Deal has ended, view more bank account bonuses by clicking here.
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
Contents
The 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?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
Data point – I applied in person after receiving a mailed flyer for a $400 checking bonus for direct deposit and 15 debits and a $300 savings bonus for maintaining $5k for a period of time (I’m at work and don’t have the details with me). I called today and confirmed that both accounts were coded with the proper promo code and, if I meet the terms, I’ll receive a total of $700 in bonus money.
I guess the actual mailed offer addressed to me is the difference between what is indicated below.
Of note, I had to apply in writing for a debit card (the application isn’t available online) and have yet to receive one despite starting this process 4 weeks ago.
do you recall if your mailed had the same promo code of DM7002504?
do you recall what the promo code was on your mailer, if there was one?
I’m looking at it now. It’s a QR code. With that said, I applied in person and something was manually entered by the CSR.
Even if we meet the requirements and then submit CFPB and other complaints, they may use the wording below to deny paying out the bonus….
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).
I’ve submitted complaints through CFPB, OCC and PA DoBS. CFPB received the same response as everyone else so far, mentioning it was a mailer and I was not eligible. Is there anything else we can do? The CFPB seems it just contact the company and as long as they respond its considered “resolved”. Is there anyway to complain enough or somewhere that someone actually looks into the false advertising? I think I will do BBB as well but I havent technically met the bonus requirements yet so I might save that for when I have completed them
You can file a claim in small claims court. You will probably lose if they show up or move to arbitrate. If they don’t show up, default judgment.
I filed a complaint with the CFPB and got the same FNB reply the bank told me over the phone: this was only a targeted offer. I closed the accounts.
OCC, CFPB and PA DoBS complaints filed, lets see what happens. Not really expecting anything.
I agree with an earlier post. I think they are trying to bluff on the $700 bonus. As BBB, OCC, and BBB complaints work through I think there’s a decent chance people will get paid in the end. There are BBB complaints on their page that have resulted in them paying bonuses they’ve tried to get out of before https://www.bbb.org/us/pa/pittsburgh/profile/bank/first-national-bank-of-pa-0141-5049/complaints where they explicitly didn’t pay before a BBB complaint. I think it’s worth filing 1. BBB 2. CFPB 3. OCC complaints for those who had the bonus they disallowed. They are straight up breaking the law and there is zero ambiguity on it. If nothing else we should set the precedent that we will fight vigorously on this kind of thing. I mean honestly it doesn’t get clearer than this:
For anyone still trying to get FNB to honor the now-expired $700 promotion — I’d suggest not wasting any more time. I met all the listed requirements and even had a qualifying direct deposit lined up, but they denied the bonus, claiming I wasn’t targeted despite no such language in the promo terms. After multiple messages and a call with a branch manager, they refused to budge. I withdrew my funds and closed both accounts. Judging from other reports, this seems to be happening to a lot of people.
I agree on the savings bonus, but I see little reason not to file a CFPB and OCC complaint and fulfill the direct deposit bonus since (1) it doesn’t cost anything once the account is opened (2) filing a CFPB complaint takes like 5 minutes especially because they have everything in writing and (3) There is a report below of someone saying they will give them the bonus. The law is pretty black and white (see my earlier comment) and they are straight up breaking it. I agree with the other poster they may be trying to bluff a bunch of people into quitting the bonus so they only have to pay the people that file with the government. I think if you already have setup the account there’s little reason not to file a CFPB complaint and OCC complaint, and specifically note the laws that they are violating (see my earlier comment). I agree on not spending huge ammounts of time talking to them at this point, governmental complaints are the main way at this point.
Except their reply to the CFPB complaint is that they won’t pay it.
I mean they are straight up breaking the law honestly… from Chat GPT:
Banks that advertise deposit-account “bonuses” are subject to a number of federal rules—and general contract principles—that guard against retroactive or undisclosed changes to the deal:
What you can do:
In short: absent a conspicuous, pre-acceptance disclosure of the mailer requirement, the bank must honor the originally advertised bonus and may not retroactively impose that condition on your opened account.
They responded to my CFPB complaint. Gonna withdraw, get any fees waived, and move on to another bonus. Not worth tying it up with the hopes they somehow give me the bonus.
CFPB reply from FNB:
Please accept this letter as a response to the complaint that we received on June 20, 2025, from the Consumer Financial Protection Bureau (CFPB) regarding your deposit accounts at First National Bank (FNB). We have reviewed the details of your complaint regarding a promotional reward offered by FNB. On June 11, 2025, you opened new Freestyle Checking and FirstRate Savings accounts via the FNB website, with a code for a promotional reward through which you could earn up to $700.00 total for meeting certain requirements. Unfortunately, your accounts do not meet the requirements for the offer because the account promotion was offered by mail only, and your address does not match the invitation for the offer. If you have additional questions regarding your new accounts, you may contact any FNB office or the FNB Contact Center at 800-555-5455, Monday through Friday, 8:00 AM until 9:00 PM and Saturday and Sunday, 8:00 AM until 5:00 PM. Please note that if you would like to close your account, you may visit any FNB office location to withdraw the initial deposit and request to close the account or bring your account to a $0.00 balance and contact the Contact Center to request account closure. Please note that, as a courtesy, we will waive the account closure fee if you decide to close these accounts.
Is there anybody who actually received this promotional mailer to their actual address and signed up with their code with experiences to report?
I received this promo in the mail a few weeks ago, and signed up for the offer while it was still valid. I haven’t had any account closures or anything lie that. Just trying to understand if people who received the offer are still being impacted by the random closures, etc.
I’m also wondering this. I was targeted and have the mailer, and live near a branch, and I’m trying to decide if I should try signing up in branch or not.
They were only kicking out people that signed up without a mailer, AFAIK.
Melanie
Monetary