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bob wiley
bob wiley (@guest_425289)
June 22, 2017 09:36

Does transferring money from M&T to another bank via ACH count as account activity to avoid the monthly fee?

MoreSun
MoreSun (@guest_425380)
June 22, 2017 11:07

It has for me. I pull from M&T using Ally on a recurring monthly basis. Set it and forget it until it comes time to close!

Patti
Patti (@guest_423321)
June 19, 2017 13:47

I opened #5 last week. Instead if the usual, “we need to verify your info” it showed the new account # at the end of the app. Also from that last page when it lists the new acct # I scrolled to the bottom and clicked the link for current acct holders sign onto my log in. The new account was listed there with the other 4.
This was around 11pm EDT so not even during business hours.
So after hearing about how easy dd pushes are with Ally, I opened an Ally account. Then made the dumb mistake to immediately enter my new M&T acct info so I can push from Ally. I should have waited a day or 2 instead of doing it all within an hour of opening both.
Ally’s trial deposits occur so quickly that my new acct was not even recognized in M&T’s system yet and denied the trial deposits. I called Ally to ask them to resend them and that I probably should have waited a bit before creating a link but it’s too late. For fear of fraud they will not attempt until I fax them something on M&T letterhead saying I am the owner of the account. So hopefully M&T sends their usual new account letter with account info. Just to prove them wrong at this point. I’ve already moved on with a push from CO360.

MoreSun
MoreSun (@guest_425388)
June 22, 2017 11:15

Ouch!

I was just coming here to post to you Patti! I did the wait 30 days before attempting to open again (actually I waited a few days over that) and I opened my account just fine. I got the account numbers on opening as well, account showed up online immediately, I then linked to Ally and the trial deposits were there the next morning. I did this all during EST business hours though, maybe that’s what got you? But I’ll definitely wait next time! Now, I won’t be getting a bonus after all this effort- my stupid mistake- I read entering no code was a bonus even in the past and since I did the current active codes already I decided to give that a whirl. It didn’t work, this would have been obvious if I had remembered the couple of people who never got bonuses on accounts because we suspected they failed to input the code… but I didn’t remember that until AFTER I opened the account!

I’m impatiently awaiting the next code now 🙂

Patti
Patti (@guest_425712)
June 22, 2017 19:05

I’m kicking myself now for waiting so long in between. I missed out on a $150 and a $200. With hubby accounts that’s $700. grrrr….
I’m always afraid to push my luck. I just opened 2 more last week (1 for each of us) and think I’ll squeeze 2 more in next week. It might be a while until any new one are released. I wonder if they’re figuring out what’s really going on?

churnbro
churnbro (@guest_418957)
June 11, 2017 20:27

Currently 5 M&T checking accounts in. Got 3 of 5 bonuses so far. During the online sign up process, I always select that I don’t currently have an account with them, then I call them up to join the newly opened accounts to my current online banking login. I wanted to ask if anyone knows if selecting that you have a current account will still qualify you for the bonus. thanks

TonyRX
TonyRX (@guest_418966)
June 11, 2017 20:54

Yes it does

churnbro
churnbro (@guest_418985)
June 11, 2017 21:31

thanks Tony!

Patti
Patti (@guest_418989)
June 11, 2017 21:37

Yes, it still works. The new account will show up in your online log in within a day or 2. Some reports of it taking a bit longer were posted but seems eventually, it does.

DeauxBois
DeauxBois (@guest_410897)
May 26, 2017 12:49

Any DPs of this code getting extended again (beyond the May 24th expiration)?

borntobehermit
borntobehermit (@guest_417623)
June 9, 2017 07:35

+1 I would like to know the answer as well.

Patti
Patti (@guest_418532)
June 10, 2017 16:41

I’d like to know too.

DeauxBois
DeauxBois (@guest_418538)
June 10, 2017 16:58

I guess it’s time for me to be the DP I want to see. I just applied for a new account using the QL code. The app was approved, but for the first time, I didn’t get the account number on the confirmation page … only the routing number. I’ll report back once the “direct deposit” posts.

Patti
Patti (@guest_418539)
June 10, 2017 17:02

2 thumbs up for bravery and courage.

BonusHero
BonusHero (@guest_419325)
June 12, 2017 14:15

I’ve noticed this happens on the ones opened on weekends. Looking forward to see if it posts. I’d like to get this one, too. I missed QL and QE

BonusHero
BonusHero (@guest_421933)
June 16, 2017 14:17

Any update on it yet?

DeauxBois
DeauxBois (@guest_421946)
June 16, 2017 14:35

Not yet. My DD is pending and should post tomorrow morning — hopefully with the $200 bonus. I’ll keep y’all posted.

DeauxBois
DeauxBois (@guest_422328)
June 17, 2017 10:43

The direct deposit posted, but NO BONUS. It looks like it’s actually expired.

