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Ravel
Ravel (@guest_2106187)
July 25, 2025 16:46

Just another DP- mailer addressed to P2 (t&c states once per household per cal year so I just did it under my name instead of bothering P2- I hope this will not be my downfall)

I opened this on July 14th, via Fnb-online.com/Get700June25 (it is the same url as it was on this page and also on the mailer, the link will tell you you missed it now), same code DM7002504. There was an address verifier right when I got to the website; all good. Code was also automatically applied and I didn’t have to enter anything. 5k was transferred from my hub to the First rate savings during the opening process. $25 opening deposit for eStyle checking. I would have done this end of June so that the promotional period would be over sooner, but couldn’t get the 5k together in time. I have been monitoring this page and seeing all this fiasco … yet still decided I would try 😅.

Couldn’t register for online banking right away, waited 2 days and called rep on July 16th and was assured my account will be “released” over the weekend. I asked whether this will affect the promo since it expires July 17th, and the rep said she can see the code applied and it should be fine -_- Finally was able to register online (I was just trying everyday, there was no notification) this week on July 22nd.
Debit card arrived today (July 25th) someone somewhere in the comments said it took a few weeks so I am glad it’s not the case here. Need that card to complete the offer. Promotional period doesn’t start until Aug (through Oct) -_- so I will be doing 1 real DD and 5 debit transactions per mo (to satisfy fee waiver and also the 15 transactions for the offer) . Well..they have my monies. I guess I will report back 15 days after Oct 31st to see if this worked…🤞🏻

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.