To celebrate America’s 250th, Suffolk Credit Union’s Suffolk Salutes checking offer lets you earn up to $500* in two simple steps: get $250 when you make qualifying direct deposits totaling $2,500 or more within your first 90 days¹, and another $250 when you make additional qualifying direct deposits totaling $2,500 or more between days 91–180².
Momentum Checking
Suffolk Salutes Offer — Two Ways to Earn $250
Earn Up to $500!
Open your account today!
uChoose Debit Rewards
2,500 Bonus Points
Earn 2,500 Bonus Points* for $1,500 in purchases made in first 180 days after enrolling.
Momentum Checking Account Features
Buy Now Pay Later
Split eligible purchases into manageable installments to ease the immediate financial burden and help with budget management.
CreditScore+
Monitor your credit score, evaluate your debt with a real-time debt-to-income (DTI) calculator, and see the potential impact of future financial decisions on your score instantly. Access comprehensive credit insights all in one place.
CashBack+
Earn up to 20% cash back when you purchase gift cards from your favorite brands. With hundreds of options, you can earn rewards on everything from daily necessities to special treats.
Surcharge-Free ATMs
Easily use your card on the go, no matter where you are. When you open your Momentum Checking account, you’ll have access to 70,000 ATMs nationwide, and more than 400 on Long Island.†
Extended Banking Hours
Interactive Teller Machines (ITMs) are an exciting new technology combining the features of a traditional ATM and the ability to interact with a live personal banker via video - as well as additional transaction types.
Online Banking
Monitor and pay your bills anytime with our 24/7 online and mobile banking tools. Enjoy convenient, round-the-clock access to manage your payments.
Courtesy Pay
Avoid insufficient funds fees with Suffolk Credit Union's Courtesy Pay Overdraft Protection. Ensure your transactions are covered, preventing declined payments and costly fees.††
Mobile Wallet
Use our safe and secure mobile wallet with tap & pay for convenient, contactless payments. Simplify your transactions effortlessly and enjoy peace of mind.
Zelle®
Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!
*Offer valid for new accounts opened May 22 to September 7, 2026, to members without a Suffolk current checking account or one closed in the past 90 days. Cannot be combined with any other checking bonus offer including the Corporate Partner Program. Members who have previously received a new checking account bonus are ineligible. To receive bonuses, the enrolled account must not be closed, negative or restricted at the time of payout. Additional Terms and Conditions: All account applications are subject to approval. Bonuses are subject to taxation. Please consult your tax advisor.
Requirements to Receive a Direct Deposit Checking Bonus:
1Set up and receive Qualifying Direct Deposits3 into that eligible Momentum Checking account during “Deposit Period #1” (within ninety (90) days of account opening) totaling $2,500 to receive the first bonus of $250.
2Receive Qualifying Direct Deposits3 into that eligible Momentum Checking account during “Deposit Period #2” (on or between day ninety-one (91) and day (180) one-hundred and eighty of account opening) totaling $2,500 to receive the second bonus of $250.
At the end of each Deposit Period, all Qualifying Direct Deposits will be totaled to determine eligibility. After each Qualifying Deposit Period ends, and once you satisfy all the requirements, we will attempt to deposit the earned bonus of $250 directly into your new eligible Momentum Checking account within ten (10) business days of the end of each qualifying period.
3A “Qualifying Direct Deposit” is a direct deposit of regular monthly income (payroll, pension or Social Security benefits, made by your employer or other payer) using account and routing numbers that you provide to them. Examples of non-qualifying transfers and deposits include the following: teller deposits, wire transfers, debit card transfers, ATM transfers or deposits, Online and Mobile Banking transfers or deposits, transfers from peer-to-peer payment apps (such as Venmo® or Zelle®), or transfers from a bank or brokerage.
† Each additional out-of-network ATM transaction will incur a $2.50 fee. Other ATM operators may charge fees.
†† Courtesy Pay is a non-contractual overdraft courtesy that is available to eligible individually/jointly owned accounts in good standing for personal or household use. Suffolk Credit Union reserves the right to limit participation to suspend, revoke or discontinue this service without prior notice.