Magnifi your cash. Your $500 bonus is here.

This promotion has expired as of 10:05 am CST, September 13, 2025.

1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, digital services login, and eStatements).
3. A $5 monthly fee will be charged for eChecking accounts that do not have a debit card or are not enrolled in eStatements through Digital Services.
4. Reduce fee $5 annually if enrolled for auto payment.
5. Magnifi Financial standard check style, other styles available at member's expense. Available only at account opening.
6. New consumer checking accounts must deposit a minimum of $250 into the new account to be eligible for an instant-issue card.
7. Your direct deposit is dependent on when the employer/payer send their ACH file to Magnifi Financial. You may receive your funds up to 2 days early.

*Does not apply to existing accounts. New personal checking account members only; cannot have had a checking account with Magnifi in the past 24 months of account opening. Must be 16 years or older. One offer per Social Security number. Debit or credit card required to receive bonus. Total bonus earnings up to $500.00. $200 bonus will be deposited at account opening. To earn the $150 first and second month deposit bonuses, members must meet the following criteria: receive a monthly ACH deposit (min. $750), have a debit or credit card linked to the checking account, make 8 qualifying debit or credit card purchase transactions monthly to maintain “active checking” status (does not include ATM transactions), and remain in good standing (no negative balance on any Share account or loan throughout the month). Members can earn up to two monthly deposit bonuses totaling $300.00. If any requirements of this offer are not met, Magnifi reserves the right to reclaim any bonuses received. Must use specified promo code at account opening. Annual Percentage Yields (APY) are accurate as of August 20, 2025, and vary based on balance. Free Checking is a non-interest-bearing account. Relationship Checking APY is 0.10% for balances $1,000 - $4,999 and 0.15% for balances $5,000 and over. eChecking APY = 0.05% with no minimum balance. High-Yield Checking APY is 3.45% for balances up to $20,000 and 3.50% to 0.86% for any additional balance over $20,000 if requirements are met; see the Truth-in-Savings disclosure for qualification details.  Rates are variable and may change after the account is opened. Fees may reduce earnings. All bonuses are reported on IRS Form 1099-INT. A $5 minimum balance in a Share account is required to maintain membership. Limited-time offer. Magnifi reserves the right to end the promotion at any time. Ask for details. Insured by NCUA.