America First Credit Union $200 – AZ, NV

Update: Only applies to AZ, NV now as of 9/1/26. 

Offer at a glance

• Maximum bonus amount: $150 savings & $200 checking
• Availability: Select areas in UT, NV, AZ, ID, OR, NM, CA. Can see if you’re eligible here.
• Direct deposit required: Yes, no minimum specified
• Additional requirements: See below
• Hard/soft pull: Hard 
• ChexSystems: Unknown 
• Credit card funding: Unknown 
• Monthly fees: None
• Early account termination fee: 12 months, bonus forfeit
• Household limit: None listed
• Expiration date:

The Offer

Direct link to offer

• America First Credit Union is offering a bonus of up to $350. Broken down as follows:
  • $150 when you open a savings account and add a checking account
  • $200 when you receive at least $1,000 in direct deposits within 60 days 

The Fine Print

• Membership, eligibility, terms, creditworthiness, change & conditions apply. Primary owners of America First accounts opened within the last 12 months are ineligible, as are employees and volunteers, as well as business, secondary & special accountholders.
• Members will forfeit bonuses if accounts are closed or transferred within 12 months.
• Direct deposit requirement does not apply to bank-to-bank, peer-to-peer (Venmo, Zelle®, PayPal, Apple Pay, etc.) wire transfer, or internal transfer transactions. Cash will be deposited within 60 days of meeting requirements. 
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Classic checking has no monthly fees to worry about. 

Early Account Termination Fee

Account must be kept open for 12 months otherwise bonus is forfeit 

Our Verdict

Shame about the hard pull but otherwise seems worth doing especially as you can get some of the bonus without a direct deposit/checking account. Previous bonuses have all been for less money or available in less areas. We will add this to our list of the best checking bonuses. 

Hat tip to reader Bockrr

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?
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• 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