GTE Financial Promotions: $50, $200 Checking, Referral Bonuses (FL)

Find the latest listing of GTE Financial promotions, bonuses, and offers here.

Update 8/26/25: Valid through 10/31/25, you can earn unlimited $50 bonuses for referring friends/family to open a new checking account. Plus, your new member referral can earn a $200 bonus with a qualified product.

GTE Financial Promotions Review

I’ll go over GTE Financial offers below.

GTE Financial $50 Referral Bonus

• What you’ll get:
  • Referrer earns $50 bonus
  • Referee / Person being referred earns $200 bonus
• Where it’s available: FL
• Direct Deposit Requirement: Yes
• Credit Inquiry: Hard Pull
• Monthly Fees: $4.95, avoidable
• Early Termination Fee: 180 days, $25 fee (or balance if <$25)
• How to earn it:
  • Step 1: Referral code must be submitted at the time of application
    • Use the referral code of the existing member (ensure it’s accurate)
    • The referred friend will need to enter the referral code when they apply to join GTE
    • The code cannot be added after the new member application is submitted
  • Step 2: New, referred member opens a new checking account or loan to qualify for $200
    • Open a new Consumer Checking Account
      • All Consumer Checking Accounts qualify
      • For a Student Checking Account, the referred member must be 18 or older
      • Fund with a minimum of $100 within 10 days of opening the account
      • Direct deposit must hit the account, totaling $2,000 during the promotional period
    • Qualifying loan must apply, close and fund between July 14 and October 31, 2025
      • Home Equity Line of Credit
      • Home Equity Loan
      • Home Loan – Non-GTE Refinance or a Purchase Home Loan
      • Auto Loan – Non-GTE Refinance or a Purchase for a Used or New Auto Loan
      • To qualify, a refinanced loan must be from a different financial institution, not GTE
      • Auto loan must be a direct loan (indirect car loans procured through a car dealership are ineligible)
  • Once you both qualify, you will earn $50 + they earn $200

(Expires 10/31/2025)

Editor’s Note: Here’s an alternative link with a current $25 referral bonus.

Fine Print

• Referral incentives cannot be combined with other offers or incentives.
• Both members’ accounts (the existing member referrer and the new referred member) must be active and in good standing, including no prior charged-off account to receive a referral payment.
• Both members must be a primary accountholder, must be at least 18 years old and Florida residents.
• The referring member can earn an unlimited $50 payout upon qualification.
• The referred, new member can only earn one (1) $200 payout upon qualification.
• The referred member must not have had any relationship with GTE Financial in 2024 or 2025, to qualify as a new member.
• The new member must fund a member owner share account with $5, open a regular share account, and open a qualifying product, with all requirements met, during the promotional time period of 7/14/2025 and 10/31/2025.
• Annual Percentage Yield (APY) accurate as of the last dividend declaration date. Any fees could reduce earnings on this account.
• Rates, terms and conditions subject to change without notice.
• All loans are subject to approval.
• Application through loan funding must occur during the promotional time period to qualify; timing can vary depending on the loan.
• Referral code must be accurately inputted or applied at the new member application time to qualify (it cannot be added at a different time, and the unique referral code must match the existing member accurately).
• If the existing member receives payment for the $25 Refer-a-Friend program during the promotional time period, final referral payout for this promotion will be adjusted, as offers cannot be combined.
• Payment may also be denied if it is determined that the system has been “gamed” or manipulated whereby accounts are not genuine.
• Legal action may be pursued.
• Promotion is subject to change or cancellation without notice.
• Payouts will occur by the 3rd week in November 2025 into the members’ primary share account.
• GTE Financial and its employees, affiliates, subsidiaries, and agents are not responsible for: technical failures or errors related to the referral code and application process; late or incomplete applications; any injuries, losses, or damages caused by participation.

GTE Financial $300 Checking Bonus (Expired)

• What you’ll get: $300 bonus
• Where it’s available: FL (Bank Locator)
• Direct Deposit Requirement: Yes, $500+
• Credit Inquiry: Hard Pull
• Monthly Fees: $4.95, avoidable
• Early Termination Fee: 180 days, $25 fee (or balance if <$25)
• How to earn it:
  • Open a NEW qualifying GTE checking account using promo code JOIN300
  • Set up a payroll direct deposit from your employer within 90 days of enrollment
  • Earn you $300 bonus

(Expires 09/30/2024)

