I don't have direct deposit, I also didn't read any thing about that on the website. I'll let you know if I hear anything about it from them. Sorry it took me so long to post back, wasn't paying attention to my original post.
I just got approved for my new NFCU Cash Rewards Card too. They did not say anything about DD to me. They always ask how long you've been a member with them along with your annual income.
NFCU said the reason of they can't combine with my nRewards card is because of different APR status. nRewards Card is Fix Rate, and Cash Rewards Card is Flexible Rate.
I am not happy with their nRewards Card reward program (the points will expires in 4 yrs and it takes more points than used to be for the Gift Cards I was getting). Good part of Cash Rewards Card is you will earn the cash back and it never expires. This is the best CC for me within NFCU's CCs.
Who else own this NFCU Cash Rewards card? Please share your experiences. Thank you.