Posted by William Charles on October 3, 2016
Bank Account Bonuses

Published on October 3rd, 2016 | by William Charles


[MO only] FCB South County Bank $125 Checking Bonus

Offer at a glance

  • Maximum bonus amount: $125
  • Availability: MO only
  • Direct deposit required: Yes, $200+ per month
  • Additional requirements: eStatements, 5 bill pays, use promo code SC125
  • Hard/soft pull: Soft
  • ChexSystems: Unknown 
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: $15, 7 months
  • Expiration date: December 31st, 2016

The Offer

Direct link to offer

  • Receive a bonus of up to $125 when you open a new checking account with FCB South County Bank online or in branch with promo code SC125, broken down as follows:
    • $75 Checking Account Bonus Paid When You Open A New 49er Gold Club, Dime A Debit, First Rate Direct Or Totally Free Checking Account And Start A Qualifying Direct Deposit Of $200 Or More Per Month. Bonus Will Be Paid Within 90 Days Of First Qualifying Direct Deposit
    • $25 Additional Bonus When You Enroll In E-Statements
    • Plus $25 Additional Bonus When You Enroll In Online Bill Pay And Pay 5 Bills Within 90 Days.


The Fine Print

  • Offer valid through December 31, 2016.
  • $75 Checking Account Bonus paid when you open a new eligible checking account and start a qualifying direct deposit of $200 or more per month.
  • Bonus will be paid within 90 days of first qualifying direct deposit.
  • Enroll in e-statements and receive an additional $25 Bonus.
  • Enroll in online bill pay and pay 5 bills within 90 days and receive another $25 Bonus.
  • Bonuses will be reported as interest.
  • If account is closed within 7 months, there is a $15 closing fee.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Totally Free Checking Account

This account has no monthly fees to worry about

Early Account Termination Fee $15

If you close your account within 7 months you will be charged a $15 early account termination fee.

Our Verdict

Hard to know how to judge this deal without knowing whether it’s a hard or soft pull to open the account. If anybody has any experience, please share in the comments below.

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it asks for a promo code of 6 characters, but you’re right – the website itself says the code is SC125


funding is check or ACH only


SC125 code now working. (Earlier in the day I got the same “need a six digit number” error message).

Funding only through ACH or mail in check.

No disclosures saying they’d do a credit pull.

After putting in all info, it goes pending for review. Final message as follows:

Thank you
Application Completed.

Thank you for applying for an account at FCB. Please allow 24hrs for all applications to be processed. Within a week, we will mail you a new account packet which will include new account forms that you will need to sign, complete and return to us before we can finish opening your account. Feel free to contact us at with any questions or comments you may have. Thank you for your time and we look forward to doing business with you in the future!


Just an FYI…you need to mail a form in to sign up for online banking. You have to print the form. They do send a stamped envelope with the signature card etc. I put my online banking form in there. It says you can give to any rep so it should be fine.


Opened account 10/3/16

$125 bonus posted 2/1/17

Thanks DoC!


Watch out. This bank likes to give the run around on bonuses. When they send you a check months after you close the account in frustration for the bonus, you may spend weeks getting your tax form corrected because they have trouble adding and will say they gave you more interest than they did.

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