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Ryan
Ryan (@guest_510547)
November 7, 2017 16:19

Expired.

Terry
Terry (@guest_411040)
May 26, 2017 21:02

I clicked on direct offer link and the page that it took me to looked like it was only available at Edwardsville and Fairview Heights. I emailed the bank inquiring about the GET275 promo code and I received a response that it was only available in the Edwardsville and Fairview Heights markets.

John K
John K (@guest_419396)
June 12, 2017 16:15

I’ll let you know how it goes since I don’t have an Edwardsville or Fairview Heights market Zip and I am in their area. Just my opinion, but the fine print of the offer itself isn’t clear that this is only for those markets. In fact, when I go to that webpage, it seems to me that the Edwardsville and Fairview Heights deal is for the special savings rate.

Get $275*
When you open a Clear E-Checking
Account with Direct Deposit.
Open your account online using promo code: GET275
CALL 866-770-3100
EMAIL
FIND A BANKER
VISIT TOWN AND COUNTRY BANK
© 2017 Town and Country Financial Corporation
All Rights Reserved
Financial Privacy Disclosure
Financial Privacy Opt-Out Form
Other Disclosures
*$275 Bonus for Checking with Direct Deposit: Offer not available to existing Town and Country Bank (referred to as TCB) checking customers, and those who have closed an account within 90 days. To qualify for the bonus you must open a new qualifying TCB Clear E-Checking account with a $50 minimum opening deposit of new money (money not currently held by TCB). Also, within 60 days of account opening, we must receive a monthly electronic direct deposit, minimum of $100 per deposit, of your payroll, pension or government bene ts, such as Social Security. The bonus will be deposited into your new account within 30 business days after your initial direct deposit is posted to your account. Limit one checking account-related bonus per customer, per calendar year. The bonus is not considered part of the minimum opening balance. Checking account must remain open for a minimum of 180 days in addition to the direct deposit or the bonus amount will be debited from the account at closing. In addition, the checking account must remain open for 180 days or an Account Closing Fee of $20.00 will apply. Account is subject to approval. Customer will receive electronic monthly account statements. The bonus is considered interest and will be reported on IRS Form 1099-INT. Offer available through March 31, 2017.

^ Nothing above mentions specific locations.

Also, let’s not forget the PSA: https://www.doctorofcredit.com/dont-call-the-bank/

John K
John K (@guest_404670)
May 10, 2017 20:05

After completing the online application and supplying a method of initial funding, I was presented with the following:


 Congratulations!
You have successfully set up your account.
 
An email from DocuSign System will be sent to the email address provided.  Please follow the instructions in the email to complete the electronic signing of your account documents. 
Once we receive your electronically signed documents and your new account funds have been verified and received, your Town and Country Bank/Peoples Prosperity Bank, a division of Town and Country Bank,  account will be opened.*
If you have questions, please contact our Solution Center at 866.770.3100 or [email protected].
 
 We look forward to serving your financial needs.
 
 *If your documents are not received within 7 days, your account will not be opened. 

I then immediately received an email titled: “Town and Country Bank : Account Application Acceptance Notification”

With the following in the body: “Thank you (name) for your application.  We have received your application and will contact you shortly.”

No option to use a debit or credit card to fund account online.

Be sure to include the promo code at the end of the application. It was not automatically populated.

John K
John K (@guest_404734)
May 10, 2017 21:37

Just applied tonight, will continue to check big 3 and update in 7-10 days if anything pops up or if I get a copy of my pull in the mail.

They did ask me verification questions – current loan payment amt, vehicle type, etc… not sure if that means anything though.

JJ
JJ (@guest_404771)
May 10, 2017 23:37

Was rejected after applying. Letter I received had boxes to check as reason for denial for Experian, Equifax, Trans Union, and ChexSystems, with only ChexSystems box checked. So, I think they pull ChexSystems (at least for some).

John K
John K (@guest_406502)
May 15, 2017 12:08

Soft pull.

TU/Equifax on credit karma dated 5 days after app – no hard pull noted.

Experian on annualcreditscore.com dated 5 days after app – no hard pull noted. Soft pull on date of app noted (included under “Inquiries shared only with you” section)

Also put in my annual request for a chexsystems report. Will report back after received.

