Continue reading this post to learn more about First National 1870 promotions, bonuses, and offers.
Update 1/24/25: First National 1870’s $200 checking bonus has been extended to 3/31/25.
About First National 1870 Promotions
First National 1870 offers a full range of financial products that value the needs of each customer. Their goal is to help customers achieve their goals through innovative solutions and locally informed decision-making. This bank is found in New Mexico however it is also called Sunflower Bank which is found in other states.
I’ll review the current offer below.
First National 1870 $200 Checking Bonus
First National 1870 is offering a $200 bonus when you open a new checking account and meet certain requirements.
- What you’ll get: $200 bonus
- Account Type: Elevation and Pinnacle Checking Account
- Availability: NM, AZ, CO, KS, TX. In-branch only. (Bank Locator)
- Direct Deposit Requirement: Yes, $500+ (see what works)
- Credit Inquiry: Unknown
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $6, avoidable
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(Expires 06/30/2025)
| BMO Smart Money Checking ($400 cash bonus*) | BMO Smart Advantage Checking ($400 cash bonus*) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
How To Earn $200 Checking Bonus
- Open qualifying checking account with a minimum deposit of $100.
- Complete 25 or more debit card purchases (pinned, signed, or credit). Each purchase must be greater than or equal to $10 and must post to the new checking account on or before 7/31/2025.
- Receive one or more qualifying Automated Clearing House (ACH) Direct Deposit credit(s) totaling $500 or more in the new checking account. Qualifying ACH Direct Deposits include: electronic deposits of your payroll, government benefits (e.g. social security), pensions, annuities, retirement plans, and child support that post to the new checking account on or before 7/31/2025.
- The qualifying reward payment will be paid into new checking account by end of business day on 8/8/2025.
- Offer valid 4/1/2025-6/30/2025 at any First National 1870 branch location, and may be canceled without notice.
- Customer will receive a $200 reward when they open their first personal checking account opened in-branch (offer applies to Foundation, Elevation and Pinnacle checking accounts only) and meet the following promotion requirements: 1) Open qualifying checking account with a minimum deposit of $100. 2) Complete 25 or more debit card purchases (pinned, signed, or credit). Each purchase must be greater than or equal to $10 and must post to the new checking account on or before 7/31/2025. Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase. 3) Receive one or more qualifying Automated Clearing House (ACH) Direct Deposit credit(s) totaling $500 or more in the new checking account. Qualifying ACH Direct Deposits include: electronic deposits of your payroll, government benefits (e.g. social security), pensions, annuities, retirement plans, and child support that post to the new checking account on or before 7/31/2025.
- The following types of transactions do not qualify as ACH Direct Deposit for promotion: Deposits processed as a debit card credit, account-to-account transfers or peer-to-peer (e.g. Zelle® , Venmo, PayPal and similar) credits, micro-deposits (small deposits less than $1), merchant transactions from PayPal, Square and similar, and external bank ACH transfers not from employers, bank transfers from one account to another account, dividends, wires, mobile check deposits/transfers, or other electronic money transfers, such as those made through internet payment services, and deposits made at a branch or ATM.
- The Bank reserves the right to request documentation that the direct deposits qualify.
- The account must have a positive balance at least one day between 7/1/2025–7/31/2025 to be eligible for the reward payment.
- The qualifying reward payment will be paid into new checking account by end of business day on 8/8/2025.
- The account must be in an open status to receive the reward payment.
- Customers (any account owner) who currently have or previously had a personal checking account between 4/1/2024 and 4/1/2025 are not eligible for this offer.
- Maximum payment per checking account is $200.
- Not valid with any other offer and may be canceled or changed without notice.
First National 1870 $50 Referral Bonus
Earn a $50 Bonus at First National 1870!
First National 1870 is offering a $50 bonus when you refer a friend and they open a new checking account and meet certain requirements.
- What you’ll get: $50 bonus
- Account Type: Convenience, Spend & Sign & Save, Elite, Superb, or Premier Checking Account
- Availability: NM, AZ, CO, KS, TX
- Direct Deposit Requirement: No
- Credit Inquiry: Unknown
- ChexSystem: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: $0-$10, avoidable
- Early Account Termination Fee: Unknown
- Household Limit: None listed
(No Expiration Date Listed)
| BMO Smart Money Checking ($400 cash bonus*) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | HSBC Premier Checking (Up to $3,000 Cash Bonus), |
How To Earn $50 Referral Bonus
- In order to earn the $50 bonus, you must follow these steps:
- First, be sure that your friend or family member is not already a current First National 1870 personal checking account owner.
- Give eligible friends or family members a referral card. When they bring it to a location near them, they can get rewarded for opening their first personal checking account and begin making referrals too!
- There is a minimum of $100 required to open a personal checking account.
- Offer valid at any First National 1870 location.
- To participate in the Refer A Friend program, customer must be an owner on a personal checking account at First National 1870.
- Referring customer will earn $50 when referee opens their first personal checking account at First National 1870.
- All bonus payments will be deposited into referring customer’s primary personal checking account at time referral payment is earned.
- Qualifying account must be open and have a positive balance on the date the referee account is opened to receive bonus payment.
- New customer (referee) must present referral card, letter, or email offer at time of account opening.
- Minimum of $100 is required to open a personal checking account.
- Maximum payment per customer for referrals is $500 per calendar year (January 1–December 31).
- Customers will receive an annual 1099-INT for bonus payments earned.
- Offer subject to change/cancellation at any time without notice.
- Referee may participate in current personal checking offers at time of account opening and is eligible to participate in the Refer A Friend program.
How To Waive Monthly Fees
- Health Savings: None
- SunNet Checking: $7 monthly fee. Maintain a $100 minimum daily balance to avoid the monthly account fee
- Foundation Checking: $7 monthly fee. Maintain a $100 minimum daily balance to avoid the monthly account fee or if primary account owner is under the age of 18.
- Pinnacle Checking: $10 monthly fee. Maintain a $2,000 minimum daily balance to avoid the monthly account fee
- Elevation Checking: $6 monthly fee.
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Bottom Line
This is a limited time offer with First National 1870. If you are interested be sure you act soon before it ends. Let us know in the comments below if this triggers a soft or hard pull. In my opinion, the requirements are too much if you are just looking to take advantage of an easy bonus. If you are interested in more posts like this, check out more reviews here on HustlerMoneyBlog!
While they have generous bonuses, First National 1870 doesn’t have the best rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
*Compare First National Bank 1870 Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO, SoFi, Bank of America, Wells Fargo, and more!*
*Check back at this page for updated First National 1870 promotions, bonuses and offers.
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