Posted by William Charles on April 19, 2017
Bank Account Bonuses

Published on April 19th, 2017 | by William Charles

32

[Targeted][PA & MD, OH, WV, VA & D.C. only] First National Bank (FNB) $250 Checking Promotion

Offer at a glance

The Offer

No direct link, see mail out below

  • Open a new First National Bank checking account online (with promo code, note this might be unique) or in branch by bringing the mailer and earn a bonus of $250 when you complete the following requirements:
    • Open a Freestyle, Mystyle, Lifestyle or Premierstyle account with a minimum opening deposit of $50
    • Set up and receive qualifying direct deposits totalling at least $2,500 or more within the first 90 days of account open

first national bank $250 bonus

The Fine Print

  • A $50 minimum deposit is required when opening an account online. To receive the $250 reward, the following conditions must be satisfied: 1) set-up and have a qualifying direct deposit(s) totaling $2,500 or greater made to your new personal checking account within the first 90 days after account opening online; and 2) your account must be in good standing once the above conditions are satisfied.
  • Then your $250 reward will be credited to this open account on the next business day following the 90 days after account opening.
  • Your qualifying direct deposit(s) needs to be an electronic-type deposit, similar but not limited to, paycheck, pension or government benefits (such as Social Security) from your employer or other affiliated depositors.
  • Offer valid for new personal checking accounts opened April 17, 2017 through June 17, 2017.
  • Offer subject to change without prior notice and may be terminated or extended based on response.
  • Offer does not apply to multiple checking accounts.
  • Existing FNB checking accounts or accounts converting to another personal checking account are NOT eligible for this offer.
  • You can receive only one new checking account reward related offer per household per calendar year
  • Bank employees and members of their household are not eligible for this promotion.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

The easiest account to keep fee free is Freestyle checking, there is no monthly fee as long as you have eStatements enabled. There is an early account termination fee of $50 if the account is closed within 180 days.

Our Verdict

If you’re targeted then this is obviously a great deal. The real questions are:

  • Is the promo code unique? If not, can anybody open online and receive the bonus or do they have a list of addresses they sent the offer to?
  • Can anybody just go in branch and open the account and get the account without the flyer?

If anybody received this offer can you please send a copy of the offer to will@doctorofcredit.com? Thanks in advance. You can view all the bonuses we currently recommend by clicking here.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

Useful posts regarding bank bonuses:



32 Responses to [Targeted][PA & MD, OH, WV, VA & D.C. only] First National Bank (FNB) $250 Checking Promotion

  1. Frito Pendejo says:

    Sweet, per calendar year! I hope I closed the old one.

  2. Gadget says:

    No risk, no reward. I used an extremely similar “targeted” promo code back in Feb, and hopefully will be paying out in May… 91 days from opening. If and when it pays out, I will reply.

    I did the $150 Summer 2016 promo with them, and it paid out exactly 90 days from opening.

    DP: They had reduced their online credit card funding, or at least when I tried (Feb 2017)… CC funding was $50 or less, Visa/MC only. Website allows you type in any amount, but would error if you try anything beyond $50. I would assume it is still that way. CSP posted as purchase. In 2016, it was $499, US Bank FlexPerks posted as purchase.

    Also, they are a Chex pull, not EWS, not inquiry sensitive, and a little bit of a pain to deal with. You have to talk to your closest branch manager to get any sort of credit/fee reversal. I got a $37 overdrawn fee applied because I jumped the gun and setup Discover ACH before the account was fully established. Somehow the setup micro-debit posted before the micro-credits and overdrafted the $0 balance account. Sent SM and they responded the next day point-blank they were not going to refund the fee. I didn’t take “no” for an answer, and had to call like 3 times just to finally talk to a branch manager that works at the nearest branch probably 200 miles away to get the fee refunded.

    • Gadget says:

      Doc, also, I believe you are missing Virginia. In the February 2017 account opening, my account disclosures stated:

      For promotional offer codes beginning with AM250
      Promotional offer only available to residents of Pennsylvania, Ohio, West Virginia, Maryland, Virginia and the District of Columbia

      They do accept VA, as that’s where I am, and I am nowhere near a branch, MD being closest.

    • Danielle says:

      What did you use for the direct deposit requirement?

