SECU Bonuses: $50, $350 Checking, Business, Referral Promotions (MD)

Check out the latest SECU bonuses, promotions, and offers here.

Update 7/27/26:

• The $350 checking offer has been extended through 8/31/26 and you can earn a $50 bonus for each person you refer to open a new account.
• There’s now a $350 business checking bonus available through 12/31/26.

SECU Bonuses Review

SECU began in 1951 in downtown Baltimore. SECU is now a full-service financial institution serving over 230,000 members and managing over $3.4 billion in assets. Their vision remains to make a positive contribution to the financial well-being of those they serve.

I’ll go over the SECU bonuses & offers below.

SECU $350 Checking Bonus

Earn a $350 bonus when you open a checking account and meet the requirements.

• What you’ll get: $350 Bonus
• Eligible account: Checking
• Availability: MD (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: Yes
• Monthly Fee: $0
• How to earn it:
  • Open a SECU checking account during the promo period.
  • Within 90 days of opening checking: Set up e-statements and have at least 2 separate qualifying payroll Direct Deposits post to your checking account.
  • All criteria must be met within 90 days of opening checking.
  • SECU will credit one cash bonus of $350 to the primary owner of the new SECU checking account within 60 days of meeting the requirements.

(Expires 08/31/2026)

Fine Print

• $350 offer valid from 11/1/24 – 8/31/26 for new SECU members and 8/15/25 – 8/31/26 for existing SECU members without checking. Must meet the following criteria:
• 1) Open a SECU checking account during the promo period. New members need to join SECU. 2) Within 90 days of opening checking: Set up e-statements and have at least 2 separate qualifying payroll Direct Deposits post to your checking account. Members or former members that had a checking account in the last 24 months are not eligible for this offer.
• Offer is only available to Maryland residents or residents of surrounding states (DC, DE, PA, VA, WV). Residents of other states not listed are not eligible. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security and must be in your checking account. Person to person, bank transfers or other electronic money transfers, such as those made through internet payment services, do not qualify. All criteria must be met within 90 days of opening checking. SECU will credit one cash bonus of $350 to the primary owner of the new SECU checking account within 60 days of meeting the requirements. Membership and accounts must be in good standing to receive the bonus. Promotional period and offer are subject to change at any time without notice. The promotional bonus is limited to one per member. If you received a bonus for a SECU checking promo in the last 24 months, you are not eligible for this offer. Advertised bonus cannot be combined with any other offer. Membership eligibility required. Bonuses are considered miscellaneous income and may be reported as income to the IRS on Form 1099-MISC. SECU’s determination of offer eligibility is final. Federally insured by NCUA.
• *APY = Annual Percentage Yield. APYs current as of 11/01/22. You must meet the criteria for each rewards level to receive the APYs and other rewards shown for that level. See current rates page. APY is calculated based on average daily balance and will be a blended rate. Rates and rewards subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required. Only accounts in good standing are eligible to qualify for rewards.
• Rewards level qualifications and benefits vary by level. At the beginning of each month, your account will reset to Bronze level until the monthly requirements are met. Your actual rewards level will be calculated on the last day of the month and can change monthly based on activity and balances.
• You can view your current activity and rewards level, how to reach the next level and your rewards history at any time in online or mobile banking by clicking the “My Rewards” icon, or reviewing your monthly statement.

SECU $350 Business Checking Bonus

Earn a $350 bonus when you open a business checking account and meet the requirements.

• What you’ll get: $350 Bonus
• Eligible account: Business Checking
• Availability: MD (Bank Locator)
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: None
• How to earn it:
  • To qualify, open a new eligible business checking account between July 01, 2026, and Dec 31, 2026, and enter promo code BB350 during online application or provide during in-branch application.
  • Must maintain an average daily balance of $5,000 for the first two monthly statement cycles.
  • Within 60 days of account opening: sign up for e-statements and enroll in mobile and online banking.
  • SECU will credit the $350 promotional bonus to the new SECU business checking account within 90 days of meeting qualifying conditions.

