[WA only] Gesa Credit Union $300 Checking Bonus – No Direct Deposit Requirement


Update 3/26/22: Deal is back, this time you get $100 of the bonus after one year but there are less requirements. Hat tip to reader Gabe

Offer at a glance

  • Maximum bonus amount: $300
  • Availability:If you live, work, worship or attend school in the State of Washington, are a close relative of someone who qualifies as a member, or are a resident within Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce and Shoshone Counties in Idaho, you are eligible to join Gesa.
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Soft 
  • ChexSystems: Unknown
  • Credit card funding: Can fund with a credit card, up to $5,000
  • Monthly fees: None
  • Early account termination fee: $20, 180 days
  • Household limit: None
  • Expiration date: None listed

The Offer

Direct link to offer

  • Gesa Credit Union is offering a bonus of $200 when you open a new Colossal checking account and complete the following requirements within 60 days of account opening:
    • Open your new checking account
    • Sign up for Online Banking and eStatements
    • Complete 10 debit card purchases (excluding ATM transactions)
  • Get another $100 when you keep the account open with a positive balance for one year

The Fine Print

  • All qualification criteria must be met within 60 days of account opening.
  • $300 incentive will be deposited into member’s savings account after all qualification criteria are met and is subject to any required IRS reporting.
  • Only one $300 checking incentive per member.
  • Member must not have had a Gesa checking account within the last 90 days.
  • Member must not be a current Inspirus Credit Union checking account holder.
  • Colossal Checking accounts may be opened at any Gesa branch.
  • Offer valid for a limited time only.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has no monthly fees to worry about

Early Account Termination Fee

A $20 fee is charged if the account is closed within 180 days according to this fee schedule.

Our Verdict

Previous best bonus was $100, so this is considerably better than that. I definitely think this bonus is worth doing, there are a few requirements but none of them are particularly hard to meet. I’d recommend applying for this account ASAP, as I can see it being extremely popular and being pulled quickly. I’ll be adding it to our best bank account bonus page.

Hat tip to Christian W

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