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186 Comments
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Maya
Maya (@guest_2103069)
July 20, 2025 09:17

Is this churnable? I am consolidating accounts and found I’ve had this account for quite a while without using it. I wonder if it’s worth keeping.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 20, 2025 16:31

It might be churnable, but they have become inquiry sensitive, so the chances of a “churner” getting approved is slim.

My DP of trying to get P2 back in: https://www.doctorofcredit.com/co-only-air-academy-credit-union-250-checking-bonus/#comment-1913590

The Rewards Checking, without a bonus, is worth keeping, even without a bonus. https://www.aacu.com/cashbackrewards.html

$25 to move $250 around each month is a serious winner! Cash App, PayPal, etc. work as debits.

Maya
Maya (@guest_2103603)
July 21, 2025 14:08

Thanks Gadget. But the DPs appear to be a different bank, Air Academy Credit Union, and this is Air Force Credit Union, or Soarion Credit Union…

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 21, 2025 14:51

Ahhh, yeah, AAFCU (now AACU) vs AFFCU (now Soarion). My mistake. Alphabet soup.

In theory, it would be churnable, 12 months from last account closure. But, that assumes that the offer comes back, and has the same terms. Plus, they need to allow OOS again, and not be Chex sensitive, which they didn’t pull Chex in 2024, but that can change. Those are the big unknowns.

So, what can you do? If in two player mode, have one player close the account, and another keep it. That way you have a family member connection for eligibility. That’s usually the hardest hurdle to overcome with credit unions.

If not in 2-player mode, I’d probably close it and hope for the best. Either that, keep it, and hope they come out a decent referral program.

Actually, just checked, and both P1 & P2 still have their accounts, and just had P2 send the closure request via SM. P1 will keep it for now.

Rick
Rick (@guest_1998111)
February 4, 2025 17:16

did anyone get a 2024 Form 1099 for this $200 bonus? I still haven’t gotten anything in the mail from Soarion and I don’t seem to be able to login to my online account anymore to check if any online document is there…

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 4, 2025 19:58

$200.02 for P1, and $200.08 for P2. Downloaded from online banking. It was one of the first ones I got this year! Rick

https://www.doctorofcredit.com/contact-us/#comment-1983511

xhabeshi
xhabeshi (@guest_2038865)
April 5, 2025 20:46

HeyGadget 🕵️‍♂️ Bank Bonus Geek 🔗. I have closed my account and don’t have access anymore and have not received a paper 1099 . Do you know if the payer is AFFCU or Soarion in your’s 1099?

Eric 🔗
Eric 🔗 (@guest_2038870)
April 5, 2025 20:58

It’s Soarion.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
April 5, 2025 20:59

SOARION FEDERAL CREDIT UNION
1560 CABLE RANCH RD SUITE 200
SAN ANTONIO TX 78245
(210)673-5610 

PAYER’S TIN: 74-1181644

$200.02 xhabeshi

xhabeshi
xhabeshi (@guest_2038880)
April 5, 2025 21:27

Thank you!

John R🔗
John R🔗 (@guest_1894258)
August 16, 2024 18:02

Cannot close account via SM, need to call in.
800-227-5328
8-5 CST M-F
9-1 CST Sat

RT VEGAS
RT VEGAS (@guest_1848222)
May 22, 2024 13:28

Any dp’s on closing account? Thanks.

NorseTikiBar
NorseTikiBar (@guest_1842571)
May 9, 2024 17:12

P1 Fail DP
3/5 open account
3/19 $501 Schwab push
5/9 messaged CS to check if promo was attached, confirmed promo BONUSCASH

Eric 🔗
Eric 🔗 (@guest_1831005)
April 15, 2024 08:25

TD worked to trigger the bonus. I just logged in and saw that my bonus posted last week. The bonus posted about 2 weeks after my DD arrived.

Swastik Agrawal
Swastik Agrawal (@guest_1830503)
April 13, 2024 21:26

Filed CFPB for bonus on April 9, Forwarded to NCUA on April 12.

RT VEGAS
RT VEGAS (@guest_1830746)
April 14, 2024 14:59

same here. mine was forwarded from CFPB to NCUA on April 8th.

AlBundysBigguns
AlBundysBigguns (@guest_1830761)
April 14, 2024 15:22

Did yall use employer DD?

Swastik Agrawal
Swastik Agrawal (@guest_1831619)
April 16, 2024 12:04

Used Square Payroll which is read DD

RT VEGAS
RT VEGAS (@guest_1833137)
April 19, 2024 08:31

Have not heard anything yet. NCUA says they have 60 days to respond.

Swastik Agrawal
Swastik Agrawal (@guest_1833565)
April 19, 2024 23:44

I got the bonus today!

amtrakrailfan
amtrakrailfan (@guest_1833566)
April 19, 2024 23:44

I CFPB’d them over a chase biz DD, and it worked.

RT VEGAS
RT VEGAS (@guest_1848221)
May 22, 2024 13:28

same here. finally got bonus

Swastik Agrawal
Swastik Agrawal (@guest_1828173)
April 9, 2024 09:35

Nothing for March 20 DD so far.

DPs show March 15 DR had bonus post March 29 so slightly concerning.

Ostrich Rider
Ostrich Rider (@guest_1825612)
April 4, 2024 07:20

Bonus did not automatically post to account. Sent a secure message 40 days after requirements met to inquire about the bonus. The reply indicated I did not use bonus code on the application. I sent a screenshot of the application which included the code.
Currently waiting on a response.

Ostrich Rider
Ostrich Rider (@guest_1828715)
April 10, 2024 06:04

$200 credited to my account yesterday, they didn’t call or email to let me know. I’m thankful to get it.

a
a (@guest_1823576)
March 31, 2024 23:12

My DP
Jan 31- account opened
Feb 13- 502 ACH deposit from chase biz
March 15- no bonus yet, called and said it could take a few days (t/c says 30 days of DD)
March 20- CFPB complaint filed then forwarded to NCUA
March 29- bonus posted

Eric 🔗
Eric 🔗 (@guest_1823641)
April 1, 2024 07:12
  a

After 30 days had passed, it would have made more sense to contact AFFCU once more to follow up. Then if they gave you the runaround, you should have filed the complaint with the NCUA.

Anyway, that’s kind of concerning that the bonus didn’t automatically post.

RT VEGAS
RT VEGAS (@guest_1823954)
April 1, 2024 13:59
  a

I have almost exact same scenario. Just filed CFPB today. Will keep updated. Thanks for your info.