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Max
Max (@guest_653119)
October 5, 2018 13:48

Warning: the bank was adamant that they would NOT pay the bonus a second year, and had even been sued and won in court. Terms say “one free & easy checking account per customer” even though it then says “can’t have had an account in last 6 months.”

SH
SH (@guest_627419)
August 6, 2018 10:26

Opened this account in their new South Boston branch. I received the $100 bonus on approximately the business day following the 90th calendar day after my first (and only) direct deposit hit the account. Small but easy bonus to get.

M
M (@guest_629060)
August 13, 2018 18:48
  SH

Was it an employer DD or something else?

Carigis
Carigis (@guest_619940)
July 21, 2018 06:07

No credit card funding offered. If you need that data point.

C
C (@guest_606734)
June 18, 2018 12:52

Couple of updates – no cc funding option, minimum to open is $10 online (transfer from other account)

S
S (@guest_587387)
April 27, 2018 15:02

Cap one 360 looks promising from a DD requirement perspective, logged in transaction record as a Direct Deposit with only micro deposits and my DD deposit. Will report back if bonus hits as expected mid July,

Kevin Nguyen
Kevin Nguyen (@guest_621226)
July 24, 2018 13:50
  S

Has the bonus been posted? I haven’t seen mine after 2 DDs from tax returns.

Kevin Nguyen
Kevin Nguyen (@guest_571957)
March 19, 2018 17:32

The fine print says “offer good at Dedham Savings’ South Boston branch only.” Must be a new branch they just opened.

Chucks
Chucks (@guest_571273)
March 17, 2018 13:55

I’m always so sad when there’s no thumbnail and just the Xed out camera. Maybe you should use the DoC Dollar-Cross logo when there’s no pic?

Adam
Adam (@guest_428618)
June 27, 2017 13:59

Opened online about a week ago. Initial funding was $10 via ACH pull from outside account. So far no evidence of $50 opening bonus. Employer DD will happen later this week, so we’ll see about $50 DD bonus after that.

Max
Max (@guest_426337)
June 23, 2017 15:23

Tried to open this account online, declined. Called the number they provided. The first person said the generic thing about “a letter will be sent to you with the reasoning. It has to do with ChexSystems, you can call them to find out more.” When people say this on the phone I say “ChexSystems is a reporting company, it does NOT make the decisions on whether to approve an application, the bank does.” Asked to be transferred to someone who knows what’s going on. I’m partly playing dumb but also trying to determine whether this is due to excessive inquiries, whether it’s worth it me going in to branch or not, etc. Next I get someone who explains “in an online application there’s a score, and if your score isn’t high enough, it can’t approve you online.” FYI my Chex score is 538. In the end he DID suggest I go into a branch because there is an override mechanism. Then I go into a branch (en route got free Amex Delta donuts lol) and the process was ultimately successful but a little curious. The CSR said hmm there’s a bit of a problem, have you opened a bunch of accounts? Then she makes a phone call to… someone in the bank, and says “I’ve got a customer here…. no derogatory marks, everything’s fine, but he does have a lot of inquiries… something something Qualifile score…” They do some override and approve me, great. But here’s the thing I’m interested in. Even after a million Chex inquiries (20/6) my Chex score is fine and probably more affected by “very low evidence of wealth” and no property ownership etc. However I’ve seen my Qualifile score. On a range of 100-9000 my score is 101. ie Qualifile punishes people heavily for inquiries. I conjecture in fact that a bank is inquiry sensitive if and only if it uses Qualifile. Perhaps we can ask for readers making applications in person to ask which consumer reports will be pulled, especially regarding Qualifile, to determine whether a bank is sensitive. Eg Bank of the West denied me and showed me my Qualifile score in person. After that all was well. The $50 bonus was put into my account immediately, ie I deposited $10 at opening and then the balance was $50. They also gave me a free T shirt. It’s green and has the zip code of the South Boston location so might be exclusive to that branch. It’s a decent T. I’ll report back when my dir dep posts. I’ll try Alliant first then real DD. TLDR: denied online due to Chex inquiries. Approved in branch. $50 bonus deposited immediately. Got nice T shirt. Typed this up on the train on the way back lol. I think whether Qualifile is used is the secret to inquiry sensitivity. PS: There is also a $200 business checking bonus. This bonus sounds awesome, $200 deposited after 30 days with no requirements and no fees. However I think… Read more »

Max
Max (@guest_571266)
March 17, 2018 13:09

Oh sorry I never noticed this followup. For the biz bonus? It was in branch. I imagine it might still be there now, worth a call to find out.