Update: Offer starts 6/9/2025
Offer at a glance
- Maximum bonus amount: $700
- Availability: PA, OH, MD, DC, VA, NC, SC, WV
- Direct deposit required: Yes, total of $2,500+ within 90 days
- Additional requirements: See below
- Hard/soft pull: Soft
- ChexSystems: Unknown
- Credit card funding: Up to $100, all payment networks are accepted.
- Monthly fees: None with eStatements
- Early account termination fee: 180 days, $50
- Household limit: One
- Expiration date: July 17, 2025
The Offer
Direct link to offer
- First National Bank is offering a $700 bonus. Bonus is broken down as follows:
- Open a Checking Account: Earn $400 by making direct deposits totaling $2,500 or more and completing at least 15 debit transactions.
- Open a Savings Account: Earn $300 by depositing $5,000 in new money.
The Fine Print
- This promotional offer is limited to new customers who are residents of Pennsylvania, West Virginia, Ohio, North Carolina, South Carolina, Washington D.C., Virginia, or Maryland and may be redeemed at fnb-online.com or in-person at a First National Bank (FNB) branch. New customers are defined as customers who do not have any active accounts with FNB at the time the new account is opened. A $50 minimum deposit is required when opening a checking account online except for the eStyle Account, which is $25. Offer valid for new personal checking accounts opened June 9, 2025, through July 17, 2025.
- Promotional offer consists of a $400 direct deposit and transaction reward, and a $300 account balance reward, for a maximum reward of $700, subject to the eligibility criteria and conditions set forth below. The conditions must be met or maintained, as applicable, during a promotional period that spans three full calendar months and that begins the first day of the month following the account opening date. For example, if the account was opened in January, the promotional period would begin on February 1. Eligible customers may not receive the maximum of $700 if all reward conditions are not satisfied.
- To receive the $400 direct deposit and transaction reward, the following conditions must be satisfied: 1) Open a new personal checking account (Freestyle, eStyle, eStyle Plus, Lifestyle or Premierstyle) and make a qualifying direct deposit(s) totaling $2,500 within the promotional period; and 2) Make 15 customer-initiated debit transactions from your new personal checking account within the promotional period (including, but not limited to, point-of-sale transactions that settle and post to your account within the 90-day period, PIN, ATM withdrawals, transfers to other accounts, mobile banking, online bill pay, wire transfers, personal checks, and Zelle® payments); and 3) Your checking account must be open and in good standing for the duration of the promotional period. Your $400 reward will be credited to the account within 15 business days following the promotional period.
- To receive the additional $300 account balance reward, the following conditions must be satisfied: 1) Open a new personal FNB savings account (FirstRate Savings or FirstRate Money Market) and deposit $5,000 new-to-bank money at account opening, and 2) Maintain this $5,000 balance during the promotional period, and 3) Your savings account must be open and in good standing at the end of the promotional period. Your $300 reward will be credited to the account within 15 business days following the promotional period. New-to-bank money is defined as money not already held in an existing FNB account. Proceeds from FNB loans do not qualify as new money.
- Offer is non-transferable and subject to change without prior notice. Offer may be terminated or extended based on response. Offer does not apply to multiple checking or savings accounts, existing FNB checking or savings accounts, or accounts converting to another personal checking or savings account. Account rewards are limited to one per household per calendar year. FNB employees and/or members of their household are not eligible for this promotion. FNB may offer multiple promotions at one time. Even if you meet the requirements for multiple promotional offers, you are only eligible for and will receive one promotional reward offer. Checking accounts closed by the customer within 180 days of opening are subject to a $50 account early closing fee except for the eStyle Account, which has no closing fee. Some checking accounts accrue interest based on balance. Lifestyle Checking currently pays on tiered rates, subject to change at any time. Please visit fnb-online.com or your local branch for current rates. Fees could reduce the earnings on the account. See the Consumer Fee Schedule, which is available at any FNB branch, for further information on fees applicable to this account. To the extent required by law, FNB will report the value of this reward to the IRS on Form 1099 MISC. Any applicable taxes are the responsibility of the account holder. In the event we determine that your account does not meet the eligibility criteria, that the activity in your account does not qualify to meet the required conditions, is not in good faith, or otherwise undermines the spirit or intent of the promotion, we will not be obligated to credit your account with the reward payout. FNB may determine at its sole discretion not to pay a promotional offer reward for an account that appears to be opened for the primary purpose of receiving the reward payout and not for any other genuine banking purpose(s).
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
The easiest account to keep fee free is Freestyle checking, there is no monthly fee as long as you have eStatements enabled.
Early Account Termination Fee
$50 fee if closed within 180 days of account opening
Our Verdict
Better than the $200 savings bonus and same as the $400 checking bonus offered in the past. Will add this to the best bank bonus page.
Hat tip to 1dunnj
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?
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