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Four Leaf FCU
Checking
$350–$550
Best tier bonus
checking
personal
Bonus Tiers
| Deposit / DD | Bonus |
|---|---|
| $350 for the first $500 DD | $350 |
| $450 after 12 mo of $500 DD (~$6,500) | $450 |
| $550 after 24 mo of $500 DD (~$12,500) | $550 |
Requirements
Trigger
$500+ Direct Deposit (recurring, 24 mo)
$500+ qualifying DD each month; the two $100 installments require DD posting for 12 and 24 consecutive months.
Hold Period
2 years
No balance to maintain — funds can be withdrawn. Only the $500+ monthly direct deposit must keep posting (through 24 months for the full $550).
Monthly Fee
$0
Credit Pull
Soft pull
ChexSystems
Sensitive
Expires
December 31, 2026
Notes
- [Source: DoC four-leaf-federal-credit-union-550-checking-bonus, verified 2026-07-20] Paid in cumulative-DD tiers: $350 for the first $500+ qualifying DD (within 90 days); +$100 ($450 total) once DD posts 12 consecutive months (~$6,500 in DDs); +$100 ($550 total) at 24 consecutive months (~$12,500 in DDs). Requires a $500+ DD every month for 2 years.
- Formerly Bethpage FCU. Very ChexSystems sensitive — clean credit history required.
- No minimum balance / no funds held — DoC "Additional requirements: None." You can withdraw the deposited money; only the recurring $500+ DD must continue each month.