4Front Credit Union $400 Checking Account Bonus (2026) - Review & Requirements
What Counts as Direct Deposit
Based on community data points and bank terms. Employer payroll is always the safest method. "Mixed" means some users report success but it is not guaranteed.
Overview
4Front Credit Union offers a $400 checking bonus in Michigan with no direct deposit required. Instead, make 15 debit card purchases per month for 3 months.
Who This Checking Bonus Is Best For
Michigan residents who prefer debit card usage over direct deposit as a bonus requirement.
How to Maximize This Bonus
Open a 4Front CU checking account and make 15 debit card transactions per month for 3 consecutive months. Use the debit card for small everyday purchases to hit the requirement easily.
Pros
Cons
How This Compares to Other Bonuses
Frequently Asked Questions
What counts as a qualifying debit transaction?
Any debit card purchase. Small purchases like coffee or gas count. You need 15 per month for 3 consecutive months.
Full Requirements
No direct deposit required. 15 debit card uses per month for 3 months.
Fees
ChexSystems & Credit Pull
Eligibility
State restricted: MI. New 4Front CU checking customers only.
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Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.