USF Federal Credit Union now offers a $200 cash bonus when you open a new checking account with a $500 minimum monthly direct deposit for 3 months, $50 referral rewards for both parties, and a $125 credit card sign-up bonus.
With free open membership available, anyone in the U.S.A. is eligible to join USF FCU for free through the American Consumer Council (ACC), and there is no additional cost for you to join the ACC during your USF FCU membership application.
Take advantage of these USF FCU promotions to earn a $200 new checking account bonus, $50 referral rewards, and a $125 credit card bonus.
USF FCU Free Open Membership via ACC (NOW AVAILABLE)
Please note that the option to join USF FCU through the ACC is now appearing on the membership application page, so when you join online, simply choose “None of the above. I’d like to qualify by joining the American Consumer Council (ACC). There is no cost to join.”
Regardless of where you live throughout the U.S.A., you are eligible to join USF FCU through the American Consumer Council with no additional cost to you for joining the ACC.
To join USF FCU via the ACC, just select the following option in the Eligibility section during your online application: “None of the Above. I’d like to qualify by joining the American Consumer Council (ACC). There is no cost to join.”
By selecting this option, you will give USF FCU permission to enroll you into the ACC at no additional cost to you.
If you are a part of the University of South Florida community, you may qualify for alternative USF FCU Membership Options that are available for faculty, staff, students, alumni and other qualified personnel as well as employees or members of certain companies, associations and organizations that offer USF FCU membership through their benefit package.
Employees of Darden are also served through the USF FCU division, Darden Credit Union, which includes: employees and retirees of Darden Restaurants (Olive Garden, LongHorn, Capital Grille, Seasons 52, Bahama Breeze, Yardhouse, Eddie V’s, Cheddar’s and Ruth’s Chris); employees and retirees of Orlando Sentinel; employees and retirees of Reed Brennan Media Company; and immediate family or household members of DCU members. Review the DCU Checking $200 Promotional Page if you qualify for membership this way.
To join USF FCU, you must open a Primary Savings account with a minimum balance of $5, and at the same time, you may choose from additional accounts like their free checking accounts in order to qualify for the special $200 bonus offer.
Please note that there is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
USF FCU $200 Free Checking Account Bonus
1. Visit this USF FCU $200 Checking Promotion to open a Classic Checking or Catalyst Connect Checking account.
2. Deposit a minimum of $10 into your new USF FCU checking account.
3. Establish a monthly direct deposit of $500 or more for at least 3 consecutive months into your new checking account. The first direct deposit must be made within 30 days of your account opening date.
4. Enroll to receive eStatements.
5. Your $200 bonus will be deposited into your checking account the month following the third consecutive direct deposit.
6. Your new checking account must remain open and in good standing for 6 months.
7. You must be 18 years of age, and this offer applies to new checking accounts only (not valid for existing Classic Checking accounts converting to a Catalyst Connect Checking account).
8. Both Classic Checking and Catalyst Connect Checking accounts have no monthly maintenance fees or below balance fees. However, there is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
9. Review more details about this offer and the USF FCU checking accounts at the Classic Checking and Catalyst Connect Checking pages.
USF FCU $50 Referral Rewards Program
Once you are a USF FCU member, you can participate in the USF FCU Refer-A-Friend Program to refer your friends to join USF FCU, and you will both earn a $50 bonus reward each.
To refer your friends, family members, and associates to join USF FCU, you must complete the online referral form, which will send them an email notification, and be sure to use your same email address that is associated with your USF FCU account.
In order to qualify for the $50 USF FCU referral rewards, the referee’s new account must set up a direct deposit within 60 days, and the account must remain in good standing for the first 60 days to receive $50.
With 60 days after your referee’s account is opened, $50 will be deposited into both your account and your referee’s account.
You can refer up to 24 members and receive up to $1,200 through the USF FCU referral program.
If you are an existing USF FCU member, please feel free to share your contact information in the below comments section, in order to exchange USF FCU referral bonuses with other readers.
USF Rewards Visa Card $125 Cash Back
If you apply for a new USF Rewards Visa Credit Card, you can receive a $125 cash back bonus when you spend $1,500 in the first 90 days.
In addition, you’ll earn 3 points on gas, travel and restaurant purchases, 2 points on grocery and home improvement purchases, and 1 point on everything else.
There is no annual fee for the USF Rewards Visa Credit Card, and every purchase you make provides financial support to the USF Alumni Association and its student programs, at no cost to you.
With free open membership available to anyone in the U.S.A., everybody can take advantage of these promotions from USF Federal Credit Union to earn a $200 new checking account offer, $50 referral rewards, and a $125 credit card sign-up bonus.
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Julia says
Just FYI. They are CHEXsystems sensitive. I’ve applied, they denied me due to multiple inquiries on the ChexSystems and my credit score went down -10 points after I’ve applied with them. For this reason, I wouldn’t recommend them unless you don’t have many inquiries for various bank applications in the past one year.
J Smith says
CAPS ARE USED TO EMPHASIZE A POINT. You are not giving away money here. I wasted time for an offer that did not exist, ie no ACC option. There is nothing spectacular about this offer. To wit, $5 per month fee for a mandatory savings account and the need to keep average daily balance of $300 in all share accounts to avoid monthly fees. Not a good deal at all and hardly free money.
Best wishes,
J Smith
Julia says
Were you able to confirm with the credit union if ACC is an option during application? I still don’t see it as an option though when applying online.
MM Team says
Hello Julia,
Yes, the ACC option is now appearing on the membership application for the USF FCU.
I confirmed it as of 4:00 PM CST on 8/15/2023.
Please check again to see if you can see it now.
Thank you.
Julia says
Thank you for this great bonus promotion. I will wait for your update from the Credit Union about ACC option. Please let us know as soon as they respond because we have 3 people in the household that want to sign up and take advantage of this offer. Thanks again!
BRIAN PROSEK says
Easy with the Caps locks there commenter good lord! Never thought people giving away the knowledge on free money would be so sternly typed that! So there is an option that I saw was pretty cool that gives three membership for veterans which I am so signing up using that just want to make sure that there’s no code that needs to be used though for the bonus
MM Team says
Hello Brian, Thank you for the comment. I do not see any mention of a promo code being needed on the promotional pages at this time.
J Smith says
I don’t see any option for “none of the above” and ACC is not listed as an acceptable organization. In short, this is NOT NATIONWIDE OFFER.
MM Team says
Hello J,
Thank you so much for bringing this to our attention. I am sorry that I did not confirm this on the actual membership application page earlier and for any confusion that it caused.
USF FCU clearly indicates throughout their website that anyone should be able to join via the ACC: https://www.usffcu.com/acc
However, as you mentioned, the ACC option does not actually appear on the membership application at this time.
I am contacting USF directly to find out if this option is still available or what the situation is at this time, and I will provide further updates when I receive them.
I have updated the above article accordingly for the time being and will further update it when additional information is available.
Thank you very much for your help.
MM Team says
Hello J,
Just to follow up, the ACC option is now available on the USF FCU membership application page, so this should now be a nationwide offer.
Thank you for your patience.