{"slug":"rakuten-high-rate-checking-sign-up-bonus","category":"bank","institutionSlug":"rakuten","product":"High-Rate Checking","title":"Rakuten High-Rate Checking: $100 bonus","bonus":"$100","unit":"cash","amount":100,"reqShort":"$500+ initial deposit, DD $500+, 5 debit txns $10+","expiresOn":null,"status":"live","verifiedOn":"2026-08-01","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"No monthly fees, no minimum balance requirements","keep":"Keep account open with $1,000 minimum balance on the 45th day after opening","posts":"Added to your Rakuten account within 45 days, paid via PayPal or check","applyDomain":"rakuten.com","applyUrl":"https://www.rakuten.com/shop/alliantcreditunionchecking","summary":"Open a new Alliant high-rate checking account through Rakuten and you can earn $100 cash back. You must make a $500+ opening deposit, 5 debit purchases of $10+ within 45 days, and a $500+ direct deposit within 30 days.","reqSteps":["Click the Rakuten link and open one new Alliant Credit Union checking account as a new member.","Make an initial deposit of $500 or more at account opening.","Make 5 qualifying debit card purchases of at least $10 each (totaling $50+) within 45 days.","Complete a subsequent direct deposit of $500 or more within 30 days of clicking the link.","Keep the account open with a minimum balance of $1,000 on the 45th day after opening."],"finePrint":["Cash back is provided by Rakuten, not Alliant Credit Union.","New Alliant members only, one cash back offer per account.","Direct deposit must come from an employer or government agency; P2P, checks, ACH, and wire transfers do not qualify.","Must be at least 18 and a legal US resident.","Governed by Illinois law and insured by NCUA."],"listedOn":"2026-08-01","listedAt":"2026-08-01T13:05:20.660Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"rakuten.com offer page","url":"https://www.rakuten.com/shop/alliantcreditunionchecking","checkedOn":"2026-08-01"}],"needsVerification":false}