      • Don says:

        I used a work place direct deposit as I was starting a new job.

      • Gadget says:

        I used a “real DD”, but they seem like a bank that would take any ACH. Paperwork that spit out at the account opening said copyright 1992 at the very bottom. Granted, it could have been updated since then, and the opening paperwork might not be the same computer system that handles the financials, but it’s my impression.

  3. Harv says:

    The title of this article and the photograph of the offer both state a $250 bonus, yet the text of this article mentions $150. Which is correct ?

  4. Don says:

    I also opened a checking account with their Summer 2016 $150 Promotion. The bonus posted on the exact date (12-6-16) that the bank told me, without any hassle on my end (unlike US Bank which was a giant pain), and no fees on the freestyle checking. The checking account is still open. There doesn’t appear to be any 6 or 12 month language in the fine print. Assuming that I can obtain a targeted offer (reasonable chance as I live in a large apartment building less than a mile from a branch), should I close my current account very soon, wait a month, and then open a new account with the targeted offer? Thoughts?

    • Gadget says:

      Yes, bonus doesn’t have a 6 or 12 month restriction since last account… just calendar year. I was in the same boat… except I closed my account in Jan, and opened the new one in Feb. I would suggest waiting at least a statement cycle after closing the other. But, who knows… might not be needed.

  5. onsale says:

    for those who’ve opened an account and received the bonus, any intel on what will be considered a direct deposit?

  6. NBG says:

    Very YMMV – Just spoke to a banker in FNB and she said even though i didn’t have the flyer, they could open one for me if the manager approves. She said she can help. Going to try it out tmrow.

  7. Jake says:

    Can anyone confirm if this is targeted or not?

    • NBG says:

      Got my account opened in branch without mailer. When they opened they had a question on thier screen ‘is there a promotion offer/something like that”. When they said yes, it gave a bunch of drop down options. One of them was 250 offer which auto printed the code as mentioned in this post.
      So i guess, one could go to branch and open to be safe if not targeted. The banker also said he is almost positive that they don’t verify the actual address, etc. Will see what happens.

      • Chris says:

        “One of them was 250 offer which auto printed the code as mentioned in this post.”

        Do you mean the same code “AM2500417”? If yes, promo code of this offer is not unique so I can use the same one to open an account online?

        • NBG says:

          Yes, same code. I guess you could open online. Not sure of the end result though(actually getting bonus). We need DP for it.

          • Chris says:

            Hmm thank you for confirming. I might give it a shot and report back. Their freestyle checking is easy enough to be fee free.

  8. Jenny says:

    I opened an account online after getting offer in mail for the $250 promo.
    How would I know if they accept ACH as the $2500 DD? This would be easiest for me.

  9. Jenny says:

    Another question. This offers says one per household. The mate has a different surname and phone number, same address. Are we one household? Thinking of saying his address is not 1005 State like mine, but 1005 B State. The B could stand for basement where he usually lives anyway.

  10. Harv says:

    When I click on the page for Branch/ATM locator, I get a pop-up alert from AVG Antivirus Free that says “threat secured”. Threat is said to be within https://code.metalocator.com/ but when I run the antivirus scan it shows nothing. It did the same thing a couple of weeks ago.

  11. Jake says:

    I see that there’s no data points for the direct deposit. Any ideas on what might work?

  12. James says:

    It looks like you could potentially open out of state. The drop down menu has all 50 states listed.

  13. Ted says:

    I went into the branch on Heisley Road in Mentor, Ohio. I did not have a mailer but I had the promo code written down. The skittish manager would not open an account for me with the promo — she had to check with marketing. She could not get a hold of marketing on the phone. So I left without opening an account. Just FYI.

  14. Ted says:

    Update #2: I went into the branch on Route 306 in Mentor. I opened an account with the code, and the branch manager called me back a day later and said I was “not on the list” for that promotion.

    So, bottom line, you definitely have to be targeted. I won’t be doing this bonus, even though the bank is right around the corner from my office.

  15. JA_42 says:

    This bonus posted today. I was definitely was not targeted. I took the code right off DoC’s site. Used Barclays savings for DD.

  16. NBG says:

    My bonus posted as well on the 91st day. Was not targeted, but opened in branch by saying about the promo and the applied.

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