SECU Total Checking
- Bonus
- $350
- To qualify
- 2 direct deposits (any amount) within 90 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 Maryland, Washington, D.C., Delaware, Pennsylvania, Virginia, West Virginia, online
- Monthly fee
- None
- When the bonus is paid
- Within about 60 days after you finish the requirements
- Keep it open
- At least until the bonus posts. SECU (Maryland)'s offer doesn't list a penalty for closing early, but some banks take the bonus back within 6 months, so 6 months is the safe choice.
- Past customers
- Not eligible if you got a SECU (Maryland) checking bonus in the last 24 months
- Open by
- December 31, 2026
- Promo code
- Required. Your plan shows it.
Good to know: Two separate payroll direct deposits (no minimum stated) and e-statements within 90 days. Requires SECU membership, open to residents of these states. $25 to open.
Checked against SECU (Maryland)'s own terms on October 19, 2026.