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joanne
joanne (@guest_528660)
December 2, 2017 12:28

Does anyone know when going to M&T website and promo offer doesn’t show up in my area, may I still get offers. The listing on this site includes PA or is it limited to certain areas in PA?

KevinNY
KevinNY (@guest_480920)
September 21, 2017 14:59

Anyone know when the early termination fee took place?

I believe I had opened the account on 8/15/17, I don’t see anything that I saved/received that mentions early termination fee, although it’s possible it was on the website when I signed up (I’ve now learned to screenshot the sign-up pages).

The bonus has posted, but I’d like to close (no biggie if I can’t).

zalmy
zalmy (@guest_433830)
July 5, 2017 16:15

Just got a mailer for M&T offer code QJ. 200 dollar bonus, requires a $100 direct deposit. Until August 12th

Patti
Patti (@guest_433979)
July 5, 2017 20:33

Awesome! Just in time for summer vacation! And when we get back I can start closing out the old ones I opened in Feb. I wonder if I should hold off a while?
Any dp on whether or not closing accts and then opening new ones causes any problems?

Kevin
Kevin (@guest_434010)
July 5, 2017 21:10

I just received it too! Same code! QJ $200! Mine says until Aug 18th.

Kevin
Kevin (@guest_434044)
July 5, 2017 21:49

Just sent Will. I’ve learned a lot from this excellent site so it’s my pleasure to contribute back! Hope they turned out ok! I sent 3 pics.

Luke
Luke (@guest_429352)
June 28, 2017 09:33

Anyone that wasn’t able to open their 2nd or 3rd account couple days after their 1st, were you able to open the 2nd or 3rd later?

Cicero
Cicero (@guest_388914)
April 13, 2017 10:15

Fifth bonus posted today. Ally transfer used again.

Trey
Trey (@guest_390333)
April 16, 2017 07:26

Did you have any problems opening 5 accounts? Just wondering.. any calls or mail from M&T? Or requesting additional things? Or just any annoyance?

Cicero
Cicero (@guest_390474)
April 16, 2017 19:17

Nothing like that. After the 3rd account, the checking account number didn’t appear right after the application. This meant waiting for the checking account number to arrive via snail mail which delayed the bonus by about a week.

Dollar Wells
Dollar Wells (@guest_390763)
April 17, 2017 13:56

Did Ally ask you to do the two micro deposits initially? Wondering if that impacts whether it reads it as a DD.

Cicero
Cicero (@guest_390777)
April 17, 2017 14:31

Ally has an option to verify instantly. You log in through Ally and the micro deposits were not needed.

NBG
NBG (@guest_379676)
March 29, 2017 21:44

Applied for the $200 promo using the new QI code online. Will report how it goes next week when the bonus posts.

MarcoPolo
MarcoPolo (@guest_380019)
March 30, 2017 11:01

That’s great NBG.
Keep them coming 🙂 🙂 🙂

NBG
NBG (@guest_383099)
April 4, 2017 14:41

Bonus posted.

Frito Pendejo
Frito Pendejo (@guest_380405)
March 30, 2017 19:37

Hmm… I have 3 m&t accounts currently open. I tried this one and I get the usual confirmation but it doesn’t actually list the account number. Just says EZ Choice Checking with no number like normal, then the routing number

Harry
Harry (@guest_380431)
March 30, 2017 20:21

Happened to me as well last night – I had to call this morning to get my account number. One person said they cannot give over the phone but after couple of transfers the third person gave it after some verification of personal details. It might be because at times their systems are down like in at night (computers need to sleep too ?:-)) or also because I pressed a “previous” button on the application – no this is not the browser button, but just pressing even the previous button could cause the failure it appears (just from my experience that is)

MarcoPolo
MarcoPolo (@guest_380565)
March 31, 2017 01:23

No need to worry. You’ll receive your Debit card in the mail and by that time your new account will show up under your previous login.
Once it shows up then you can SM about your account number and it will show up in your sent SM (secure message) header.

Patti
Patti (@guest_380653)
March 31, 2017 07:30

So are you thinking this is some computer glitch? Or that maybe 3 checking accounts is the max they allow. Are they 3 different types of checking or all EZ?

MarcoPolo
MarcoPolo (@guest_378089)
March 27, 2017 22:23

Great tip @Patti regarding moving 50 cents back and forth between M&T accounts.
Now regarding Problems with Capital One 360.
That’s why I have an Ally account.
Ally allows you to link TWENTY external accounts.
Not only that but it also does “instant verification” for most banks so that you don’t have to wait for the “trial deposits” to post.
It also has dedicated “Activity” page where you can see all the transfers etc.
As I have said earlier, there are many many other advantages in having an Ally account.
I hardly ever use my Capital One 360 account which pales in comparison to Ally 🙂
Try it out and you’ll never go back to Capital One.

