What is a Sign-Up Bonus?

A sign-up bonus (also called a welcome bonus) is a promotional reward offered to new members who open a qualifying account or card and meet simple criteria — for example, making a first purchase, setting up direct deposit, or maintaining a minimum balance within a specific timeframe.

At Heritage Credit Union, our sign-up bonuses are designed to offer real, practical value: cash back, bonus points for our rewards program, or temporary fee waivers that help you get started on the right financial foot.

Typical Sign-Up Offers

Cash Bonus

Earn a one-time cash bonus (for example, $75–$150) after opening a qualifying checking or savings account and completing actions such as direct deposit or recurring payments.

Bonus Reward Points

New credit cardholders can earn bonus points (e.g., 5,000–10,000 points) after their first eligible purchase within a set period — perfect for travel, statement credits, or gift cards.

Introductory Rates

Some offers include 0% introductory APR on purchases or balance transfers for a limited time — helping you transfer balances or make big purchases with lower cost.

Fee Waivers & Perks

Get your first year’s fees waived or complimentary access to partner benefits like travel credits or concierge-like offers for new premium account holders.

Low Barrier Enrollment

Most offers require common, easy steps (first purchase, direct deposit, or maintaining minimum balance). Terms are transparently disclosed before you apply.

Member Education & Support

We provide clear instructions and local support to ensure you meet the requirements and claim your welcome bonus without surprises.

How to Claim Your Sign-Up Bonus

Simple steps to claim

  1. Choose the right offer: Review available promotions at Heritage Promotions and pick the product that fits your goals.
  2. Apply & verify: Apply securely online or in-branch. Complete identity verification and KYC as required.
  3. Meet the requirements: Examples include making a first purchase, enrolling in direct deposit, or maintaining a minimum balance within the offer window (commonly 30–90 days).
  4. Track your bonus: Bonuses are posted automatically to your account or rewards dashboard once conditions are satisfied.

Tip: Keep confirmation emails and transaction receipts until your bonus posts.

Maximize Your Welcome Bonus — Best Practices

To get the most value, plan qualifying activities early, use the new card or account for planned payments, and combine offers when permitted. For travel-focused bonuses, redeem points during partner promotions for higher value.