Posted by William Charles on May 11, 2017
Bank Account Bonuses

Published on May 11th, 2017 | by William Charles


[CA, AZ & CO] $200 FirstBank Checking Bonus

Deal is back and valid until December 29th, 2017.

Offer at a glance

  • Maximum bonus amount: $200
  • Availability: Only available for those in Colorado, Arizona, or Riverside County, California (possibly only Palm Desert). This is a bit YMMV, so just hope for the best.
  • Direct deposit required: Yes, $500+
  • Additional requirements: Enroll in internet banking
  • Hard/soft pull: Soft according to a reader via e-mail
  • Credit card funding: Up to $600 but must call in or go into a branch to fund
  • Monthly fees: None
  • Early account termination fee: Bonus taken back if closed within 6 months
  • Expiration date: June 30th, 2015 September 30th, 2015 April 30th, 2016 June 30th, 2016 August 31st, 2016 October 31st, 2016 December 31st, 2016 March 10th, 2017 May 5th, 2017 July 7th, 2017 September 2nd October 27th, 2017 December 29th, 2017

The Offer

Direct link to offer

  • Receive a bonus of $200 when you open an Anywhere account with efirstbank and complete the following requirements:
    • Enroll in internet banking
    • Receive a direct deposit of $500


The Fine Print

  • Requirements must be met within 60 days of account opening
  • Bonus will be deposited within 90 days of account opening
  • Limit one gift per household, per lifetime
  • Not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

There are no monthly fees on this account, if you close the account within 6 months of opening then you will forfeit the bonus.

Our Verdict

Pretty good bonus, I probably wouldn’t bother with the credit card funding as it seems to be more trouble than it’s worth. We’ve added this bonus to our list of the best checking account sign up bonuses, you can view that list here.

[Read: Best cash credit card sign up bonuses]

124 Responses to [CA, AZ & CO] $200 FirstBank Checking Bonus

  1. Mist Soalar says:

    So the FirstBank has no datapoint of transactions to be considered as DD.
    Anyone has tried ACH?

  2. Paul says:

    Provident Credit Union has a $150 signup offer. Available in about 10 States. Local radio station KNBR plays ads for the promo (use KNBR in the offer code when signing up). PCU offers decent interest checking (1.3% up to $25K). A few requirements needed to get the promo. Search Google for $150 Provident CU and you’ll find a page about it. Hard pull for signup. Not worth it just for the bonus, but if you’re in need of a decent CU and want to park some emergency money in a relatively high rate checking account, not a bad choice.

  3. Pingback: FirstBank $200 Checking Account Bonus Offer

  4. Superman says:

    FB does not allow credit card funding. Hard inquiry on TransUnion for $200 checking. Soft pull for $50 college savings.

  5. Ron says:

    This promo is still running until January 31, 2016

  6. rocco says:

    Weird how I was told that since I don’t live in the “katela Ranch” area of CA eventhoug I am in Orange county Socal they won’t be able to fund my account and it will be closed. F*** first bank

  7. Acslaterbro says:

    So is it a hard pill or soft pull, confused by the comments?

  8. Ted says:

    FYI, i was told in a phone call that because i had this same bonus a few years prior, that i wasn’t qualified for a second bonus. However, the bonus still posted after a direct deposit. So it is churnable as well, but I’m not sure what the timeline should be between closing and opening as well. This worked in Colorado.

  9. anthonyjh21 says:

    Anyone confirm or deny the one bonus per household rule?

    • jesus says:

      I’m curious if I list my address as “123” on the second line for my apartment number if this account would be churnable if next year I opened the account with my apartment number listed as “apartment 123”

  10. Acslaterbro says:

    So wait is it a hard pull or not? Comments are confusing

  11. anthonyjh21 says:

    Also, I think I initially misread the blog post. The only location within California that qualifies is Riverside?? I don’t want to contact them and I’m not trying to ask stupid questions. Given that this bonus has some history I’m hoping there’ll be some data points from those who may know w/o me having to find out through the bank.

  12. Aaron says:

    Going through the set up process now…

    Verbiage that might be interesting to some regarding the debit card:

    *For each FirstBank Visa Debit Card there is a $10 annual fee, which is waived for the first year. There is no annual fee if the card is attached to a Premier Checking account. By accepting, each person on the account will receive a FirstBank Visa Debit Card.

