ACNB $1,000–$3,000 Business Savings Bonus (13.7%–22.8% Effective APY) - 2026 Review
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- Bonus tiers
- $1,000 for a $10,000+ deposit
- $2,000 for a $25,000+ deposit
- $3,000 for a $50,000+ deposit
- $10,000 balance required. We have not confirmed yet whether this is measured as an average or as a daily minimum
- Enroll in e-statements (go paperless)
- Enroll in digital / online banking
- Enter promo code Earn3000 when you apply
- Availability: PA, MD
- No stated lifetime limit
- Monthly fee: $0
- No early-closure rule listed
- Funding window: 60 days
- Maintenance/hold period: 90 days
- Total practical hold: ~160 days
Bonus Tiers & Effective APY
Overview
ACNB currently offers up to $3,000 through its business savings promotion. The headline tier requires $50,000 and keeps the funds committed for roughly 160 days. That is approximately 13.7% annualized before tax and opportunity-cost adjustments.
Pros
Cons
Notes
Complete 10 debit card transactions within 60 days, each for $75 or more and each to a different payee and keep the account in good standing until the reward posts. Confirm that purchases or transactions are eligible before relying on them.
How This Compares to Other Bonuses
ACNB's $3,000 headline payout is closest to Citi's $2,000 offer. Compare the required capital, holding time, account fees, and base interest, not only the bonus.
Frequently Asked Questions
What is the current ACNB promotion?
ACNB currently offers up to $3,000. The headline requirement is 10 debit card transactions within 60 days, each for $75 or more and each to a different payee.
How much money is required for the ACNB bonus?
The highest advertised payout currently requires $50,000. Lower tiers may require less; review the tier table on this page.
How long is the money committed?
Plan on approximately 160 days including funding, maintenance, settlement, and a practical payout buffer.
Eligibility
Use promo code Earn3000 and open in a branch, which is required even if you start the application online. PA and MD only, and readers report being turned down for living more than about 30 miles from a branch. Existing or recent ACNB or Traditions Bank business checking customers are excluded for 12 months. Trust, estate and government accounts are excluded. One bonus per entity, up to three entities under common ownership. Enroll in online banking with eDocuments within 60 days.
Fees
Apply
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Sources (2)
We last checked this against the bank's page on September 8, 2026.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Stacks OS also tells you which bonus to do next for YOUR paycheck.
What actually counts as a direct deposit at 53 banks. Fidelity, Schwab, ACH pushes, all in one printable table, verified.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.