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30 Comments
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Karl
Karl (@guest_2129293)
August 26, 2025 17:36

There’s a new $150 checking promo available as of 8/25/24.

Promo code changed to BYU26

https://www.macu.com/cp/checking/byu-mystyle-150

Three ways to waive the $7 maintenance fee:

  1. Perform 20+ card transactions (Debit and/or credit)
  2. Be age 24 and younger, or age 60 and older.
  3. Maintain an average daily balance of $10,000 in MyStyle Checking (I’ll send that $10k right over, LOL).

Might be geofenced to just the SLC, UT metro area now.

S
S (@guest_2055211)
May 5, 2025 14:43

phone rep claims promotion is only for residents of footprint states (even though i don’t see that anywhere on the promo page), still requires chex pull

S
S (@guest_2055214)
May 5, 2025 14:45
  S

(did not pull chex to join the credit union with just savings/certificate accounts, but you would then need to call in to open a checking and they won’t extend the bonus promo out of footprint, and want chex thawed before proceeding with a checking application)

Kel
Kel (@guest_2059249)
May 11, 2025 12:30
  S

I don’t get it so you got approved with Chex frozen, you then called to have checking open but want you to thaw Chex before that happens?

Adipose
Adipose (@guest_2052976)
May 1, 2025 21:21

Is this still a hard pull?

Karl
Karl (@guest_2055544)
May 5, 2025 22:35

No hard pull on 5/5/25. But I was denied, probably because I’m already a Sunward member.

I had hoped to double dip before the merger completed.

Suggest opening Sunward first because that bonus is better and easier.

Adipose
Adipose (@guest_2058830)
May 10, 2025 04:16

Thanks I just opened Sunward on 05/06. This would be my second time as I received the bonus when it was Sandia. I might try for Mountain before 06/30 and before they completely merge or is that definitely a no go?

Karl
Karl (@guest_2059826)
May 12, 2025 16:37

My position was about the same as yours:

Already a Sunward member.
In the footprint for MACU (at least the former one; maybe it’s more restrictive due to the merger). But they accepted my zip and DL.

I applied with all 3 CRAs thawed, but Chex frozen. There was no soft pull on anything, including Chex.

Normally, when Chex is frozen and someone attempts to pull it, that shows up as a soft. So I don’t think they tried to pull Chex. They never mentioned it either; all they said was “We are unable to open an account for you at this time.”

They also used a Blend app (same as Sunward does now).

My best guess is they denied because I’m already a Sunward member.

You would be DP #2. Can’t hurt to try, at least not if you keep Chex frozen.

Adipose
Adipose (@guest_2082619)
June 22, 2025 11:14

I tried today before the offer expired. Everything thawed. Currently a Sunward member. Definitely in footprint. No Chex pull.

Denial: “Thank you…Unfortunately, we are unable to open an account for you. If you have any questions please feel free to reach out…”

Adipose
Adipose (@guest_2019386)
March 8, 2025 15:46

According to the webpage of Sunward aka Sandia Laboratory Federal Credit Union…at the top it states Moutain America will be transitioning to Sunward.

PCED
PCED (@guest_2010383)
February 23, 2025 03:29

MACU currently has a 5% APR promotion on 18 mo certificate, which comes in both standard and “growth” versions. The latter takes $5 to open, and additional deposits can be made later up to $100,000 at any time before maturation and earn the same APR.

David
David (@guest_2010972)
February 24, 2025 11:18
S
S (@guest_2035788)
April 1, 2025 13:46

down to 4.15% for 18 mo cd as of today (really annoying, i opened a membership yesterday and tried to open a cd but the system wouldn’t let me, and today they’ve dropped the rates)

Billy Bob
Billy Bob (@guest_2009920)
February 22, 2025 04:03

Only $100 for all that?
Meh…

Bank Bonus Bodhisattva
Bank Bonus Bodhisattva (@guest_2009767)
February 21, 2025 19:28

Unfortunately, we are unable to open an account for you. If you have any questions please feel free to reach out to 1‑800‑748‑4302

Davis
Davis (@guest_2009495)
February 21, 2025 13:26

Locations need to also include ID, NV, NM, MT. I was denied in branch a couple of years ago. Maybe I’ll give it another shot soon

Eric 🔗
Eric 🔗 (@guest_2009484)
February 21, 2025 13:22

I did the bonus back in 2020 from OOS. Unfortunately, this was shortly before I started keeping track of my Chex stats so I don’t know what my Chex stats were before applying.

However, I found the 2 comments below of others being declined for Chex so MACU may be (or least was) somewhat Chex-sensitive.

#1072865

#1073511

Eric 🔗
Eric 🔗 (@guest_2009482)
February 21, 2025 13:16

 William Charles,

You left “$150” in the title from the old post.