    It does give you the option to decline the Debit card, which I will be doing…


    • Aaron says:

      No Hard Pull, I do see the soft pulled Experian today. I’ll keep an eye out over the next couple of days to make sure there are no Hard Inquiries…


  13. LEVIS says:

    Thanks Aaron.

  14. Jesus says:

    I was denied for having too many inquiries into chexsystems for opening about 9 bank account in the last 2 months. First Bank called me to let me know.

    Any idea how long I should wait until I start opening accounts again for bonuses? 3 months? 6?

    • Justin says:

      Same happened to me.
      I’ve had ~6 bank accounts opened in the past 12 mo.

      Seems they are a little stricter than most.

  15. Kevin says:

    so I tried opening an account today but was denied because I live outside the service area. Even though I live in Riverside County, their service area is limited to Palm Desert (according to the CSR).

    • Wyle says:

      Arizona restrictions as well. I’m in Tucson, but all their branches are in Phoenix. As soon as I enter zip code, I get the “out of service area” message. 🙁

  16. Ryan says:

    Went and opened account yesterday. It was a Chex soft pull. I was unable to fund with CC. Lowered cash advance with Chase IHG card. They tried to run it and would not process. Person helping me said it runs as a cash advance. Confirmed reader’s post about the $10/year debit card fee. I will try to cancel the debit card and see if they will waive that fee.

  17. Prashanth says:

    this offer is extended till June 30 2016 🙂

  18. John says:

    I can confirm that they do a soft pull on TransUnion

  19. Prashanth says:

    confirmed that credit card funding doesn’t work. you may have to removve it. it is coded as cash advance.

  20. Grant says:

    According to the phone rep I spoke to, as long as you live in Indio, La Quinta or Palm Desert, you are eligible to open an account. She also mentioned that there are currently 5 branches in that area that you can go and open an account in-branch.

  21. David says:

    I put in my zip code, 94610 (Oakland, CA), the system told me I didn’t qualify 🙁

  22. Tim says:

    The offer has been extended through Aug 31, 2016

  23. J. says:

    I live somewhere in the San Bernardino County, and I was in Palm, so I decided to check it out. I was able to sign up for the 200 bonus even though I live nowhere close to the Coachella valley. CC funding was not available, and the banker pulled from Chex.
    I would encourage anyone who can make it to a branch to give it a try.

    Use the Promo Code: 105-73-5358
    Rep Name: VZMartinez
    Branch: Palm

  24. Sarah says:

    The offer has been extended through October 31, 2016.

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  26. Willy Brandt says:

    It’s limited to Riverside County, CA 🙁

    We are unable to open an account since you do not reside in our service areas within Colorado, Arizona, or Riverside County, California.

    Please call us at (303)238-9000 or (800)964-3444 and we will assist you in opening an account if you are:

    Relocating to our service area
    Working with one of our officers
    Establishing a College Savings Account

  27. Kyle says:

    In CO, opened the account without any issues Sep 22nd, the account is closed today (found out by failing to log onto online banking), called customer service and was told to visit a branch.

    In the branch, banker called internally, and then asked why I have opened so many checking accounts this year, and why would I need 1st bank account. Told her I saw the 1st bank promotion online and wanted to open. she had the account re-opened.

    Tried to use credit card for the funding, was told cash advance only on CC. so made a cash deposit.

  28. TJ says:

    Offer was extended to 12/31/16.

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  30. Paul says:

    Got a letter in the mail saying I was declined for too many ChexSystem inquiries.

  31. Josh says:

    Now this is hilariously ironic. I literally live in the city of Riverside in Riverside County, and they said I couldn’t open an account. Like the other commentator said, it’s for the Palm Desert area (basically, east Riverside County; this county’s huge, as you know). Too bad!

  32. Steven says:

    Says one bonus per lifetime….vaguely remember a long time ago did one of these through FirstBank for an iPod…still qualify?

  33. meow says:

    FYI I was able to fund $600 with my new account today using CFU over the phone. Located in AZ. My cash advance was set to $20, and the first time the banker tried, it was denied. After a brief hold, they mentioned that it would go through by the end of the day. I see a pending $600 charge on my card for “FIRSTBANK NEW ACCOUNT”.


