Read on to learn more about ACNB Bank promotions, bonuses and offers.
Update 10/21/25: You can currently earn a $200 bonus when opening a checking account through 11/30/25.
About ACNB Bank Promotions
ACNB Bank was established in 1857 and is headquartered in Gettysburg, Pennsylvania. They have 29 locations throughout Maryland and Pennsylvania. NWSB is a division of ACNB and services the Maryland area with 7 locations.
While they have generous checking bonuses, ACNB Bank doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
I’ll review the $100 offer below.
ACNB Bank $200 Checking Bonus
- What you’ll get: $200 bonus
- Account Type: Checking Account
- Direct Deposit Requirement: Yes (see what works)
- Hard/Soft Pull: Soft Pull
- ChexSystem: Unknown
- Credit Card Funding: None
- Monthly Fee: Varies by Account
- Early account termination fee: None listed, check with CSR for more information
- Household limit: 1
(Expires 11/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| HSBC Premier Checking (Up to $3,500 Cash Bonus), | |
How to Earn Bonus
- Open your account online with promo code Pumpkin2025 or open an account at your local ACNB Bank office.
- Enroll in online banking with eDocuments
- Establish a Mastercard® debit card and make 10 unique transactions valued at $20 or more within the first 60 days.
- Establish $500 or more in reoccurring direct deposits limited to Social Security, pension or payroll within the first 60 days of opening the checking account
- Offer valid 10/1/25 through 11/30/25.
- Offer may be modified or discontinued without notice. $200 Cash Gift: Offer does not apply to existing ACNB Bank or Traditions Bank personal checking account customers, owners or those with signing authority on any other ACNB or Traditions personal checking account or those who closed a checking account within the last 12 months.
- The $200 gift is deposited after completing the following steps within the first 60 days of opening a new Advantage Rewards Plus Checking Account or Advantage Rewards Checking Account (1) Establish and log into Online Banking (2) Enroll in eDocuments and (3) Establish a Mastercard® debit card and conduct 10 unique transactions valued at $20 or more per transaction.
- Opening a Basic Checking account: (1) Establish and log into Online Banking (2) Enroll in eDocuments (3) Establish $500 or more in reoccurring direct deposits limited to Social Security, pension or payroll within the first 60 days of opening the checking account and (4) Establish a Mastercard® debit card and conduct 10 unique transactions valued at $20 or more per transaction.
- It may take more than two days for a transaction to post and clear.
- Gift will be deposited in the new account after steps have been verified.
- Customer may be subject to 1099 INT reporting.
- Employees are not eligible.
- Limit of one $200 gift per account and per household address.
- MEMBER FDIC
ACNB Bank $25 Referral Bonus (Up to $100)
Earn a $25 bonus when you refer a friend!
ACNB Bank is offering a $100 checking bonus when you refer a friend to open a new qualifying checking account and complete certain requirements. Make sure to apply promo code REFER25.
- What you’ll get: $25 bonus
- Account Type: Basic Checking Account, Advantage Rewards Checking, Advantage Rewards Checking Plus Account
- Availability: PA (Bank Locator)
- Direct Deposit Requirement: Yes
- Credit Inquiry: Unknown
- ChexSystem: Unknown
- Credit Card Funding: None
- Monthly Fee: Varies by Account
- Early account termination fee: None listed, check with CSR for more information
- Household limit: None
(No expiration date listed)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| Bank of America ($500 bonus offer) | |
How To Earn $25 Referral Bonus
- Simply invite your friends to open an account online using the code ‘REFER25’ in the promo box.
- Tell your friends to mention your name and phone number when they open an account at our offices.
- Print and share a referral card.
- Member FDIC.
- To qualify for the $25 gift, your friend/family member must not have a checking account with us currently.
- Once their new qualifying personal account is opened, $25 will be deposited in your account.
- The referred customers account must be in good standing to receive the $25 cash credit.
- If the existing customer does not have a transaction account in which the $25 will be deposited, the $25 will be provided as an official check.
- Each $25 gift may be subject to IRS Form 1099 Reporting.
How to Waive Monthly Fees
- Advantage Rewards Plus Checking: $7.95 monthly can be avoided when you maintain a $1,000 average daily balance
- Advantage Rewards Checking: $5.95 monthly
- Basic Checking: No monthly fees
- Free Business Checking: No monthly fees
- Business Advantage Checking: $20.00 monthly can be avoided when you maintain a $20,000 average daily balance in the account
- Business Checking+: $10.00 monthly can be avoided when you keep a $1,000 average daily balance in the account
- Business Manager Checking: No monthly fees stated
- Community Checking: No monthly fees
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Bottom Line
This bonus at ACNB Bank offers a wide variety of account features to help you in any situation. If you are interested, be sure to apply while you still can today!
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*Check back at this page for updated ACNB Bank promotions, bonuses and offers.
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