First Commonwealth Bank $400 Checking Account Bonus (2026) - Review & Requirements
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Overview
First Commonwealth Bank is currently offering a $400 checking bonus. The qualifying activity is 10 debit-card transactions. The account has a $5 monthly fee; review the waiver terms before applying.
Who This Checking Bonus Is Best For
Applicants who can complete the listed activity on time and who meet the bank's geographic and prior-customer restrictions.
How to Maximize This Bonus
Enter promo code FCB400 during application. Open a new Hometown Checking Plus or Hometown Checking Premium account by July 31, 2026 using promo code FCB400, order a debit card and complete 10 or more qualifying debit card purchases that post and clear within 60 days of opening, then complete $2,000 or more in cumulative deposits within 60 days of opening. That earns $400. Opening any other personal checking account and doing just the 10 debit card purchases earns $200 instead. No direct deposit is required, and the deposits have to be money that is new to the bank. Apply online. Keep the account open and in good standing until the bonus posts.
Pros
Cons
How This Compares to Other Bonuses
First Commonwealth Bank's $400 offer is closest in headline value to PNC Bank's $400 checking bonus. Compare the direct-deposit requirement, geographic eligibility, fees, approval sensitivity, and payout timing, not only the advertised amount.
Frequently Asked Questions
What is the current First Commonwealth Bank checking bonus?
First Commonwealth Bank currently advertises $400. The principal requirement is 10 debit-card transactions.
Does the First Commonwealth Bank bonus require direct deposit?
No qualifying direct deposit is currently listed; complete the alternative activity shown in the official terms.
When should the First Commonwealth Bank bonus post?
The bank does not provide a dependable posting estimate in our current record, so keep the account open until payment arrives.
Full Requirements
Open a new Hometown Checking Plus or Hometown Checking Premium account by July 31, 2026 using promo code FCB400, order a debit card and complete 10 or more qualifying debit card purchases that post and clear within 60 days of opening, then complete $2,000 or more in cumulative deposits within 60 days of opening. That earns $400. Opening any other personal checking account and doing just the 10 debit card purchases earns $200 instead. No direct deposit is required, and the deposits have to be money that is new to the bank. Apply online.
Fees
The $5 monthly service charge is waived when you complete 5 or more customer initiated transactions during the statement cycle.
ChexSystems & Credit Pull
ChexSystems / credit-pull policy not officially stated.
Eligibility
Available to customers who live in First Commonwealth Bank's markets: Pennsylvania, Ohio, Indiana, Kentucky and West Virginia. Opening online is only available to residents of PA, OH and select KY ZIP codes, and the online application checks your ZIP on the first page; everyone else opens in person or by phone at 844.711.2265. One checking reward per customer. You are not eligible if any owner on the new account already had a First Commonwealth personal checking account opened before this one, or was paid a First Commonwealth promotional credit on a personal checking account in the past 12 months. Qualifying deposits are funds new to the bank, including transfers from another institution, in person and ATM deposits, and mobile or remote deposit capture. Accounts opened between June 1 and July 31, 2026 have the reward deposited by October 15, 2026. The minimum to open any Hometown Checking account is $50. Offer ends July 31, 2026.
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Sources (3)
We last checked this against the bank's page on August 16, 2026.
Historical Promotions
The current $400 is the highest we've tracked since August 2025.
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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.