  34. Ken says:

    Opened for my wife. I have an account, but I never received any bonus.

  35. Brandon Carotta says:

    Does anyone have any info on using an ACH for DD? This has been going on for years and we dont have a single DP?!

  36. rick says:

    DP: Applied online, called in a few minutes later to CC fund $600. Online app was very easy and calling in was pretty painless. CC fund went though just fine on my Citi Double Cash where I have the cash advance max set to $0– so it must have coded as a purchase. Currently listed as pending on Citi, I’ll update if anything changes once it posts.

  37. Mat says:

    There’s a $5 fee if you sign up for online bill pay. The fee is waived if you do 3 bill pay transactions in a month, and it’s waived for the first 3 months.

    I signed up for bill pay in September, did one bill pay, and forgot about it. I just got charged $5 for not using bill pay in January, but I contacted them via chat and they’re going to refund it.

  38. Ken says:

    FirstBank seems to be sensitive to Chex inquiries. Wife went in to show her ID like the email requested and they interrogated her about why she’d opened so many bank accounts in the past year. Of course I had valid reasons, but she wasn’t prepared when they ambushed her. We went to another bank and showed her ID and they supposedly gave that to their new accounts person but we haven’t heard anything from them in over a week now. And she had already setup direct deposit from her employer so we’re missing the $500 from that as well as the initial funding. No idea what’s going on but we’ll go into a branch soon.

  39. rick says:

    DP: Bonus posted one day after a $502 ACH transfer from TD Ameritrade. I used Ameritrade because it always posts as “PPD” instead of the “P2P” you get when transferring from somewhere like Ally or Discover. That said, Ally or Discover might’ve worked, but I wanted to have the best possible chance.

    It so happened that my first statement closed one day after the ACH transfer arrived. So I can’t be totally sure if the bonus posts a day after ACH hits or when the statement closes, since they happened at the same time.

    Also, re: Chex sensitivity– I’ve opened around 10 checking accounts in the past year and they didn’t seem to mind. I applied online though, maybe in-branch is different.

    Thanks DoC!

  40. Andrew says:

    CC Funding was easy over the phone – $600 on Chase FU, coded as purchase

  41. Paul says:

    I live in Phoenix and opened FirstBank Anywhere checking account. Verified rick’s reply: Bonus posted one day after a $502 ACH transfer from TD Ameritrade. TD Ameritrade definitely works for FirstBank Anywhere checking account $200 bonus.

  42. MM says:

    One thing I noticed in the terms was that, in lieu of a $500 DD, they’ll also give the bonus for making $500 in net purchases with your debit card within the first 60 days. So, even if your ACH didn’t count, you could theoretically just go buy an MO for $500 after it posted, and that would trigger the bonus.

    Think I’m about to give this one a whirl, with the intention of trying to meet the bonus first with a ACH from my home bank. If that doesn’t work, I’ll give the debit card option a try. Obviously, will report back with results!

    • where does it say that?

      • MM says:

        Apologies for posting the entire terms, but there are some interesting tidbits in there, aside from the DD vs. $500 total debit purchase option, so I thought I’d include the whole thing. (i.e., the mention of the $10 AF for the debit card, though that’s waived for the first year; the entertaining bit about substituting a comparable “gift” in lieu of the $200 if they want; etc.)

        As I read them, goal here is to hit the bonus via DD or $500 debit option, hold for six months, then close out (and make damn sure you don’t hold longer than a year, lest you get charged a fee for holding the debit card. Seriously, what bank charges a fee for simply having their debit card?!)

        Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking accounts opened between January 1, 2017 and March 10, 2017. The account must be opened online at or bring in this advertisement to any FirstBank location to receive the $200 offer. Limit one gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and one direct deposit greater than $500 posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit cannot be multiple direct deposits combined that exceed $500. In place of the direct deposit requirement, the customer may conduct $500 in net (purchase debits versus return credits) Visa Debit Card purchases during the first 60 days of the account being opened. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The $200 cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees are not eligible to receive the offer. Online Banking plus direct deposit or Visa Debit Card purchases required. The Visa Debit Card is free for the first year after which an annual fee (currently $10 per card) applies. Other conditions and restrictions apply. See branch for details.”

