Posted by William Charles on August 5, 2017

Published on August 5th, 2017 | by William Charles


[IA only] American Trust & Savings Bank $100 Checking Bonus – No Requirements

Offer at a glance

  • Maximum bonus amount: $100
  • Availability: Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please
  • Direct deposit required: None
  • Additional requirements: None
  • Hard/soft pull: Unknown
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: Unknown
  • Household limit: One
  • Expiration date: None listed

The Offer

Direct link to offer

  • American Trust & Savings Bank is offering $100 when you open a new CASHback checking account. There is no requirements to receive the bonus.
  • The account also offers 3% cash back on everyday debit card purchases up to $500 a month when you meet the following requirements:
    • Have at least 12 debit card purchases post and settle
    • Be enrolled in and receive eStatements
    • Be enrolled in and log in to online banking at least once

The Fine Print

  • New checking households only.
  • One $100 bonus per household.
  • Not valid to employees of American Trust or their families.
  • $100 credited to account upon opening.
  • Your bonus will be reported as interest earned on IRS Form 1099-INT and you are responsible for any applicable taxes.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

This account has no monthly fees to worry about. I wasn’t able to find a fee schedule so I’m unsure if there is any early account termination fee or not.

Our Verdict

If it’s a soft pull and not too difficult to open then this seems like a great bonus as there are no bonus requirements. As always if you go for it please share your datapoints in the comments below. For now it won’t be added to the list of the best checking bonuses as we don’t know enough about it.

Useful posts regarding bank bonuses:

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8 Comments on "[IA only] American Trust & Savings Bank $100 Checking Bonus – No Requirements"


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Per website, offer limited in area:

“Residents within a 100-mile radius of Dubuque, Dyersville, or West Des Moines, Iowa only please”


I mean, 100 mi radius from each of those cities would basically cover the entire state (save from a few folks who probably don’t read this blog because they don’t have HSI).


I’m sorry if you live in Sioux City. 😋


I applied for this promotion online and was emailed the next day by a personal banker. They put together all of the paperwork and I went in the next day to sign three things to get the account opened and funded it with $100 (took <5 mintues). Once I got home I enrolled in online banking and the opening deposit and $100 has already posted to the account.

TL:DR – Have to take 5 minutes to sign a couple of things but the bonus couldn't be easier.


Thanks for the DP

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