Admin Heads up, deal hunters: UMe Federal Credit Union is paying a $100.00 bonus to new customers who open the UMe Federal Credit Union $100 Referral Bonus and meet the requirements below.
How you earn it: Refer a friend who joins UMe as a new member with savings + checking or credit card; Within 90 days the referral must set up $250 in direct deposits AND make 10 purchases on their UMe debit or credit card; Once verified: $100 deposited to your account + $100 to theirs; Also earn 1 entry per referral into the quarterly $500 cash drawing; Up to $1,000 in referral bonuses per member per calendar year; Limited-time offer; membership/credit subject to approval and eligibility. The main hurdle is the direct deposit: your referral must set up $250 in direct deposits and make 10 debit or credit card purchases within 90 days of joining. Once UMe verifies both, the $100 lands in each account.
Who’s it for? Anyone in the eligible states looking for an easy bank bonus without monthly fees eating into it. If you’ve been meaning to switch banks or add a second checking account, a $100.00 incentive with no monthly service charge is about as clean as these offers get.
No promo code needed — just open the account through the bank’s offer page during the promotional period and complete the requirements.
Pros and cons
- Pro: $100 referral bonus for both you and your friend
- Pro: Up to $1,000 in referral bonuses per member per year, plus quarterly $500 drawing entries
- Con: Direct deposit IS required: the referral must set up $250 in direct deposits within 90 days
- Con: The referral must also make 10 debit/credit card purchases within 90 days
- Con: Limited-time offer; membership subject to approval and eligibility
Bonus details
Bonus: $100.00 — Bonus verified: 2026-10-17T23:32:57Z.
Bonus verified: 2026-10-17T23:32:57Z (UTC). Bank bonuses count as interest income, so you’ll owe taxes on the $100.00. Terms can change, so confirm the current offer on UMe Federal Credit Union’s site before you apply.
