APG Federal Credit Union's current open account bonus is $400, which requires opening a new personal checking account by November 30, 2026, and maintaining at least $500 in qualifying recurring direct deposits per month for 90 days. Eligibility is generally limited to specific areas of Harford County, Cecil County or Middle River, Maryland.
This article was last updated on 06/22/2016.
The information core for: 26-06-22
The core of this account bonus is not the automatic withdrawal of money upon opening an account, but rather meeting regional eligibility, account status, online banking settings, qualifying periodic direct deposits within 90 days, and maintaining accounts open and in good condition.
What is it?
Current bonuses and core conditions
| Projects | Required |
|---|---|
| Establishments | APG Federal Credit Union, also known as APGFCU |
| Current awards | $400 for a one-off |
| Open an account | Open a personal checking account with APG Federal Credit Union |
| Shut down | Open by 30 November 2026 |
| Direct deposits | Set up and maintain a qualifying monthly recurring direct deposit totaling at least $500/month within 90 days of opening the account |
| Regional eligibility | Need to live, work, worship, attend school or volunteer in a specific area of Harford County, Cecil County, or Middle River, Maryland |
| Eligibility for membership | New or existing members aged 13 and over without a checking account |
| History of account closure restrictions | Account holders who have closed their APGFCU checking account on or after November 1, 2022 are not eligible for this promotion |
| Additional requirements | Using online banking and electronic checking accounts |
| Monthly fee | $0/month |
| Selling in advance | Closing an account within 60 days may result in a $15 charge |
| Receipt of bonuses | Checking account credited on the first business day after 90 days of eligibility |
| Hard or soft queries | Unpublished |
| Payment by credit card | Unpublished |
| Overlay restrictions | Not to be overlapped with other offers and not applicable for second or multiple checking accounts |
| Dimensions restricted | Each member is limited to one bonus. |
Conflicts between versions
| The time | Facts of the case | What It Means for Readers |
|---|---|---|
| 2026-10-04 This is a list of countries by population. | Updated: The bonus is now $400 and will be valid until November 30, 2026. | Here are the latest bonus amounts and closing dates. |
| Unmarked date | The prize has been increased to $350, according to randomguy. | Explaining the phased increase in bonuses |
| 2026-01-08 What is the meaning of life? | Activity resumed until March 31, 2026, prompted by reader snailrock | Events reopened |
| Unmarked date | The event has been extended to August 31, 2025. | Explain the history of delayed promotions |
| 2025-05-31 The future of education | Activity resumed and is valid until June 30, 2025, according to ShawntheShawn | Explaining the short-term resumption of activity |
| I'm not sure what to say. | The bonus was increased from $250 to $300, but direct deposits are required above $500 and must be regular. | Conditions for transitioning from a purely monetary form to a regular direct deposit form |
| Summary of previous editions | Maximum prize is $100 until December 31, 2023. | Not consistent with the most recent $400 clause, belongs to historical version information |
| Historical terms | Open High Yield Checking or Member Protect Checking from 1 November 2023 to 31 December 2023, and receive a qualifying recurring direct deposit of at least $500 within 90 days of withdrawing the paper bill, potentially receiving a bonus of $250 | Explain how different bonuses have been applied to different account types |
| Historical terms | New Standard Checking accounts are not eligible for this promotion | Standard checking accounts are not eligible for historical bonuses |
How to Choose
For whom and for what?
| Readers of this article | Is it worth considering? | Notes and notes |
|---|---|---|
| Have lived, worked, worshipped, attended school or volunteered in a specific area of Harford County, Cecil County or Middle River | Considered | Verify your eligibility for APGFCU membership |
| have a salary, pension, social security or other regular monthly income | Considered | Meet monthly qualifying recurring direct deposits of at least $500 |
| Deposits can only be made through account switching, internet payment services or ATMs | Not suitable | Ancient civilizations did not qualify these as direct deposits. |
| Unable to keep an account open for 90 days | Not suitable | Accounts must be open and in good standing to claim the prize |
| Worried about the impact of hard searches on credit | Please confirm. | Unpublished hard/soft queries |
| APGFCU checking account closed on or after 1 November 2022 | Not suitable | That's not the case with this promotion. |
| Want to stack multiple bank account bonuses or checking accounts? | Not suitable | Offer is non-overlapping and does not apply to a second or more checking accounts |
Separate information for non-residents, residents of Mainland China and India
| Types of readers | Originally published | Boundaries to be judged |
|---|---|---|
| Non-residents | The original text only called for living, working, worshipping, attending school or volunteering locally. | Nationality or immigration status not disclosed, based on institutional KYC and account opening requirements |
| People of Mainland China | Not explicitly stated in the text | U.S. address, tax identification and legal residency or eligibility for employment are usually required but cannot be guaranteed through the |
| Residents of India | Not explicitly stated in the text | Also based on institutional credentials, KYC, address and identity documents, no commitment can be made to pass. |
Don't try to open accounts on behalf of others, use credit or debit cards, buy and sell real-name or virtual cards, or evade identity verification and tax returns.
Notes and notes
Direct deposit qualified caliber
Eligible direct deposits are wages, pensions, social security contributions or other regular monthly income that is electronically credited to the account by an employer or external agency. The following transactions do not qualify as eligible direct deposit:
- Transfer from one account to another.
- Deposits from Internet payment services.
- ATM deposits
The current bonus requirement is a monthly recurring direct deposit totaling at least $500, rather than just one-time transfers of $500.
Costs, taxes, inquiries and sellers
- A checking account with a monthly fee of $0/month that offers no monthly fees or minimum balance requirements.
- If the account is closed within 60 days, a $15 upfront fee will be charged.
- All bank account bonuses are treated as income or interest and subject to taxation. Tax liability is borne by the recipient.
- Hard or soft inquiries are not public and should be verified prior to opening an account.
- Credit card deposits are not disclosed.
- The bonus requires that the account has been open for at least 90 days, and all accounts associated with the member are in good standing, subject to All About Your Accounts.
- The offer can be extended, modified or cancelled without notice.
Original view and extended reading tips
If the activity is a soft inquiry and you live in an eligible area, it may be worth considering: Bank account opening bonus entry; Bonus rate checklist; Do not call banks or ChexSystems; Check with banks and credit unions that are sensitive to Chex Systems; Whether checking with Chex Systems; Direct deposit page; Number of accounts securely opened within one year; Alliance links to account bonuses; How to close your account; Accounts for cross-border payments allowed/not permitted; Bonus arrival times.
FAQs
Does the $400 bonus have to be credited?
Not necessarily. You must open a new personal checking account by November 30, 2026, and meet the requirements for qualifying recurring direct deposits, online banking, electronic bills of exchange, 90 days in good standing, etc., within 90 days after opening.
Can I transfer $500 from my account or deposit it at an ATM?
No. Interchangeable accounts, Internet payment service deposits and ATMs are not eligible direct deposits
When will the bonus be credited to your account?
If all conditions are met, the bonus will be credited to your checking account on the first business day after 90 days of eligibility.
Hard or soft queries?
As the type of inquiry may affect credit, please confirm your institution's policy before applying.
Do you have to pay taxes on your winnings?
The original civilization treated all bank account bonuses as income or interest, and tax liability was borne by the recipient.
Links within the site
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