 checking & $250 savngs
Availability: NC & VA, contains targeted language
Direct deposit required: Yes, $1,000+ per month for three months
Additional requirements: See below
Hard/soft pull: Soft pull
ChexSystems: No
Credit card funding: None
Monthly fees: None
Early account termination fee: Unknown
Household limit: None
Expiration date:

The Offer

Direct link to offer

Langley Federal Credit Union has two bonuses when you use promo code LANGLEYBONUS2026 (should be auto applied):
- Earn a $300 bonus when you open a new checking account and Receive qualifying deposits of at least $1,000 each month for 3 consecutive months
- Earn a $250 bonus when you open a new high yield savings account within 30 days of your membership and Maintain a qualifying High-Yield balance for 180 days. Bonus you receive depends on your average daily balance:
  - $5,000 – $9,999 and earn a $50 bonus
  - $10,000 – $24,999 and earn a $150 bonus
  - $25,000 – $50,000 and earn a $250 bonus

The Fine Print

To qualify for the $300 checking reward, new and existing members who receive the promotional email directly from Langley must open a Langley Checking account within 30 days of membership open date, receive qualifying deposits of at least $1,000 each month for three consecutive months, and keep the account open and in good standing through the reward payout date. Reward will be deposited into the member’s Langley savings account after the third consecutive month of qualification and after all requirements have been verified. Qualifying deposits include payroll, pension, Social Security, or other recurring income electronically deposited through the Automated Clearing House network. Transfers between Langley accounts, person-to-person payments, mobile deposits, ATM deposits, cash deposits, check deposits, wire transfers, and trial deposits do not qualify. Limit one checking reward per eligible member. Offer may not be combined with other checking promotional offers.
To qualify for the High-Yield Savings reward, new members must open a Langley High-Yield Savings account within 30 days of establishing membership to earn a reward based on the account’s average daily balance during the first 180 days. Average daily balance below $5,000 does not qualify. Reward tiers are $50 for $5,000–$9,999.99; $150 for $10,000–$24,999.99; and $250 for $25,000 or more. Reward will be deposited within 30 days after the 180-day period. Limit one High-Yield Savings reward and one High-Yield Savings account per member. $5 deposit to Langley savings account required for membership. Rates subject to change. Additional terms apply. Federally insured by NCUA.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Neither account has any monthly fees

Early Account Termination Fee

Wasn’t able to find a fee schedule so unsure if there is any EATF.

Our Verdict

The savings account earns 3.6% APY when you’re enrolled in eStatements and don’t make more than one withdrawal per month. That makes the savings bonus worth doing (just) as the bonus makes it an extra 2% APY for the $50 and $250 bonuses and 3% for the $150 bonus. Others will prefer to stick to their favorite high yield savings account. The checking bonus is better than the previous referral bonus, although keep in mind the targeted language. Because of that targeted language we won’t add this to our list of the best bank account bonuses.

Hat tip to reader Quisp

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