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TruWest Credit Union is advertising a $300 bonus for eligible new members who open a Rewards Checking Account between October 1 and October 31, 2026. You do not need direct deposit to qualify for this one-time bonus: the offer instead requires online-banking enrollment and 15 qualifying Rewards debit or credit card transactions in one calendar month within your first 90 days. The account must remain open for 90 days. Membership eligibility is limited to specified Arizona and Texas counties and other listed routes.
How to earn the $300 bonus
TruWest’s Rewards Checking offer sets out these requirements for the October 1–31, 2026 promotional period:
- Open a new TruWest membership and Rewards Checking Account during the promotional period.
- Enroll in Online Banking.
- Complete 15 qualified Rewards debit or credit card transactions within one calendar month during your first 90 days.
- Keep the account open for 90 days.
TruWest says it will deposit the bonus into the Rewards Checking Account within 60 days after you meet the requirements. The offer is limited to one $300 bonus per membership, is subject to approval, and requires the member to be in good standing. TruWest says the offer may change without notice, so check the official terms before opening the account.
Direct deposit: required for the bonus?
No. Direct deposit is not among the listed conditions for the one-time $300 bonus. It is a separate requirement for ongoing monthly Rewards Checking benefits: TruWest says you need at least $500 in qualifying direct deposits each month, as well as 15 or more qualifying card transactions, to receive those rewards. Do not confuse that recurring requirement with the bonus checklist.
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Who can join and qualify?
Applicants must be at least 18 and meet TruWest’s membership eligibility rules. Its membership page lists these geographic routes:
- Live, work, own a business, or attend school in Maricopa, Pinal, Pima, or Yavapai County, Arizona.
- Live, work, own a business, or attend school in Travis or Williamson County, Texas.
TruWest also lists certain family relationships to current members and surviving spouses as separate eligibility routes. Check the credit union’s current membership requirements to confirm whether your specific relationship qualifies.
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The promotion excludes existing members and people whose membership was closed within 90 days before the promotional period. TruWest also excludes its employees, affiliates, agencies, and specified immediate family members. The offer requires account approval and good standing; review the full promotion disclosure for the applicable definitions.
Which Rewards Checking option fits?
The offer page presents High Yield Checking and Cash Back Checking. Both are subject to monthly rewards requirements; the main difference is the type of ongoing reward.
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Outbyte Driver Updater FREEFix the driver behind crashes, sound loss and screen glitchesFind Drivers →Outbyte PC Repair FREEClear out junk files and repair common Windows errorsFree Scan →| Account | Ongoing reward when requirements are met | What to consider |
|---|---|---|
| High Yield Checking | 4.00% APY on balances up to $10,000; the portion above $10,000 earns 0.05%. TruWest’s account page gives September 1, 2026 as the effective date for the stated APY. | May suit you if you can meet the monthly deposit and transaction requirements and keep a balance within the higher-rate limit. |
| Cash Back Checking | $0.10 cash back on qualifying debit purchases when program requirements are met. | May suit you if you prefer transaction-based cash back rather than an interest rate on your balance. The offer page does not state a comparable APY for this option. |
For High Yield Checking, TruWest says balances earn 0.05% APY if monthly requirements are not met. Rates are variable; its rates page says checking rates are effective October 1, 2026. Confirm the current rate and its effective date when applying. These recurring account rewards are separate from the $300 opening bonus.
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The promotion disclosure calls for a $5 minimum membership deposit and continuing balance. TruWest says the bonus is taxable where required by law and will report it as income if applicable law requires. The offer page reviewed does not state a separate monthly maintenance fee for the promotion; consult TruWest’s current fee schedule and full account terms before opening the account.
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Before you apply
- Confirm that you qualify for membership through a listed county or another eligible route.
- Make sure you can complete 15 qualifying card transactions in the same calendar month within the first 90 days, and determine how TruWest defines a qualifying transaction in the current terms.
- Plan to keep the account open for 90 days and allow up to 60 days after meeting the requirements for the bonus deposit.
- Review the current promotion, account terms, rates, and fee schedule; terms and variable rates can change.
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