# Tower Federal Credit Union Free Checking: $300 bonus

Canonical: https://dealaka.com/offers/tower-federal-credit-union-free-checking-sign-up-bonus

- Status: Limited reports
- Bonus: $300
- Requirement: Set up recurring DD of $1,000+ within 90 days
- Expires: Sep 30, 2026
- Availability: MD (MD)
- Institution: Tower Federal Credit Union
- Verified: Jul 30, 2026 against towerfcu.org
- Field reports: 0

## 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.

## Requirements
1. Apply for and open a new Tower Free Checking account with a $10 minimum deposit.
2. Use promo code ORIOLES or BALTIMORE when applying.
3. Set up a recurring qualifying direct deposit of $1,000 or more within 90 calendar days.
4. Earn the $300 bonus deposited into your account within 60 days after meeting requirements.

## Fine print that matters
- 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.

## Sources
- towerfcu.org offer page <https://www.towerfcu.org/checking300> (checked Jul 30, 2026)

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