Honestly, I’m surprised. I have such low expectations for M&T’s competence that I was fully expecting the bonus to show up when I logged in this morning. Oh well…

JC
JC (@guest_422341)
June 17, 2017 11:28

I appreciate the info. Don’t give up yet. Perhaps it’ll post on Monday. If so, please keep us posted. Thanks! Enjoy the weekend.

DeauxBois
DeauxBois (@guest_423190)
June 19, 2017 10:28
  JC

Still no bonus on Monday 🙁

Ken
Ken (@guest_423193)
June 19, 2017 10:31

Wow, I’m surprised that M&T seems to be enforcing their terms for a change. But that should be a lesson for all of us to not reuse codes and/or use expired codes and waste a Chex inquiry.

Thanks for the followup.

DeauxBois
DeauxBois (@guest_423192)
June 19, 2017 10:29

Thanks for the site. The data collection you’ve put together has provided more value than I could possibly repay.

BonusHero
BonusHero (@guest_422549)
June 17, 2017 23:59

I’ve the same exact low expectations. But the Monday thing has happened with me; I just assumed at the time that if transaction posts after a certain time frame the bonus is not triggered. All but one of my bonuses have posted on Saturday with the transaction and all but one of my account numbers were generated right after the application. So may be there is light at the end of the tunnel or may be I am wishful thinking. Keep us posted.

Jeff G
Jeff G (@guest_408525)
May 20, 2017 01:44

Anyone seen this before? I am not in the state that is targeted.

Notice

Thank you for applying for an M&T Bank account. Due to the information you provided, we are unable to process your application through the online channel. For assistance, please contact us at 1-800-724-3222 or visit one of our local branches.

Jason Sullivan
Jason Sullivan (@guest_408804)
May 21, 2017 03:21

I just opened an M&T account from Texas (second in two weeks) with no issue about 30 minutes ago. Do you have a lot of recent Chex hits?

Eli8
Eli8 (@guest_408820)
May 21, 2017 05:45

GOT THIS TOO!

So annoying. Any fix?

Ken
Ken (@guest_408913)
May 21, 2017 16:24

@Jeff G – Are you a US citizen?

Jeff G
Jeff G (@guest_408919)
May 21, 2017 16:41

Yes, US citizen.

No, not that many Chex hits.

NBG
NBG (@guest_408944)
May 21, 2017 18:47

One possible reason: That error from M&T and similar kind of error in other banks online application comes if your SSN was issued recently (or a fairly new SSN – <5 year?).

Jeff G
Jeff G (@guest_409160)
May 22, 2017 13:36

No, same SSN, no changes or new.

Looks like I will give it two weeks.

MoreSun
MoreSun (@guest_408981)
May 21, 2017 21:15

Many of us have. I tried a couple weeks later, same message. I’m gonna give it a month this time.

Patti
Patti (@guest_409089)
May 22, 2017 07:40

I wait a month too. I can’t let greed take over my rational half. We have a good thing going here and I don”t want to blow it.

lingua
lingua (@guest_408454)
May 19, 2017 19:12

thanks! much appreciated

lingua
lingua (@guest_408323)
May 19, 2017 14:58

any dps on if transfers between m&t accounts count as a fee waiving transaction? couldn’t find any…

James
James (@guest_408330)
May 19, 2017 15:16

Yes they do. All of my accounts so far have had the service fee waived woth just transfers.

Lee
Lee (@guest_407660)
May 17, 2017 22:25

Interesting developments today:

I have opened 4 M&T accounts over the past 6 weeks: all EZ Choice, using different promo codes. The last account I opened was 5/15. I have already received bonuses on my first two accounts.

About a week ago, I initiated an ACH pull with Chase to withdraw from these two M&T accounts, even leaving $25.00 in each of them. They seemed to clear on Chase without any issues, but the amount was never removed from M&T.

Today, I got 2 secure messages from Chase saying: “We tried to transfer $300.00 to your external account by 05/15/2017, but the other bank wouldn’t accept it because it informed us the account is frozen.” The Chase balance no longer included the transfers. (NOTE: I was confused by the language “TO your external account”, but these were definitely pulls from M&T to Chase.)

Logging onto M&T, everything looked normal – and no transfer activity at all. But I was worried about this “frozen account” message from Chase. So I tested my accounts by setting up a transfer between M&T accounts. As feared, it was rejected, and I got a message telling me to call their customer service number.

I don’t know of any unusual activity that could have caused red flags (I don’t even have that many accounts compared to other users here). Of my 4 accounts, I have only gotten 2 bonuses; the other 2 have just been funded so far. Comparing this to the info provided by Jags, I don’t have Mint or anything similar accessing my accounts, and my online account is not frozen – I can see my statements.

I HOPE it’s just because I have a brand new account and the freeze will go away on its own. I desperately don’t want to call their customer service line, especially considering I may end up being transferred to the “Enterprise Security Team”.

Any other ideas from the folks on DoC? Did I do something wrong? Looking back, the only other thing I can interpret as a problem is that I set up my ACH pulls from the same account I had the deposits from. I didn’t consider it before now.

