First Commonwealth Bank Bonus: $400 Checking Offer [PA, OH, IN, KY, WV] – Ends 7/31/26

If you’re looking for a straightforward bank bonus with flexible requirements, the First Commonwealth Bank $400 checking bonus is a solid offer to consider.

This promotion allows you to earn up to $400 by opening a qualifying checking account and completing simple activities like debit card usage and deposits—no complicated hoops required.

The offer is only available locally. If you’re looking for offers available nationwide, check out our top picks here—including huge offers from Chase, CIT Bank and Axos Bank that you won’t want to miss!

See the Posts History below for all offers from this institution.

Offer Details

• What you’ll get: $400
• Where it’s available: PA, OH, IN, KY, or WV
• When it expires: 7/31/26

To earn the full $400 bonus, follow these steps:

1. Open a qualifying checking account
   • Use promo code FCB400 at account opening
   • Eligible accounts include Hometown Checking Plus or Premium
2. Make 10 debit card purchases
   • Must be completed within 60 days
   • Includes everyday purchases and online transactions
3. Deposit at least $2,000
   • Must be completed within 60 days of account opening
   • Deposits can come from external transfers, mobile deposits, or cash

If you only complete the debit card requirement (without the $2,000 deposit), you can still earn a $200 bonus.

READ MORE: GET TOP BONUSES FROM CHASE, AXOS, AND CIT.

Checking Account Options

First Commonwealth offers several checking account options depending on your needs:

Confidence Checking

• No overdraft fees ever
• No minimum balance requirements
• $5 monthly fee (waivable with activity)

Hometown Checking

• Simple, low-cost account
• $2 monthly fee (waived with eStatements)

Hometown Checking Plus

• Tiered interest rates
• Partial ATM fee reimbursements
• $10 monthly fee (waivable with deposits or balances)

Hometown Checking Premium

• Higher-tier benefits and interest
• Unlimited ATM fee reimbursements
• $15 monthly fee (waivable with higher balances or deposits)

Account Features

All First Commonwealth checking accounts include:

• Access to 55,000+ fee-free ATMs
• Mobile banking and budgeting tools
• Identity protection services
• Debit card with contactless payments

Important Terms to Know

• Must be a new checking customer (no bonus received in past 12 months)
• Offer limited to one bonus per customer
• Account must remain open and in good standing
• Bonus may be reported as taxable income (1099)
• Minimum opening deposit is typically $50 for most accounts

See the Best Checking & Savings Account Bonuses and Start Earning Free Cash Today

Is This Bonus Worth It?

This is a strong mid-to-high tier bonus with relatively easy requirements.

Pros

• No direct deposit required
• Flexible deposit options (not limited to payroll)
• Option to earn a partial $200 bonus

Cons

• Requires $2,000 in deposits for full bonus
• Limited to certain states
• Monthly fees on some accounts (though waivable)

Final Thoughts

The First Commonwealth Bank $400 bonus stands out because it doesn’t require direct deposit, which is rare for bonuses in this range.

If you can meet the deposit requirement and complete a few debit card transactions, this is a simple and flexible way to earn up to $400.

For those in eligible states, it’s one of the easier bank bonuses currently available—especially compared to offers that require strict payroll setup or ongoing balance requirements.

Posts History:

• First Commonwealth Bank: $500 Business Bonus [PA, OH, IN, KY, or WV] – Ends 5/26/26
• First Commonwealth Bank Is Running A $1,000 Sweepstakes [PA] – Ended

READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.