Bounty
Worth it?

First Commonwealth Bank Business Checking bonus: is $500 worth it?

What it adds over what your cash earns now, tier by tier. Change the rate to yours.

+$466: more than leaving it at 4.15%

With $5,000 for 60 days, the tier that adds the most.

With the bonus60.83%
Leave it where it is4.15%

Yearly rate on $5,000 while it's there, bonus included.

Every tier

A smaller tier often wins: less cash away from what it earns now.

  • $3,000
    $300 bonus · 60 days
    +$280
  • $5,000Best for you
    $500 bonus · 60 days
    +$466

The math

Compared with leaving $5k at 4.15%

Bonus
+$500
Interest while it's there
No interest assumed
$0
What it'd earn at home
$5,000 at 4.15% for 2 mo
−$34
Extra
+$466
Works out to 60.8% a year on that cash, vs 4.15% at home.

Deposit $5,000 in new money within 60 days · Make 10 debit card purchases within 60 days. Terms checked Oct 10, 2026.

See every bonus ranked like this for you

About this bonus

What it takes

  1. 1Deposit $5,000 in new money within 60 days
  2. 2Make 10 debit card purchases within 60 days
Ends
Dec 29, 2026
Where
5 states: PA, OH, IN, KY, WV
Monthly fee
None
Cash stays
About 60 days
Bonus paid
Usually within 60 days of finishing
Terms checked Oct 10, 2026The bank's offer pageFound via Doctor of Credit

Similar bonuses

The same kind of account, ranked by what each adds at 4.15%.

Questions

Is the First Commonwealth Bank Business Checking bonus worth it?

At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $5,000 tier adds +$466: the $500 bonus, minus the $34 that cash would have earned in 60 days. The $3,000 tier adds +$280. At a different rate the answer changes; the calculator on this page works it out for yours.

What are the requirements?

Deposit $5,000 in new money within 60 days; make 10 debit card purchases within 60 days. Open to residents of PA, OH, IN, KY, WV.

When does it end?

The offer ends Dec 29, 2026. The terms were last checked Oct 10, 2026.