First National Bank Plus One: new CD + new checking account bonus: is $500 worth it?
What it adds over what your cash earns now, tier by tier. Change the rate to yours.
With $100,000 for 90 days, the tier that adds the most.
Yearly rate on $100,000 while it's there, bonus included.
Every tier
A smaller tier often wins: less cash away from what it earns now.
- +$212$25,000$200 bonus · 90 days
- +$374$50,000$350 bonus · 90 days
- +$550$100,000Best for you$500 bonus · 90 days
The math
Compared with leaving $100k at 4.15%
Deposit $100,000 in new money · Keep $100,000 there until day 90. Verified on the bank's page Oct 10, 2026.
About this bonus
What it takes
- 1Deposit $100,000 in new money
- 2Keep $100,000 there until day 90
- Ends
- No end date listed
- Where
- Arkansas, Tennessee
- Pays while it's there
- 4.35% a year
- Monthly fee
- None
- Keep it open
- At least 90 days, or the bonus can be taken back
- Cash stays
- About 90 days
- Bonus paid
- Usually within 90 days of finishing
Similar bonuses
The same kind of account, ranked by what each adds at 4.15%.
Questions
Is the First National Bank Plus One: new CD + new checking account bonus worth it?
At 4.15%, about what T-bills or a money market fund pay (as of Oct 12, 2026), the $100,000 tier adds +$550: the $500 bonus plus $1,073 interest, minus the $1,023 that cash would have earned in 90 days. The $50,000 tier adds +$374. At a different rate the answer changes; the calculator on this page works it out for yours.
What are the requirements?
Deposit $100,000 in new money; keep $100,000 there until day 90. Open to residents of Arkansas, Tennessee.
When does it end?
No end date is listed. The terms were last checked Oct 10, 2026.