Hey awardtrail friends! OMNI Community Credit Union is offering a sweet $200 bonus for opening a new checking account, but it's only available if you live in Michigan or Indiana. To snag the bonus, you need a referral (good news, they're offering $200 referral bonuses now!), set up direct deposits averaging $500+ a month, make at least 8 debit card transactions, enroll in eStatements, and log in to digital banking.

The catch? It sounds like they'll do a "hard pull" on your credit report when you apply. This means they'll actually check your credit history, which can ding your score a tiny bit (usually just a few points). So, if you're planning on applying for a new credit card or loan soon, you might want to hold off. Otherwise, if you can meet the requirements and don't mind the credit check, it's a pretty easy way to pocket an extra $200! Plus, the account has no monthly fees, which is always a win.