Central National Bank's $200 and $250 Checking Bonuses: A Solid Offer for Oklahoma Residents

If you're in Oklahoma and looking for a straightforward bank bonus, Central National Bank has a pair of offers worth a look. They're not the flashiest numbers out there, but sometimes a reliable, clear-cut bonus is exactly what you need. You can snag $200 for a personal checking account or $250 for a business account. The deadline is at the end of next year, which gives you plenty of time to plan, but as with all bank bonuses, the details matter. Let's break down what it takes to get this money and what you should keep in mind before applying.

Who Can Get This Bonus?

This offer is specifically for brand new customers. If you already have any type of checking account with Central National Bank, you're out of luck. The bank is very clear that only the primary account owner—the person whose Social Security Number is on the account—is eligible for the bonus.

There's also a 12-month look-back period. You can't have received a bonus from them for opening a checking account (personal or business) in the past year. So, if you grabbed a bonus from them in, say, early 2025, you'll need to wait until that 12-month window passes.

• Must be a new Central National Bank checking customer.
• Existing account holders are not eligible.
• Cannot have received a checking account bonus from them in the last 12 months.
• Offer is limited to Oklahoma.

Your Step-by-Step Checklist to Earn the Cash

The process is pretty standard for bank bonuses, but don't skip any steps. Missing one small detail is the easiest way to see that bonus vanish.

First, you need to open your new account online or in a branch by the last day of 2025. Remember to enter the promo code 'NEW2YOU' during the application. This is non-negotiable; if you forget the code, you likely won't get the bonus.

Once the account is open, you have a 'qualification period' that lasts for your first four statement cycles. During this time, you must do two things: set up a qualifying direct deposit into the account and enroll in both online banking and paperless e-statements. The e-statement enrollment is also how you avoid the paper statement fee, so it's a good habit anyway.

• Open account by 12/31/25 using promo code NEW2YOU.
• Set up a direct deposit within the first 4 statement cycles.
• Enroll in online banking and e-statements.
• Keep the account open and in good standing until the bonus is paid.

Practical Advice and Potential Pitfalls

The most common hiccup with offers like this is the direct deposit requirement. The source material doesn't specify a minimum amount, which is both good and a bit vague. It's wise to check with the bank directly to confirm what types of transfers they count as a 'direct deposit.' Often, it needs to be an ACH deposit from an employer or government agency, not just a transfer from another bank you own.

Timing is another thing to watch. The bonus will be deposited into your account within 30 days *after* your four-statement qualification period ends. That means you're looking at a wait of roughly five months from account opening before the cash hits your account. Don't close the account early!

Also, remember that this bonus is considered taxable income. The bank will report it to the IRS, and you'll receive a 1099-INT form. Plan to set aside a portion for tax time.

• Clarify what qualifies as a 'direct deposit' before you rely on a specific transfer.
• Be patient; the bonus payout can take up to 5 months.
• The bonus is taxable income—factor that into your plans.
• Maintain at least a small balance to avoid the bank closing the account for inactivity.

Bottom Line

• A solid, mid-tier bonus for Oklahoma residents with a long deadline for planning.
• The requirements are standard but strict—don't forget the promo code or e-statement enrollment.
• The long wait for payout (up to 5 months) requires patience and account maintenance.

Common Questions