[PA, OH, MD, DC, VA, NC, SC, WV] First National Bank (FNB) $200 Savings Bonus

Offer at a glance

• Maximum bonus amount:
• Availability: This promotional offer is limited to current customers of First National Bank (FNB) who are residents of Pennsylvania, West Virginia, Ohio, North Carolina, South Carolina, Washington D.C., Virginia, or Maryland and do not have a consumer savings account with FNB
• Direct deposit required: No
• Additional requirements: See below
• Hard/soft pull: Soft 
• ChexSystems: Unknown
• Credit card funding: Up to $100, all payment networks are accepted. 
• Monthly fees: None
• Early account termination fee: $50, 180 days
• Household limit: None
• Expiration date: January 3, 2026

The Offer

Direct link to offer

• First National Bank (FNB) is offering a $200 bonus when you open a new savings account and complete the following requirements:
  • Use promo code SAV2002504
  • Open a new personal savings account (FirstRate Savings or FirstRate Money Market) and deposit $5,000 new-to-bank money at account opening; and
  • Maintain this $5,000 balance for six full calendar months (the promotional period) after account opening
  • The account must be open and in good standing at the end of the promotional period

The Fine Print

• This promotional offer is limited to current customers of First National Bank (FNB) who are residents of Pennsylvania, West Virginia, Ohio, North Carolina, South Carolina, Washington D.C., Virginia, or Maryland and do not have a consumer savings account with FNB.
• Offer may be redeemed at fnb-online.com.
• A $50 minimum deposit is required when opening a savings account online
• . Offer valid for new personal savings accounts opened April 1, 2025, to January 3, 2026.Promotional offer consists of a $200 account balance reward, subject to the eligibility criteria and conditions set forth below. Eligible customers may not receive the $200 reward if all reward conditions are not satisfied.

   

• To receive the $200 account balance reward, the following conditions must be satisfied: 1) Open a new personal 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 for six full calendar months (the promotional period) after account opening, and 3) The account must be open and in good standing at the end of the promotional period. Your $200 reward will be credited to the account within 15 business days following the promotional period, which begins on 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.) 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 savings accounts, existing FNB savings accounts, or accounts converting to another personal savings account. Savings 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. Some savings accounts accrue interest based on balance. 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

These accounts have no monthly fees to worry about.

Early Account Termination Fee

$50 fee if closed within 180 days of account opening

Our Verdict

You need to be an existing customer and not currently any personal checking bonuses unfortunately. This bonus works out to be 8% APY plus whatever these accounts earn. Will add this to our list of the best savings bonuses.

Hat tip to reader Chris

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