First National Bank Promotions: $350 Checking Bonus

Here are all the available First National Bank promotions and what you need to know about them; how to qualify, best bonuses currently available, when the offers expire, and more!

First National Bank (also known as FNB for short) operates in seven states and Washington, D.C. and provides a full range of consumer banking, business banking, and wealth management solutions.

Founded in 1864, it has total assets of over $44 billion dollars as of the end of 2022, making it the second largest bank based in Pennsylvania. FNB wants to continue to grow and are willing to offer sign-up bonuses to bring in new customers.

Right now for instance, FNB is offering a $350 bonus for opening up a checking account with qualifying activities.

For more current bank offers, see our bank bonuses page. The most popular offers are from Chase BankSoFi, U.S. Bank, and Axos Bank.

This post may contain affiliate links, meaning I get a commission at no cost to you if you decide to make a purchase through my links. Visit this page for more information. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

First National Bank Promotions

First National Bank has fantastic bank promotions which we’re sharing below. However, these bank bonuses and offers are only available to residents in the following areas:

  • Washington, D.C.
  • Maryland (MD)
  • North Carolina (NC)
  • Ohio (OH)
  • Pennsylvania (PA)
  • South Carolina (SC)
  • West Virginia (WV)
  • Virginia (VA)

In additional to the residential requirements, you must not have or had a First National Bank checking account in the current calendar year and can’t be an FNB employee or a member of an FNB employee household.

Ninja Update 9/30/23: The FNB offers below have expired. Please visit the main bank bonus page for other great account opening sign-up promotions.

Offer #1: First National Bank $350 Checking Bonus

Get a $350 bonus when you open a new personal checking account (Freestyle, eStyle, eStyle Plus, Lifestyle, or Premierstyle) and make qualifying electronic direct deposit(s).

How To Earn Bonus:

  1. Open any personal FNB checking account using this link.
  2. Make qualifying direct deposit(s) totaling $2,500 within 90 days of account opening.
  3. Make 15 customer-initiated debit transactions that post to your account within the 90-day period.
  4. Receive a bonus of $350 within 15 days after the 90-day period as long as your account is open and in good standing.

Offer Details

Availability: DC, MD, NC, OH, PA, SC, WV, VA
Expiration: 9/30/23
Household Limit: One
Direct Deposit Required: Yes, $2,500+ (see what counts as a direct deposit)
Soft/Hard Pull: Soft
Early Account Termination Fee: $50 if closed within 180 days of account opening

Qualifying Checking Accounts:

There are 5 eligible checking accounts that qualify for the bonus offer:

  • Freestyle Checking (recommended)
  • eStyle Checking
  • eStyle Plus Checking
  • Lifestyle Checking
  • Premierstyle Checking.

The easiest way to keep avoid fees is to open the Freestyle Checking account. It’s their basic checking account with no fees as long as you turn on eStatements.

Bonus Terms & Conditions:

  • Offer available only online at to new customers who are residents of Washington, D.C., Maryland, Ohio, Pennsylvania, North Carolina, South Carolina, Virginia and West Virginia.
  • A $50 minimum deposit is required when opening a checking account online except for the eStyle Account, which is $25.
  • Offer valid for new personal checking accounts opened from July 3, 2023, through September 30, 2023.
  • You can receive only one new checking account reward related offer per household per calendar year.
  • Existing FNB checking accounts or accounts converting to another personal checking account are not eligible for this offer.
  • Offer does not apply to multiple checking accounts.

For more information please see the First National Bank official site for terms and conditions. You can read the full terms and conditions of this offer here.

Previous Promotions

Previous Offer #1: First National Bank $600 Checking Bonus

Ninja Update: This offer has expired as of May 29, 2021 and is left here for informational and reference purposes only. The best FNB bonus now is the $350 one mentioned above.

Get up to a $600 bonus when you open a First National Bank checking account, make direct deposits totaling $2,500 or more, and initiate 15 or more debit card transactions.

  • Earn $400 for making direct deposits totaling $2,500 or more within the first 90 days after account opening AND
  • Earn $200 for initiating 15 or more debit transactions within the first 90 days after account opening

There are 4 different eligible checking accounts that you can open:

  • Freestyle Checking (recommended)
  • Lifestyle Checking
  • Mystyle Checking
  • Premierstyle Checking.

The easiest way to keep avoid fees is to open the Freestyle Checking account. It’s their basic checking account with no fees as long as you turn on eStatements.

The Bottom Line

This is a solid offer that doesn’t require signing up for the Penguins Power Play Package. Some FNB bank bonuses in the past needed this package to be added to qualify for the bonus, but the package assesses a $25 fee, eating into the net amount of your bonus.

The current offer is one I’d gladly take advantage of if I lived in one of the qualifying states. We’ll include this in the list of the best bank bonuses.

Member FDIC.

About John Pham

John Pham is a personal finance expert, serial entrepreneur, and founder of The Money Ninja. He has also been fortunate enough to have appeared in the New York Times, Boston Globe, and U.S. News & World Report. John has a B.S. in Entrepreneurship and a Masters in Business Administration, both from the University of New Hampshire.

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No Luck
No Luck
1 year ago

When I look at their website, it does show state restrictions. Virginia is just one of the states listed, which is why it worked for Gadget.

“Offer available in the following states: PA, NC, SC, VA, DC, MD, OH, WV”

Alas, I don’t live in one of those, so I guess I’m out of luck.

Also, your link in the post wasn’t working for me so I had to Google it.

1 year ago


What are all comes with “Penguins Power Play Package”.

Did they provide credit card with the package while opening checking account?

1 year ago

I signed up online here in NC and my account was closed and my initial deposit from my debit card was dropped after showing pending for several days. Went to my local branch and they said they could not find my account and mentioned that the Penguin package was not a promotion available in NC.

Rick James
Rick James
2 years ago

01/08/22: Opened account
02/18/22: Real direct deposit of $2492
03/04/22: Real direct deposit of $20
01/25/22 – 02/08/22: 10 x $1 Bill Pays to electric bill
04/13/22: $400 bonus posted as “Promotional Reward PEN4000121”

1 year ago

VA resident. No state restrictions were mentioned on this promo offer PDF which is provided when opening online as part of your disclosures.

Applied for Penguins Package Checking online. Acct approved 4/15.
Does pull Chex. Inquirer: F.N.B. CORPORATION; 4140 EAST STATE STREET, HERMITAGE, PA 16148
Funded $100 to new account with Citi DoubleCash, posted as purchase “Apr 15, 2022 FIRST NATIONAL BANK 800-555-5455 PA”
Transferred money from Capital One 360 bank account, posted as CAPITAL ONE N.A. CAPITALONE $2501 ACH Deposit (no where does it show as direct deposit)
5/27/2002 to 6/6/2022
Made 10 Bill Pays to a few different credit cards
Posted transaction activity “PENGUINS PACKAGE ANNUAL FEE” -$25
Posted transaction activity “Promotional Reward PEN4000121” $400

Per terms, the bonus should have been posted 7/28/22, so it was nearly two full weeks late. I did not contact the bank and just waited. I will close the acct at the 6-month mark to avoid the potential ETF, even though they probably wouldn’t assess it if closing with a zero balance.