Rogue Credit Union – $500 -OR, ID, Northern CA Direct Deposit Not Required

Update 9/28/26: Extended to 10/31/26

Offer at a glance

• Maximum bonus amount:
• Availability: You may be eligible to join Rogue Credit Union if you live, work, worship or attend school in select Oregon, Idaho and Northern California counties (Butte, Del Norte, Glenn, Humboldt, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity.) Northern Cali counties aren’t listed during sign up though.
• Direct deposit required: No, but must deposit $1,000+
• Additional requirements: See below
• Hard/soft pull: Soft pull
• ChexSystems: Unknown
• Credit card funding: Up to $5,000
• Monthly fees: $10, avoidable 
• Early account termination fee:
• Household limit: None listed
• Expiration date: 9/30/26

The Offer

Direct link to offer

• Rogue Credit Union is offering a $500 bonus when you open a new MyRewards Checking account and complete the following requirements: 
  • Deposit $1,000 or more each month in your first 90 days
  • Make 10 or more transactions each month (debit or credit, Zelle, ACH and checks)
  • Enroll and maintain paperless statements
  • Do not incur a monthly service fee
• Rogue Credit Union will make a $100 donation to your local Children’s Miracle Network hospital

The Fine Print

• Offer is for new MyRewards Checking accounts only and is available only to the primary owner of the new MyRewards Checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility. Offer is not available to members that received a bonus for a Rogue Credit Union MyRewards Checking account within the past 12 months, are Rogue Credit Union employees or are non-resident aliens or foreign entities signing any version of IRS Form W-8. 
• To receive the $500 welcome bonus: you must apply either online through the promotional offer web page, in a branch or over the phone from July 20 through September 30, 2026 when opening a new Rogue Credit Union MyRewards Checking account, which is subject to approval, for three consecutive statement cycles from account opening (the “qualification period”): 
  • Deposit $1,000 or more each month
  • Make 10 or more transactions each month (qualifying transactions include Rogue debit or credit card, Zelle®, ACH and checks)
  • Maintain enrollment in paperless statements
  • Do not incur a monthly service fee
• A qualifying deposit is a deposit of funds, such as your salary, government benefit payment, or other income, that has posted to your account and is (1) a direct deposit made through the Automated Clearing House (ACH) network, (2) an instant payment processed through the RTP® network (real-time payment system) or FedNow℠ Service, or (3) an electronic credit from a third party service that facilitates payments to your debit card using the Visa® or Mastercard® network (e.g., an Original Credit Transaction). Transfers from one account to another, mobile deposits, Zelle®, or deposits made at a branch or ATM are not considered a qualifying deposit. 
• Once you have met all requirements, we will deposit the $500 welcome bonus into your Ownership Account and contribute $100 to your local Children’s Miracle Network hospital within 30 calendar days. Your new account must stay open through the time we attempt to deposit the bonus. You are responsible for any taxes due on the bonus. We will report the bonus as income to tax authorities, as required by applicable law. If you are subject to backup withholding at the time of payment, we may withhold the required amount and remit to tax authorities. 
• Other Terms: This offer may be discontinued or changed at any time without notice and cannot be combined with any other Rogue Credit Union deposit offer (limit one bonus per member/account). This offer is not available to business accounts or consumers under 18 years old. Offer cannot be reproduced, purchased, sold, transferred, or traded. If we suspect bonus or promotional offer abuse, we may close or restrict the account and decline or reverse any bonus.
• Talk with a Member Service Representative or see the “Accounts Rate & Cost Recovery Schedule” and “Consumer Membership and Account Agreement” available at roguecu.org/agmt for complete MyRewards Checking account details, including the applicable monthly service fee and options to avoid it. The actions required for this bonus are separate from the actions available to avoid the monthly service fee. The MyRewards Checking account monthly service fee is $10. The monthly service fee can be avoided with the following during each fee period: 
  • Deposit $1,000 or more each month
  • Make 10 or more transactions each month (qualifying transactions include Rogue debit or credit card, Zelle®, ACH and checks)
  • Maintain enrollment in paperless statements
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has a $10 monthly fee, this is waived if you do the following:

• Deposit $1,000 or more each month
• Make 10 or more transactions each month (qualifying transactions include Rogue debit or credit card, Zelle®, ACH and checks)
• Maintain enrollment in paperless statements

Early Account Termination Fee

I couldn’t find any EATF in the fee schedule but there is a $5 inactivity fee if no activity for 18 months.

Our Verdict

Seems like a bonus worth doing we just don’t have any datapoints on if it’s a hard/soft pull and how difficult it is to get approved. 

Hat tip to reader Davis

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