Municipal Credit Union: Up to $350 Everyday Hero Checking Bonus and $25 Referral Rewards (New York)

Municipal Credit Union is giving new members a cash bonus of up to $350 when you open an Everyday Hero Checking Account and receive qualifying direct deposits, plus both new and current members can earn a $25 bonus each through the MCU Refer-A-Friend Program.

Membership at Municipal Credit Union is open to individuals who live, work, worship, or attend school in New York City (NYC), employees of New York State or Federal government agencies based in New York, and immediate family members or household members of existing MCU members.

If you are a Municipal Credit Union member, please feel free to exchange MCU referrals in the below comments section, so that everybody can take advantage of the extra $25 referral bonus rewards for joining Municipal Credit Union.

Municipal Credit Union offers credit card funding of up to $1,000 for new members, and while they pull your ChexSystems report during the application process, there is no hard credit pull.

MCU up to $350 Everyday Hero Checking Bonus

1. Visit this MCU $350 Everyday Hero Checking Promotion to join MCU.

2. Open a new MCU Everyday Hero Checking Account.

3. Receive at least 3 direct deposits within 90 days of account opening.

4. You must receive at least 1 direct deposit every 30 days during the 90-day deposit period.

5. Based on the total of all direct deposits during the 90-day period, you will receive: $150 bonus for $1,000-$1,999.99 in deposits; $250 bonus for $2,000-$2,999.99 in deposits; or a $350 bonus for $3,000+ in total deposits.

6. A qualifying direct deposit is a recurring electronic direct deposit of income from payroll, pension or government benefit payments (such as Social Security), made by your employer, payroll or benefits payor, or government agency via an Automated Clearing house (ACH) transfer.

7. Your cash bonus will be deposited into your account within roughly 2 weeks of completing the requirements.

8. MCU members with an existing Everyday Hero Checking account as of April 5, 2026, are not eligible for this promotion. If you received any bonus for a MCU checking promotion in the last 24 months, you are not eligible for this offer. The advertised bonus cannot be combined with any other offer.

MCU $25 Refer-A-Friend Rewards

Through the MCU Refer-A-Friend Program, both current and new members can earn a $25 bonus each for the New Member Referral Reward, or a $50 bonus each for the Auto Loan Referral Reward.

In order to participate, you must be at least 21 years old at the time of the referral, and you must complete the requirements.

For the $25 New Member Referral Reward, the new member must open a Hero Savings Account and Everyday Hero Checking Account with any minimum deposit required to establish the required accounts at the time of the referral.

For the Auto Loan Referral Reward, the new member must apply for a loan to purchase a new or used car or refinance an existing auto loan, be approved for the auto loan by MCU, purchase a new or used car or refinance an existing auto loan using the auto loan, grant MCU a first-position lien on the car secured by the auto loan, and make a timely first auto loan payment.

As a referrer, you can earn up to $250 per year for referring your friends and family to Municipal Credit Union.

If you qualify for Municipal Credit Union in New York, take advantage of these promotional offers to earn up to $350 with a new Everyday Hero Checking Account, and share $25 bonuses with your friends through the MCU Refer-A-Friend Program.