Continue reading this post to learn more about First National 1870 promotions, bonuses, and offers.
Currently, First National 1870 is offering a $50 and $200 bonus.
Table of Contents
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 (Bank Locator)
- Direct Deposit Requirement: Yes, $500+. It also says ACH credit so not sure how strict. (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 03/31/2023)
You can compare this to several great entry level Checking accounts with bonus offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking ($400 bonus), Chase Total Checking® ($200 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn $200 Checking Bonus
- Open their first personal checking account opened in-branch
- 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), complete 25 or more debit card purchases (pinned, signed, or credit), and have ACH credits, ACH debits, or a combination of both (e.g., Direct Deposit/Electronic Payments) totaling $500 or more that all post to the new account on or before 4/30/2023.
- Offer valid 1/1/2023-3/31/2023 at any Sunflower Bank or First National 1870 branch location, and may be canceled without notice.
- $100 minimum balance required to open.
- 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), complete 25 or more debit card purchases (pinned, signed, or credit), and have ACH credits, ACH debits, or a combination of both (e.g., Direct Deposit/Electronic Payments) totaling $500 or more that all post to the new account on or before 4/30/2023.
- Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase.
- Checks converted to an ACH do not qualify as an ACH debit or credit.
- The account must be in an open status as of 5/4/2023 and have a positive balance at least one day between 4/1/2023–4/30/2023 to be eligible for the reward payment.
- Qualifying reward payment will be paid into new checking account by end of business day on 5/5/2023.
- Customers (any account owner) who currently have or previously had a personal checking account between 1/1/2022 and 01/1/2023 are not eligible for this offer.
- 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)
For more advanced features in a checking account, compare this offer to BMO Harris PremierTM Account ($350 Bonus), U.S. Bank SmartlyTM Checking ($600 bonus), TD Bank Beyond Checking ($300 Bonus), HSBC Bank Premier Checking ($500 Bonus), Chase Private Client ($2,000 Bonus), and Citigold® Checking Account (Up to $2000 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.
(Expired) First National 1870 $150 Checking Bonus
First National 1870 is offering a $150 bonus when you open a new checking account and meet certain requirements.
- What you’ll get: $150 bonus
- Account Type: Personal Checking Account
- Availability: NM, in-branch only
(Offer expires September 30, 2021)
You can compare this to several great entry level Checking accounts with bonus offers include the BMO Harris Smart Money™ Account ($200 bonus), U.S. Bank SmartlyTM Checking ($400 bonus), Chase Total Checking® ($200 bonus), SoFi Checking and Savings ($275 bonus), and Citi Priority Account (Up to $2000 Cash Bonus). |
How To Earn $150 Checking Bonus
- Customer will receive a $150 bonus when they:
- Open a new personal checking account account in-branch (offer excludes Private Banking Checking, SunNet® Checking and Health Savings Accounts)
- Complete 25 or more debit card purchases (pinned, signed, or credit), and have ACH credits, ACH debits, or a combination of both (e.g., Direct Deposit/Electronic Payments) totaling $500 or more that all post to the new account on or before 10/31/21.
- Offer valid 7/1/21-9/30/21 at any First National 1870 branch location and may be canceled without notice.
- $100 minimum balance required to open.
- Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase.
- Checks converted to an ACH transaction do not qualify as an ACH debit or credit.
- The account must be in an open status as of 11/4/21 and have a positive balance at least one day between 10/1/21–10/31/21 to be eligible for the reward payment.
- Qualifying reward payment will be paid into new checking account by end of business day on 11/5/21.
- Not valid with any other offer and may be canceled or changed without notice.
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.
- SunNet Savings: $5 monthly fee. Maintain a $100 minimum daily balance to avoid the monthly account fee
- Essential Savings: $5 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.
- Supreme Money Market: $8 monthly fee. Maintain a $1,000 minimum daily balance to avoid the monthly account fee
- Small Business Checking: $9 monthly fee. Fee may be waived with compensating average collected balances
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 Harris, SoFi, Bank of America, Wells Fargo, and more!*
*Check back at this page for updated First National 1870 promotions, bonuses and offers.
Leave a Reply