(Expires 12/31/2026)

Fine Print

• $350 bonus offer is available for NEW SECU business checking accounts.
• To qualify, open a new eligible business checking account between July 01, 2026, and Dec 31, 2026, and enter promo code BB350 during online application or provide during in-branch application. Must maintain an average daily balance of $5,000 for the first two monthly statement cycles.  Within 60 days of account opening: sign up for e-statements and enroll in mobile and online banking. Eligible business checking accounts include free business checking, interest-earning business checking, or nonprofit checking. If you are an existing or previous business member, you must not have had one of the eligible business checking account types within the last 24 months. Offer is not available to estates. Business must be located in MD, PA, DE, WV, VA, or the District of Columbia. Accounts opened without the promo code BB350 will not be eligible for the offer.
• To open a business checking account, a business share savings account is required. Business share savings and business checking account opening subject to approval and membership eligibility requirements. The minimum balance to open a business share savings is $10. The minimum balance to open a business checking account is $100. SECU will credit the $350 promotional bonus to the new SECU business checking account within 90 days of meeting qualifying conditions.
• Business membership and accounts must be in good standing and actively enrolled in mobile and online banking to receive the bonus. Promotional period and offer are subject to change at any time without notice. The promotional bonus is limited to one per business membership (including related businesses and subsidiaries as determined at SECU’s sole discretion). Advertised bonus cannot be combined with any other offer. Bonuses are considered miscellaneous income and may be reported as income to the IRS on Form 1099-MISC any applicable taxes are the responsibility of the member. SECU’s determination of offer eligibility is final.

SECU $50 Referral Bonuses

Earn a $50 bonus when you open a checking account and meet the requirements.

• What you’ll get: $50 Bonus
• Eligible account: Premier Interest Checking, Choice Interest Checking, Students’ Choice Checking
• Availability: MD
• Credit Inquiry: Soft Pull
• Direct Deposit Required: No
• Monthly Fee: $0
• How to earn it:
  • Complete and submit the short referral form.
  • Your friend will receive an email invitation to set up their membership and open an account.
  • After their new accounts are open, you will each receive $50.

(Limited time offer)

Fine Print

• The referred person must open a membership with SECU via a share savings account and open at least one additional account within 60 days of the referral date. The referred new member’s accounts must remain open for at least 60 days. Be sure to use the email address and correct name spelling that the new member will use to establish membership when submitting the referral form.
• Bonuses will be awarded via deposits to share savings accounts within 60 days of all criteria being met. In the event more than one member refers the same individual, we will award the bonus to the first member making the referral. Referred member must be new to SECU. Each member is limited to 10 referral bonuses per month. Learn more about our accounts.
• You must qualify for and establish membership at SECU and be of legal contract age to apply. All accounts are subject to our normal approval process. Members and accounts must be in good standing to receive bonuses. SECU rules and regulations apply. Members who have closed their SECU membership within three months prior to being referred are not eligible.
• Bonuses are considered interest and will be reported on IRS form 1099-INT. Fees can reduce earnings on the account. This offer is non-transferable and may be canceled without prior notice. We reserve the right to disqualify any referrals in circumstances where we reasonably believe they were not sent to us in good faith. SECU reserves the right to terminate the program at any time, revise program terms, or refuse bonuses upon our discretion. Ask us for details.

How To Waive Monthly Fees

• Total Checking & Rewards: None
• Bronze Checking: None
• Silver Checking: None
• Gold Checking: None
• Platinum Checking: None
• Free Business Checking: None
• Interest Earning Business Checking: $10 monthly fee
• Analyzed Business Checking: $10 monthly fee

Conclusion

If you’re located near a SECU location, consider taking advantage of this great bonus. In my opinion, the bonus is enticing considering it is a soft pull, meaning it won’t hurt your credit score. If you are able to meet the direct deposit requirements I would definitely recommend taking a look into this promotion!

I recommend checking out a list of our Savings, Money Market, and CD Rates to find other generous promotions you can take advantage of.

• Best Savings/Money Market rates
• Best CD Account rates

If you are not eligible for these promotions, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.

Feel free to comment on this post with any questions you may have about SECU, their accounts they offer, or coupon codes.

Check back often for more SECU Bonuses, Promotions, or Offers!