(NY, NJ, PA, CT, or DE) First Commerce Bank $500 Checking Bonus, No Direct Deposit Required

Offer at a glance

• Maximum bonus amount:500 dollars
• Availability:Resident of NY, NJ, PA, CT or DE
• Direct deposit required: No. The terms say “an ACH credit or ACH debit of $2,500 or more”
• Additional requirements:Yes, see below
• Hard/soft pull:Unknown
• ChexSystems: Unknown, not sensitive
• Credit card financing:Unknown
• Monthly fees:$15, avoidable
• Early account closure fee:None listed?
• Family boundary:None listed
• Expiration date:June 14, 2026

Offers

Direct link to the offer

• First Commerce Bank offers a $500 bonus when you open a new Freedom checking account and meet the following requirements:
  • Open online with a minimum balance of $25.00
  • Register in eDeclaration
  • Receive and post and clear an ACH credit or ACH debit of $2,500 or more
  • Open a Freedom Money Market online with a minimum of $1,000.00
• Alternatively, you can do it without Freedom Money Market. Open Freedom Check and complete the following requirements:
  • Open online with a minimum of $100.00
  • Register in eDeclaration
  • Get an ACH credit of $2,500 or more
  • Complete an ACH Debit or Bill Pay transaction
  • Make 25 point-of-sale transactions using your FCB Debit Card
  • First Order Special Liberty Checks (20)

Fine Press

• Freedom Checking Account must be opened online, enrolled in eStatements, receive and post and clear 1 ACH credit or ACH debit in the amount of $2,500.00 and must open an online Freedom Money Market account.
• Both Freedom Checking and Freedom Money Market accounts must remain open and in good standing for the full 90-day qualifying period.
• The $500.00 bonus will be paid within 30 calendar days after the 90-day qualifying period ends.
• Promotion valid for accounts opened from 27 April 2026 to 14 June 2026. See Account Agreement for full bonus terms and conditions. Other restrictions may apply. This account also offers an ATM surcharge rebate when certain qualifications are met during the statement cycle. The monthly qualifications to receive this discount are (1) Enroll in eStatements (2) Receive an ACH credit or debit in the amount of $2,500.00 or more (3) Maintain a Freedom Money Market account.
• All qualifying transactions must post and clear the account before the end of each statement cycle to qualify for the reward.
• This surcharge deduction will continue after the promotion and qualification periods if you continue to meet the required qualifications each monthly statement cycle.
• Freedom Checking is a non-interest bearing account.
• All bank account bonuses are treated as income/interest and as such you must pay tax on them

Avoidance of fees

Monthly fees

• I don’t think Freedom Check has a monthly fee?
• Freedom Money Market has a monthly fee of $15, charged if the daily balance on any day of the statement cycle falls below $25,000.00

Early account termination fee

I didn’t see any mention of an EATF in the fee schedule.

Our verdict

Can’t see this lasting long as it looks like approvals are being done manually. Most people will want to do the bonus without the money market account as it is difficult to keep it free.

Hat tip to the reader BelgianMich

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