        • MM says:

          Update: I won’t be testing this theory after all, as they rejected my app! I guess I’ve been hitting the bank account bonuses a bit too frequently for their liking. Ah well, on to the next!

        • Jonathan S says:

          As of May 9, 2017, if you go the debit card route you need to make at least 10 purchases with the card. I signed up in February, and I only made 3 purchases (and over $500) and didn’t get the bonus. I talked to a CSR and they said that they would look into this and (hopefully) waive that requirement since I opened before that date.

  43. Charity says:

    Noticed they changed the end date to May 5, 2017 in the fine writing. Unfortunately I also found out I don’t qualify, imputed my zip code for a quick answer.

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  45. Andy Liang says:

    No juice trying to open with Los Angeles zip code:

    “We are unable to open an account since you do not reside in our service areas within Colorado, Arizona, or Riverside County, California. “

  46. Jordan says:

    It looks like there is an inactivity fee charged if there is no account activity and the balance is below $1000:

    • rick says:

      True, but only after 12 months. Ideally you’d close this after 6 months (the minimum to avoid fee), and certainly before 12 months in order to avoid the (ridiculous) ATM/debit card fee.

  47. Jon says:

    Another (current) DP for TD Ameritrade working as Direct Deposit: Pushed $501 from TDA and the bonus posted the day after the transfer arrived.

  48. Ken says:

    WF did not work for the DD requirement, but my paycheck DD did work.

  49. James says:

    Anyone have luck applying out of state?

  50. Casey says:

    Horrible bank, horribly experience. Stay away! I got a mailer for this offer in the mail, and decided to take advantage of it by opening an account online. Account was opened, and then I had my partner write me a check from another institution, which I deposited using the mobile app, and it was accepted. However, got called back a couple of days later saying that I needed to go into the branch to show my ID in order to complete the account opening process. I did so, only to be told that my account had been closed because the opening deposit check was not from me, even though it cleared successfully. They didn’t even give me the money back, so now I have to fight to get that back. Avoid this crooked bank!

    • MM says:

      Definitely not a positive experience with these guys for us either. Slow, unnecessarily complicated service, bizarre rejection of transfers, etc. Gonna be really happy to take the bonus and leave. Sorry for your bad experience!

  51. James N says:

    Capital One DD does not seem to have worked, 90+ days later.

  52. Patrick says:

    I successfully got the bonus with a $600 ACH transfer from Amex Bluebird. The bonus posted the day after the Bluebird transfer posted.

  53. William, what are chances of getting approved in branch (in CO), if you live out of the service area (Northern CA)? This comment seems to suggest it will work, but want to confirm before planning a visit: /ca-az-co-200-firstbank-checking-bonus/#comment-271656

      • Update: Called FirstBank and asked about my options; The representative told me that I could apply for an account using the address of my family member who lives in Colorado. On a related note, the website suggests that you can call FirstBank if you’re planning to move/relocate to Colorado, but your current address is out of their service area.

  54. Will, potentially helpful DP: Opened an account using a Denver ZIP code (my cousin’s ZIP) to enter the application, then entered my address — an address that is out of FirstBank’s coverage area — and was instantly approved for an account. May try funding with credit card to hit the “spend $500 on Arrival and get 5,000 Arrival Points” bonus — will update if/after attempting.

    Considering doing an ACH from E*Trade, Ally, BoA, Fidelity to trigger the Direct Deposit requirement. Any other data points on what triggers the direct deposit requirement, ideally regaridng one of those institutions?

  55. seespotjump says:

    “Offer valid for new personal checking accounts opened between May 8, 2017 and July 7, 2017”

    Now goes until 7/7/2017

  56. Wong says:

    Doc, I emailed them and this is their response:

    I am sorry, but you must live in our trade area to open an account with us. We do not have banks in the —- area.

    Please contact a customer service representative at (800) 964-3444 with additional questions or comments.


    Online Banking Supervisor

  57. Dusty says:

    Since this is has been extended and the post bumped, I just want to add another DP that funding by CC over the phone was totally painless for me. Bonus posted the next day after a Serve ACH push cleared. I’d definitely recommend this bonus if you’re in their service area and don’t have too many Chex hits yet.

