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First Commonwealth Federal Credit Union
First Commonwealth Federal Credit Union Cashback Checking $400 Bonus
First Commonwealth Federal Credit Union pays you $400 when you open a Cashback Checking account with promo code EARN400, enroll in digital banking, and receive at least $1,000 in direct deposits each month for two consecutive months within 90 days. Available in Pennsylvania and New Jersey. No monthly fee.
- Bonus amount
- $400
- Expires
- Aug 31, 2026
- Time to complete
- ~90 days
- Bonus deposited in
- ~120 days
- Difficulty
- Easy
Requirements
Last verified: Jul 16, 2026
Open account
Open a new First Commonwealth FCU Cashback Checking account with promo code EARN400. You also open a Savings account with a $5 membership deposit at the same time.
Enroll in digital banking
Enroll in Digital Banking. It is free and lets you transfer funds, check balances, and pay bills.
Direct deposit $1,000/month
Receive at least $1,000 in direct deposits each month for two consecutive months, completed within 90 days of opening the account.
The $400 is deposited about 30 days after you complete the qualifying requirements within the 90-day window.
Tips & Gotchas
- →Use promo code EARN400 when you open the account. You open a Cashback Checking account plus a Savings account, with a $5 membership deposit.
- →You need at least $1,000 in direct deposits in each of two consecutive months. There is no debit card spending requirement for the bonus.
- →The bonus is paid about 30 days after you finish the requirements within the 90-day window.
- →This is First Commonwealth Federal Credit Union in Pennsylvania and New Jersey, not the larger First Commonwealth Bank.
Account Details
Keep the account open and in good standing through the bonus payout, or the bonus can be forfeited.
Eligibility
New members only. Not available if you have had membership or an account with the credit union in the past 6 months.
- Membership required. First Commonwealth FCU serves people who live, work, worship, or attend school in eligible Pennsylvania and New Jersey areas, plus their family members.
- This is First Commonwealth Federal Credit Union (firstcomcu.org), a distinct institution from the larger First Commonwealth Bank.
Can You Earn This Bonus Again?
Fine Print
Available to new First Commonwealth Federal Credit Union members who have not had membership or an account in the past 6 months and who meet membership eligibility in Pennsylvania or New Jersey. Open a Cashback Checking account with promo code EARN400 by August 31, 2026, open a Savings account with a $5 membership deposit, enroll in Digital Banking, and receive at least $1,000 in direct deposits each month for two consecutive months within 90 days of opening. Bonus paid approximately 30 days after qualification. Account must remain open and in good standing through payout.
Taxable income · Reported on 1099-INT
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We may earn a commission if you open an account through the link above. This doesn't affect our recommendations. Learn more