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Tomtoo
Tomtoo (@guest_329402)
December 20, 2016 01:50

Possibly due to the above mentioned merger, the FirstMerit Shop and Earn program has been terminated and they paid my bonus early. The bonuses were not to be paid until 1 year + 30 days after opening, which would have put me into March of next year. I was happy I could get rid of another account, until I heard the horn playing “wuh wuh waaaaaa”. Then I remembered 2 things:

There is still an account closing fee of $25 if closed within ONE YEAR of account opening.
While waiting that out, there is still an inactivity fee of $25 for 90 days of inactivity.

So beware if you are in a similar position.

J Flag
J Flag (@guest_315946)
November 16, 2016 15:52

Has anyone opened an account recently? I am interested in the account solely for the CC funding so any info on that would be very helpful!

Don L
Don L(@don-l)
August 26, 2016 13:46

Looks like First Merit will be going away – merged into Huntington Bank

https://www.huntington.com/FirstMerit-merger

Don
Don (@guest_256897)
May 7, 2016 22:58

I was charged a cash advance fee for using Chase Freedom to fund the account – will attempt to get this corrected – my cash advance limit was set to the minimum of $20.

Would have posted this on the https://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/ thread, but it doesn’t look like comments can be added anymore.

Shan
Shan (@guest_291653)
September 4, 2016 19:33

I’m planning to open an account. May I know how much you funded with Freedom? Thank you.

Dan
Dan (@guest_224343)
February 10, 2016 13:38

Just something for people to be aware of. When you are opening the Reality Checking account, you need to enroll in the MeritRewards Shop and Earn program in order to be eligible for the $150 account bonus. This service costs $1 per month, but I called in and inquired, and you can cancel the service after meeting all account requirements within the first 90 days, and that will avoid the $1/month while keeping you eligible for the signup bonus.

william
william (@guest_84058)
March 3, 2015 14:27

i opened an acct 3/3/2014. made 2 direct dep. for 2 consecutive mos. of $250
paperless statements
3 bill payed for 4 consecutive mos.
thought i had met all requirements. expected $150 on 3/3/2015 wrong
i was given $75 when i inquired why i was told that i have to have two direct dep. of $250 each month
in other words a total of 4 dep in two consecutive mos. which would be 2x$250 for two consecutive mos.
the wording is intentionally misleading. and when i tried to close the acct they said it would be a $25
fee because it hasnt been a yr. what? mar3 2014 to mar3 2015 isnt a yr.? go figure. obviously i dint pay the fee, i withdrew all my money . i called them and gave them a piece of my mind

Tom
Tom (@guest_225362)
February 12, 2016 22:21

Thank you very much for the verification. I thought the same as you. I re-read the terms in this light and yes, now that you brought it to our attention it DOES say EACH month, but worded badly.

JK
JK (@guest_58920)
January 8, 2015 16:40

My application was declined. Tried to open with 10K. Got an email today that my application has been cancelled and I need to go in branch if I need more information.