[Expired] [PA & MD only] ACNB $400 Checking bonus, Direct Deposit Optional

Deal has ended, view more bank account bonuses by clicking here.

Offer at a glance

Maximum bonus amount: $400
Availability: PA/MD only only, have to go in branch even if you open online. Branch locator here for PA & here for MD. Must live close to a branch as well, one report of being denied and being within 30 miles.
Direct deposit required: Optional
Additional requirements: See below
Hard/soft pull: Soft
ChexSystems: Doesn’t pull
Credit card funding: None
Monthly fees: $0-$9.95, avoidable
Early account termination fee:
Household limit: One
Expiration date: 12/31/24

Contents

1 The Offer
2 The Fine Print
3 Avoiding Fees
- 3.1 Monthly Fees
- 3.2 Early Account Termination Fee
4 Our Verdict

The Offer

Direct link to offer

ACNB is offering a $400 bonus when you open a new checking account and complete the following requirements:
- Open a NEW checking account online, add the code ‘earn400’ in the special offer promo code box. Choose from:
  - Advantage Rewards Plus Checking,
  - Advantage Rewards Checking, or
  - Basic Checking account with $500 in total qualifying recurring direct deposits (pension, payroll, or social security) within the first 60 days.
- Enroll in online banking with eDocuments.
- Establish a Mastercard® debit card and make 10 unique transactions within the first 60 days.

The Fine Print

ffer valid 11/1/24 through 12/31/24. Offer may be modified or discontinued without notice. $400 Cash Gift: Offer does not apply to existing ACNB Bank personal checking account customers, owners or those with signing authority on any other ACNB personal checking account or those who closed a checking account within the last 12 months.
The $400 gift is deposited after completing the following steps within the first 60 days of opening a new Advantage Rewards Plus Checking Account or Advantage Rewards Checking Account (1) Establish and log into Online Banking (2) Enroll in eDocuments and (3) Establish a Mastercard® debit card and conduct 10 unique transactions. Opening a Basic Checking account: (1) Establish and log into Online Banking (2) Enroll in eDocuments (3) Establish $500 or more in reoccurring direct deposits limited to Social Security, pension or payroll within the first 60 days of opening the checking account and (4) Establish a Mastercard® debit card and conduct 10 unique transactions.
It may take more than two days for a transaction to post and clear.
Gift will be deposited in the new account after steps have been verified.
Customer may be subject to 1099 INT reporting.
Limit of one $400 gift per account and per household address.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Basic checking has no monthly fee, but requires direct deposit for the bonus
Advantage rewards checking has a $7.95 monthly fee that cannot be waived
Advantage rewards plus checking has a $9.95 monthly fee with a $2,500 average daily balance

Early Account Termination Fee

I wasn’t able to find an EATF in the fee schedule.

Our Verdict

Very strict on account opening unfortunately. Worth it if you can get the account opened though.

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22 Comments

newest

oldest most voted

h (@guest_2032328)

March 27, 2025 00:10

#2032328

Convoluted but eventually successful in footprint DP:

12/20 tried to open a basic account online, got an email that I had to have an in person meeting
12/26 had in person meeting, opened basic acc with cash deposit
1/3, 1/17, 1/31: real DD of $500 each
2/1-2/10: did 10 unique debit card transactions online
3/21: sent secure message inquiring about bonus, got a response indicating that I didnt have recurring monthly transactions (since all my deposits ended up going through in January, by coincidence). I sent back a message stating that the term monthly didn’t appear in the bonus terms and asked to escalate it to a supervisor.
3/24: $400 bonus awarded

JP (@guest_2019735)

March 9, 2025 15:17

#2019735

Anybody have more DP when bonus hit your account?

Tornado (@guest_2019743)

March 9, 2025 15:32

#2019743

Mine was 2 days after all requirements were met. It posted on a Wednesday. It was right about a month since I opened the account.

By the way, I tried to call and close it immediately after, but the rep said there was an early termination fee so I’m just going to wait until the 6 month mark and then close without a fee. I didn’t recall seeing a fee I the schedule but not worth fighting over anything.

JP (@guest_2020088)

March 10, 2025 12:27

#2020088

Tornado

well, looks like something’s wrong with mine then cos I met terms by 1/22/25. Used chase biz payroll to send myself ‘DD’ which is pretty robust in counting as DD. I also did Traditions bank bonus, which may be is creating conflict with this bonus as they have merged but still operating individually.

Tornado (@guest_2020096)

March 10, 2025 12:39

#2020096

Did you also enroll for eDocuments and do the 10 debit transactions?

I used an employer’s DD, but usually a Chase Business ACH is considered the same.

JP (@guest_2020105)

March 10, 2025 12:51

#2020105

Yep, did both.

JP (@guest_2020401)

March 10, 2025 22:15

#2020401

I heard back from them. They are denying based on this “One of the requirements to receive the $400 was for there to be a reoccurring direct deposit into this account. There was only 1 direct deposit into this account, so you would not qualify for that $400 bonus.” I have kindly requested them to reconsider that and escalate it because my interpretation didn’t account for more than 1 direct deposit needs to happen.

Tommy Peters (@guest_1974421)

December 23, 2024 23:58

#1974421

I was able to open in branch. They do a chex inquiry.

AKCYL (@guest_1961262)

November 28, 2024 23:11

#1961262

Approved but it took a few days after applying. I do live 10 miles from a branch though so I expected approval. Credit card funding allowed up to $1000. Used Chase biz card for $950 deposit and it coded as purchase.

Stan F (@guest_1962747)

December 2, 2024 11:07

#1962747

AKCYL

Looks like it is one per household so only P1 can do, correct?

TJ (@guest_1964196)

December 4, 2024 21:18

#1964196

Which checking account did you open?

Yots (@guest_1959536)

November 26, 2024 15:44

#1959536

Some updated data points:

First applied on 11/18 and funded with a US bank business card with cash advance turned off, but the application was rejected due to a “funding error.”

I applied again on 11/20 and funded with a bank account. The application was approved, and it took a few days to verify the bank account deposits for the actual account to be opened. It is now fully opened. All was done online; no need to visit the bank.

Some additional details:
I applied for the advantage rewards checking.
I live a little under 30 miles from the closest branch.
Fee schedule includes a $30 early termination fee if closed within 180 days.

Yots (@guest_1978632)

January 3, 2025 17:13

#1978632

Yots

Some more date points:

I completed the 10 debit card transactions on December 4th. The bonus posted on January 2nd. It posted before any monthly fee for the Advantage Rewards Checking account was charged. I was then able to downgrade to Basic Checking by calling in to avoid any monthly fees going forward. I will keep the account open for 180 days to avoid the early termination fee.

JP (@guest_2019734)

March 9, 2025 15:16

#2019734

which account version did you open? I did basic checking and completed my 10 debit by 1/22. Also did DD from chase biz payroll in end of Dec, which is pretty solid for DD req. I have yet to see the bonus.