  58. MM says:

    Really annoying experience with these guys, which makes me feel even less bad than normal for taking the bonus $ and running. Spouse had to go in branch to complete online application (what’s the point of an online app if they’re gonna make you go in branch to finish it?!), then told they needed to see a social security card for ID (WTF?). Slow, robotic service in branch. Once finally opened, they manually cancelled an ACH from another institution b/c it was from my acct, not my spouse’s. Maybe this is a well known thing, and I’m the fool here, but it just seemed unnecessarily petty. Finally caved and used a DD from my employer to trigger the bonus.

    Combine the sketchy service/interaction with dumb/”gotcha” bank tricks like annual fees for an ATM card (seriously, guys? seriously?), and I’m gonna be happy as a clam to pull the cash out and let that acct sit vacant for six months before closing it the hell out.

  59. James says:

    I just moved to Colorado and signed up today. Still have my TX drivers license so I brought utility bills and mortgage agreement as insurance but she didn’t even ask for them, just an address in Denver.

    Funded with Club Carlson card from US bank which appears to have coded as a cash advance 🙁

    Also there is a promotion code for referrals to get a $10 gift card to Amazon. It would be nice if you’d mention mine when you sign up: 106-69-5899

    Thanks DoC I’ve made almost $1k this week!

    • Nice, another happy reader 😀

    • Ken says:

      We’re doing the opposite and moving from Denver to TX, usually most people move TO Colorado and not from here. Where’d you move from in TX?

      Keep an eye out if Centennial Bank and Trust does another good bonus since it’s so easy to meet the requirements and they pay out quickly.

  60. Brian says:

    Got the $200 promotion a few weeks ago — now I would like to stop the DD.

    I think they won’t pull the $200 back if I now stop the DD, right?

    • Dusty says:

      You’re fine. I used Serve ACH pushes to trigger it and stopped after I got it (maybe one more out of laziness in changing my bank account in Serve).

  61. loren says:

    How close do you have to live to riverside to be eligible for the bonus?

  62. Alex says:

    Extended once again. Per mailer though it appears the account has to be opened beginning July 10th through September 2nd so if you apply on July 8th or 9th you will not get it.

  63. drhaus says:

    Received my $200 promotional bonus today. At first I tried a Wells Fargo ACH to trigger the bonus but this did not work, I ended having to have a real employer DD to get it.

    Wells Fargo coded as: DDA TO DDA WELLS FARGO IFI on 7/13, where my employer DD came through as:

    DIR DEP “company name” INC. Direct deposit posted last Friday, promotional credit hit this morning.

  64. Casey says:

    Hi guys.

    I just checked, and this offer has been extended to September 2nd.

    I would like some advice.

    Years ago, I was going through a tough time and stopped making payments on a 1stBank credit card. It was charged off. According to my credit reports, the balance was only $280, and it seems crazy to me now that I didn’t just take care of it… but I was broke and living from hand-to-mouth for several years, and back then I just didn’t care about that credit debt. 😛

    This negative should drop from my credit reports anyway sometime between April and July of next year, which is coming up pretty soon. However, I’m back in Colorado now, saw this deal, and it got me thinking. Maybe I should approach the bank and offer to pay the old card balance if they agree to retract the neg and open a new checking account for me? It’d just cost me $80 net, I’d get the ding removed half a year early, and I’d have the opportunity to reestablish a good relationship with the bank, right? Or is there anything I’m overlooking? Like could reopening negotiations somehow resurrect the old debt and reset the clock on the statute of limitations?

    Thanks a lot in advance for any good advice.

    • Casey says:

      On the other hand, I’ve been chasing bonuses and have opened seven other accounts in the past month or two. A few people have reported here that 1stBank is Chex-sensitive. Might they overlook that in light of an agreement to pay off my old balance? What do you guys think? Is it worth a try, or better to just leave alone?

    • I’d just let it fall off, too many reports of payments leading to it being reported and wait starting over. Thanks for letting us know about new expiry.

  65. Felix says:

    Denied for Chex. First ever bank denial. < 12 in last year.

  66. TimmyD says:

    DP – Opened a new account and made $600 payment by phone to fund account. Used Prestige card, which I had just called the previous night to set the cash advance limit to zero

  67. Gator says:

    This has been extended again through 12/29/17, just got a mailer and it’s on their Offers page too.

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