Member Incentive 2026 (EARN400)

How to qualify for a $400 cash bonus:

Open a Cashback Checking account (along with a Savings account and a $5 deposit as a requirement for membership).

Enroll in Digital Banking. This is free and only takes minutes. It helps you do all the usual stuff you need to do — transfer funds, check balances, pay bills, and keep on important alerts.

Set up direct deposit*. You must have at least $1,000 in direct deposits each month for two consecutive months. This is so we know you've adopted this as your primary account.

Complete these steps within 90 days of opening your account and the cash bonus will be deposited approximately 30 days after qualification.

What is Cashback Checking?

A no fee checking account that offers tiered rewards for everyday purchases with debit or credit, maintaining direct deposit, and having a healthy account balance.

Tier 1

Rewards:
• Earn $0.60 cash back on every 10 qualifying purchases**
• Get 0.60% cash back on eligible loan payments***

How to qualify:
• 1-24 Debit or Credit transactions per month

Tier 2

Rewards:
• Earn $0.85 cash back on every 10 qualifying purchases**
• Get 0.85% cash back on eligible loan payments***

How to qualify:
• 25-45 Debit or Credit transactions per month
• Direct Deposits totaling $500+/month
• eStatement enrollment

Tier 3

Rewards:
• Earn $1.25 cash back on every 10 qualifying purchases**
• Get 1.25% cash back on eligible loan payments***

How to qualify:
• 46+ Debit or Credit transactions per month
• Direct Deposits totaling $1,000+/month
• eStatement enrollment
• Average Share Balance of $1,000+/month
• Log in to Digital Banking at least once per month
• Active Home Equity, Mortgage, Auto, or Personal Loan

The fine print:

What you need to know.	Why this rule exists.
Credit union membership is required. Only new members qualify for the $400 bonus offer. You are not eligible if you have had any account or membership with the credit union in the past 6 months. Limit one promotional bonus per individual, regardless of the number of accounts opened.	One of the goals of this promotion is to grow our member-owned movement. With more new members, we can do more for all of our members.
Subject to approval. Certain restrictions may apply. See full terms and conditions for details and restrictions of the cash back bonus promotion.	We need the ability to weed out people who are trying to take advantage of the offer without intending to be good standing members in the cooperative.
* Direct deposit only qualifies. Deposit requirement cannot be met by check, cash, internal transfer, or person-to-person payments. Minimum qualifying direct deposit is $1,000 per month for two consecutive months.	Making direct deposit a requirement is our way of confirming that we are accepting new members who will be using this as their primary account.
See Cashback Checking terms and conditions for details and restrictions of the program. Qualified Debit/Credit Card Transactions must be posted to the account by the last day of the month. You must reach an increment of 1 transaction to receive the full bonus. The following transactions are not included in the calculation of transactions: Transactions less than $10 Transactions related to online gambling ATM transactions Fraudulent transactions or transactions that are subject to a refund, credit or dispute	The number crunchers built these rules to make sure we can actually afford to pay out the rewards. By enforcing these rules, we ensure the program can continue.
Individuals in each tier are eligible to earn up to $50.00 per month in total cash back rewards. This total is split between the cash back on purchases ($30.00 per month limit), and the cash back earned from loan payments ($20.00 per month limit). A monthly maximum of $30 can be earned for Debit or Credit Card transactions. First Commonwealth Federal Credit Union reserves the right to retroactively correct errors and determine additional excluded transactions. *A monthly maximum of $20 can be earned for the Loan Payment bonus. Cash back calculated is based on the sum of all payments made on closed end loans and lines of credit with balances (indirect dealer loans are not eligible for qualification purposes). Mortgage loans may be used to determine eligibility for Tier 3 rewards, however, Mortgage payments and Courtesy Pay repayment loans are not included in the calculation for loan payments. In addition, any amount paid in excess (additional principle) of the monthly payment amount due pursuant to the loan agreement/payment plan will not be included in the calculation of loan payments.	Putting a cap on total cash payouts each month is another rule to make sure we can afford to continue the program. Note that as a member-owned institution, ultimately any surplus money we earn from our products and services does eventually get returned back to our members whether it be through investments in our operations or increasing the generosity of our direct benefits.

Disclosures

Offer Overview:
This promotional offer is available to eligible new members who open a Cashback Checking account and meet all qualifying requirements as described below. Eligible participants may earn a $400 bonus, which will be deposited into their Cashback Checking account after all conditions are satisfied. Offer runs from March 2, 2026 – May 31, 2026.

Eligibility:
- Offer is available to new members only.
- To be considered a new member, the individual must not have had any ownership interest in any account or membership with First Commonwealth Federal Credit Union within the previous six (6) months prior to opening the Cashback Checking account.
- Regular Share (to establish membership) and Cashback Checking account must be opened on the same day.
- Existing members and individuals who have closed an account or membership within the past six (6) months are not eligible.
- One bonus per member. Limit one promotional bonus per individual, regardless of the number of accounts opened.

Qualifying Account:
- The account must be a Cashback Checking account opened during the promotional period.
- Account must remain open, active, and in good standing through the date the bonus is paid.
- All standard membership and account opening requirements apply.

Bonus Payment
- The $400 bonus will be credited to the qualifying Cashback Checking account within the first two (2) weeks of the month, approximately thirty (30) days after all requirements have been met.
- Bonus will be deposited directly into the Cashback Checking account.
- Bonus may be reported on IRS Form 1099-INT or other applicable tax reporting forms. The member is responsible for any applicable taxes.
- Bonus payment will be made to primary member.
- Bonus payment will only be made if member used code EARN400 at account opening.
- Primary member must enroll in Digital Banking to receive bonus payment.

Account Standing and Disqualification
- Account must be open and in good standing at the time of bonus payout.
- Accounts that are closed, restricted, charged off, or otherwise not in good standing prior to payout will forfeit the bonus.
- First Commonwealth Federal Credit Union reserves the right to disqualify participants who appear to be manipulating or abusing the promotion.

General Conditions
- This offer is subject to change, suspension, or termination at any time without notice.
- Promotion runs March 2, 2026 to May 31, 2026.
- Member must be at least 18 years of age at the time of account opening.
- Offer may not be combined with other checking account promotions unless expressly stated.
- Employees, volunteers, and immediate family members of First Commonwealth Federal Credit Union may be excluded from eligibility.
- All decisions regarding eligibility, qualification, and payout will be made by First Commonwealth Federal Credit Union and are final.
- Membership eligibility required.
- Federally insured by NCUA.