Posted by William Charles on February 10, 2016
Bank Account Bonuses

Published on February 10th, 2016 | by William Charles


[PA only] ACNB Bank $200 CareFree Checking Bonus

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: PA only, have to go in branch even if you open online. Branch locator here
  • Direct deposit required: Yes, $200+
  • Additional requirements: 10 unique non-PIN based debit transactions, log into Online Banking
  • Hard/soft pull: Soft (don’t even do a ChexSystems inquiry)
  • Credit card funding: None
  • Monthly fees: None
  • Early account termination fee: Account must be kept open for one year to get the full bonus, if closed within first 120 days you will forfeit the first $100 bonus
  • Expiration date: February 12th, 2016

The Offer

Direct link to offer

  • Receive a sign up bonus of $200 when you open a CareFree Checking account with ANCB Bank, broken down as follows:
    • First $100:
      • Establish a recurring direct deposit of at least $250 or more
      • Establish and log into Online Banking
      • Establish a debit card and conduct 10 unique, Non-PIN based transactions
    • The second $100 is deposited at the year anniversary of the account as long as the account is active and in good standing


The Fine Print

  • This offer cannot be combined with any ongoing offers, promotions or discounts
  • Offer does not apply to existing ACNB Bank personal checking account customers
  • Direct deposits are limited to Social Security, pension or payroll
  • Requirements must be completed within 60 days of account opening
  • Gift will be deposited in the new account after steps have been verified
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

This account has no monthly fees or minimum, if the account is closed within 120 days you will forfeit the first $100 bonus as an early account termination fee. You might as well keep the account open though to get the full $200 bonus.

Our Verdict

This is a pretty good bonus considering there is no hard pull (and no ChexSystems inquiry), one downside is that you need to go in branch even if you open online. My only other concern is that they say they will verify the requirements are met, since it’s a small bank with a small footprint it’s entirely possible that they will manually do this. Because of this we haven’t added it to our best of list. But please share your experiences with it in the comments below.

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Big thanks to reader, David who let us know. Please consider sharing bank bonuses with this site so we can make it even better.

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No CC funding.


did you opened it? was it soft pull or hard pull? thanks.


Just applied. Needs administrative review; I’m guessing they manually review all applications.


Few data points from their response to my email:

They do not do any kind of inquiry, not even chexsystem. strange but I have heard of small banks skipping it.

You must visit branch after applying online. no excuse from that. they were pretty clear on this requirement.


[…] [PA only] ACNB Bank $200 CareFree Checking Bonus […]


Anybody get a 1099 from this bank for the bonus?


Anyone try mobile MO deposits with them?

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