Snag a Quick $100 from MCNB Banks – No Direct Deposit Needed

If you live in West Virginia and are looking for an easy way to earn some extra cash, MCNB Banks has a deal that might be right up your alley. They're offering a $100 bonus for opening a new personal checking account, and the best part? You don't have to set up a direct deposit if you don't want to. There's another path to qualify, which makes this one pretty flexible.

What You Need to Do to Get the $100

First things first, you need to be a new MCNB checking customer. That means you don't currently have a personal checking account with them. Also, if you've closed an MCNB account in the last 90 days or left one with a negative balance, you're out of luck.

Once you open the account with at least $50, you have two simple tasks. Enroll in eStatements – that's a must. Then, pick one of these two options: either have one direct deposit hit the account (like a paycheck, pension, or government benefit – sorry, Zelle and micro-deposits don't count), or use your new MCNB Visa debit card for 15 or more point-of-sale purchases. That's it.

• Open a new personal checking account (minimum $50 deposit).
• Enroll in eStatements.
• Complete one of the following within 90 days: one direct deposit OR 15 debit card transactions.
• Keep the account open and in good standing until the bonus pays out.

A Few Things to Watch Out For

I'll be honest – the official offer page doesn't spell out the monthly fees or any early account termination fee. That's a bit of a red flag. Before you jump in, I'd recommend calling MCNB at 800-532-9553 or stopping by a branch to ask about those fees. You don't want a monthly maintenance fee eating into your bonus.

Also, remember that the bonus is considered interest income. MCNB will report it to the IRS on a 1099-INT form, so set aside some of that $100 for taxes. And if you're a current MCNB customer, there's a referral program where you can earn $100 for each friend you send their way – but that's separate from this new customer offer.

• Monthly fees and early termination fees are not listed on the offer page – verify before opening.
• Bonus is taxable – reported on IRS Form 1099-INT.
• Offer is limited to one bonus per person.
• You must not have closed an MCNB account in the last 90 days or had a negative balance.

How to Apply

You can open the account either online or in person at a local MCNB Banking Center. If you go the online route, just head to their offer page and follow the steps. If you prefer face-to-face, grab a referral coupon from a branch (or just tell them you're there for the $100 checking bonus). Either way, make sure you complete the requirements within the first 90 days to get your cash.

Bottom Line

• Easy $100 for minimal effort – just eStatements and either one direct deposit or 15 debit card swipes.
• No direct deposit required if you use the debit card option, which is great for those without a regular payroll deposit.
• Watch out for hidden fees – call the bank to confirm monthly charges and early termination penalties.
• Offer runs until October 31, 2026, so you have a few months to act.

Common Questions