Looking for a checking account that works as hard as you do?
Complete two easy steps to earn your cash bonus
STEP 1
Open a new checking account with $25 or more.2
STEP 2
Within the first 60 days, do one of the following:
Receive direct deposits totaling $1,500 or more, OR complete twenty debit card purchases of $20 or more each.1
promo code
400BONUS
Hurry, offer expires
April 18, 2026
Additional Terms & Conditions
1. The $400 new account cash bonus offer (“offer”) is available on any Penn Community Bank personal checking account type. To receive the $400 new checking cash bonus the account must be opened with $25 or more and complete one of the following within the first sixty (60) days of account opening: a) receive qualifying direct deposits totaling $1,500 or more to the checking account OR b) complete 20 or more debit card purchase transactions of $20 or more each that post to the checking account. Qualifying direct deposits are defined as recurring electronic deposits of payroll, Social Security, pension, government benefits or other eligible regular monthly income. To receive bonus account must be open, active and in good standing at the time the new account bonus is processed. New account bonus will be deposited to the checking account within 45 days after meeting offer requirements. If account is closed for any reason within six (6) months from date of opening, early termination fee may apply, and amount of new account bonus received will be debited from final account balance.
2. Bonus offer available to new checking customers only. Must not have closed a Penn Community Bank checking account within the preceding twelve (12) months or received a prior new checking account incentive. Limit one bonus offer per household, and the program promotional code must be presented at account opening. Offer not available for business and municipal accounts.
3. All bonuses are subject to IRS 1099 tax reporting. Offer expires April 18, 2026. Information accurate as of January 31, 2026 and subject to change without notice. Offer may be modified or withdrawn at any time. Relationship Checking is an interest-bearing account, with the potential to earn a higher interest rate based on account balance, when tiered rates are offered. Relationship Checking Annual Percentage Yield (APY) as of January 31, 2026 is .03% for all balance tiers. Relationship Checking interest rates are variable and subject to change at any time and without notice. For current rates, visit PennCommunityBank.com/PersonalRates.
All accounts: Standard account eligibility requirements apply. Fees and additional terms and conditions may apply. Fees may reduce earnings. There is no charge for the Penn Community Bank app, but wireless carrier data usage and message rates may apply. Ask for full details.
Checking That Grows With You
Your financial goals aren’t one-size-fits-all, and your checking account shouldn’t be either. Penn Community Bank offers a range of flexible checking account options designed to fit how you live, work, and manage your money.
Free Checking Plus
A convenient and basic everyday checking account with digital banking tools that make managing your money easy. Enjoy no minimum balance requirement and no monthly account service fees.4
Student Checking
A checking account designed for students and young adults ages 13-23, to help them build smart money habits with confidence. Offers the flexibility of no minimum balance requirement and no monthly account service fee, as well as the convenience of safe and secure digital banking tools.5
Relationship Checking
Enjoy enhanced benefits and features for maintaining a higher checking account balance or having additional Penn Community Bank products. 6
Access Checking
A checkless account option that offers a fresh start with essential banking features to manage your money and no overdraft/non-sufficient funds services or fees.7
4. Free Checking Plus accounts offer no minimum balance requirement and no monthly service charge or fee. Fees may apply for other services. Please see our Schedule of Fees for details.
5. Student Checking primary account owner must be between the ages of 13-23. 13- and 14-year-old primary owners are required to have a joint account owner 18 or older.
6. Relationship Checking account has a monthly service fee of $10 which can be waived by either maintaining an average balance of $1,500 or more in the checking account or a combined current balance of $15,000 or more in Penn Community Bank deposit and/or loan accounts with the same primary owner and Taxpayer Identification Number (TIN) as the Relationship Checking account. Combined account balances include checking, savings, money market and time deposit current balances and/or consumer mortgage and home equity loan and line of credit current/drawn balances. Consumer accounts from the same household but with a different primary account owner and TIN and/or business accounts are not included in combined balance calculations. Monthly service fee can also be waived by receiving monthly direct deposits totaling $2,500 or more into the checking account, or if the primary account owner is age 50 or older.
7. An Overdraft occurs when there are insufficient available funds in your account to cover an item presented for payment. When there are insufficient funds available in the Access Checking account to cover an item presented for payment, the item will be returned unpaid. While no Penn Community Bank Overdraft or Nonsufficient Funds fees are assessed, the payee may assess a returned item or other fees for nonpayment on the customer’s external account.
All accounts: Standard account eligibility requirements apply. Fees and additional terms and conditions may apply. Fees may reduce earnings. There is no charge for the Penn Community Bank app, but wireless carrier data usage and message rates may apply. Information accurate as of January 31, 2026 and subject to change without notice. Ask for full details.