Fine Print

• Offer valid for Florida residents only.
• Member must be 18 years of age or older.
• Offer valid for new memberships approved between 7/1/2024 and 9/30/2024.
• Promo code JOIN300 must be used at the time of application.
• To qualify, the new member must open a Go Premium checking account with GTE Secure, Go Full Access, or Go Further within 90 days of enrollment.
• Offer not valid for anyone who has banked with GTE Financial in the past.
• Credit approval and an initial deposit of $5 member owner stock are required.
• New members must also receive a recurring direct deposit totaling $500 or more per month, which must still be active on the payment date.
• Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits; Deposits or transfers from other accounts or financial institutions do not qualify.
• Person-to-person payments (such as Venmo, CashApp, or PayPal) are not considered direct deposit.
• If the requirements are met and the checking account remains open and in good standing for 90 days after the member’s enrollment date, the $300 incentive will be deposited into the member’s savings account at that time.
• With the Go Premium with GTE Secure Checking Account, you can earn up to 3.04% APY on balances up to $2,000.
• No dividends earned after $2,000. Go Premium Checking Account APY is accurate as of the last dividend declaration date. Any fees could reduce earnings on this account. Rate may change after account opening.
• Dividends earned on balances up to $2,000 when monthly requirements are met; enroll in eStatements, deposit $500 or more into your Go Premium account each month, and complete at least 15 combined debit and/or credit transactions.
• GTE Financial reserves the right to decline or end this promotion at any time.
• This offer cannot be combined with other incentive offers from GTE Financial.

GTE Financial $100 Checking Bonus (Expired)

• What you’ll get: $100 bonus
• Where it’s available: FL (Bank Locator)
• Direct Deposit Requirement: Yes
• Credit Inquiry: Hard Pull
• Monthly Fees: $4.95, avoidable
• Early Termination Fee: 180 days, $25 fee (or balance if <$25)
• How to earn it:
  • Step 1: Open a NEW membership and a qualified GTE Checking account using promo code BOLTS100.
  • Step 2: Set up a payroll Direct Deposit from your employer within 90 days of joining.
  • Step 3: Receive your BOLTS DEBIT CARD!
    • The Bolts Debit Card will typically take 7-10 business days post the Checking Account being funded to arrive.
  • Step 4: CHARGE UP YOUR WALLET WITH A $100 BONUS!

(Expires 05/31/2024)

Fine Print

• Offer valid for Florida residents only.
• Member must be 18 years or older.
• Offer valid for new memberships approved between 9/1/2022 and 10/31/2022.
• Promotional code JOIN200 must be used at the time of application.
• To qualify, the new member must open a Go Premium with GTE Secure, Go Full Access, Go Further, or Go Student checking account within 90 days of joining.
• Offer not valid for anyone who has banked with GTE Financial in the past.
• Credit approval and an initial $5 member owner share deposit are required.
• New members must also receive a recurring direct deposit totaling $500 or more per month, which must still be active on payout date.
• Direct deposit must be an electronic deposit of your paycheck, pension, or government benefits; deposits or transfers from other accounts or financial institutions do not qualify.
• Person-to-person payments (such as Venmo, CashApp, or PayPal) do not qualify as a direct deposit.
• If the requirements are met and the checking account remains open and in good standing for 90 days after the member’s join date, the $200 bonus will be deposited into the member’s savings account at that time.
• With the Go Premium with GTE Secure Checking Account, you can earn up to 0.05% Annual Percentage Yield on balances up to $3,000.
• Dividends earned on balances up to $3,000 when monthly requirements are met; enroll in eStatements, deposit $500 or more into your Go Premium account each month, and complete at least 15 combined debit and/or credit transactions.
• GTE Financial reserves the right to decline or end this promotion at any time.
• This offer cannot be combined with other incentive offers from GTE Financial.
• Federally Insured by NCUA.

How to Avoid Monthly Fees

• Go Premium Checking: $4.95
• Go Full Access Checking: $4.95
• Go Further Checking: $9.95 can be avoided by enrolling in eStatements, making $500 in aggregate deposits per month, and making a combination of 15 monthly debit and/or credit card transactions.
• Go Student Checking: None
• Business Interest Checking: $50, Average monthly available checking balance to avoid monthly fee: $50,000. Combined business deposit and loan balance to avoid monthly fee: $150,000.
• Business Premium Checking: $25, Average monthly available checking balance to avoid monthly fee: $5,000. Combined business deposit and loan balance to avoid monthly fee: $50,000.
• Business Essentials Checking: None

Author’s Verdict

The GTE Financial is offering a very simple bonus for the residents of Florida. Simply meet the requirements stated above and you will be able to start your new banking experience. However, if you are interested, I’d suggest you act soon.

For more current offers, check out our bank bonuses page. Compare GTE Financial rates for CDs and Savings with our best rates for Savings and CD accounts.

Be sure to check more popular bank promotions include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, and many more.