North State Bank
North State Bank Performance Checking 2.0 $200 Bonus
North State Bank pays $200 for a new Performance Checking 2.0 account. The bonus pays after one statement cycle, between 90 and 180 days after opening, in which you make at least 20 debit card purchases and receive at least one direct deposit. The $20 monthly fee is waived with a $2,500 daily balance or $10,000 combined at the bank. North Carolina residents only.
- Bonus amount
- $200
- Expires
- Not listed
- Time to complete
- ~120 days
- Paid after opening
- ~150 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 3, 2026
Open Performance Checking 2.0
Open a new North State Bank Performance Checking 2.0 account. The bonus is only available to North Carolina residents, and no online application was found for this account on 2026-10-10, so plan to open it with a banker.
20 debit card purchases in one cycle
During one statement cycle between 90 and 180 days after opening, make at least 20 paid debit card transactions. ATM transactions do not count.
1 direct deposit in the same cycle
In that same statement cycle, receive at least one direct deposit. The page sets no minimum amount.
The bonus pays after you meet both requirements in one statement cycle between 90 and 180 days after opening. The page does not say how soon after that cycle it posts.
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Account Details
- $2,500 minimum daily balance in a North State Bank checking or savings account
- Combined balance of $10,000 or more in checking, savings, money market, CD or IRA at North State Bank
The bonus qualifies in one statement cycle between 90 and 180 days after opening, so the account has to stay open at least that long.
Eligibility
Not available for an account that already received a personal checking opening bonus. A converted account may qualify if the current account was opened within the last six months.
- North Carolina residents only.
- One personal account opening bonus per household.
- No online application was found for this account on 2026-10-10. Plan to open it with a North State Bank banker or at a branch.
Tips & Gotchas
- Timing matters: the 20 debit purchases and the direct deposit must land in the SAME statement cycle, and that cycle must fall between day 90 and day 180. Activity in your first three months does not count.
- The $20 monthly fee runs the whole time unless you keep a $2,500 daily balance or $10,000 combined at North State Bank. Four to six months of fees would eat most of the $200.
- North Carolina residents only. The offer page has no online application, so call or visit a North State Bank branch to open the account.
Can You Earn This Bonus Again?
Fine Print
Bonus is paid after the following requirements are met during one of the statement cycles between 90 to 180 days of the account opening date: 1) at least 20 paid debit card transactions (not including ATM transactions); 2) at least one direct deposit within a statement cycle. Bonus is not available for accounts that received a previous account opening bonus related to a personal checking account. Limit one personal account opening bonus per household. A converted account may be eligible if the current account was opened within the last six months. Only available to residents of NC. Subject to change without notice.
Taxable income
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What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
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.
What is a fee waiver?
A condition you can meet to have the monthly maintenance fee on an account waived.
Also see: this month's best bank bonuses and community DD data points.
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