Posted by William Charles on May 11, 2019
Bank Account Bonuses

Published on May 11th, 2019 | by William Charles


[IN, OH, In Branch Only] Civista Bank $200 Checking Bonus

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, 2019 None listed

The Offer

Direct link to 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.

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Andrew Donshik
Andrew Donshik

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.


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’ve never heard of this bank but apparently they have a branch within a reasonable distance. Guess I’m stopping in next week.


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.”


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.

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