MCNB Bank is offering a limited-time $100 checking account bonus for new customers who open a qualifying personal checking account and complete a few simple requirements. Existing customers can also earn $100 for every successful referral during the promotion period.
The offer is only available locally. If you’re looking for offers available nationwide, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!
MCNB Bank $100 New Checking Bonus
Bonus Amount: $100
Promotion Period: July 1 – October 31, 2026
How to Earn the $100 Bonus
To qualify, you must:
- Open a new personal checking account by October 31, 2026.
- Make a minimum opening deposit of $50.
- Enroll in eStatements.
- Within the first 90 days after opening the account, complete one of the following:
- Receive one qualifying direct deposit, or
- Make 15 or more Visa® debit card point-of-sale purchases.
After your account has been open for 90 days and you’ve completed the requirements, MCNB Bank will deposit the $100 bonus into your checking account within 10 business days.
Trending Savings Account Deal:
Who Is Eligible?
This promotion is available to:
- New MCNB Bank checking customers.
You are not eligible if:
- You currently have an MCNB checking account.
- Your checking account was closed within the previous 90 days.
- Your previous account was closed with a negative balance.
Additional terms include:
- Limit one new checking bonus per person.
- The account must remain open and unrestricted when the bonus is paid.
- All account openings are subject to approval.
What Counts as a Qualifying Direct Deposit?
Qualifying direct deposits include:
- Payroll deposits.
- Pension payments.
- Government benefits such as Social Security.
The following do not qualify:
- Person-to-person (P2P) payments such as Zelle®.
- Micro-deposits used to verify bank accounts.
- Other non-payroll electronic transfers.
Existing Customer Referral Bonus
Current MCNB customers can also earn $100 for each successful referral.
If Your Friend Opens an Account In-Branch
- Obtain a referral coupon from your local MCNB Banking Center.
- Complete your information on the coupon.
- Have your friend bring the coupon when opening a qualifying checking account.
If Your Friend Opens Online
- Your friend should select “Friends & Family” when asked how they heard about MCNB.
- They should enter your full name exactly as it appears on your MCNB account.
Once your friend opens a qualifying checking account, you’ll receive a $100 referral bonus within 30 days.
Referral Program Highlights
- No limit on the number of referral bonuses you can earn.
- Offer available July 1 through October 31, 2026.
- Referral bonuses may be reported as taxable interest.
Is the MCNB Bank Bonus Worth It?
The promotion is easy to complete because you only need to enroll in eStatements and either receive one qualifying direct deposit or make 15 debit card purchases. There is no minimum balance requirement beyond the initial $50 opening deposit, making this a low-cost opportunity to earn an extra $100.
For existing customers, the unlimited referral program adds even more value by allowing you to earn $100 for every qualifying friend or family member you refer.
See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today
Bottom Line
MCNB Bank’s limited-time promotion offers $100 to new checking customers who open a qualifying account, enroll in eStatements, and complete either one qualifying direct deposit or 15 debit card purchases within the first 90 days. Existing customers can also earn unlimited $100 referral bonuses for each successful referral. With a low $50 minimum opening deposit and simple requirements, this is an attractive offer available through October 31, 2026.
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