Credit Human $300 Bonus – TX, LA only

Update 3/1/26: Deal is back with promo code CheckingPromo2026. Valid until December 31, 2026. Hat tip to reader DP

Update 4/13/25: Deal is available again.

Offer at a glance

• Maximum bonus amount: $300
• Availability: “Offer limited to residents of San Antonio TX, Houston TX, New Orleans LA, and surrounding areas” (last time people said it was possible to join by becoming a member of the Texas Consumer Council, YMMV, I wouldn’t assume it worth applying from outside of the target area)
• Direct deposit required: Yes, two direct deposits of $250+
• Additional requirements: Ten purchases of $10+; e-statements
• Hard/soft pull: Soft pull
• ChexSystems: Yes, sensitive
• Credit card funding: Yes, $500+ $150
• Monthly fees: None
• Early account termination fee: 
• Household limit: One
• Expiration date: December 31, 2025

The Offer

Direct link to offer

• Credit Human is offering a bonus of a $300 when you open a new checking account and complete the following requirements:
  • Checking account must remain open at least 90 days from account opening
  • Minimum of 10 point-of-sale debit card transactions (ATM excluded) with a minimum purchase of $10 per transaction
  • Two recurring direct-deposits of a minimum of $250 each
  • Digital banking and online statements enrollment must occur.

The Fine Print

• Offer expires December 31, 2025
• Only one new checking account per primary member by household mailing address is eligible for the incentive offer and cannot be combined with any other Credit Human offers.
• Offer valid with online account opening or at any Credit Human location.
• Membership eligibility required and subject to Credit Human Membership Agreement.
• Offer is available to non-members and members without a checking account.
• Offer limited to residents of San Antonio, TX, Houston, TX and New Orleans, LA and surrounding areas. Minors, business entities, and Credit Human employees are not eligible.
• Incentive to be deposited into your checking account within 90 days.
• Incentives are considered interest and will be reported on IRS Form 1099-INT.

Avoiding Fees

Monthly Fees

They offer a free checking account with no monthly fees to worry about.

Early Account Termination Fee

I wasn’t able to find the fee schedule so unsure if there is an early account termination fee or not.

Our Verdict

This deal is better than the old $100 offer, though this new $300 offer has a direct deposit requirement. We will add it towards the bottom of the best bank bonuses page.

Hat tip to reader Edward

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
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• Banks That Allow/Don’t Allow Out Of State Checking Applications
• Bank Bonus Posting Times