Wellby Federal Credit Union (formerly JSC FCU) is offering a pretty sweet deal: a $1,000 bonus for opening a Secure Spending checking account! The catch? You need to deposit at least $50,000 of new money and maintain an average daily balance of $50,000 for three full calendar months after the month you open the account. You also need to use the promo code EARN2025 when you apply by November 28, 2025.

But wait, there's more! This account also offers a 4.50% APY on balances up to $50,000. However, to snag that high interest rate, you have to make 30 debit card purchases each month. If you can swing both the large deposit and the debit card usage, you're looking at a fantastic return. If you can't meet the debit transaction requirement, then the $1,000 is still pretty good. This matters to you if you have some cash sitting around and are looking for a relatively safe way to make it work for you. Also, there is now a $100 bonus that just requires a direct deposit of $300+.

Keep in mind a few things. Firstly, this is only for new Wellby Secure Spending checking accounts. Secondly, the fine print states that you can't combine this with other checking bonuses. Thirdly, you'll need to be 18+ and meet Wellby's membership eligibility requirements. Finally, bank bonuses are considered income, so Uncle Sam will want his cut at tax time. It's a soft pull, so this won't affect your credit score.