[PA & MD only] ACNB $200 Checking bonus, Direct Deposit Optional

· Credit · By ReportWire

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:
  • Household limit: One
  • Expiration date: 12/31/24

The Offer

Direct link to offer

  • ACNB is offering a $400 bonus when you open a new checking account and complete the following requirements:
    • Open a NEW checking account online, add the code ‘earn400’ in the special offer promo code box. Choose from:
      • Advantage Rewards Plus Checking,
      • Advantage Rewards Checking, or
      • Basic Checking account with $500 in total qualifying recurring direct deposits (pension, payroll, or social security) within the first 60 days.
    • Enroll in online banking with eDocuments.
    • Establish a Mastercard® debit card and make 10 unique transactions within the first 60 days.

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

I wasn’t able to find an EATF in the fee schedule.

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:

William Charles

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