Personal Checking or eChecking (new membership)
- Bonus
- $500
- To qualify
- 2 direct deposits of $500+ each ($1,000 total) within 60 days + 8 debit purchases within 60 days + turn on e-statements
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Residents of Michigan, online
- Monthly fee
- None
- When the bonus is paid
- 60 to 70 days after you open the account
- Keep it open
- Until the bonus posts. KCCU's offer only requires the account to be open when the bonus pays. If there's no monthly fee, keeping it a few months is the safe choice.
- Promo code
- Required. Your plan shows it.
Good to know: Needs $500+ in direct deposits a month (we plan $500 in each of the first two months), 8 debit purchases, e-statements and online banking, all within 60 days.
KCCU membership is open to anyone who lives, works, worships or attends school in Michigan.
Checked against KCCU's own terms on October 25, 2026.