First Farmers Bank & Trust Harvest Rewards Checking bonus: is $100 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
+$99: more than leaving it at 4.15%
With the bonus245.77%
Leave it where it is4.15%
Yearly rate on $500 while it's there, bonus included.
The math
Compared with leaving $500 at 4.15%
Bonus
+$100
Interest while it's there
3% for 30 days
+$1
What it'd earn at home
$500 at 4.15% for 30 days
−$2
Extra
+$99
Works out to 245.8% a year on that cash, vs 4.15% at home.
Deposit $500 in new money within 30 days. Terms checked Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $500 in new money within 30 days
- Ends
- No end date listed
- Where
- Indiana, Illinois
- Pays while it's there
- 3% a year
- Monthly fee
- None
- Cash stays
- About 30 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 Farmers Bank & Trust Harvest Rewards Checking bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $500 tier adds +$99: the $100 bonus plus $1 interest, minus the $2 that cash would have earned in 30 days. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $500 in new money within 30 days. Open to residents of Indiana, Illinois.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.