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G
G

Opened account Aug 2020 and tried to fund online. Citi was coding it as cash advance.

Grant

I opened the account on 1/25/2018 and the funds from the bonus were being held for 9 months. I just checked and my funds are available in my account. I just transferred all the funds out of my account, but they are holding on to $25 in my savings account. When I close the account, they should be able to send me a check for $25.

Sergey
Sergey

It has been ten months since I opened this account, and I have already received the bonus. Can I just abandon the account or do I have to officially close it?

Yati
Yati

waited til the last day for this promo 3/31/18 and the link didn’t work. So I called in and inquired. Here’s the new link for the new promo and it says it’s available til 12/31/18. https://www.techcu.com/banksmart/ Hope this helps those like me that waited til the end.

Chris
Chris

Note the fine print. Now says it’s restricted to Bay Area counties. Don’t know if that’s being enforced.

MoreSun
MoreSun

OFFER HAS CHANGED. Note in the fine print for “banksmart” the $50 part now says “To qualify for $50, within 90 days of opening a new Tech CU checking account, also open a new Tech CU certificate with a minimum 18-month term and a minimum $1,000 opening balance.“

Grant

Here are my data points from this bonus:

1/25/18: signed up online and funded $125 with my credit card
2/7/18: $500 direct deposit posted
2/11/18: 3 bill payments sent
3/2/18: $500 direct deposit posted
2/28/18: $100 and $50 bonuses posted to my account
3/2/18: 3 bill payments sent

Looks like I have to keep the account open 9 months before closing…

Jim
Jim

Thanks for the DP!

May I ask how many approximate new accounts/inquiries in the past 6-12 months? Sounds like some denials/scrutiny for Chex inquiries

Grant

Probably at least 10 inquires over the last 12 months. I even did this bonus in the past, probably 1.5 years ago.

Jim
Jim

Thanks. I also did the bonus back in ~2016, closed in late 2016.

Did you manage to get immediate approval online or did request need additional clearance/docs? Questions via phone, etc.?

I applied last night and seemed to have gotten approved — account numbers, login, even set up bill pay. But when I called in today, Saturday, to confirm, they said to call back Monday to proceed further…

Grant

Instant approval. I try to go slowly with these bonuses and not set up direct deposit until I get the debit card and the opening deposit posts to my account.

EW
EW

12/22/17 – Chase Freedom $125 deposit coded as purchase
1/2/18 – Chase $500 push
1/22/18 – 3rd bill pay
1/31/18 – Received $150 bonus

Grant

Based on the terms, do you think this bonus is churnable? I closed my last Tech CU checking account in March 2016, so it’s been more than 12 months and I did not close my account with a negative balance.

“To qualify for offer, a new membership and Tech CU checking account must be opened by March 31, 2018. Tech CU reserves the right to change or cancel this promotion prior to December 31, 2017. Offer available only to California resident new-to-Tech CU members ages 18 and up who have had no account relationship with Tech CU during the previous 12 months and who have never caused Tech CU a loss. Offer not available on IRA, HSA, UTMA or business accounts. Maximum total credit $150. Credits will post to the membership savings account at the end of the month in which a requirement is met, but will not be available for withdrawal until nine months after account opening. Credits and any dividends accrued thereon will be forfeited if accounts are closed within nine months of opening. (a) $100 credit will post if, within 90 days after opening, the checking account begins receiving at least one recurring monthly $500 single-transaction direct deposit. The direct deposit must occur no less often than monthly. (b) $50 credit will be posted if, within 90 days after opening, at least three online bill payments have been made out of the checking account.”

EW
EW

Offer has been extended to March 31, 2018

borntobehermit
borntobehermit

DP: Transfer from Chase checking account worked as DD and I was able to get $100 by the end of the month.

CC
CC

Tech CU website had some problem with safari. Chrom works.