ACNB Bank's $200 Checking Bonus: A Solid Offer for Pennsylvania and Maryland Residents

If you're in Pennsylvania or Maryland and looking for a straightforward bank bonus, ACNB Bank has a promotion worth a closer look. They're offering $200 for opening a new checking account, but as with any bank offer, the devil is in the details. Let's break down whether this deal makes sense for you, how to get the cash, and what pitfalls to avoid.

Who is ACNB Bank, Anyway?

Before you jump in, it helps to know who you're banking with. ACNB is a community bank with deep roots, founded back in 1857 and based in Gettysburg, Pennsylvania. They have a physical presence with branches in both Pennsylvania and Maryland (the latter through their NWSB division).

This is important context: their promotions are clearly geared toward attracting local customers who might use their branches. If you're not in their service area, this offer probably isn't for you. Also, a quick note: while their checking bonuses can be attractive, they aren't known for competitive savings or CD rates. Think of them for your everyday checking needs, not as a place to park your long-term savings.

The Step-by-Step Path to Your $200

Getting the bonus isn't just about opening an account. You have a checklist to complete within 60 days. Miss one step, and you likely miss the cash.

• Open an eligible checking account online using the promo code 'Pumpkin2025' or at a local branch.
• Set up online banking and log in.
• Enroll in electronic documents (eDocuments).
• Get a Mastercard debit card for the account and use it to make 10 separate purchases. Each must be at least $20.
• Set up recurring direct deposits totaling $500 or more. Crucially, only Social Security, pension, or payroll deposits qualify. Transfers from another bank or apps like Venmo likely won't count.

Read the Fine Print Before You Commit

Here's where you need to pay close attention. The requirements have some specific quirks that could trip you up.

First, the direct deposit rule is strict. It must be a recurring deposit from one of the three approved sources. If your income doesn't come in that form, you won't meet the requirement.

Second, the 10 debit transactions need to be 'unique' and post for $20 or more. Planning ten $20 Amazon reloads? Make sure the bank's system codes them as separate merchant transactions. It might take a couple of days for transactions to clear, so don't cut it too close to the 60-day deadline.

Also, this offer is not for existing ACNB customers or anyone who has closed an account with them in the past year. It's strictly for new relationships. The bonus will be reported on a 1099-INT, so remember it's taxable income.

Is This Bonus Right For You?

This is a solid, mid-tier checking bonus. The $200 is a nice chunk of change for the effort, especially if you can naturally meet the direct deposit requirement.

It's an excellent fit if you live in PA or MD, want a local bank with branches, and your regular income (like a paycheck) can be directed there. The 10 debit card purchases are easy enough to knock out with regular grocery or gas spending.

However, if you're a bonus chaser living outside their region, or if your income doesn't come as a traditional payroll deposit, you should probably look elsewhere. The hoops are a bit too specific to jump through otherwise.

Bottom Line

• A great $200 offer for new customers in Pennsylvania and Maryland.
• The direct deposit requirement is narrow (payroll, pension, or Social Security only).
• Plan your 10 debit card transactions of $20+ carefully to ensure they post in time.
• The bonus is taxable income, so expect a 1099-INT form.

Common Questions