First National Bank Texas $300 Checking Account Bonus (2026) - Review & Requirements
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- Direct deposit: $2,500 in qualifying direct deposits
- Deposit window: 60 days
- Enter the offer's promo code when you apply
- Availability: TX
- Lifetime limit: one bonus per customer
- ChexSystems sensitivity: Low
- Credit pull: soft pull only
- Monthly fee: $12/mo — Waived with any of: maintain $500+ daily balance, $500+ in monthly deposits, 12+ debit card POS purchases per month, or age 60+
- No early-closure rule listed
- Bonus posts: ~168 days
What Counts as Direct Deposit
2 reports across 1 source. Last report Aug 18, 2026. Doctor of Credit comments 2.
Employer payroll is always the safest method. "Maybe" means some people report it working and it is not guaranteed. Open a row to see the individual reports.
First National Bank Texas offers $300 when you open a Power Checking account with promo code MC300 and receive $2,500+ in direct deposits within 60 banking days. Source
The reports come from Doctor of Credit comment threads, public Reddit posts, and members who told us what happened to their own deposit. Each one is dated where the person gave a date. Read how we check offers.
Reports are attached to the offer, never to your name. Members can log one from their account instead.
Overview
First National Bank Texas is currently offering a $300 checking bonus. The core requirement is $2,500 in qualifying direct deposits within 60 days. The account has a $12 monthly fee; review the waiver terms before applying.
Pros
Cons
Notes
Receive $2,500+ in direct deposits within 60 days. Allow approximately 168 days for the bonus to post after qualification.
How This Compares to Other Bonuses
First National Bank Texas's $300 offer is closest in headline value to American Express's $300 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 National Bank Texas checking bonus?
First National Bank Texas currently advertises $300. The principal requirement is $2,500 in qualifying direct deposits within 60 days.
Does the First National Bank Texas bonus require direct deposit?
Yes. The catalog currently records $2,500 in qualifying direct deposits within 60 days. Confirm the bank's exact definition before applying.
When should the First National Bank Texas bonus post?
The tracked estimate is about 168 days after you satisfy the requirements.
Full Requirements
Must use promo code MC300 when opening account online
Fees
Waived with any of: maintain $500+ daily balance, $500+ in monthly deposits, 12+ debit card POS purchases per month, or age 60+
ChexSystems & Credit Pull
No ChexSystems inquiry; will approve with frozen ChexSystems report
Eligibility
New customers only (cannot have existing checking account relationship). May also be available in AZ, AR, NM but only TX is confirmed. Must have SSN or TIN.
Apply
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Sources (2)
We last checked this against the bank's page on October 6, 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.
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.