First Commonwealth Bank Personal Checking bonus: is $400 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $2,000 for 60 days, the tier that adds the most.
Yearly rate on $2,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$200$0$200 bonus · 60 days
- +$386$2,000Best for you$400 bonus · 60 days
The math
Compared with leaving $2k at 4.15%
Make 10 debit card purchases within 60 days · Deposit $2,000 in new money within 60 days. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Make 10 debit card purchases within 60 days
- 2Deposit $2,000 in new money within 60 days
- Ends
- Nov 30, 2026
- Where
- 5 states: PA, OH, IN, KY, WV
- Pays while it's there
- 0.01% a year
- Monthly fee
- None
- Cash stays
- About 60 days
- Bonus paid
- Usually within 30 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the First Commonwealth Bank Personal Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $2,000 tier adds +$386: the $400 bonus, minus the $14 that cash would have earned in 60 days. The $200 tier, with no cash parked, adds +$200. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Make 10 debit card purchases within 60 days; deposit $2,000 in new money within 60 days. Open to residents of PA, OH, IN, KY, WV.
When does it end?
The offer ends Nov 30, 2026. The terms were last checked Oct 10, 2026.