{"slug":"community-bank-and-trust-checking-sign-up-bonus","category":"bank","institutionSlug":"community-bank-and-trust","product":"Checking","title":"Community Bank & Trust Checking: $425 bonus","bonus":"$425","unit":"cash","amount":425,"reqShort":"15 debit txns + $500 in direct deposits in 90 days","expiresOn":"2026-09-30","status":"live","verifiedOn":"2026-08-04","reports":0,"openIssues":0,"states":["IA"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"$25 minimum opening deposit; an early closing fee may apply","keep":"Account must be open a minimum of 90 days","posts":"Within 30 days after the end of the 90-day qualifying period","applyDomain":"communitybt.bank","applyUrl":"https://communitybt.bank/bonus","summary":"Community Bank & Trust pays a $425 cash bonus for opening a new consumer checking account, or you can take a Yeti cooler, Solo Stove, or Ninja slushie maker instead. Accounts opened online default to the cash. You need 15 qualifying Visa debit card purchases and an aggregate of $500 in direct deposits to post within 90 days of opening, and the account has to stay open for those 90 days. Iowa residents only, and it ends September 30, 2026.","reqSteps":["Open a new consumer checking account by September 30, 2026 with at least $25.","Choose the $425 credit or one of the three gifts at opening; an account opened online defaults to the credit.","Have at least 15 qualifying Visa debit card transactions post within 90 calendar days of opening.","Have an aggregate of $500 in qualifying direct deposits post within that same 90 days.","Keep the account open a minimum of 90 days."],"finePrint":["Bonus offer is valid between July 1, 2026 and September 30, 2026.","Bonus offer is only available to residents of Iowa.","BankOn Checking is not eligible for this offer.","Step Up Teen Checking and Wisdom Checking must be opened in person at one of the three branches.","Step Up Teen Checking (age 18 and under) needs only 5 qualifying debit card transactions rather than 15.","Debit card purchases must be point-of-sale transactions; ATM transactions do not qualify.","Direct deposits must be qualifying electronic deposits; person-to-person transfers may not qualify.","The gift options are a Yeti cooler (retail value $300), a Solo Stove (retail value $249), or a Ninja slushie maker (retail value $299). Accounts opened online automatically default to the $425 credit, and the bank may substitute a gift of equal or greater value.","Bonus is paid within 30 days after the end of the 90-day qualifying period, if requirements are met.","Limited to one bonus per tax identification number. Clients who have previously received a new account bonus are not eligible.","Cannot be combined with other offers.","If under age 18, a parent or legal guardian is required as a joint owner.","An early closing fee may apply.","Consumer checking APY runs from 0.00% to 3.33% depending on the account opened, accurate as of July 1, 2026. The Maxx Checking premium rate carries additional account requirements."],"reqUsd":500,"listedOn":"2026-08-04","listedAt":"2026-08-04T14:45:34.000Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"communitybt.bank bonus page","url":"https://communitybt.bank/bonus","checkedOn":"2026-08-04"}],"needsVerification":false}