Is the City National Bank of West Virginia Select Personal Checking bonus available nationwide?

No. This offer is limited to residents of select states: WV, VA, OH.

City National Bank of West Virginia

City National Bank of West Virginia Select Personal Checking $200 Bonus

Q: Is the City National Bank of West Virginia Select Personal Checking bonus taxable?

Yes. Bank account bonuses are considered taxable income by the IRS. City National Bank of West Virginia will send a 1099-INT form if your bonus is $10 or more.

City National Bank of West Virginia pays you $200 when you open a new checking account online, in person, or by phone and set up a recurring direct deposit of $200 or more within 90 days. Available in WV, VA, and OH. The bank's own page marks this as an offer for "select customers," so it may not appear for every applicant.

Bonus amount: $200
Expires: Not listed
Time to complete: ~90 days
Bonus deposited in: ~91 days
Difficulty: Easy

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Requirements

Last verified: Oct 3, 2026

Open a City checking account
Open a new City checking account (Gold, eStatement, Premier, Community Hero, Legacy, Checkless, or Bounce Back) online, in person, or by phone, with a $25 minimum deposit. Not available to Teen Checking, existing checking customers, fiduciary accounts, or previously-closed accounts.
Set up a recurring direct deposit
Establish a qualified recurring direct deposit (payroll, pension, Social Security, or similar) of $200 or more, electronically deposited within 90 days of account opening.

The $200 bonus is deposited into the new account 91 days after account opening, once a qualifying direct deposit has posted within the first 90 days.

Account Details

Monthly fee$null/month

Fee waiver

Fee varies by which of the seven qualifying checking types you choose. eStatement Checking has no monthly fee once you enroll in paperless statements; City Gold is $5/month with cost-saving perks; Premier is $10/month unless you keep a $1,000 balance; Community Hero and Legacy have no monthly fee at all.

Opening deposit$25

Min. hold periodNo minimum

Credit inquiryThe bank does not publish this. Ask before you apply.

ChexSystemsThe bank does not publish whether it screens banking history. Ask before you apply.

AvailabilitySelect states (WV, VA, OH)

Eligibility

Minimum age18+

Existing customersNot eligible

Not available to existing City checking account customers, anyone whose account was previously closed, Teen Checking customers, or those with fiduciary accounts.

Other restrictions

The bank's own checking page describes this as an offer "for select customers," which is YMMV/targeted language -- not every applicant may see it.
The $25 minimum opening deposit cannot be used as the qualifying direct deposit.

Tips & Gotchas

→The bank's own page describes this as an offer "for select customers," which is YMMV language -- you may not see it in every application. If your application doesn't show the bonus, ask a banker to confirm before opening.
→Doctor of Credit calls this in-branch-only, but the bank's own checking page explicitly lists online, in-person, and phone as valid ways to open the account -- online applicants should qualify too.
→The $25 minimum opening deposit cannot count toward the direct deposit requirement.
→Any of seven personal checking types work except Teen Checking, so pick based on your balance and fee tolerance -- eStatement Checking has no monthly fee once you enroll in paperless statements.

Can You Earn This Bonus Again?

Can rechurnNo

NotesNot published by the bank; existing and previously-closed checking customers are excluded entirely, so treat this as a one-time offer.

Fine Print

To earn the $200 direct deposit bonus, establish a qualified recurring direct deposit of $200 or more into a new City checking account. The bonus is deposited into the account 91 days after account opening if a payroll, pension, Social Security, or similar payment has been electronically deposited within 90 days of account opening. The $25 minimum opening deposit cannot be used as the direct deposit. Not available to Teen Checking customers, existing checking account customers, those with fiduciary accounts, or anyone whose account has been closed. Limit 1 bonus per household. Bonus may be reported on Form 1099. Verified on bankatcity.com 2026-09-04.

Taxable income

What is a direct deposit?

An electronic payment sent directly into your bank account, usually from an employer or government.

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Does Zelle Count as Direct Deposit for Bank Bonuses?

Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.