iTHINK Financial $125 Checking Bonus (Valid
Through December 31, 2025)
Offer at a Glance
|
Feature |
Details |
|
Maximum bonus |
$125 total ($50 upon checking account opening and
additional $75 after qualifying direct deposit) |
|
Geographic availability |
Residents of Florida or Georgia, limited to select approved
counties |
|
Direct deposit minimum |
At least $1,000 received in the checking account
within 90 calendar days of account opening |
|
Timing to receive bonus |
$50 for opening the account (paid after verification); $75
direct deposit bonus credited within ~60 days after deposit requirement is
met |
|
Credit check type |
Not publicly disclosed; may require a minimum
credit or risk score |
|
ChexSystems review |
Not disclosed |
|
Credit/debit card funding |
Allowed to fund the required membership/checking
opening deposit |
|
Monthly fees |
None on checking accounts (such as myWallet Free
Checking or myChoice Checking with fee waiver eligibility) |
|
Early account termination fee |
None |
|
Household limit |
One bonus per new membership, not per household |
|
Expiry date |
December 31, 2025 |
In summary, new consumer members in approved FL/GA counties
who open a checking account, use promo code JOINCU, deposit at least
$1,000 via direct deposit within 90 days, and meet membership criteria can
receive up to $125 bonus.
Direct Link to OFFER
📌 Who Is Eligible?
iTHINK Financial is a member-owned credit union serving
residents in Florida and Georgia, subject to eligibility rules:
- Must
live, work, worship, or attend school in one of iTHINK Financial’s
approved counties
- Alternatively,
eligibility is granted if you are an immediate family or household member
of an existing member
- A $5
savings account deposit opens membership; a separate $25 (or higher)
checking account deposit is required
Approved counties include:
- Florida:
Broward, Hillsborough, Miami-Dade, Orange, Palm Beach, Pinellas, Seminole,
St. Lucie, Volusia, and more
- Georgia:
Cherokee, Cobb, DeKalb, Fulton, Gwinnett, Henry, Paulding, Rockdale, and
others
✅ Step‑by‑Step Guide to Qualify
- Use
promo code JOINCU during online signup or at a local branch to
activate the offer
- Open
a personal checking account, either myWallet Free Checking or myChoice
Checking
- Meet
membership requirements—submit valid ID and SSN, deposit $5 in a savings
account, and fund checking with $25 or more (credit/debit card accepted)
- Arrange
direct deposit of at least $1,000 to the new checking account within 90
calendar days of opening
- Wait
up to 60 days after the deposit to receive the $75 bonus, which is
credited to your savings account
- Maintain
an active account for at least 60 days (no fee for early closure)
Members typically enjoy Early Direct Deposit—accessing pay
up to one business day sooner at no extra cost.
📌 What to Consider Before
Opening
- Credit
inquiry: iTHINK does not specify if the credit check is soft or hard;
they require a minimum risk score, so applicants concerned about inquiries
should ask directly
- ChexSystems:
It’s unclear whether they check ChexSystems, which could impact approval
for those with past banking issues
- Monthly
fees: myWallet Free Checking has no monthly fee; myChoice Checking may
charge a $5 fee unless eligibility requirements are met
- Tax
liability: Bonuses of $600 or more across financial institutions may
be reported to the IRS
- Referral
bonus: A separate FamilyPlus referral program offers $50 per referral
but cannot be combined with the new member bonus
💡 Real‑World Example
Scenario
Meet Emily, a new resident of Orlando, FL. She uses
promo code JOINCU and opens myChoice Checking on September 1, 2025, funding it
with a $100 debit card payment. Her employer sets up two biweekly direct
deposits in September and October, totaling $1,150 within 45 days.
- By
Sept 5: She receives the $50 reward in her checking account
- By
December 1: iTHINK verifies the deposit requirement and credits $75
into her savings account
- Net
gain: $125 bonus; her checking remains fee-free thanks to direct
deposit; she also benefits from Early Direct Deposit
Emily now enjoys a fee-free checking account, large ATM
access, bill pay, eStatements, and more credit union benefits.
🏁 Key Takeaways
- The
$125 bonus is generous for eligible Florida and Georgia residents—just
remember to use promo code JOINCU
- No
monthly fees, no early closure penalty, and a simple $1,000 direct deposit
requirement within 90 days
- Offers
credit union perks, including higher savings rates, early direct deposit,
and referral rewards
- Be
sure to review eligibility based on your location and employment status
before applying