Patti
Patti (@guest_378315)
March 28, 2017 07:48

I did check out the link uou posted from fatwallet and it seemed to have quite a few complaints about the website itself having a lot of issues.
Also I have a lot of sub-accounts with Cap One with various automatic transfers. It would take a lot of time & effort to set all of that up again with Ally.
My gripes with Cap One are minor and as of yet are not bad enough to make me switch.
Also there are many, many data points regarding Cap One transfers triggering direct deposit bonuses and barely any for Ally. Maybe it’s simply a matter of popularity differences but to me Cap One is still reliable.

MarcoPolo
MarcoPolo (@guest_380016)
March 30, 2017 11:00

@Patti
I never had any issues with Ally website.
I have both Ally and Capital one so I am in a good position to compare 🙂
In addition to the things I have already mentioned about Capital One another thing I hate is that that Capital One holds you money “hostage” for few days once it reaches your account. Ally doesn’t do that.
At the end of the day it’s your choice but I can assure you that once you try Ally you’ll never go back to Capital One. Everything is a breeze with Ally.

Harry
Harry (@guest_380425)
March 30, 2017 20:17

Any referrals, bonuses, etc for opening Ally account currently available? I too am currently C1 customer but agree with you on the issues with C1 and have been looking for alternatives. I am sold based on your feedback and thanks for that. Only right to give you referral credit.

MarcoPolo
MarcoPolo (@guest_380563)
March 31, 2017 01:20

@ Harry
I am not aware of Ally ever having any bonuses. It is still worth having an account with Ally since it makes it very easy to do these bank bonuses deals.
I was actually a GMAC customer which reincarnated into Ally. Prior to doing these bank bonus deals, I was just using my Ally account as a hub to move money from my one bank account to another.
I am also with Capital one since it was known as ING Direct.

Patti
Patti (@guest_378070)
March 27, 2017 22:03

We did the $250 bonus & the $200 bonus a week apart. I didn’t have any problem downgrading from Premium checking to EZ checking after the bonus posted but Capital One 360 froze my son’s accounts until he called to explain why he had 2 M&T accounts on his list of linked external accounts. I could see why this might raise some red flags for their security dept but they kept him on hold while they called M&T to verify that both accounts were indeed his.
Kind of weird that they chose a 20 year old to pick on when dh & I both had the same situation and are much more experienced at banking than our son. He’s been a Cap One customer since he was around 10 or 12 so it’s not just a new account issue.

Just something to consider. So now I’ll make sure I transfer out everything except $0.50 minimum, once the bonus is posted, then remove M&T as an external account. I can transfer that 50 cents back and forth so both M&T accounts have some kind of activity each month so no service fees and just before I close it, I’ll use the debit card to reload an Amazon gift card to pull out the last few cents.

Mike t
Mike t (@guest_378031)
March 27, 2017 21:07

Any issue having multiple accounts of the same type? I got 4 bonuses already. Can I open up another ezchoice checking with a new bonus offer or will it deny me a duplicate account.

Daniel
Daniel (@guest_377168)
March 26, 2017 12:50

Hey Sir Charles,

There a new $200 bonus for code QI i was informed and applied for while in branch. It started 3/24 but I have no idea when it expires.I went into a branch to open a M&T ez choice checking using QL however they couldn’t find the code and instead they gave me that.

Mike
Mike (@guest_377257)
March 26, 2017 17:11

Is that QI, same as Q”I” as in “igloo”?

Daniel
Daniel (@guest_377327)
March 26, 2017 19:22

Yup! Q and I as in igloo

Daniel
Daniel (@guest_377328)
March 26, 2017 19:23

The banker printed out the flyer but I didn’t take it :/ Definitely said QI, saw it myself. I’m working on the bonus now so I’ll confirm the bonus once I get it

Patti
Patti (@guest_377368)
March 26, 2017 21:41

Yay Daniel!!
I’ve been so spoiled by all of the $200-250 bonuses that I almost had to resort to chasing a $150. hee hee.

I love M&T and love, love, LOVE this website!

Thank you so much!
🙂

james
james (@guest_377969)
March 27, 2017 19:26

How many accounts is it OK to have open with M&T? I already did the past three bosses (two $200 and one $250), would opening another account cause problems?

Michael
Michael (@guest_379942)
March 30, 2017 09:09

I received a mailer for this…Will email you soon!

The gift that keeps on giving…

Ben
Ben (@guest_379939)
March 30, 2017 08:58

Any updates on your bonus? I guess it has only been a couple of days, but just searching for a DP for code QI.

Cheers!

Michael
Michael (@guest_380209)
March 30, 2017 16:00

I received a mailer and emailed it to William, so I’m sure we’ll see a post in the coming days. But I can guarantee the QI deal is real and is for $200…expiring May 24, 2017.