You can twist it however you want Boon. It was money they gave to their customers that no Federal bank would ever give you. You have to have a bank account for many jobs these days so signing up for an account is a normal part of life. Nothing in life is free, sure, if you want to get down and technical about it, but i had to do nothing extra to get it, and i already had an account before they decided to do it, so it's not like they were dangling a dividend carrot in front of me to entice me to sign up for an account, switch my bank account type into something else, get a loan from them, etc, to get the dividend. I didnt have to pay to get my account, i pay no anual fees, i just got a car loan from them not too long ago, so it was other people's money from loans and bank investments that paid the dividend to me.
Though the dividend that you got was based on how many accounts you have, how much money you have in your accounts, any laons you have with them, etc.