DOC Compass — Offers, decoded

Deal has ended, view more bank account bonuses by clicking here.

Might also be available in AZ, AR, and NM?

Offer at a glance

Maximum bonus amount: $300
Availability: TX only
Direct deposit required: Yes, $2,500+ within 60 days of account opening
Additional requirements: Use promo code
Hard/soft pull: Soft pull
ChexSystems: No. Not sensitive
Credit card funding: None
Monthly fees: $12, avoidable
Early account termination fee: None listed
Household limit: None listed
Expiration date: 9/15/2026

The Offer

Direct link to offer

First National Bank Texas is offering a $300 bonus when you open a new power checking account and complete the following requirements:
- Use promo code MC300
- Receive $2,500 or more in qualifying direct deposits within the first 60 banking days after account opening

The Fine Print

The bonus of $300 will be credited to your new Power Account as long as the Account has completed the Qualifying Activities as stated.
To qualify for the bonus of $300 you must complete all of the following: 1) Open a new Power Account, 2) account must be opened online using the promo code MC300, 3) eligible ACH Direct Deposit(s) are credited to your new Power Account of a combined amount of $2,500 within 60 banking days of account opening.
The Bank will credit your new Power Account in the amount of $300 at 120 banking days from the account opening. Account must be in good standing when the $300 credit is applied.
Accounts with a sustained negative balance or a zero balance will be ineligible to qualify as an account in good standing.
The amount of the $300 bonus will be reported to the Internal Revenue Service (IRS).
Customers without a Social Security Number or Taxpayer Identification Number are not eligible to receive the bonus.
New customers with an existing checking account relationship are ineligible to receive the bonus.
This offer is valid from July 15, 2026 to September 15, 2026.
However, the bank reserves the right to cancel or change this offer at any time and for any reason.
This offer cannot be combined with any other consumer deposit offer (limit one bonus per account).
Offer cannot be reproduced, purchased, sold, transferred, or traded. If the offer is changed or discontinued, it will be noted on our website at https://1stnb.com/mc-mail.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

This account has a $12 monthly fee, this is waived with any of the following:

Maintain a balance of $500 or more each day
Have a total of $500 in monthly deposits reflect on your monthly statement (Internal transfers from other FNBT/FCB or FHNB accounts, Internet Banking transfers, and refunds from the Bank do not qualify as deposits for waiving the Monthly Maintenance Fee),
Have 12 debit card purchases that reflect on your monthly statement as POS (Point-of-Sale) transactions. (ATM transactions and person-toperson payments through third party apps do not count towards the 12 debit card purchases)
Be age 60 or older.

Early Account Termination Fee

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

Our Verdict

~~Not to be confused with First National Bank of Texas~~ Update: untrue. Seems like a relatively easy bonus and always nice when you can sneak in a bonus without a Chexsystems inquiry (or at least they will approve if your report is frozen). Will add this to our list of the best bank account bonuses.

Hat tip to reader Robert Fanshaw

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