Offer at a glance
- Maximum bonus amount: $350
- Availability: IA, SD, MN, ND, NE. Sometimes requires going in branch. Branch locations here.
- Direct deposit required: Optional
- Additional requirements: See below
- Hard/soft pull: Unknown
- ChexSystems: Unknown
- Credit card funding: None
- Monthly fees: $5, avoidable
- Early account termination fee: Unknown
- Household limit: None
- Expiration date: June 30, 2026
The Offer
Direct link to offer
- The First National Bank In Sioux Falls is offering a $350 bonus when you open a new checking account and complete the following requirements:
- Sign up for eStatements
- make 12 debit card purchases or complete one or more direct deposit(s) or ACH credit(s) of $500 or more into the account within the first 60 days of account opening
The Fine Print
- The New Customer Bonus program through The First National Bank in Sioux Falls (FNBSF) is open to any new consumer customer 18 years of age or older who opens an FNBSF consumer checking account (Personal Checking, Student Checking, Rewards Checking, or Bonus 10 Checking).
- New checking accounts are subject to approval by FNBSF.
- There is a $100 minimum opening deposit requirement for Personal Checking, Student Checking, Rewards Checking, and Bonus 10 Checking accounts.
- FNBSF will credit $350 to the account of the new customer who opens a new FNBSF consumer checking account, keeps the checking account open for a minimum of 60 days in good standing, and signs up to receive eStatements and disclosures. In addition, the new customer must also make 12 debit card purchases or complete one or more direct deposit(s) or ACH credit(s) of $500 or more into the account within the first 60 days of account opening. The $350 New Customer bonus will be credited to the new consumer checking account within 14 business days after the account has been open 60 days and the requirements have been met. This program may not be combined with any other offer and may be modified or canceled at any time without notice.
- The New Customer Bonus program is valid for new consumer checking accounts only. Customers with an existing FNBSF consumer checking account are not eligible for the program.
- The $350 New Customer bonus will be reported on IRS Form 1099 MISC if you are paid more than $600 in a calendar year.
- This offer is valid from April 1, 2026, to June 30, 2026. This offer is for new consumer checking customers only and is available only to the primary owner of the new checking account. The primary account owner is the owner whose Taxpayer Identification Number, such as a Social Security Number, is assigned to the account and has tax responsibility.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Personal checking has no monthly fees with eStatements.
Early Account Termination Fee
I wasn’t able to find a fee schedule so unsure if there is any EATF.
Our Verdict
Bonus itself seems great, will just depend on how difficult it is to get approved and how willing they are to approve when not near a branch.
Hat tip to reader Bockrr
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
