First Commonwealth Bank $400 Checking Account Bonus (2026) - Review & Requirements
Overview
First Commonwealth Bank offers $400 for just 10 debit purchases within 60 days — no direct deposit required. Available in six states across the Midwest and Mid-Atlantic. Expires July 31, 2026.
Who This Checking Bonus Is Best For
People in IN, KY, NJ, OH, PA, or WV who want a strong $400 bonus without changing their direct deposit.
How to Maximize This Bonus
Open a new checking account and make 10 debit card purchases within 60 days. Use the card for everyday spending like coffee and groceries to hit the requirement quickly.
Pros
Cons
How This Compares to Other Bonuses
One of the best no-DD bonuses available. At $400 for just 10 debit purchases, it beats most debit-only bonuses like Quad City B&T ($300 for 3 purchases).
Frequently Asked Questions
Which states can open a First Commonwealth account?
IN, KY, NJ, OH, PA, and WV.
Full Requirements
Open new checking and make 10 debit purchases within 60 days. No direct deposit required. Expires July 31, 2026.
Fees
No monthly fee.
ChexSystems & Credit Pull
Low ChexSystems sensitivity.
Eligibility
Available in IN, KY, NJ, OH, PA, WV. New checking customers only. Expires July 31, 2026.
Apply
Open Account →Affiliate disclosure: Fat Stacks Academy may earn a commission if you open an account through this link, at no additional cost to you.
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
Subscribe on YouTube →Comments (0)
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.