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First Commonwealth Bank $200 Bonus

Personal Checking Account

Expires: March 31, 20262 states
Last verified: January 1, 2026View official bank terms →

Bonus Amount

$200

Apply Now

Direct Deposit

Not Required ✓

Time to Qualify

60 days

Payout Time

60 days

💡 Quick Answers

Who qualifies?

New customers only. No First Commonwealth Bank account in past 12 months. Available in 2 states.

Fastest way to earn

Complete requirements in 60 days. Bonus arrives within 60 days after qualifying.

Key requirements

  • 10 debit transactions
  • • Deposit $50 within 30 days

Fees & gotchas

  • $5/mo fee (waivable)
  • • No early closure fee ✓

Is it worth it?

$200 bonus with no fees to worry about. Full bonus value! Requirements are straightforward—good for bonus beginners.

🧮 Calculate your personalized net value →

How to Qualify

  1. 1Open a new personal checking account in person, by phone, or online using promo code FCB2026
  2. 2Order a debit card
  3. 3Complete 10 or more qualifying debit card purchases within 60 days of account opening

📅 Timeline

Day 1

Open Account

Open a new Personal Checking Account account with $50 minimum deposit

Within 60 days

Debit Transactions

Make 10 debit purchases

60-60 days after qualifying

Receive Bonus

Bonus credited to your account

💵 Fees & How to Avoid Them

Monthly Fee$5 (waivable)

$5 monthly service charge waived when you complete 5 or more customer-initiated transactions during the statement cycle

💡 This fee can be waived - check bank requirements

Early Closure Fee$0 ✓

⚠️ Things to Watch Out For

  • New customers only - existing customers do not qualify
  • Cannot have had account in past 12 months
  • Promo code required at account opening

You Won't Qualify If...

  • You currently have or previously had an account with this bank
  • You had an account with this bank in the past 12 months
  • You have any existing account with this bank
  • You don't live in: OH, PA

📍 Available States

OHPA

First Commonwealth Bank operates in Pennsylvania and Ohio (branch locations page).

Ready to Earn $200?

Click below to apply directly on First Commonwealth Bank's website.

Apply for First Commonwealth Bank Bonus

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