Posted by William Charles on April 20, 2017
Bank Account Bonuses

Published on April 20th, 2017 | by William Charles


[Expired] First National Bank $200 Checking Bonus [UT only]

Looks like this has unfortunately expired. Click here to view the best current checking bonuses.

Please note there is another First National Bank. The one we are talking about in this post is We will refer to this bank as First National Bank [UT] on this site to avoid confusion.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: UT only
  • Direct deposit required: Yes, no minimum specified
  • Additional requirements: See below
  • Hard/soft pull: Soft
  • ChexSystems: Unknown
  • Credit card funding: Unknown
  • Monthly fees: None
  • Early account termination fee: 180 days, bonus forfeit or $10 fee charged if no bonus has posted
  • Household limit: One
  • Expiration date: None listed

The Offer

Direct link to offer

  • Open a new Easy Checking account with First National Bank [UT] and receive a bonus of $200 when you complete the following requirements:
    • Deposit $50 minimum at account opening
    • Have a recurring qualified direct deposit of at least $100 post within 60 days of account opening
    • Conduct five debit card transactions per month

$200 bonus

The Fine Print

  • *Bonus/Account Information: Checking offer is not valid for any existing FNB Checking customers.
  • Offer valid only for those applicable accounts opened online at
  • All other accounts opened in a branch or otherwise do not qualify.
  • To receive the $200 checking bonus: 1) Open a new Easy Checking account online; 2) Deposit $50 minimum at account opening; AND 3) Have a recurring direct deposit made to this account within 60 days of account opening. Qualified direct deposits include payroll checks, pension, Social Security or other regular monthly income.
  • Transfers from one account to another account or deposits made in branch do not qualify as a direct deposit.
  • The bonus will be deposited into the account within 90 days of account opening and after all qualifications have been met.
  • There is no minimum balance required to obtain the bonus.
  • Bonuses will be included on a year-end 1099 interest form.
  • One offer per household.
  • Offer not valid for any First National Bank employee.
  • Offer subject to cancellation without any notice.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Their easy checking account has no monthly fee to worry about.

Early Account Termination Fee

If the account is closed within 180 days you either forfeit the bonus if you’ve earned it or $10 if you haven’t.

Our Verdict

Not a bad bonus. I like the fact that there is no monthly fees to worry about and it’s one of the larger bank account bonuses available. Downside is that we don’t have a lot of datapoints on what works as a direct deposit. Still definitely one of the best checking bonuses available.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:

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Jeff Glauser
Jeff Glauser

I contacted their customer service to learn more about if it was a hard pull or not as well as if I needed to do a certain amount with direct deposit. There is no hard pull. This was their response:

Thank you for your interest in opening an account through our website! We don’t do a hard pull of your credit when you open the Easy Checking account. You do need to deposit the $50 minimum at account opening but your direct deposit doesn’t have to be a certain dollar amount. The direct deposit however must be made to your new account within 60 days of account opening and it must be a recurring deposit (Qualified direct deposits include payroll checks, pension, Social Security or other regular monthly income).

If all qualifications have been met then the bonus will be deposited into the account within 90 days of account opening but you will want to keep the account open for at least 180 days to retain the bonus.

Curtis Leasure
Curtis Leasure

Any DP on CC funding from anyone? Maximums, card types, etc.?


Just went through the account opening process online. The process was relatively easy. There was no option to fund the account with a debit or credit card. The only funding options were ACH from another bank, mail in a check, or direct deposit from another bank.

John R Stewart
John R Stewart

Just set it up, waiting for trial deposits.

Anyone with info on what “recurring direct deposit” will satisfy, or do I have to redirect my Social Security?


Yay – another one for Utah! Thank you for posting this! Just opened account online. The process was fairly easy.

Rob Van Dam
Rob Van Dam

Looks like the terms have changed and gotten a little harder, but still not too bad. The site now specifically says that the direct deposit needs to be at least $100 and you have to “Conduct at least 5 debit card transactions per month”.

Seems like that 5 transactions per month would just be until the bonus deposits, not for the full 180 you have to keep the account open but might need to get clarification on that.


William, FYI, this offer appears to no longer be available. I clicked on the direct link to the offer and it is a broken link. Furthermore, going to the bank’s website directly shows no sign of such a bonus. Might want to update this article.


I received my $200. I opened the checking account during the first few days that it became available. I deposited $50 to start. Since then, I have had $10 from my work paycheck direct deposited every pay period (2 weeks). From rereading this site, it looks like they changed it so you have to direct deposit at least $100 now. That sucks.
Anyways. Just letting you know it worked.

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