Earn $200 with a new Cash Account

    A special promo exclusively for ages 18-26.

    Work. School. Weekend fun. You deserve banking that can keep up with your every move. The Ardent Cash Account2 gives you flexibility to earn, spend and manage your money your way, plus free tools to help you level up your money game along the way.

    For a limited time, earn a $200 bonus when you open a new Cash Account using promo code CK200 and complete three qualifying activities.1

    OPEN NOW


    Cash Account: Your paycheck’s new BFF

    The Cash Account is more than just a place to keep your spending money. Use your free debit card for everyday spending, get refunded for ATM surcharge fees, manage your account on the go in eBanking and even get access to your paycheck up to three days sooner via early direct deposit.

    No monthly service fees or minimum balance

    Up to $12 in monthly ATM fee refunds

    Access to your paycheck direct deposit early

    Smartphone app to manage funds and control card 24/7

    How to earn the $200 bonus

    Open your NEW Cash Account with promo code CK2001. Then, within your first 60 days:

    • Add your Ardent debit card to a mobile wallet
    • Make 10 debit card purchases of $5 or more each
    • Make a P2P payment of $1 or more using Apple Cash, Cash App, PayPal or Venmo 

    Complete all three qualifying activities and meet the offer requirements to earn your $200 bonus.


    Use promo code CK200 when opening account


    Stash Account: Earn more when you save

    Opening a Cash Account automatically opens you a Stash Account. Whether you’re saving for next semester, your first apartment or just a little more breathing room, Stash gives your savings a place to grow.

    Stash pays a high rate of interest, meaning your money is never sitting still. It will keep working hard for you, especially as you add to your balance. Even better, when you open Cash with promo code CK200, your accompanying Stash Account earns 5.00% APY3 on balances up to $5,000 through August 31, 2027.

    Plus, like Cash accounts, Stash features:

    • No monthly service fee
    • No minimum balance
    • 24/7 access in eBanking
    • Pays high rate of interest on multiple tiers
    • In-person transactions at any Ardent branch or location in the Shared Branching network

    5.00%

    APY3

    on balances up to $5,000 through August 31, 2027

    FAQs

    The offer is available to new Cash Account holders ages 18–26. To qualify as a new accountholder, you cannot have been a primary or secondary owner of an Ardent checking account within the past 12 months. Membership eligibility is required. You must use the CK200 promo code at opening.
    Use promo code CK200 when you open your account. Then, complete the three tasks within 60 days of account opening to be eligible for your $200 bonus.
    After opening a new Cash Account with promo code CK200, do the following within your first 60 days:
     
    • Add your Ardent debit card to a mobile wallet
    • Make 10 debit card purchases of $5 or more each
    • Make a P2P payment of $1 or more using Apple Cash, Cash App, PayPal or Venmo 

    The $200 bonus will be deposited within 75 days of account opening, assuming the account is open, funded and in good standing.
    If all requirements are met, the $200 bonus will be paid out within 75 days of account opening.
    No. Anyone 13-26 may open a Cash and Stash account but you must be 18-26 to be eligible for the bonus. Accountholders under age 18 require an adult co-accountholder.
    No worries, we’ll automatically convert your Cash account to a Basic Checking account, so you can continue to manage your funds without disruption.
    Open your account online by clicking one of the Open Now buttons on this page or by clicking here. You can also open your account by visiting any Ardent location.

    Offer Details

    1Offer available to new Cash Account holders ages 18–26 who open an account using promo code CK200. A new accountholder is someone who has not been a primary or secondary owner of an Ardent checking account within the past 12 months. Membership eligibility required. Visit www.ardentcu.org/join/eligibility. Within 60 days of account opening, you must: (1) add your Cash Account debit card to a mobile wallet; (2) complete 10 qualifying debit card purchases of $5 or more; and (3) link your account or debit card to Apple Cash, Cash App, PayPal or Venmo and complete a P2P transaction of $1 or more. All transactions must post and settle within the first 60 days; ATM transactions do not qualify. Bonus eligible accounts must be funded, remain open for at least 75 days and be in good standing. The $200 bonus will be deposited within 75 days of account opening. Ardent may disqualify accounts used only to complete the qualifying activities. Offer may be modified or withdrawn at any time.

    2Cash and Stash accounts are for ages 13-26 only. Primary accountholders under age 18 require an adult co-owner on the account.

    3APY = Annual Percentage Yield. Opening a Cash Account automatically opens a Stash Account. When opened with an accompanying Cash Account with promo code CK200, the Stash Account will earn 5.00% Annual Percentage Yield on balances up to $5,000 through August 31, 2027. Balances in excess of $5,000 will earn the standard Stash rate. Offer applies to new money, defined as funds on deposit with Ardent for fewer than 30 days. APY is accurate as of 9/22/26. Fees may reduce earnings.

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