Heads up, Pennsylvania and Maryland residents! ACNB Bank is offering a $200 bonus (it was recently $400, but the offer changed) when you open a new checking account by November 30, 2024. You'll need to use the code "earn400" (even though the bonus is now $200), make 10 debit card transactions within 60 days, enroll in online banking with eDocuments, and set up $500 in direct deposits within 60 days if you open a Basic Checking account.

Here's the catch: this is a very targeted offer. You must live close to a branch, as there are reports of denials for those living more than 30 miles away. You also need to open the account in person. On the bright side, the Basic Checking account has no monthly fees, making this bonus relatively easy to snag if you meet the requirements and act fast. Bank bonuses are essentially free money, but remember the IRS will want a cut, so you'll likely receive a 1099-INT form.