Great River Federal Credit Union will give you a $100 new member bonus when you open a new checking account, enroll in online banking and eStatements, and complete 10 or more debit card transactions for greater than $10 each (direct deposit option also available), plus you can earn a $100 bonus for each new member that you refer who meets the qualifications, and anyone in the U.S.A. can join Great River FCU via the American Consumer Council (ACC) for free through their special partnership.
Although Great River FCU only has branch locations in Minnesota, North Dakota, and Michigan, with open membership available to everyone in the U.S.A. via their fee-free partnership with the American Consumer Council (ACC), anyone can take advantage of this special promotional offer for new members to get a $100 cash bonus when you join the Great River Federal Credit Union.
Check out BECU and First Tech FCU for additional credit unions that offer new member bonuses and have open membership available to anyone who lives in the U.S.A.
How To Join Great River FCU
Anyone in the U.S.A. is eligible for Membership with Great River FCU by simply joining the American Consumer Council.
It is Free to Join the ACC with your new Great River FCU membership, as they have formed a cooperative agreement, so your free lifetime membership with the ACC is provided by Great River FCU as a member benefit for joining.
You can also qualify for Great River FCU membership if you have a relative that is a member, or if you work at one of their Select Employer Groups.
When you join the Great River FCU, a $5 initial deposit into a share savings account is required and entitles you to ownership of the credit union.
Great River FCU $100 New Member Bonus
1. Join during this Great River FCU $100 New Member Offer using Promo Code CHARACTER100 via their online form, video chat, or in-branch.
2. New members must enroll in online banking and eStatements within 60 days of account opening.
3. Within 60 days of account opening, new members must also complete 1 of the following actions:
- Open a checking account with a direct deposit of at least $200, which must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
- Open a checking account and complete 10 or more debit card transactions for $10 or greater each.
- Have any type of approved loan or credit card.
4. The $100 bonus will be deposited before the 15th of the month following the 60 days from qualified account opening.
5. There is also a $50 bonus for minor accounts, in which case, none of the above qualifications are required, so a minor just needs to join and open a minor account to qualify for a $50 bonus.
6. The new member must not have had a previous membership at Great River FCU to qualify, and this offer cannot be combined with other offers.
Great River FCU $100 Referral Rewards
Once you join the Great River Federal Credit Union, you can participate in their “Give $100, Get $100” referral promotion to share cash rewards with your friends and family.
Through the Great River FCU Referral Program both the referrer and referee will get a $100 bonus each ($50 for Kids and Teen Accounts).
The referee must use the Promo Code SPREADJOY and provide the full name of the referrer during the new membership and account opening process.
In addition, the referee must enroll in online banking and eStatements and complete 1 of the following within 60 days of account opening (waived for Kids and Teen Accounts):
- Open a checking account with a direct deposit of at least $200, which must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
- Open a checking account and complete 10 or more debit card transactions for $10 or greater each.
- Have any type of approved loan or credit card.
Once the qualifications are met, the $100 bonus for both the referrer and referee will be deposited before the 15th of the month following 60 days from qualified account opening ($50 bonus available for minor accounts without the above conditions).
In total, referrers can earn up to $500 in maximum bonus rewards per calendar year, but the referral bonus cannot be combined with other offers, so a new member cannot get both the $100 new member offer and the $100 referral bonus at the same time.
However, if you know someone who is a Great River Federal Credit Union member, then you might as well share the love and use them as your referral, so that you can both get a $100 bonus when you join Great River FCU.
If you are a current Great River FCU member, please feel free to share your member experiences and exchange your contact information in order to share referral rewards with other readers, so that everybody can take advantage of these $100 bonuses for members of Great River Federal Credit Union.
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Dominique says
I signed up under the new terms where a $200+ DD or (10) $10+ debit card transactions are now required. I actually completed both requirements with different debit/DD sources, since I wasn’t sure of what would work, but you really only have to fulfill the DD OR the debit card transaction requirement, not both. The name of the person whose referral I used was confirmed to me over the phone when I had to speak to the credit union about setting up my new accounts. They also went over my many ChexSystems inquiries over the phone, but they just wanted to make sure that they were all valid and not fraudulent. Here’s my timeline:
5/30 – Application submitted fully online
6/6 – Called the main line after not being able to reach Crystal by phone directly. I set up my account over the phone and gave initial funding information. I was sent documents to my email to sign later in the day.
6/22 – Signed up for online banking with the member number that was given to me in my emailed docs
6/23-7/28 – $200 Fidelity, Apple Cash, Liberty FCU, Jovia FCU and Wise “Payroll” DD’s posted
6/30-8/6 – (10) $10+ debit card transactions each via PayPal and Apple Cash
8/16 – $100 bonus posted to savings account, automatically and with no CS intervention/follow up required
I did not ask about credit card funding because I assumed that it was already going to be a no-go. I was pretty much only given the option of initially funding my new accounts by external bank transfer anyway. I gave them my account and routing numbers for my external bank account over the phone and that was it. I was already a member of the ACC, but the CU still signed me up for free for another membership.
The current promo code for the referral program is SPREADJOY, so enter this on your account application where it asks you for a promo code. The referral program cannot be stacked with any other promos since the application only allows you to enter one promo code. If anyone would like to join under my referral, please email me at timmythetoot@sbcglobal.net, where I will give you my full name, which you can enter on your application where it asks who your referrer is.
Gadget says
I’ve been a member of this credit union for several months. They do allow $1,000 in credit card funding over the phone as part of the application process. The Citi Double Cash credit card charge did post as a purchase, not a cash advance. Please reach out if you would like to use my name on the referral… Thank you.
gadget@bankbonusgeek.com