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YPvAnK (@guest_581944)
April 15, 2018 19:06

I spoke to a rep on the phone today and I was told that I had two options for closing my account:

– a written request containing my name, signature, account number, and address.
– visit a branch.

Albrecht (@guest_323386)
December 5, 2016 14:28

A couple of data point2, by empirical method:
– Early termination is $25 if closed within 90 days from the opening date.
– Closing the account requires a branch visit.

CGID (@guest_323499)
December 5, 2016 18:06

Hello Albrecht! You say that an early termination “is $25 if closed within 90 days from the opening date” and that you confirmed this empirically.

Do you mean only that you closed an account earlier than 90 days and were charged an ETF?

Or do you have additional grounds for believing that the ETF would not have been charged if you had waited until (say) Day 95? If so, based on what? At many banks the ETF window is 180 days.

I’d like to close my account but want to avoid any fee — any clarification you can give would be a help.

Albrecht (@guest_327448)
December 15, 2016 10:35

I called and was told to come to a branch to close.
My initial belief was that there was no early termination fee.
The banker told me that the period when this is imposed is 90 days and I was just over that so no problem there. That’s all 🙂

Albrecht (@guest_315964)
November 16, 2016 16:45

got my $200 bonus, that was easy-peasy!

Jay (@guest_303364)
October 4, 2016 15:18

Hi Doc, are bill pays counted toward 15 debit card transactions? What do Check card transactions (signature or pin) mean? Are they related to point of sales transactions? Please let me know what you think.

John (@guest_301154)
September 29, 2016 12:27

Hey Doc. Your Offer At A Glance (near the top of your article) states that the DD must be recurring in order to get the bonus.

Maximum bonus amount: $200
Availability: AL, FL, GA, SC & TN only
Direct deposit required: Yes, recurring $1,000+
Additional requirements: One bill pay and 15 debit card transactions

The actual bonus terms do not say that the DD must be recurring and the in-branch banker I opened the account with confirmed that the DD does not need to be recurring. One DD of > $1000 is enough — so are multiple DDs adding up to $1000.

Let me know if you saw something or heard something which implies it must be recurring.

CGID (@guest_302930)
October 3, 2016 15:38

Thanks! I just noticed something else. Your offer at a glance also says:

* Additional requirements: One bill pay and 15 debit card transactions

I do not see in the actual terms where a bill pay is part of the requirements for the bonus. Just the DD and the 15 debit card transactions.

Did I miss something?

Fiby (@guest_290920)
September 1, 2016 23:37

I opened on Monday. I can confirm as well that there was no hard pull (I have several credit monitoring services from various security breaches).

Thanks for the post DoC, and thanks to reader Patrick S for sharing!

Fiby (@guest_291101)
September 2, 2016 12:08

I didn’t ask.

Lily (@guest_291556)
September 4, 2016 08:50

I also like to know.

AE (@guest_279559)
July 29, 2016 12:03

I called the number on the email response to my form entry:

Must apply and live within the branch’s scope – thankfully I do and will be visiting the branch to open today.

Luke Bornheimer
Luke Bornheimer (@guest_279610)
July 29, 2016 15:16

Please let us know if the pull is hard or soft!

AE (@guest_279626)
July 29, 2016 16:31

Will do – employees were friendly and quick to setup the account.

AE (@guest_284412)
August 16, 2016 12:23

I do not see any hard pull on my credit as of two weeks from application – will let you all know if that changes.