Available in Virginia with the ability to open online, Argent Credit Union is offering a $100 bonus when you open a new checking account with a debit card and set up a minimum direct deposit of $500 per month for 3 consecutive months.
The checking account is genuinely free with no monthly fees and no minimum balance requirements. It also comes with free overdraft protection from savings, mobile banking, bill pay, and the ability to get paid up to 2 days early with direct deposit. As a credit union, membership is required; Argent serves the Richmond, VA metro area.
How To Earn The Bonus
The Argent Federal Credit Union Free Checking promotion requires you to set up eligible direct deposits in order to earn the $100 bonus (step-by-step breakdown is listed above!).
As with any offer, don't forget to read the fine print before opening your new account. It's where the credit union will clearly state who is eligible for the deal along with any nuances you'll want to be aware of.
The fine print
Please refer to the institution's website for any terms and conditions that may apply.
Open a Free Checking account before the bonus expires on March 31, 2026
How does this personal checking offer from Argent Federal Credit Union compare?
To help you determine how this bonus stacks against the rest, here are some of the most popular offers available right now:
BMO
Personal Checking
- Bonus
- $400 Cash Bonus*
- Account Type
- Personal Checking
- Expires In
- 46 days
- Requires
- Direct Deposit
PNC
Virtual Wallet® with Performance Select
- Bonus
- $400
- Account Type
- Personal Checking
- Expires In
- 70 days
- Requires
- Qualifying Direct Deposit
Chase
Chase Total Checking®
- Bonus
- $400
- Account Type
- Personal Checking
- Expires In
- 27 days
- Requires
- Direct Deposit
Why Argent Federal Credit Union?
Argent Credit Union holds approximately $395 million in assets and operates eight branch locations throughout the Richmond area, including Chesterfield, Midlothian, and Chester. Deposits are federally insured by the NCUA.
Argent offers a full range of personal financial products including free checking, savings, money market accounts, certificates, IRAs, auto loans, personal loans, mortgages, home equity options, and credit cards. Accounts can be opened online, and members have access to mobile banking, mobile deposit, bill pay, and early direct deposit.
As a member-owned cooperative, Argent returns earnings to members in the form of lower loan rates, higher savings rates, and minimal fees. The credit union is BBB accredited and has a B health rating.
Free Checking
A completely free checking account with no monthly fees, no minimum balance, and free overdraft protection linked to savings. Includes a Visa debit card with Zero Liability fraud protection, online and mobile banking, mobile deposit, bill pay, and the option to receive direct deposits up to 2 days early.
Fees
Free Checking does not charge a monthly maintenance fee.
Apply now for a Free Checking account to earn the $100 bonus offer
How to Join Argent Federal Credit Union
Credit unions differ from banks in that they restrict membership based on a shared common bond, or the credit union’s “field of membership”.
That means in order to qualify for this bonus (or any offer from a credit union), you'll first need to meet one of Argent Federal Credit Union's membership requirements:
Live, work, attend school, worship, or volunteer in Chesterfield, Henrico, Hanover, or the City of Richmond.
Keep in mind that nearly all credit unions have a "once a member, always a member" policy, so once you're in, the above restrictions no longer apply.
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