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RM
RM (@guest_747137)
April 11, 2019 00:20

 William Charles this is back as a $100 bonus for 10+ debit card purchases totaling more than $100

https://www.smcu.org/Landing-Pages/100-Checking-Offer

Steven
Steven (@guest_528839)
December 2, 2017 15:20

Anybody have any DP on when the bonus posts? Is it by month or is it all at the end of the three months? I just finished the first month (approved late oct) and made 25 amazon gift card reloads. Haven’t received anything yet though maybe I should wait a bit longer.

Li
Li (@guest_477215)
September 14, 2017 21:18

I opened the accounts online without any problem.I also funded $3k with CC- didn’t not see any limit though.

Li
Li (@guest_477777)
September 15, 2017 21:39

Freedom.
Actually, I forgot to set its CA limit to 0, but the transaction shows as a purchase after it posted.

Jason
Jason (@guest_475684)
September 12, 2017 14:05

any referral for this CU?send me [email protected]

MontyFC
MontyFC (@guest_375150)
March 22, 2017 19:28

I opened online last week and received a letter asking me to go to the branch.

Looks like few things have changed since the initial DPs came in:

1. I was only able to fund $500 using CC.
2. The membership fee is not waived. It now says “Membership Account: Membership in San Mateo Credit union requires opening Share Savings Account with a minimum of $50 deposit. An additional non-refundable membership fee of $10 will be assessed at the time of funding your new account.”

Given that I have to appear in the branch, which would result in a HP and no-CC funding, I am planning to skip this offer.

MontyFC
MontyFC (@guest_375322)
March 23, 2017 01:35

It was online.

WR
WR (@guest_375242)
March 22, 2017 21:55

That’s odd, the fine print on the bottom of the offer page says that the $10 one time membership fee will be waived. I am a San Mateo county resident, I will try to apply online and fund $500 via CC. We’ll see how it goes. I’ll definitely screen shot that page.

Yu
Yu (@guest_375269)
March 22, 2017 22:38
  WR

Please let us know if you can fund more than $500 via CC.

WR
WR (@guest_375281)
March 22, 2017 22:58
  Yu

Well I’m going to put this on hold. It says explicitly $500 limit. However, it’s Visa/MC only, and right now I’m only working on a minimum spend for an AMEX, so I’m going to hold off on applying for now.

MontyFC
MontyFC (@guest_375323)
March 23, 2017 01:39
  WR

@WR

I agree that its contradictory. On the landing page it mentions that the fees is waived but when going through the application process it mentions that the fee is mandatory and non-refundable. Maybe their workflow wasn’t updated as part of the promotion waiver.

TG
TG (@guest_375083)
March 22, 2017 17:17

Terrible experience with them so far after opening an account. Offer mentions $10 membership fee is waived but they charged it anyway. Haven’t received my debit card or anything in the mail after 2 weeks and the reps are clueless about it and tell me to go to a branch to sort it out. I have a feeling the bonus isn’t going to post automatically and you’re going to have pull some teeth for it.

Yu
Yu (@guest_375093)
March 22, 2017 17:46
  TG

I assume you opened it online. Would you share the following?
(1) Did you fund it via CC? If yes, is it treated as CA or purchase and how much did you load from you CC?
(2) Is this a hard pull or soft pull?

Thanks.

EZ
EZ (@guest_373579)
March 20, 2017 15:31

Guess I’m the guinea pig on this one. Went into a branch again. Though there were almost no customers there, still waited 20 mins for a banker. She then pulled my credit before I could even ask if there was a credit pull. lol.

Not sure how it’d be if approved instantly online, but in-branch: definitely a hard pull and cash-advance/debit funding only. Did get approved and confirmed the $100 bonus after 15 debit purchases in April.

Yu
Yu (@guest_373613)
March 20, 2017 16:14
  EZ

WOW, hard pull!. Did they still allow you to fund the account via CC you provided online?

Also, I was wondering what information they tried to verify?

EZ
EZ (@guest_373725)
March 20, 2017 18:36
  Yu

No, they didn’t let me fund from the cc I provided online. For me the verification was needed because I changed addresses last year. Would love to know if instant approvals are even possible though!

rfclub
rfclub (@guest_371532)
March 16, 2017 19:07

got a letter yesterday asking me to go to the branch.

eclipsor
eclipsor (@guest_369680)
March 14, 2017 11:15

DP called for more information as to how I can get approved and they said that basically they just needed to verify my ID and address and that the only way I can do that is if I were to go in branch. So looks like it’s not really chex related. Too bad I won’t be in the bay area any time soon to stop by their branches :/

eclipsor
eclipsor (@guest_369685)
March 14, 2017 11:23

honestly debating just driving there today, 6 hours lmao

eclipsor
eclipsor (@guest_369796)
March 14, 2017 14:22

I’m just gonna drive down for fun on Thursday, will update

Sinni
Sinni (@guest_372517)
March 18, 2017 13:23

Any update? It looks like no one reported to sucuccessfully opened the account yet.

Yu
Yu (@guest_369702)
March 14, 2017 12:03

Thanks for the update. Did you say you opened 8 new checking accounts recently. Were all these checking accounts opened in 2017 (in the last 2.5 months) ?

eclipsor
eclipsor (@guest_369703)
March 14, 2017 12:04
  Yu

yes, I went a little overboard

MontyFC
MontyFC (@guest_369830)
March 14, 2017 14:43

Thanks for the DP. I have around 5 checking accounts opened in 2017, but your post gives little more confidence :).

I am waiting for a new CSP to arrive and will then use that for the sign-up. I live in the targeted area, so the drive will be less tedious for me, although CA-1 would be beautiful on such hot days like today 🙂

My wife is also trying to reach a sign-up bonus for a CC. I assume it would be ok for her to sign-up as well for the initial funding. I understand the $100 bonus would be issued only one per household but doesn’t hurt if both of us are able to use $3000 funding.

eclipsor
eclipsor (@guest_369508)
March 13, 2017 21:47

Just got a letter in the mail from them “unfortunately we are unable to accommodate your request fr membership based on chexsystems

your qualifile score 0577”

is that a bad score? lol I probably have about 8 new checking accounts this year

it lists a contact number and reference number so I’ll try giving them a call tomorrow.

borntobehermit
borntobehermit (@guest_369562)
March 14, 2017 01:21

I thought that we can safely open 10 new accounts every year, but maybe this bank is more chexsystems sensitive than average. And even that it is unclear if checking+savings at the same bank counts as 1 or 2. Maybe you should apply for a copy of your chexsystems report and see what you get 🙂

eclipsor
eclipsor (@guest_369897)
March 14, 2017 15:48

every credit union I work at tends to take chex pretty seriously compared to big banks