{"slug":"tower-federal-credit-union-free-checking-sign-up-bonus","category":"bank","institutionSlug":"tower-federal-credit-union","product":"Free Checking","title":"Tower Federal Credit Union Free Checking: $300 bonus","bonus":"$300","unit":"cash","amount":300,"reqShort":"Set up recurring DD of $1,000+ within 90 days","expiresOn":"2026-09-30","status":"live","verifiedOn":"2026-07-30","reports":0,"openIssues":0,"states":["MD"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"No monthly fee or minimum balance requirement","keep":"Account must remain open with qualifying direct deposits continuing for 6 months or Tower may recoup the bonus","posts":"Within 60 days after meeting all requirements","applyDomain":"towerfcu.org","applyUrl":"https://www.towerfcu.org/checking300","summary":"Open a new Tower Free Checking account, use promo code ORIOLES or BALTIMORE, and set up a recurring direct deposit of at least $1,000 within 90 days to earn a $300 bonus. The bonus is deposited within 60 days of meeting the requirements.","reqSteps":["Apply for and open a new Tower Free Checking account with a $10 minimum deposit.","Use promo code ORIOLES or BALTIMORE when applying.","Set up a recurring qualifying direct deposit of $1,000 or more within 90 calendar days.","Earn the $300 bonus deposited into your account within 60 days after meeting requirements."],"finePrint":["Offer available only to Maryland residents, Department of Defense personnel and their families, or existing Tower members as of 6/15/2026.","Not available to current checking account holders or those whose accounts were closed within 90 days or closed with a negative balance in the past 3 years.","Not available to individuals who received a Tower checking bonus within the past 48 months.","Limit one checking bonus per household.","Only recurring qualifying direct deposits count; one-time deposits, P2P payments, transfers, and one-time ACH credits do not qualify.","If the account is closed or qualifying direct deposits are discontinued within six months of opening, Tower may recoup the bonus.","The $300 bonus will be reported as interest income and may be subject to IRS Form 1099-INT reporting.","Offer valid for new accounts opened between 6/15/2026 and 9/30/2026."],"listedOn":"2026-07-30","listedAt":"2026-07-30T17:20:41.480Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"towerfcu.org offer page","url":"https://www.towerfcu.org/checking300","checkedOn":"2026-07-30"}],"needsVerification":false}