Update 3/22/26: The new $400 bonus is valid until May 31, 2026. Hat tip to the reader Bockrr
Postponed until 31.12.2025
Update 9/8/25: Offer valid until 10/31/2025. Hat tip to the reader snail
Offer at a glance
- Maximum bonus amount: 300 dollars
- Availability: PA, NJ
- Direct deposit required: OPTIONAL
- Additional requirements: Unknown
- Hard/soft pull: Gentle pull
- ChexSystems: yes
- Credit card financing: Up to $500
- Monthly fees: ANY
- Early account closure fee: $20, 90 days
- Family boundary: None listed
- Expiration date: 31.12.2023
Offers
- First Commonwealth Federal Credit Union offers a $400 checking bonus when you open a new checking account and meet the requirements below
- Sign up for digital banking
- Deposit $1,000 in 60 days of account opening or sign up for direct deposit.
Fine Press
- Summary of the offer:
This promotional offer is available to eligible new members who open a Cashback Checking account and meet all eligibility requirements as described below. Eligible participants can earn a $400 bonus, which will be deposited into their cashback checking account after all requirements are met. The offer runs from March 2, 2026 to May 31, 2026.Eligibility:
– Offer is available for new members only.
– To be considered a new member, the individual must not have had an ownership interest in any account or membership with First Commonwealth Federal Credit Union within the previous six (6) months prior to opening the Cashback Checking account.
– Regular share (to create membership) and cashback account must be opened on the same day.
– Existing members and individuals who have closed an account or membership within the last six (6) months are not eligible.
– One bonus per member. Limit one promotional bonus per individual, regardless of the number of accounts opened.Qualifying account:
– Account must be a cashback checking account opened during the promotional period.
– The account must remain open, active and in good standing until the bonus payout date.
– All standard membership and account opening requirements apply.Bonus payment
– The $400 bonus will be credited to the qualifying Cashback Checking account within the first two (2) weeks of the month, approximately thirty (30) days after all requirements have been met.
– The bonus will be deposited directly into the Cashback Checking account.
– Bonus may be reported on IRS Form 1099-INT or other applicable tax reporting forms. Member is responsible for any applicable taxes.
– Bonus payment will be made to the primary member.
– The bonus payment will only be made if the member has used the code EARN400 when opening the account.
– Prime member must be registered in Digital Banking to receive bonus payment.Account Status and Disqualification
– The account must be open and in good standing at the time of bonus payment.
– Accounts that are closed, restricted, charged or not in good standing prior to payment will forfeit the bonus.
– First Commonwealth Federal Credit Union reserves the right to disqualify participants who appear to be tampering with or abusing the promotion.General Conditions
– This offer may be changed, suspended or terminated at any time without notice.
– The promotion lasts from March 2, 2026 to May 31, 2026.
– The member must be at least 18 years old at the time of account opening.
– The offer cannot be combined with other current account promotions, unless expressly stated.
– Employees, volunteers and immediate family members of First Commonwealth Federal Credit Union may be excluded from eligibility.
– All decisions regarding eligibility, eligibility and payment shall be made by First Commonwealth Federal Credit Union and are final.
– Membership qualification required.
– Federally insured by NCUA. - All bank account bonuses are treated as income/interest and as such you must pay tax on them
Avoidance of fees
Monthly fees
The value checking account has no monthly fees to worry about.
Early account termination fee
According to fee schedule there is a $20 fee if closed within 90 days of account opening.
Our verdict
Easier requirements than last time and the bonus is an additional $50. This is a very good bonus with very easy requirements. I would recommend signing up as soon as possible as I can see this getting pulled early.
Hats off to him Bockrr
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