First National 1870 Bonuses: $50, $200 Checking, Referral Promotions (NM)

Find the most up-to-date list of First National 1870 bonuses, promotions, and offers here.

Update 1/24/25: First National 1870’s $200 checking bonus has been extended to 3/31/25.

First National 1870 Bonuses Review

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, Colorado, and Texas (online) however it is also called Sunflower Bank which is found in other states.

I’ll go over all First National 1870 offers below.

First National 1870 $200 Checking Bonus

When you open a new checking account with certain requirements, you can receive a $200 bonus.

• What you’ll get: $200 Bonus
• Eligible account: Personal Checking Account
• Availability: NM (Bank Locator)
• Credit Inquiry: Soft Pull or Hard Pull?
• Direct Deposit Required: Optional
• Monthly Fee: $0-$10; waivable
• How to earn it:
  • Open qualifying checking account with a minimum deposit of $100.
  • Complete 25 or more debit card purchases (pinned, signed, or credit). Each purchase must be greater than or equal to $10 and must post to the new checking account on or before 4/30/2025. Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase.
  • Receive one or more qualifying Automated Clearing House (ACH) Direct Deposit credit(s) totaling $500 or more in the new checking account. Qualifying ACH Direct Deposits include: electronic deposits of your payroll, government benefits (e.g. social security), pensions, annuities, retirement plans, and child support that post to the new checking account on or before 4/30/2025.
  • The qualifying reward payment will be paid into new checking account by end of business day on 5/9/2025.

(Expires 03/31/2025)

Fine Print

• Offer valid 1/1/2025-3/31/2025 at any First National 1870 branch location, and may be canceled without notice.
• 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) and meet the following promotion requirements: 1) Open qualifying checking account with a minimum deposit of $100. 2) Complete 25 or more debit card purchases (pinned, signed, or credit). Each purchase must be greater than or equal to $10 and must post to the new checking account on or before 4/30/2025. Recurring debit card transaction payments and ATM transactions do not qualify as a debit card purchase. 3) Receive one or more qualifying Automated Clearing House (ACH) Direct Deposit credit(s) totaling $500 or more in the new checking account.
• Qualifying ACH Direct Deposits include: electronic deposits of your payroll, government benefits (e.g. social security), pensions, annuities, retirement plans, and child support that post to the new checking account on or before 4/30/2025.
• The following types of transactions do not qualify as ACH Direct Deposit for promotion: Deposits processed as a debit card credit, account-to-account transfers or peer-to-peer (e.g. Zelle® , Venmo, PayPal and similar) credits, micro-deposits (small deposits less than $1), merchant transactions from PayPal, Square and similar, and external bank ACH transfers not from employers, bank transfers from one account to another account, dividends, wires, mobile check deposits/transfers, or other electronic money transfers, such as those made through internet payment services, and deposits made at a branch or ATM.
• The Bank reserves the right to request documentation that the direct deposits qualify.
• The account must have a positive balance at least one day between 1/1/2024–1/1/2025 to be eligible for the reward payment.
• The qualifying reward payment will be paid into new checking account by end of business day on 5/9/2025.
• The account must be in an open status to receive the reward payment.
• Customers (any account owner) who currently have or previously had a personal checking account between 1/1/2024 and 1/1/2025 are not eligible for this offer. Maximum payment per checking account is $200.
• Not valid with any other offer and may be canceled or changed without notice.

First National 1870 $50 Referral Bonuses

Earn $50 when you refer someone to open a new checking account with certain requirements.

• What you’ll get: $50 Bonus
• Eligible account: Personal Checking Account
• Availability: NM
• Credit Inquiry: Soft Pull or Hard Pull?
• Direct Deposit Required: No
• Monthly Fee: $0-$10; waivable
• How to earn it:
  • Refer someone to open a new personal checking account
  • Have them complete the opening deposit

(Limited time offer)

Fine Print

• 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.

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

Conclusion

These are the current First National 1870 bonuses and offers. If you are interested be sure you act soon before it ends. Additionally, be sure to see if this bonus triggers a soft or hard pull.

Your feedback makes this site even better, so please leave a comment below on your experience and thoughts on this bonus offer!

First National 1870 rates are not that competitive, so be sure to check our best rates Savings, Money Market, and CD accounts.

• Best Savings/Money Market rates
• Best CD Account rates

If you are not interested in the promotion above, use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank, Wells Fargo, Bank of America, and Citi and many more.

Check back often for more First National 1870 Bonuses, Promotions, or Offers!