Everyday Hero Checking
- Bonus
- Up to $350 ($150 for $1,000+, $250 for $2,000+, $350 for $3,000+)
- To qualify
- Up to $350 with $1,000 in direct deposits within 90 days
- 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 New York, online. Membership is limited to these counties: New York, Kings, Queens, Bronx, Richmond (NY)
- Monthly fee
- None
- When the bonus is paid
- 90 to 120 days after you open the account
- Keep it open
- Until the bonus posts. Municipal Credit Union'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.
- Past customers
- Not eligible if you got a Municipal Credit Union checking bonus in the last 24 months
- Open by
- December 31, 2026
Good to know: At least three direct deposits within 90 days, one every 30 days. The 90-day total sets the bonus: $150 for $1,000+, $250 for $2,000+, $350 for $3,000+. Paid on MCU's schedule, about two weeks after the 90 days. Not for anyone with an MCU checking bonus in the last 24 months.
MCU membership is open to anyone who lives, works, worships or attends school in New York City (the five boroughs), and their family.
Checked against Municipal Credit Union's own terms on October 23, 2026.