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[1] To be eligible for the FourLeaf Checking Up to $550 Bonus Offer and receive up to a maximum of $550.00 in bonuses, you must not have an existing FourLeaf checking account in which you are the primary account holder on the checking account and have not previously received a new checking account opening related bonus from FourLeaf. To receive the initial $350.00 bonus (the "First Direct Deposit Bonus"), you must open a Free Checking, Smart Checking, or Student Checking account with FourLeaf between February 2, 2026 and December 31, 2026, which is subject to approval, and have a Qualifying Direct Deposit (as defined below) post to the checking account within ninety (90) calendar days of account opening date. The First Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days following the initial Qualifying Direct Deposit. To receive an additional $100.00 bonus (the "Second Direct Deposit Bonus"), you must continue to have a Qualifying Direct Deposit post to the checking account for twelve (12) consecutive months following the month of the initial Qualifying Direct Deposit. The Second Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Second Direct Deposit Bonus. To receive an additional $100.00 bonus (the "Third Direct Deposit Bonus"), you must continue to have a Qualifying Direct Deposit post to the checking account for twenty-four (24) consecutive months following the month of the initial Qualifying Direct Deposit. The Third Direct Deposit Bonus will be deposited to the checking account within sixty (60)calendar days of receiving the applicable Qualifying Direct Deposit for the Third Direct Deposit Bonus. If a Qualifying Direct Deposit does not post to the checking account in any subsequent months following the initial Qualifying Direct Deposit, the checking account will not be eligible to receive the Second Direct Deposit Bonus and Third Direct Deposit Bonus. The checking account must remain open and in good standing up to and including the date each bonus is deposited to receive the applicable bonus.
A Qualifying Direct Deposit is a recurring electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from an employer, the government, or similar third party of $500.00 or more. Certain types of electronically deposited funds may not be considered a Qualifying Direct Deposit including ATM deposits, debit card transfers, online banking transfers or deposits, and person to person payments such as Zelle®. Bonuses are considered interest and will be reported on IRS Form 1099-INT. The primary account owner is responsible for any applicable taxes. You are only eligible for one (1) new checking account bonus offer. If you open multiple checking accounts, you will only be eligible to receive one (1) new checking account bonus offer. Offer may be modified or discontinued without notice.
The Free Checking Account earns a 0.40% Annual Percentage Yield (APY) for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives direct deposit into the Free Checking Account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking Account. Qualifying transactions must post to the Free Checking Account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking Account will not earn dividends and 0.00% APY. There is a minimum balance of $5 to open this account online and $0 when opened in a branch. APY is accurate as of 06/20/2026 and is subject to change, including after account opening, without notice.
Here's how it works:
- Open a new eligible FourLeaf Free Checking Account by 12/31/2026
- Set up a qualifying direct deposit of $500 or more within 90 days of account opening
- Receive $350 bonus in your account within 60 days of your initial qualifying direct deposit
- Within 60 days of your one year direct deposit anniversary you can receive $100 as long as you maintain a monthly recurring direct deposit of $500 or more for 12 Consecutive months from your initial qualifying direct deposit
- Within 60 days of your two year direct deposit anniversary you can receive an additional $100 as long as you maintain a monthly recurring direct deposit of $500 or more for 24 consecutive months from your initial qualifying direct deposit
FourLeaf Free Checking Account mobile features
Early direct deposit[3]
Get ahead of bills, unexpected expenses, and saving early, with an eligible direct deposit. With our Free Checking Account, you may receive direct deposit of your paycheck up to two days earlier.
How to open a FourLeaf Free
Checking Account online
Tell us
about yourself
Our secure online application takes about 5 minutes to fill out.
Activate
your account
Once your information is verified, your account will be activated.
New members will be required to open a Savings Account and deposit $5 to establish membership with FourLeaf.
Download the FourLeaf App
Start banking as soon as your Checking Account is activated.
Download the FourLeaf App and access your accounts on the go.
Set up direct deposit
Enroll in direct deposit and your eligible paycheck may be available up to two days earlier.
Fill out the Direct Deposit Form and submit the form to your company or appropriate agency.
Have questions about
a FourLeaf Free Checking Account?
To complete an application, you’ll need a photo ID such as a driver’s license, state identification card or passport. You will also need your Social Security Number and a mobile device.
If you are applying for a joint application, you will need the other party’s identification, too.
If you are currently not a FourLeaf member, you will need to establish membership with FourLeaf by opening and depositing $5.00 into a Savings Account.
Depositing a check is simple and can be done:
- At a FourLeaf Federal Credit Union branch ATM
- At your local FourLeaf Federal Credit Union branch
- Using the Check Deposit feature through the FourLeaf mobile app or online banking
- At a co-op shared branch location.
We want you to make the most out of your “Free Checking” account.
To earn dividends, each month you’ll need to:
- Receive a Direct Deposit into your FourLeaf checking account
- Make 10 point-of-sale debit purchases using your FourLeaf Debit Card
- These transactions need to post to the Free Checking account by the end of the month
- Enroll in online banking with eStatements
If all the requirements are not met in any given month, then the Free Checking account will not earn dividends for that month.
A Co-op Shared Branch is a FourLeaf or other credit union branch in the United States that participates in the Co-op Shared Branch network that allows members to walk into a credit union location that displays the Co-op logo. At these designated locations you will be able to deposit checks, make a withdrawal or make a loan payment.
Co-op Shared Branches give members over 5,000 convenient locations throughout the United States to perform basic transactions. Whether you are at work, home, or your favorite travel destination, you will have the ability to get the service you need.
