Score $300 with Town & Country Credit Union's Star Rewards Checking

If you're in North Dakota or nearby, here's a straightforward way to pad your wallet: Town & Country Credit Union is offering $300 to new checking customers. The deal is back and runs through November 30, 2026, so you have time to plan. Let's break down what it takes to qualify and what to watch out for.

What You Need to Do to Earn the Bonus

The process is pretty simple, but you have to hit three specific targets within 60 days of opening your account. First, you'll need to receive at least $1,000 in qualifying direct deposits. That could be your paycheck, a pension, or other regular electronic deposits—just make sure it's not a transfer from another account you own, as those typically don't count.

Second, you'll need to enroll in eStatements. That's easy—just opt for paperless statements during the account setup or through online banking.

Third, you'll need to make 12 debit card purchases. That's about two per week, so it's manageable. You could use your card for everyday things like coffee, groceries, or gas. Just be careful not to overspend just to hit the number—stick to your normal budget.

Once you've done all that, the $300 bonus should be deposited into your account, provided your account is in good standing at the time. The credit union notes that the bonus may be reported as taxable income, so expect a 1099 form around tax time.

Who Can Take Advantage of This Offer?

This isn't a nationwide deal, so you'll need to be in the right place. Town & Country Credit Union serves folks who live within 75 miles of Minot, ND, or within 50 miles of Kenmare or Fargo-Moorhead. If you're not in those areas, you might still qualify if you're a relative of a current member. So, if you've got family in the area, it's worth checking with them.

Also, this offer is for new checking accounts only. If you already have a checking account with Town & Country, you won't be eligible. And you can only get one bonus per Social Security number, so no trying to double up with multiple accounts.

Fees and Fine Print to Keep in Mind

The good news is that the Star Rewards Checking account has no monthly maintenance fee. That means you can keep the account open without worrying about fees eating into your bonus.

However, the credit union doesn't publicly disclose whether there's an early account termination fee. If you're thinking of closing the account shortly after getting the bonus, you might want to ask about that upfront. Some banks charge a fee if you close within a certain period, so it's better to know before you commit.

Also, this offer can't be combined with any other checking account promotion. And remember, the bonus is considered taxable income, so don't forget to set aside a little for Uncle Sam.

Is It Worth Your Time?

If you meet the geographic requirements and can easily switch your direct deposit, this is a solid deal. $300 for a few minutes of paperwork and a couple of months of normal banking activity is a good return. Plus, there's no monthly fee, so you can keep the account open without any ongoing cost.

The main hurdle is the direct deposit requirement. If you're not currently receiving direct deposits, you might need to set that up with your employer or benefits provider. But if you can make that happen, the rest is pretty straightforward.

Just be sure to read the full terms on the credit union's website before you apply. And if you have any questions, give them a call—it's always better to clarify than to assume.

Bottom Line

• Open a Star Rewards Checking account by November 30, 2026.
• Set up $1,000+ in qualifying direct deposits within 60 days.
• Enroll in eStatements and make 12 debit card transactions.
• No monthly fees, but check for early termination fees before closing.
• Bonus is taxable and limited to one per Social Security number.

Common Questions