Update 9/26/26: Deal is back and is now $200-$600 but does require a direct deposit. Hat tip to reader Amos
Update 10/11/25: Bonus now $200 instead of $400 and good through 11/30/25. Hat tip to reader JD
Offer at a glance
- Maximum bonus amount: $400
- Availability: PA/MD only only, have to go in branch even if you open online. Branch locator here for PA & here for MD. Must live close to a branch as well, one report of being denied and being within 30 miles.
- Direct deposit required: Optional
- Additional requirements: See below
- Hard/soft pull: Soft
- ChexSystems: Doesn’t pull
- Credit card funding: None
- Monthly fees: $0-$9.95, avoidable
- Early account termination fee: $30, 180 days
- Household limit: One
- Expiration date: 12/31/24
The Offer
- ACNB is offering a $200-$600 bonus when you open a new checking account and complete the following requirements:
- Establish and log into Online Banking
- Enroll in eDocuments
- Establish a Mastercard® debit card and conduct 10 unique transactions per statement cycle. Each transaction must be valued at $20 or more, unique, and made to a different payee. It may take more than two days for a transaction to post and clear. ATM transactions, cash advances, returns, credits, and person-to-person payment transactions do not qualify.
- Maintain a minimum average monthly balance of $2,500 for three full consecutive statement cycles following account opening.
- Establish recurring monthly direct deposits limited to payroll, Social Security, or qualified retirement plan distributions. Earn $200 when you establish direct deposit totaling $2,000 per month; earn $400 when you establish direct deposits of $4,000; earn $600 when you establish direct deposits of $6,000 or more. Monthly direct deposit qualifications will be reviewed for three consecutive statement cycles.
The Fine Print
- ffer valid 11/1/24 through 12/31/24. Offer may be modified or discontinued without notice. $400 Cash Gift: Offer does not apply to existing ACNB Bank personal checking account customers, owners or those with signing authority on any other ACNB personal checking account or those who closed a checking account within the last 12 months.
- The $400 gift is deposited after completing the following steps within the first 60 days of opening a new Advantage Rewards Plus Checking Account or Advantage Rewards Checking Account (1) Establish and log into Online Banking (2) Enroll in eDocuments and (3) Establish a Mastercard® debit card and conduct 10 unique transactions. Opening a Basic Checking account: (1) Establish and log into Online Banking (2) Enroll in eDocuments (3) Establish $500 or more in reoccurring direct deposits limited to Social Security, pension or payroll within the first 60 days of opening the checking account and (4) Establish a Mastercard® debit card and conduct 10 unique transactions.
- It may take more than two days for a transaction to post and clear.
- Gift will be deposited in the new account after steps have been verified.
- Customer may be subject to 1099 INT reporting.
- Limit of one $400 gift per account and per household address.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
- Basic checking has no monthly fee, but requires direct deposit for the bonus
- Advantage rewards checking has a $7.95 monthly fee that cannot be waived
- Advantage rewards plus checking has a $9.95 monthly fee with a $2,500 average daily balance
Early Account Termination Fee
$30 if closed within 180 days of opening
Our Verdict
Very strict on account opening unfortunately. Worth it if you can get the account opened though.
Hat tip to Grateful
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
- Affiliate Links & Bank Bonuses – We Won’t Be Using Them
- Complete List Of Ways To Close Bank Accounts At Each Bank
- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
William Charles early closure fee from the fee schedule is $30 if closed within 180 days of opening
Right. I’d guess they specifically tailored that requirement after looking at lists of transactions on accounts that resulted in bonus payout with no ongoing activity afterwards.
these requirements are oddly specific
The PA branches are all in Gettysburg / York area. Nothing near philly or pittsburgh
The terms have changed since then. I got the business bonus months ago under the original terms.
My Amazon reloads … Lol
I don’t think so, look at the “different payee” language
What a unique requirement!!! “Each transaction must be valued at $20 or more, unique, and made to a different payee” Same for their biz offer, “ make 10 unique transactions within 60 days. Each transaction must be valued at $75 or more and made to a distinct payee.” They definitely know about us and don’t want people like us.
