Checking Bonus Offer

How to receive the $300 bonus.*

  • Open a new High Yield Checking Account or Everyday Checking Account between now and Dec. 31.
  • Mention the promo code WHY300 at account opening. This code is required to receive your bonus. If you are opening your account online, enter the code in the application as a note on the Review and Submit screen. 
  • Set up a minimum $500 direct deposit to your new checking account within 90 days.
  • Your bonus will be posted month-end after we receive two consecutive months of your direct deposits. 


*Rates effective as of 6/23/2022. Rate subject to change after account is opened. Fees may reduce earnings. Third party data or messaging rates may apply.  
All requirements to waive fee must be met to earn high yield dividends on High Yield Checking. If requirements are not met, dividends will be paid at 0.05%.  

Not a member? Not a problem! 

You are eligible to join Y-12 Federal Credit Union if you live, work, worship or attend school in Anderson, Blount, Campbell, Knox, Loudon, Roane, Sevier, or Union counties in East Tennessee, or if you have an immediate relative (parent, sibling, spouse, child, grandparent, grandchild, step-parent, step-sibling, or step-child) who is already a member.

Join now to earn your $300!

Open An Account   

Make the Switch Today!

Switch your account in just a few steps with our ClickSWITCH tool. We will have your direct deposits and payments moved in no time!

Contact our Member Service Center or visit any branch to ask for a ClickTRACK code to switch to Y-12 FCU. You will use this code when you log into Y-12 FCU's ClickSWITCH portal to get started. 

Log into ClickSWITCH portal

*A minimum Direct Deposit of $500 must be posted to your new checking account within 90 days of account opening to be eligible for bonus. Direct Deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify. $300 will be posted to your account on the last day of the month after the second month that consecutive Direct Deposits are received. Limit one per member. Current members with an existing checking account or a checking account that has been closed within the previous six months do not qualify. No minimum account balance to open account or obtain the $300. The Annual Percentage Yield (APY) for Everyday Checking, effective 6/23/2022, is 0.05%. The APYs for High Yield Checking, effective 6/23/2022, are: 2.50% for balances of $0 to $15,000; 0.05% for balances of $15,000.01 and over. Requirements to earn dividends: receive eStatement; 20 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance OR cumulative $1,000 monthly direct deposit. Rates subject to change. Fees may reduce earnings on account. Recipient is solely responsible for any personal tax liability arising out of the acceptance of this incentive. Checking account must be opened between 6/27/2022 thru 12/31/2022. Offer can expire anytime without prior notice.  Commercial checking accounts and Opportunity Checking are excluded from this offer. Y-12 FCU employees are not eligible for incentive.