Subscribe
Notify of
guest
The comment form collects your name, email and content to allow us keep track of the comments placed on the website.

241 Comments
newest
oldest most voted

Kenny M
Kenny M (@guest_2104812)
July 23, 2025 12:51

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.

david
david (@guest_2105195)
July 23, 2025 23:37

do you recall if your mailed had the same promo code of DM7002504?

david
david (@guest_2105554)
July 24, 2025 14:30

do you recall what the promo code was on your mailer, if there was one?

Kenny M
Kenny M (@guest_2105723)
July 24, 2025 18:30

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.

Mike
Mike (@guest_2103084)
July 20, 2025 09:48

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).

Bert
Bert (@guest_2101611)
July 17, 2025 15:46

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

Mike D
Mike D (@guest_2105346)
July 24, 2025 09:25

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.

Rich W.
Rich W. (@guest_2101341)
July 17, 2025 11:01

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.

MP-The-Law
MP-The-Law (@guest_2097930)
July 12, 2025 18:00

OCC, CFPB and PA DoBS complaints filed, lets see what happens. Not really expecting anything.

Joe
Joe (@guest_2097899)
July 12, 2025 17:11

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:

  1. Truth in Savings (Regulation DD) Requires Full Disclosure
  2. Under 12 CFR § 1030.8(d), if a bank states a bonus in an advertisement, it must “clearly and conspicuously” disclose all material conditions—e.g. the time requirement to earn the bonus, the minimum balance required to obtain it, and when it will be paid. Slapping on a brand-new “must have received a mailer promo” requirement after you’ve opened your account, when that condition was never disclosed, runs afoul of Reg DD’s ban on misleading or inaccurate ads ecfr.gov.
  3. Unfair or Deceptive Acts and Practices (“UDAP”)—FTC & CFPB
  4. Both the Federal Trade Commission Act (Sec. 5) and the Consumer Financial Protection Act prohibit deceptive or unfair practices in marketing financial products. The FTC enforces “truth in advertising” across all media, and the CFPB’s Circular 2024-03 reinforces that covered banks may not slip in undisclosed contract terms that take away consumer rights. A retroactive mailer-only requirement is exactly the kind of bait-and-switch these laws forbid ftc.govconsumerfinance.gov.
Sw26
Sw26 (@guest_2092374)
July 4, 2025 15:56

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.

Joe
Joe (@guest_2092525)
July 4, 2025 20:01

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.

Dave C
Dave C (@guest_2092593)
July 4, 2025 23:11

Except their reply to the CFPB complaint is that they won’t pay it.

Joe
Joe (@guest_2091889)
July 3, 2025 17:07

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:

  1. Truth in Savings (Regulation DD) Requires Full Disclosure
  2. Under 12 CFR § 1030.8(d), if a bank states a bonus in an advertisement, it must “clearly and conspicuously” disclose all material conditions—e.g. the time requirement to earn the bonus, the minimum balance required to obtain it, and when it will be paid. Slapping on a brand-new “must have received a mailer promo” requirement after you’ve opened your account, when that condition was never disclosed, runs afoul of Reg DD’s ban on misleading or inaccurate ads ecfr.gov.
  3. Unfair or Deceptive Acts and Practices (“UDAP”)—FTC & CFPB
  4. Both the Federal Trade Commission Act (Sec. 5) and the Consumer Financial Protection Act prohibit deceptive or unfair practices in marketing financial products. The FTC enforces “truth in advertising” across all media, and the CFPB’s Circular 2024-03 reinforces that covered banks may not slip in undisclosed contract terms that take away consumer rights. A retroactive mailer-only requirement is exactly the kind of bait-and-switch these laws forbid ftc.govconsumerfinance.gov.
  5. Contract Law & Promissory Estoppel
  6. An advertised bonus, once you’ve opened the account in reliance on it, functions as a unilateral offer you’ve accepted. Absent a clear, conspicuous disclaimer in the original ad (“offer subject to change” or “promo code required”), the bank cannot impose new conditions on already-open accounts without breaching the agreement or triggering promissory-estoppel claims. While most account agreements have a general “we can change these terms” clause, courts will usually hold that a separate, standalone bonus offer isn’t subject to broad fine-print amendments once accepted.

What you can do:

  • Push back with the bank: Point to the original promotion and Reg DD’s disclosure rules.
  • File a complaint with the CFPB (consumerfinance.gov) or the FTC (ftc.gov) if the bank refuses to honor the bonus.
  • Seek refund of any fees you’ve paid in reliance on the bonus terms.

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.

Dave C
Dave C (@guest_2091739)
July 3, 2025 14:00

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.

Melanie
Melanie (@guest_2091258)
July 2, 2025 20:36

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.

Monetary
Monetary (@guest_2091576)
July 3, 2025 11:08

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.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 3, 2025 12:27

They were only kicking out people that signed up without a mailer, AFAIK. Melanie Monetary