JD Wow, this is a huge bonus. Great find! Just pasting their full list of requirements here so that others don’t miss it. (1) Establish and log into Online Banking and enroll in eDocuments; (2) Establish a Mastercard® debit card and conduct 10 unique transactions (3) maintain the minimum average monthly balance requirement for the 3 consecutive months following the first statement cycle I guess the most efficient way to do this is to be sure you find out exactly which day the first statement cycle ends and push the funds in just prior. As for the debit card transactions, it has no stipulations for what kind of transaction so should be easy with 10 PayPal reloads.
$2000 biz checking bonus for 3-month 25k balance, or $1000 for 10k. In branch or possibly phone/virtual appt. https://www.acnb.com/earn2000 William Charles
10 debit card transactions minimum $20 each
Hopefully they will have one for January. I closed my Traditions then and now since ACNB and Traditions combined T&C mention that you cant have either for 12 months.
$200 checking bonus, exp. 11/30 https://www.acnb.com/PumpkinSpice Limit one per household, but last year they immediately followed with a similar offer that expired 12/31.
Convoluted but eventually successful in footprint DP: 12/20 tried to open a basic account online, got an email that I had to have an in person meeting 12/26 had in person meeting, opened basic acc with cash deposit 1/3, 1/17, 1/31: real DD of $500 each 2/1-2/10: did 10 unique debit card transactions online 3/21: sent secure message inquiring about bonus, got a response indicating that I didnt have recurring monthly transactions (since all my deposits ended up going through in January, by coincidence). I sent back a message stating that the term monthly didn’t appear in the bonus terms and asked to escalate it to a supervisor. 3/24: $400 bonus awarded
I heard back from them. They are denying based on this “One of the requirements to receive the $400 was for there to be a reoccurring direct deposit into this account. There was only 1 direct deposit into this account, so you would not qualify for that $400 bonus.” I have kindly requested them to reconsider that and escalate it because my interpretation didn’t account for more than 1 direct deposit needs to happen.
Yep, did both.
Did you also enroll for eDocuments and do the 10 debit transactions? I used an employer’s DD, but usually a Chase Business ACH is considered the same.
well, looks like something’s wrong with mine then cos I met terms by 1/22/25. Used chase biz payroll to send myself ‘DD’ which is pretty robust in counting as DD. I also did Traditions bank bonus, which may be is creating conflict with this bonus as they have merged but still operating individually.
Mine was 2 days after all requirements were met. It posted on a Wednesday. It was right about a month since I opened the account. By the way, I tried to call and close it immediately after, but the rep said there was an early termination fee so I’m just going to wait until the 6 month mark and then close without a fee. I didn’t recall seeing a fee I the schedule but not worth fighting over anything.
Anybody have more DP when bonus hit your account?
which account version did you open? I did basic checking and completed my 10 debit by 1/22. Also did DD from chase biz payroll in end of Dec, which is pretty solid for DD req. I have yet to see the bonus.
Some more date points: I completed the 10 debit card transactions on December 4th. The bonus posted on January 2nd. It posted before any monthly fee for the Advantage Rewards Checking account was charged. I was then able to downgrade to Basic Checking by calling in to avoid any monthly fees going forward. I will keep the account open for 180 days to avoid the early termination fee.
I had the same experience as you – all online, no problem.
I was able to open in branch. They do a chex inquiry.
Which checking account did you open?
Looks like it is one per household so only P1 can do, correct?
The basic checking with no account fee
Approved but it took a few days after applying. I do live 10 miles from a branch though so I expected approval. Credit card funding allowed up to $1000. Used Chase biz card for $950 deposit and it coded as purchase.
Which account did you try to open? I was able to open my account all online
Some updated data points: First applied on 11/18 and funded with a US bank business card with cash advance turned off, but the application was rejected due to a “funding error.” I applied again on 11/20 and funded with a bank account. The application was approved, and it took a few days to verify the bank account deposits for the actual account to be opened. It is now fully opened. All was done online; no need to visit the bank. Some additional details: I applied for the advantage rewards checking. I live a little under 30 miles from the closest branch. Fee schedule includes a $30 early termination fee if closed within 180 days.