{"slug":"desert-financial-free-checking-sign-up-bonus","category":"bank","institutionSlug":"desert-financial","product":"Free Checking","title":"Desert Financial Free Checking: $200 bonus","bonus":"$200","unit":"cash","amount":200,"reqShort":"Open checking+savings, DD $1,000, eStatements in 60 days","expiresOn":null,"status":"live","verifiedOn":"2026-07-30","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"Free checking with no monthly service fees; overdraft or additional service fees may apply","keep":"Account must remain open and not delinquent by more than 30 days at time of bonus payment","posts":"Within 10 business days of the month following the end of the initial 90-day period","applyDomain":"solutions.desertfinancial.com","applyUrl":"https://solutions.desertfinancial.com/200-offer","summary":"Desert Financial will pay you $200 for opening a new free checking account. You need to also open a membership savings account, set up a direct deposit of at least $1,000, and enroll in eStatements, all within 60 days of opening.","reqSteps":["Open a free checking account and a membership savings account.","Establish and receive a single direct deposit of at least $1,000.","Enroll in eStatements.","Complete all requirements within 60 days of opening your account."],"finePrint":["Membership eligibility required.","New member must open accounts online via the promotional link or mention the promotion in branch or by phone.","Accounts must be open and not delinquent by more than 30 days at the time of bonus payment.","Bonus will be deposited within 10 business days of the month following the end of the initial 90-day period.","Existing account owners and primary owners of a membership closed within the past 12 months are ineligible.","Employees of DFCU and their immediate family members are ineligible.","Offer cannot be combined with any other account opening offer.","Bonus may be considered taxable income and reported on IRS Form 1099-INT."],"listedOn":"2026-07-30","listedAt":"2026-07-30T17:28:55.111Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"solutions.desertfinancial.com offer page","url":"https://solutions.desertfinancial.com/200-offer","checkedOn":"2026-07-30"}],"needsVerification":false}