[NY] Hudson Valley Credit score Union $500 Checking Bonus, Direct Deposit Not Required

Replace 6/12/25: Deal is again by 8/22/25 at this new hyperlink (ht reader RT Vegas)

Supply at a look

• Most bonus quantity: $500
• Availability: Should reside, work, worship, volunteer, attend faculty in one of many following counties Albany, Columbia, Greene, Rensselaer, Saratoga, Schenectady, and Sullivan Counties
• Direct deposit required: Non-compulsory
• Further necessities: See beneath
• Arduous/smooth pull: Delicate pull
• ChexSystems: Unknown
• Bank card funding: As much as $10,000
• Month-to-month charges: None
• Early account termination price: $20, 90 days
• Family restrict: None
• Expiration date: 12/31/2023

The Supply

Direct hyperlink to supply

• Hudson Valley Federal Credit score Union is providing $400 checking bonus. Necessities are as follows:
  • Open a brand new HVCU Premier or Traditional Checking Account with a Visa Debit Card
  • Join Web Banking & eStatements
  • Spend a minimal of $1,500 along with your new Debit Card OR make $1,500 in direct deposits into your new account inside the first 90 days

The High-quality Print

• Phrases and Circumstances Relevant to $400 Bonus Checking Account Supply, legitimate from 10/2/2023 to 12/31/2023
• Account holder has 90 calendar days to satisfy the necessities to obtain bonus. HVCU will deposit the $400 bonus into the account holder’s new checking account inside 5 enterprise days after the completion of the 90 calendar day qualification interval, as long as the account holder fulfills every of the next three {qualifications}:
• Open a brand new checking account with HVCU Visa Debit Card (have to be requested at time of account opening);
• Enroll in Web Banking and/or Cell Banking companies and enroll in e-statements;
• Use your new HVCU debit card and spend a minimal of $1,500 utilizing the brand new checking account OR join qualifying direct deposits with a cumulative minimal of $1,500 into your new checking account. A “qualifying direct deposit” is a direct deposit of standard month-to-month revenue, corresponding to your wage, pension, or Social Safety advantages, that are made by your employer or different payer, utilizing account and routing numbers that you simply present to them. Examples of non-qualifying direct deposits and transfers embrace: your preliminary ACH deposit to open the account, teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, or Web or Cell banking transfers or deposits. Supply topic to member verification.
• Just one bonus of $400 will probably be paid to the first checking account proprietor. This have to be your first HVCU checking account to qualify for this bonus. Solely Private Traditional and Premier checking accounts are eligible for this provide. Members beneath the age of 18 usually are not eligible to obtain this bonus. No exceptions will probably be made or thought of. Account have to be in good standing and the {qualifications} happy to obtain bonus. Good standing means you’ve on deposit at the least the par worth of 1 full share ($0.01) within the common share financial savings account, don’t have any delinquent loans (cost will not be greater than 30 days late), and have a optimistic steadiness in all share accounts. Could also be topic to IRS reporting; please seek the advice of your tax advisor. HVCU expressly reserves the precise to terminate this promotion at its discretion at any time and with out additional discover supplied to you.
• All checking account bonuses are handled as revenue/curiosity and as such it’s a must to pay taxes on them

Avoiding Charges

Month-to-month Charges

Traditional checking account has no month-to-month charges to fret about.

Early Account Termination Price

In accordance with the price schedule there may be an early account termination price of $20 if closed inside 90 days of account opening.

Our Verdict

Undecided if the bank card funding continues to be out there or not. Earlier greatest was the $750 checking bonus, however that required a direct deposit. Value doing in case you reside in an eligible space.

Hat tip to reader Tikky

Submit Historical past:

• Replace 4/19/25: Deal is again till 5/23/2025
• Supply doesn’t begin till 2/10/2025
• Replace 2/8/25: Deal is again, this time legitimate till 5/9/25. Hat tip to reader Kevin H
• Replace 10/12/24: Deal is again, however now for $500. Legitimate till 12/4/24. Hat tip to reader Alex

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