ACNB Bank
ACNB Bank Checking $200 – $600 Bonus
ACNB Bank pays a cash gift for a new Advantage Rewards Plus, Advantage Rewards or Basic checking account opened by November 30, 2026: $200 for $2,000 a month in direct deposits, $400 for $4,000 and $600 for $6,000, reviewed over three statement cycles. You also need online banking and eDocuments, 10 debit card purchases of $20 or more to different payees each cycle, and a $2,500 average monthly balance for three cycles. Offices are in Pennsylvania and Maryland.
- Bonus range
- $200 – $600
- Expires
- Nov 30, 2026
- Time to complete
- ~95 days
- Paid after opening
- ~120 days
- Difficulty
- Medium
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Requirements
Last verified: Nov 8, 2026
$200 Tier
Open a new checking account
Open a new ACNB Advantage Rewards Plus, Advantage Rewards or Basic checking account by November 30, 2026 with promo code HARVEST26 ($25 minimum to open). Offices are in Pennsylvania and Maryland, and the online application asks for your ZIP code first.
$2,000/month direct deposit
Set up recurring monthly direct deposits totaling $2,000 or more per month. Only payroll, Social Security or qualified retirement plan distributions count, and the bank reviews three consecutive statement cycles.
10 debit purchases per cycle
Get the Mastercard debit card and make 10 unique transactions of $20 or more, each to a different payee, every statement cycle. ATM transactions, cash advances, returns, credits and person-to-person payments do not count.
$2,500 average balance
Keep a minimum average monthly balance of $2,500 for three full consecutive statement cycles after opening.
Online banking and eDocuments
Set up and log in to Online Banking and enroll in eDocuments within the first 90 days.
$400 Tier
Open a new checking account
Open a new ACNB Advantage Rewards Plus, Advantage Rewards or Basic checking account by November 30, 2026 with promo code HARVEST26 ($25 minimum to open). Offices are in Pennsylvania and Maryland, and the online application asks for your ZIP code first.
$4,000/month direct deposit
Set up recurring monthly direct deposits totaling $4,000 or more per month. Only payroll, Social Security or qualified retirement plan distributions count, and the bank reviews three consecutive statement cycles.
10 debit purchases per cycle
Get the Mastercard debit card and make 10 unique transactions of $20 or more, each to a different payee, every statement cycle. ATM transactions, cash advances, returns, credits and person-to-person payments do not count.
$2,500 average balance
Keep a minimum average monthly balance of $2,500 for three full consecutive statement cycles after opening.
Online banking and eDocuments
Set up and log in to Online Banking and enroll in eDocuments within the first 90 days.
$600 Tier
Open a new checking account
Open a new ACNB Advantage Rewards Plus, Advantage Rewards or Basic checking account by November 30, 2026 with promo code HARVEST26 ($25 minimum to open). Offices are in Pennsylvania and Maryland, and the online application asks for your ZIP code first.
$6,000/month direct deposit
Set up recurring monthly direct deposits totaling $6,000 or more per month. Only payroll, Social Security or qualified retirement plan distributions count, and the bank reviews three consecutive statement cycles.
10 debit purchases per cycle
Get the Mastercard debit card and make 10 unique transactions of $20 or more, each to a different payee, every statement cycle. ATM transactions, cash advances, returns, credits and person-to-person payments do not count.
$2,500 average balance
Keep a minimum average monthly balance of $2,500 for three full consecutive statement cycles after opening.
Online banking and eDocuments
Set up and log in to Online Banking and enroll in eDocuments within the first 90 days.
The cash gift is deposited in the new account after the requirements are verified; the terms give no payout date.
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Account Details
- Advantage Rewards Plus Checking: $9.95 a month, waived with a $2,500 average daily balance.
- Advantage Rewards Checking: $7.95 a month.
- Basic Checking: the bank's page lists a $25 minimum to open and no minimum balance, and states no monthly fee.
Eligibility
Not for existing ACNB Bank or Traditions Bank personal checking customers or owners, or anyone who closed a personal checking account in the past 12 months.
- Offices are in Pennsylvania and Maryland. The online application asks for your ZIP code before anything else, and it was not tested.
- Limit one cash gift per account and per household address. Employees are not eligible.
Tips & Gotchas
- The tier you earn depends on your monthly direct deposit total: $2,000 a month earns $200, $4,000 earns $400, $6,000 or more earns $600.
- The 10 debit purchases must each be $20 or more and go to 10 different payees every statement cycle, so plan your spending.
- Not for current ACNB or Traditions Bank personal checking customers or anyone who closed one in the past 12 months. One gift per household address.
- Advantage Rewards checking accounts carry a monthly fee. Basic Checking is the account with no fee listed.
Can You Earn This Bonus Again?
Fine Print
Offer valid 09/08/26 through 11/30/26. Offer does not apply to existing ACNB Bank or Traditions Bank personal checking account customers/owners or those who closed a personal checking account within the last 12 months. The cash gift is deposited after completing the following steps within the first 90 days of opening a new Advantage Rewards Plus, Advantage Rewards, or Basic Checking Account: (1) Establish and log into Online Banking (2) Enroll in eDocuments (3) Establish a Mastercard debit card and conduct 10 unique transactions per statement cycle. Each transaction must be valued at $20 or more, unique, and made to a different payee. (4) Maintain a minimum average monthly balance of $2,500 for three full consecutive statement cycles following account opening. (5) Establish recurring monthly direct deposits limited to payroll, Social Security, or qualified retirement plan distributions. Earn $200 when you establish direct deposit totaling $2,000 per month; earn $400 when you establish direct deposits of $4,000; earn $600 when you establish direct deposits of $6,000 or more. Monthly direct deposit qualifications will be reviewed for three consecutive statement cycles. Limit one gift per account and per household address. Promo Code: HARVEST26.
Taxable income · Reported on 1099-INT
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What is a direct deposit?
An electronic payment sent directly into your bank account, usually from an employer or government.
Does Zelle Count as Direct Deposit for Bank Bonuses?
Usually no. At most banks a Zelle payment arrives coded as peer-to-peer and will not trigger the bonus. Citi is the clear exception. Its Enhanced Direct Deposit terms name Zelle as a qualifying deposit, and every Zelle report we have from Citi got paid.
What is a minimum balance?
The amount you must keep in an account to avoid fees or qualify for a bonus.
Also see: this month's best bank bonuses and community DD data points.
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