Offer not available to existing 1st United checking accounts. Checking account and debit card establishment are subject to credit approval. Members age 17 and under require an adult joint owner. To receive $200 incentive: 1) open new checking account using promotional code FREMONT; 2) establish a qualifying monthly direct deposit of $500 or more within 60 days of account opening; 3) activate and make a signature or PIN purchase with debit card within 60 days of account opening. A qualifying direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. Bonus is considered interest and will be reported on IRS Form 1099-INT. Offer is for a limited time only and is subject to change or withdrawal at any time. Incentive will be credited after all requirements are fulfilled. 1st United membership is required and established by opening a savings account. Membership is available to anyone who lives or works in Alameda, Contra Costa, San Joaquin, Solano, Stanislaus, or Kings Counties. Federally insured by NCUA.