InTouch Credit Union $100 Bonus: How to Get Paid for Opening a Checking Account (and Referring Friends)

If you're on the hunt for a quick and easy bank bonus, InTouch Credit Union has a sweet deal right now. They're offering $100 to new members who open a checking account through a referral, and another $100 if you refer friends or family to do the same. That's up to $200 in your pocket if you play your cards right. The catch? You need to act before September 30, 2025, and meet a few simple requirements. Let's break it down.

Who Can Get This Bonus?

First things first, you need to be eligible to join InTouch Credit Union. They serve specific areas in Michigan, Nevada, Texas, and Virginia. If you live, work, worship, or attend school in Genesee, Macomb, or Wayne counties in MI; certain cities in NV like Las Vegas or Henderson; Collin, Dallas, Denton, or Tarrant counties in TX; or Fairfax or Loudon counties in VA, you're likely in. There are also employer-based eligibility options, like if you work for Hilton, HP, or Caesars, among others. Check their membership page for the full list.

Once you're a member, you can open a qualifying checking account—Value, High-Yield, or Prime. The Value Checking has no monthly fee, which is nice. Just remember, the account must be opened through a referral link or prompt to qualify for the bonus.

• Membership is open to residents of specific counties/cities in MI, NV, TX, VA
• Employees of select companies (e.g., Hilton, HP, IHG) and their families may also qualify
• Must open a Value, High-Yield, or Prime checking account via referral

How to Earn Your $100 (Two Paths)

Once your new checking account is open, you've got two ways to trigger the bonus. The easiest is to set up a direct deposit of at least $1,000 within 30 days of opening the account. That could be your paycheck, a government benefit, or even a transfer from another account—as long as it qualifies as a direct deposit per their terms. If direct deposit isn't your thing, you can instead make 10 debit card purchases within that same 30-day window. That's as easy as buying coffee or groceries with your new card.

The bonus is paid within 30 days after you meet the requirement, and your account needs to be in good standing at that time. So don't close it right away or let it go negative.

• Option 1: Direct deposit of $1,000+ within 30 days of opening
• Option 2: 10 debit card purchases within 30 days of opening
• Bonus paid within 30 days of meeting the requirement
• Account must remain in good standing to receive the bonus

Refer Friends and Earn Even More

Here's where it gets interesting. If you're already a member, you can refer friends or family to open a qualifying checking account. For each referral who opens an account and meets the requirements, you get $100. There's no stated cap on the number of referrals, so theoretically, you could refer several people and rack up some serious cash. Just make sure they use your unique referral link or prompt when applying.

The referred person also gets $100 if they meet the direct deposit or debit card requirements. So it's a win-win for both of you. Just keep in mind the September 30 deadline—everyone needs to open their account before 11:59 PM CT that day.

• Referrer earns $100 per qualifying referral
• Referred friend/family also earns $100
• No limit mentioned on number of referrals
• Referral must open account by Sept 30, 2025

Things to Watch Out For

Before you jump in, there are a few fine print details to keep in mind. The referred account must be opened by September 30, 2025, and the referred person has 30 days from opening to complete the direct deposit or 10 transactions. If you're the referrer, you'll need to ensure your referral actually follows through—otherwise, no bonus for you.

Also, while the Value Checking has no monthly fees, the High-Yield and Prime accounts might have requirements or fees. Double-check the account terms before you choose. And since this is a credit union, you'll need to become a member first, which might involve a small membership share deposit (usually around $5).

One more thing: the official InTouch Credit Union page is currently under maintenance, so if you can't access the offer details right away, try again later or contact their customer service. The offer is valid through the end of September, so you have time.

• Direct deposit must be at least $1,000 and initiated within 30 days
• Referral must open a qualifying account by the deadline
• Check for monthly fees on High-Yield or Prime accounts
• Membership requires a small share deposit (typically $5)

Bottom Line

• Earn $100 for opening a checking account via referral, plus $100 per referral you make
• Two easy ways to meet requirements: $1,000 direct deposit or 10 debit purchases
• Offer ends September 30, 2025—don't procrastinate
• No monthly fee on Value Checking, but verify terms for other accounts

Common Questions