MP90
MP90 (@guest_407592)
May 17, 2017 17:25

You are the embodiment of “Be the DP you want to see” sir. Thanks for your contributions.

John K
John K (@guest_419392)
June 12, 2017 16:09

Thanks, happy to share what I can!

Chexsystems is a positive – I received my report and I see a data point from this bank on there. It was under Peoples Prosperity or whatever their corporate name is.

John K
John K (@guest_419393)
June 12, 2017 16:10

TL;DR: Soft pull, but pulls Chexsystems. 🙂

John K
John K (@guest_405443)
May 12, 2017 08:40

The next day I received an email to electronically sign the documents they discussed above. it was a painless process through some site/system called DocuSign.

John K
John K (@guest_405444)
May 12, 2017 08:41

Oh and I forgot to say – at that point I gained access to an account number, so I think everything is open at this point, although I’ll hold off til I receive a welcome packet to try to set up DD/online banking. They also give 20 free checks.

bob
bob (@guest_406511)
May 15, 2017 12:28

do you live in the county(s) listed? if not, how did you circumvent the requirement?

John K
John K (@guest_406512)
May 15, 2017 12:30

I live in one of the targeted counties.

Jack
Jack (@guest_403287)
May 8, 2017 11:37

I applied online and got this message at final page:: Thank you for your application.
Your information is being reviewed by one of our local bankers who will reach out to you within the next hour.
Anyone else got the same message?? Not sure if it got approved or may get declined…

MP90
MP90 (@guest_403237)
May 8, 2017 10:08

This is very exciting. A good bonus at a bank I’ve never heard of that I’m somehow qualified to apply for. Good stuff.
Any word on the nature of the pull yet guys? I’d probably try it if nobody else does.

Terry
Terry (@guest_402993)
May 7, 2017 20:02

Any DP yet on whether this is a hard or soft pull?

rubixx
rubixx (@guest_402784)
May 7, 2017 10:59

It seems you can only open an account online if you reside in the following counties.

IL: Adams DeWitt Madison Moultrie Shelby
Bond Greene Mason Piatt St Clair
Brown Hancock McLean Pike Tazewell
Calhoun Jersey Menard Randolph Washington
Cass Logan Monroe Sangamon
Christian Macon Montgomery Schuyler

Clinton Macoupin Morgan Scott

MO: Lewis Marion

The first step of the application asks for your zip code which will reject if it isn’t in those counties listed above. They state you can call or email however to open the account.

Not sure yet if I will pursue this further.

EO
EO (@guest_402786)
May 7, 2017 11:02

I also just tried the trick of inputting a zipcode from one of those counties initially with the intention of replacing it with my real one. But the app was setup to hardcore the initial zip you entered so you can’t modify it. Oh well.

rubixx
rubixx (@guest_402787)
May 7, 2017 11:03

And to add to this, if you populate the field with an eligible zip (ie 62704 for Springfield), you cannot change it later on in the application

TJ
TJ (@guest_402874)
May 7, 2017 15:23

Why not open this to the whole state of IL? They won’t get very many prospects in the corn fields and oil fields.

Matt
Matt (@guest_402902)
May 7, 2017 16:26
  TJ

Because people who don’t live near one of their branches would probably just be applying to get the bonus, and wouldn’t be profitable for them. Also, they surely wouldn’t want to do business with someone who holds such condescending views about the communities they serve.

TJ
TJ (@guest_403040)
May 7, 2017 22:28

Well that is the whole idea – to get people to apply because of the bonus. Whether it is profitable or not depends on how long they retain them – near or far. Location is not much of a factor when it comes to online banking. Not being condescending, just making a demographics observation.

Wong
Wong (@guest_403129)
May 8, 2017 03:03
  TJ

It seems that Matt mentioned it out of ignorance considering that oil field workers make pretty damn good money.

C J
C J (@guest_402783)
May 7, 2017 10:53

Illinois Counties

Adams DeWitt Madison Moultrie Shelby
Bond Greene Mason Piatt St Clair
Brown Hancock McLean Pike Tazewell
Calhoun Jersey Menard Randolph Washington
Cass Logan Monroe Sangamon
Christian Macon Montgomery Schuyler

Clinton Macoupin Morgan Scott
Missouri Counties

Lewis Marion

Iz
Iz (@guest_402803)
May 7, 2017 12:00

Oh man, I got super excited for this….