Island Federal Credit Union checking $600 Bonus

Requirements

• Receive 2+ payroll/government direct deposits totaling $1,000+ within 90 days — earns $200 (transfers from other banks do NOT qualify)
• Spend $1,000+ in debit card purchases within 90 days — earns 20,000 uChoose points ($200 cash value); must enroll debit card in uChoose Rewards
• Maintain $10,000+ combined average daily balance (new money) in checking+savings for 90 consecutive days; balance must be in place within 14 days of opening — earns $200
• Enroll in e-Statements (required to receive any incentive)
• Use promo code 600MORE when opening online (or mention the offer in branch)
• Age 17+; no Island Federal checking account in the past 12 months
• Ineligible: teen/in-trust accounts, current joint owners on any existing Island checking, accounts previously closed with a negative balance
• Keep account and membership open at least 90 days to receive incentives (no monthly fee on Cash Back Checking)
• Membership geography: live, work, worship, or attend school in Nassau or Suffolk County, NY (except East Hampton, Southampton, Shelter Island townships)

Cash you need to float: $10,000

Timeline

1. Direct deposit ×2 totaling $1,000.
2. Complete all requirements within 90 days.
3. Maintain the qualifying balance/activity for 90 days.
4. Keep the account open 90 days to avoid clawback or early-close fees.

Bonus tiers

• $200 — Complete any 1 of the 3 qualifiers ($200 each; debit-spend qualifier pays 20,000 uChoose points = $200 cash value): park $0, hold 90 days
• $400 — Complete any 2 of the 3 qualifiers: park $0, hold 90 days
• $600 — Complete all 3 qualifiers (DD + debit spend + $10k balance): park $10,000, DD $1,000, hold 90 days

Closing the account (what we verified)

• Bonus typically posts within 120 days of completing requirements.
• Monthly fee: $0.

Availability

Available in: NY

Other current bonuses

• HSBC checking $5,000 bonus
• E*TRADE IRA $5,000 bonus
• TradeStation brokerage $3,500 bonus