# MCU Everyday Hero Checking: $350 bonus

Canonical: https://dealaka.com/offers/mcu-everyday-hero-checking-sign-up-bonus

- Status: Limited reports
- Bonus: $350
- Requirement: Get $3,000+ in direct deposits within 90 days
- Expires: Dec 31, 2026
- Availability: Nationwide
- Institution: MCU
- Verified: Jul 30, 2026 against nymcu.org
- Field reports: 0

## Summary
MCU's Everyday Hero Checking account offers up to $350 for opening a new account and setting up direct deposit. The exact bonus depends on total direct deposits received within 90 days: $150 for $1,000-$1,999.99, $250 for $2,000-$2,999.99, and $350 for $3,000 or more, with at least three qualifying deposits spaced no more than 30 days apart.

## Requirements
1. Open a new Everyday Hero Checking account between April 6, 2026 and December 31, 2026.
2. Set up a qualifying direct deposit into the new account.
3. Receive at least three qualifying direct deposits within 90 days of account opening, with at least one every 30 days.
4. Total qualifying direct deposits of $3,000 or more within the 90-day period to earn the full $350 bonus.

## Fine print that matters
- Bonus tiers: $1,000-$1,999.99 deposited earns $150, $2,000-$2,999.99 earns $250, $3,000+ earns $350.
- Only new members or existing members without an Everyday Hero Checking account as of April 5, 2026 are eligible.
- Members with an existing Everyday Hero Checking account as of April 5, 2026 are not eligible.
- If you received any bonus for an MCU checking promo in the last 24 months, you are not eligible.
- Limited to one one-time bonus per member; bonus amounts are not cumulative.
- Joint owners are not eligible unless they open their own account.
- Teller deposits, ATM deposits, P2P transfers (Zelle, Venmo, Cash App, etc.), wire transfers, and one-time ACH deposits do not qualify as qualifying direct deposits.
- Account must be open and in good standing from opening until the bonus is deposited.
- Bonus may be reported as taxable income on IRS Form 1099.
- Membership eligibility required, including a Hero Savings account with a minimum par value of $0.01.

## Sources
- nymcu.org offer page <https://www.nymcu.org/personal-banking/everyday-hero> (checked Jul 30, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._