Update 7/25/26: Offer back until August 31, 2026. Hat tip to the reader Bockrr
Update 4/17/26: The offer is back until April 30, 2026, but was reduced from $500 to $350. Better to wait for it to grow back
Update 2/7/26: The bonus is now $500. Valid until 28.02.26. Hats off to him ShawntheShawn
Update 1/5/26: There is a $150 referral bonus, but only in branch. Hat tip to the reader bockrr
Update 9/28/25: Offer back until October 31, 2025. Hat tip Thanks Mids
Update 3/7/25: Offer valid until April 30, 2025.
Update 11/16/24: Offer is back and valid until 12/31/24. Now only in branch. Hats off to him snail
Update 7/13/24: Offer back through August 31, 2024. Hat tip to the reader yay
Update 5/20/24: Offer is back from May 1 – June 30, 2024. Hat tip to the reader Tol
Offer at a glance
- Maximum bonus amount: 250 dollars
- Availability: SD & MN
- Direct deposit required: Yes, no minimum
- Additional requirements: See below
- Hard/soft pull: Gentle pull
- ChexSystems: Unknown
- Credit card financing: Unknown
- Monthly fees: ANY
- Early account closure fee: $25, 90 days
- Family boundary: ANY
- Expiration date: February 29, 2024
Offers
- American Bank & Trust offers a $250 checking bonus when you open a new checking account and meet the following requirements:
- You have 2 direct deposits made to this account totaling at least $500
- Register in eDeclaration
- Make 20 purchases with a debit card
Fine Press
- Offer is available from January 1 through February 29, 2024 and American Bank & Trust (AB&T) reserves the right to withdraw this offer at any time without notice.
- Accounts are subject to approval. 1) Open a new AB&T checking account; AND 2) Make your direct deposit into this account within 90 days of opening. Person-to-person payments (such as Zelle®) or external bank-to-bank transfers using the ACH network are not considered direct deposit.
- All accounts have a minimum opening deposit of $50 and are subject to applicable terms, fees and charges.
- Once the qualifications are met, we will deposit the bonus into your new account within 45 days.
- If the checking account is closed by the customer within 90 days of opening, the account will be subject to a $25 early closure fee.
- Eligibility may be limited based on account ownership.
- Offers are not available to those whose accounts have been closed within 6 months or closed with a negative balance within the last 3 years.
- Limit a new checking account opening bonus every two years from the last bonus payment date per customer.
- Limit one bonus per account and per customer.
- The bonus is considered interest and will be reported on IRS Form 1099-INT (or Form 104-S, if applicable.) Zelle and Zelle-related trademarks are wholly owned by Early Warning Services, LLC and are used herein under license.
- All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
This account has no monthly fees to worry about
Early account termination fee
$25, 90 days
Our verdict
If anyone goes for this bonus, please share your experiences in the comments below.
Hat tip to the reader TOOL
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