Obviously, I’m going to wait it out for now and report back, but any advice will be much appreciated.

NBG
NBG (@guest_407667)
May 17, 2017 22:42

See if you can withdraw money at an ATM. Also try few bucks of Amazon reloads using the Debit Card or a real Gas station/grocery use of the debit card.

Ken
Ken (@guest_407672)
May 17, 2017 23:13

A few of us were having trouble linking M&T accounts a few days ago, and they were being returned as account doesn’t exist or similar. Tried again and both accounts linked fine. Also Mint couldn’t find the accounts either. Seemed to be some glitch on M&T’s end that lasted for a few days.

Lee
Lee (@guest_407915)
May 18, 2017 17:08

Update:

Couldn’t log on to Chase this morning. Got the message “account suspended, please call…”. I called them and entered my debit card number, and was given the automated message, “this card is closed”. Great. Continued on, and was transferred a few times to different people. Finally got “we’re ending our relationship with you”. When I said that I didn’t understand the cause, I was told that no more information was available and a check for the remaining funds will be mailed within 7-10 business days.

Other info she gave me:

– My credit card accounts will remain open *sigh of relief*
– No date given for possibility of opening a new checking account, just that when I attempt to open an account, I will be looked over by a review team.

While I would have preferred to keep Chase open, it’s not the end of the world. Hopefully no negative Chex impact. I’ll get my Chex report AFTER everything is resolved with M&T.

No updates directly from M&T yet, but it’s only been a few hours. I haven’t tried NBG’s suggestions, but now I’m a little concerned about using the cards with any other accounts, even Amazon. As far as the ATM withdrawal and debit card transactions, I don’t have much hope, but I may try them soon. At this point, not knowing exactly what went wrong, and watching my other (legit) checking accounts close, the bank bonus game isn’t quite as fun anymore.

I’ll post updates as more info becomes available.

eclipsor
eclipsor (@guest_408609)
May 20, 2017 12:02

so strange. have you been depositing MO’s or anything in Chase? I wonder if this is literally just because of adding new transfer accounts and transferring

Lee
Lee (@guest_408622)
May 20, 2017 12:55

No money orders, no MS activity. Totally clean account except for the new transfer accounts. I set up several (maybe 5), including my legit accounts, and then the first transfers I attempted didn’t go through. So that may be the reason.

Small update: Chase credit cards still open, but I can’t login to my online account. I’ve been putting off calling them because I’m scared they’ll close them too, but I’ll have to call soon.

Ehsan
Ehsan (@guest_407628)
May 17, 2017 19:41

Hey guys!

So this is my first bank bonus attempt. I live in ND so things seem to be moving very slow. I went ahead and set up everything but it seems to be moving very slowly. I deposited the initial $25…and verification took nearly 5 days. Now I have a pending $100 transfer from my WF Savings account. How long until i should see the bonus pending? The WF transfer has been 3 days and its still pending :/

Patti
Patti (@guest_407653)
May 17, 2017 22:03

Wow, I don’t know why it’s moving that slowly. Then again I only did WF to get their bonus so I don’t know how efficient they are at pushing $ to other accounts. If I did transfer with them, it didn’t stick out in my mind that they were crazy slow like this.
Once I see a deposit pending, it usually posts the next business day along with the bonus too. The last account I got the bonus with, I scheduled the transfer from Cap One 360 on a Thurs, was pending on a Friday after work, then posted along with the bonus by Saturday morning. I was very surprised to see any changes occur between Friday evening and Sat. am.

Ehsanul Haque
Ehsanul Haque (@guest_407658)
May 17, 2017 22:22

A friend of mine (who is in one of the listed states) received his 3rd bonus before i got my first even though we started around the same time. Its just incredibly slow. I mean if i get my $200, i will happily take it. I made a 2nd account a few days ago but still waiting on the progress of that account. I just want this first try at a bank bonus to go smoothly!!

MoreSun
MoreSun (@guest_408982)
May 21, 2017 21:19

My bonus posted once my transfer posted. It didn’t go pending, just posted. Just be patient for your initial transactions to go from pending to posted.

DirtyLilRat
DirtyLilRat (@guest_405958)
May 13, 2017 15:33

Says my “payment and transfers” options not activated… So I can’t initiate a transfer from M&T. I probably shouldn’t call them.

Patti
Patti (@guest_405965)
May 13, 2017 16:02

That just means you haven’t set up a linked account through M&T. It’s not really worth the effort because M&T charges $3 for every transfer initiated by them. If you want to transfer $ it’s usually better to initiate it from another bank account.

MarcoPolo
MarcoPolo (@guest_406078)
May 13, 2017 23:56

You can easily set up M&T to M&T transfer by validating transfers by selecting an account and inputting your corresponding Debit Card #

MarcoPolo
MarcoPolo (@guest_406080)
May 13, 2017 23:57

^ meant to say Debit Card PIN#