The National Credit Union Administration is the independent federal agency created by the United States Congress to regulate, charter, and supervise federal credit unions.
The NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions (like FourLeaf) for up to $250,000. The NCUA’s share insurance coverage is similar to the deposit insurance coverage offered by the Federal Deposit Insurance Corporation (FDIC), which insures bank deposits.
For more details and to learn more about NCUA share insurance visit www.ncua.gov
FAQs
FourLeaf Checking Bonus Offer
As long as your account remains opened and in good standing, each bonus will be deposited into your checking account within 60 calendar days after:
- First Direct Deposit Bonus of $350: Receive a qualifying direct deposit of $500 or more within 90 days of opening the account
- Second Direct Deposit Bonus of $100: Continue to receive a qualifying direct deposit of $500 or more every month for 12 consecutive months, following the start of the first qualifying direct deposit.
- Third Direct Deposit Bonus of $100: Continue to receive a qualifying direct deposit of $500 or more every month for 24 consecutive months, following the start of the first qualifying direct deposit.
A qualifying direct deposit is a recurring electronic deposit of $500 or more from:
- an employer (e.g., payroll),
- a pension provider, or
- a government benefit program (e.g., Social Security).
A direct deposit that does not qualify includes, but is not limited to:
- a deposit that is not related to a source of income,
- ATM deposits,
- debit card transfers,
- online banking transfers or deposits, or
- person to person payments such as Zelle or Venmo
No. Each member is eligible only once for this promotion, and it cannot be combined with other checking account offers.
No. If you do not receive at least one qualifying direct deposit within the first 90 days of opening your account, you are not eligible for the second or third bonuses.
Important information
To obtain access to the advertised financial products and services offered by FourLeaf, membership is required, which is subject to approval and requires opening and maintaining a $5 Savings Account.
[1] Offer details: To be eligible for the FourLeaf Checking Up to $550 Bonus Offer and receive up to a maximum of $550.00 in bonuses, you must not have an existing FourLeaf checking account in which you are the primary account holder on the checking account and have not previously received a new checking account opening related bonus from FourLeaf. To receive the initial $350.00 bonus (the “First Direct Deposit Bonus”), you must open a Free Checking, Smart Checking, or Student Checking account with FourLeaf between February 2, 2026 and December 31, 2026, which is subject to approval, and have a Qualifying Direct Deposit (as defined below) post to the checking account within ninety (90) calendar days of account opening date. The First Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days following the initial Qualifying Direct Deposit. To receive an additional $100.00 bonus (the “Second Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twelve (12) consecutive months following the month of the initial Qualifying Direct Deposit. The Second Direct Deposit Bonus will be deposited to the checking account within sixty (60) calendar days of receiving the applicable Qualifying Direct Deposit for the Second Direct Deposit Bonus. To receive an additional $100.00 bonus (the “Third Direct Deposit Bonus”), you must continue to have a Qualifying Direct Deposit post to the checking account for twenty-four (24) consecutive months following the month of the initial Qualifying Direct Deposit. The Third Direct Deposit Bonus will be deposited to the checking account within sixty (60)calendar days of receiving the applicable Qualifying Direct Deposit for the Third Direct Deposit Bonus. If a Qualifying Direct Deposit does not post to the checking account in any subsequent months following the initial Qualifying Direct Deposit, the checking account will not be eligible to receive the Second Direct Deposit Bonus and Third Direct Deposit Bonus. The checking account must remain open and in good standing up to and including the date each bonus is deposited to receive the applicable bonus.
A Qualifying Direct Deposit is a recurring electronic deposit of a paycheck, pension, or government benefits (such as Social Security) from an employer, the government, or similar third party of $500.00 or more. Certain types of electronically deposited funds may not be considered a Qualifying Direct Deposit including ATM deposits, debit card transfers, online banking transfers or deposits, and person to person payments such as Zelle®. Bonuses are considered interest and will be reported on IRS Form 1099-INT. The primary account owner is responsible for any applicable taxes. You are only eligible for one (1) new checking account bonus offer. If you open multiple checking accounts, you will only be eligible to receive one (1) new checking account bonus offer. Offer may be modified or discontinued without notice.
The Free Checking Account earns a 0.40% Annual Percentage Yield (APY) for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives direct deposit into the Free Checking Account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking Account. Qualifying transactions must post to the Free Checking Account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking Account will not earn dividends and 0.00% APY. There is a minimum balance of $5 to open this account online and $0 when opened in a branch. APY is accurate as of 06/20/2026 and is subject to change, including after account opening, without notice.
[2] Surcharge-free ATMs through the Co-op ATM Network must show Co-op ATM logo. ATM transactions performed at ATMs outside of the Co-op ATM Network may be subject to the ATM owner’s fee. Please visit our online ATM Locator for a list of surcharge-free ATMs.
[3] FourLeaf’s early direct deposit is a service provided by FourLeaf where we may credit your eligible consumer deposit account (non IRA) up to two business days early for an eligible direct deposit. This service is not guaranteed and FourLeaf cannot guarantee you will receive early direct deposit at consistent intervals. Not all direct deposits are eligible and eligibility is determined at FourLeaf’s discretion as only certain recurring deposits may qualify. Qualifying direct deposits are certain ACH credit transactions such as payroll or similar transactions. FourLeaf does not guarantee that any direct deposit will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.
Zelle Disclosure Language This promotion is in no way sponsored, endorsed, administered by or associated with Early Warning Services, LLC or Zelle®.
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