[CA] Nevada State Bank $350 Checking + [CO, NM] $1,000 In Branch Offer

Update 9/4/26: Vectra Bank (CO, NM) have a $1,000 in branch offer:

• Earn $500 when you open a new Gold Account and establish a direct deposit(s) or ACH transfer(s) totaling a minimum of $5,000 in the first 90 days after account opening.
• Earn an additional $500 when you establish and maintain a minimum daily balance of $15,000, within 30 days of account opening and maintain that balance for 120 consecutive days.

Update 6/6/26: Looks like you can still get the $350 checking bonus for California Bank & Trust. Doesn’t seem to be available at the other options currently unless somebody can find them? Hat tip to reader CC

Old post; This is available in more states/bank names:

• Zions Bank [ID, UT, WY]
• Amegy Bank of Texas [TX]
• California Bank and Trust [CA]
• National Bank of Arizona [AZ]
• Vectra Bank Colorado [CO, NM]
• Nevada State Bank [NV] (listed below)

Hat tip to Pickle Rick & JimmytheGreek

Offer at a glance

• Maximum bonus amount: $700 + $500 investment 
• Availability: NV, ID, UT, WY, TX, CA, AZ, CO, NM
• Direct deposit required: Yes, $7,500+
• Additional requirements: 10 debit or credit card purchases
• Hard/soft pull: Soft pull
• ChexSystems: Yes, inquiry sensitive
• Credit card funding: None
• Monthly fees: $9, avoidable
• Early account termination fee: Account must be kept open for 90 days
• Household limit: None listed
• Expiration date: None listed

The Offer

Direct link to offer

• Nevada State Bank is offering a bonus of up to $1,200. Bonus is broken down as follows:
  • $350 Bonus With direct deposits totaling $7,500 or more within the first 90 days
  • $350 Bonus When you maintain a 90-day average balance of $25,000 in a new linked Money Market account
  • Up to $500 Bonus When you extend your relationship to a new Zions Wealth investment account
    • Earn $500 with $250k invested in to new account
    • Earn $250 with $150k invested in to new account
    • Earn $125 with $50k invested in to new account

The Fine Print

• Limited time offer and is subject to change at any time without notice. Offer available to new Gold Account holders only. To receive the cash bonus offer, the Gold Account must be a new Gold Account open for a minimum of 90 days, and open at time of bonus payment. Bonus payment will be deposited into the Gold Account within 60 days of meeting the qualifications. Eligible only for individuals who haven’t owned a Nevada State Bank deposit or loan account in the past 12 months. Cannot be combined with other checking offers. Limited to one bonus per account and customer. This online-only offer may not be available if you leave this page, visit nsbank.com, a Nevada State Bank branch, or call the bank. All tax liabilities, if any, associated with the benefits are the responsibility of the recipient, and the recipient may receive an IRS tax reporting statement that includes the approximate retail value of the benefits. If tax documentation including a valid W-9 or W-8 is not completed, the prize may be forfeited. Minimum opening deposit of $50 required for new Gold Account. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees, or speak with a banker for more details.
• $350 Direct Deposit Bonus: The Gold Account must receive qualifying direct deposits within the first 90 days totaling $7,500 or more. Qualifying direct deposits include regular, periodic Automated Clearing House (ACH) credits, such as payroll, salary, pension, or government benefits (e.g., Social Security). Deposits that do not qualify are those made through Real-Time Payments (RTP) or peer-to-peer services such as PayPal, Zelle, and Venmo. Transfers from another Nevada State Bank account do not count as direct deposits.
• $350 New Money Market Bonus: A new Nevada State Bank Money Market account linked to the Gold Account must be opened with new money within the first 90 days of opening the Gold Account. Must maintain a 90-day average balance of $25,000. Minimum opening deposit of $50 required for new Money Market account. Please refer to the Deposit Account Agreement, Account Disclosure, Deposit Rate Sheet and Personal Account Schedule of Fees, or speak with a banker for more details.
• All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Gold account has a $15 monthly fee. No monthly service fee when you keep a daily account balance of $2,500 OR a combined deposit balance of $25,000.

Early Account Termination Fee

Not sure if there is any EATF or not. 

Our Verdict

Money market account earns 0.35% APY. If you put the $25,000 into an account earning 5% APY you’d earn $308 over that 90 day period so not really worth considering the savings bonus in my opinion. Checking bonus is worth considering but difficult to meet the direct deposit requirement for a lot of people. 

Hat tip to reader Alex

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