Luso American Credit Union is offering a sweet $300 bonus for opening a new checking account, but here's the catch: you need to live or work in Essex County and be at least 18. If you fit the bill, all you have to do is set up a recurring direct deposit of $500 or more. Why should you care? Well, $300 is free money! Bank bonuses are a great way to pad your travel fund. Just make sure you can meet the direct deposit requirement. The bonus will be deposited within 30 days of meeting the requirements, and the offer is valid until February 28, 2026. Also, there are no monthly fees. Keep in mind this is only for new customers who haven't closed an account in the past year. If you're in Essex County, this is a super easy way to score some extra cash for your next adventure.