[Expired] QCR Holdings / QCBT $300 Checking Account Bonus (2026) - Review & Requirements
Below is the offer exactly as we last tracked it, kept for reference. It may no longer be available to open.
- Direct deposit: $1,000 in qualifying direct deposits
- Deposit window: 90 days
- Minimum opening deposit: $25
- Make 1 debit card transaction
- Availability: IA, IL
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Unknown
- No early-closure rule listed
- Bonus posts: ~30 days
- Account hold: Must keep open 30 days
What Counts as Direct Deposit
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
Then, within 90 calendar days of opening, use the account's debit card at least once and have recurring ACH direct deposits totaling at least $1,000 post and settle to the account. The terms call for reoccurring direct deposits, so plan on a repeating payroll-style deposit rather than one lump transfer. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
QCR Holdings / QCBT's $300 checking offer is no longer available. This page preserves the final tracked requirements, source, and offer history so you can compare it with currently active bonuses.
Pros
Cons
Notes
Receive $1,000+ in direct deposits within 90 days. Allow approximately 30 days for the bonus to post after qualification. Keep the account open for at least 30 days.
How This Compares to Other Bonuses
QCR Holdings / QCBT's $300 offer is closest in headline value to American Express's $300 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current QCR Holdings / QCBT checking bonus?
The final offer we tracked paid $300; it is now marked expired.
Does the QCR Holdings / QCBT bonus require direct deposit?
Yes. The catalog currently records $1,000 in qualifying direct deposits within 90 days. Confirm the bank's exact definition before applying.
When should the QCR Holdings / QCBT bonus post?
The tracked estimate is about 30 days after you satisfy the requirements.
Full Requirements
Open a new consumer checking account by August 31, 2026 with the required minimum opening deposit ($25 for Bank On Checking, $50 for U Account Checking). Then, within 90 calendar days of opening, use the account's debit card at least once and have recurring ACH direct deposits totaling at least $1,000 post and settle to the account. The terms call for reoccurring direct deposits, so plan on a repeating payroll-style deposit rather than one lump transfer. Keep the account open at least 30 calendar days with a positive balance at the end of the 90 days. The $300 lands within 30 calendar days after you finish the requirements. Apply online.
Fees
No monthly fee on eligible checking.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
QCR Holdings/QCBT (Quad Cities, IA/IL). You must be an Iowa or Illinois resident, and you cannot have closed a QCBT consumer checking account in the previous 12 months. Current QCBT consumer checking customers and business accounts are excluded, and the offer is one bonus per customer per account, paid to the primary owner. Zelle, Venmo and Cash App payments are not direct deposits, and ATM transactions do not count toward the debit card requirement. The U Checking account charges $5 per statement cycle if you take paper statements, so enroll in eStatements. Reader warning (h/t David M. in the comments): the published terms only require IA/IL residency, but a reader reports non-Quad-Cities applicants are denied at account opening. Treat this as Quad Cities metro only unless you can confirm otherwise with the bank first. Promotion ends 8/31/2026.
Sources (2)
We last checked this against the bank's page on September 30, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
Comments (0)
Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.