Offer at a glance
- Maximum bonus amount: $200
- Availability: Must open in branch, all branches are in IN & OH
- Direct deposit required: Yes, $100+
- Additional requirements: eStatements, 10 debit card purchases
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: Unknown
- Monthly fees: None
- Early account termination fee: Unknown
- Household limit: None listed
- Expiration date:
May 31st, 2019None listed
Contents
The Offer
- Civista is offering a bonus of $200 when you open a new checking account and complete the following requirements:
- Enroll in eStatements
- Establish a recurring direct deposit of $100 or more
- Make 10 debit card purchases
The Fine Print
- Qualified direct deposit and debit card purchases must post to your account within 60 days of account opening.
- Minimum opening deposit is $50.00.
- Offer valid for new personal checking customers and excludes existing Civista personal checking account owners and those who have closed within the last six months.
- Employees of Civista Bank, its affiliates and its subsidiaries are not eligible. Offer cannot be combined with any other offer.
- eStatement is promotion account standard. Optional paper statement may be substituted upon request but would disqualify account holder from this promotion. A $2.00 paper statement delivery charge may apply.
- The reward will be deposited into your new account within 90 days of account opening after meeting all promotion qualifications, and identified on your monthly statement as “Checking Promo Reward”. Bank will report the value of the offer to the IRS as interest earned. You will receive a 1099-INT form from us. Consult your tax advisor.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
They offer a free checking account with no monthly fees to worry about
Early Account Termination Fee
I wasn’t able to find a fee schedule so not sure what the EATF is if there is one.
Our Verdict
We don’t know if it’s a hard or soft pull, so can’t really say whether it’s a good or bad deal. Considering you need to open in branch, it should be possible to ask before signing up. As always if you go for this bonus share your experiences in the comments below.
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
I closed my account over the weekend and the bank teller checked my account to make sure it was open for at least 90 days to avoid any ETFs. I’m not sure about the fee amount, but you’ll need to leave the account open for at least 90 days before the bonus appears as the bank waits for the full term before paying out the bonus.
Hoorah! My bonus posted today. (See above comments). Very happy with this bank/bonus. Five star review. For DD I used Uber and also did an ACH transfer from Chime — just to cover my bases.
Update on this one… mobile app started showing “No Accounts Found” for me a couple of weeks ago, but my account was still showing up on the online banking website, so I just chalked it up to a problem with the app. About a week later, the mobile app stopped letting me log in at all. Then the website stopped letting me log in.
I’m about a month away from my bonus being due to me, and I completed all requirements. I’ve waited a few days to see if they’d send me a letter about closing my account for some BS reason, but nothing has shown up yet. I’ll be giving them a call today to see what’s up.
Opened yesterday in-branch. Very friendly service. Opened free checking account. Will report back later — will be interesting to see what counts as a DD.
Opened today without any questions re: number of accounts I’ve opened. Soft pull, if any. Not Chex sensitive. I asked about credit card funding and was told “cash is preferable.”
I’ve never heard of this bank but apparently they have a branch within a reasonable distance. Guess I’m stopping in next week.
Soft pull. Second time with this bank, did bonus two years ago when they were UCB.
Last time (2017) the CSR asked about the number of accounts I had recently opened but I said I had different accounts for different reasons. This satisfied them.
This time (different branch) the CSR didn’t really say anything.
They paid out last time within a week of meeting the requirements.
Think it’s eligible to residents of Kentucky as well.
Any info on what else qualifies as DD? No info on the respective page.
Guessing by the way it’s been presented they manually monitor accounts to verify the bonus so I am guessing it has to be a legitimate payroll.
I have a loan production office near me but the nearest branch is way the fuck out in Akron. RIP.
Funnily enough, their office in Akron is right next to S&T which is another oddball bank that offered a great bonus a few years back.