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Gdup
Gdup (@guest_1754310)
December 8, 2023 15:49

I just did the 200 bonus for the premium checking. A small perk that I think is incredibly valuable is cell phone insurance with no spend requirement. 850 for damage/theft with 50 deductible. All included with premium
Checking.

Davis
Davis (@guest_1656322)
July 18, 2023 16:34

I had to manually have the $50 direct deposit bonus applied more than 60 days after direct deposit.

Davis
Davis (@guest_1649362)
July 7, 2023 23:43

They have a $250 credit card sign up bonus for spending $2500 in 90 days https://www.americafirst.com/specials/make-more-summer-memories.html

72offsuit
72offsuit (@guest_1536414)
January 18, 2023 00:31

Opened an account during the black Friday promotion for $250. On 01/13, noticed bonus was not received yet. Messaged them through online portal. It was immediately adjusted during business hours.

Sammy
Sammy (@guest_1578621)
March 16, 2023 20:53

Same here, but unfortunately in my circumstance, I apparently fumbled this one really bad (it stings given I usually don’t miss bonus terms, much less one as easy as the Black Friday $250 promotion and having a hard pull done). Literally the only terms were to open an account as a new member and opt into e-statements for an easy $250. My representative while I was applying mentioned she did opt into e-statements for me through phone while I awaited for my debit card pin by mail to login online, but apparently that wasn’t the case. I only received one paper statement from November and no paper statements since then, so I assumed e-statements was done successfully. Apparently this credit union doesn’t cut paper statements if there is no account activity. This left a bad taste in my mouth and I’ll be closing my account.

gary
gary (@guest_1535702)
January 17, 2023 10:57

the new promotion account has a $6 monthly fee, unless completing the following each month
Have a direct deposit into your account of at least $500
Complete 20 or more transactions with your Visa credit or debit card
Maintain an average daily checking balance of at least $1,500

Davis
Davis (@guest_1584241)
March 24, 2023 16:34

Phone rep when I applied said that the fee is waived the first two months.

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊 (@guest_1591774)
April 5, 2023 03:18

Hey Davis can confirm the 2 months fee waiver.

Anyway, any advice what to do with this account once we get the full bonus?
I received my first $150 credit right away as I was doing my sign up in branch (nice touch!) and now about to start on that last $50 DD part.
The $6 fee waiver requirements seem excessive (min balance + DD + 20 debits), but there is also this language in the terms: “Applicants will forfeit cash bonuses if accounts are closed or transferred within six months.”

So zero out the account and risk it, or go through the trouble with the fee waiver for at least 4 months?

Edit: just tagging Gadget - Bank Bonus Geek 🔗 too, since he might have had similar scenarios in his unlimited banking endeavors to give an informed opinion…

Davis
Davis (@guest_1618267)
May 15, 2023 11:12

The fee is close to the interest that you’d get at a 5% bank or current T-bills. I’ll use my legit DD for a few months until a better opportunity arises and do Paypal 1 cent transactions. If either of those changes or don’t work, I think I’d eat the fee.

Sunshine
Sunshine (@guest_1535474)
January 16, 2023 23:31

Looks like no Oregon

Gadget - BankBonusGeek dot com
Gadget - BankBonusGeek dot com (@guest_1535386)
January 16, 2023 20:44

Per terms, only for these 4 states: AZ, ID, NM, or NV  William Charles  Chuck

WafflesAreDelicious
WafflesAreDelicious (@guest_1532385)
January 12, 2023 22:44

Their online application no longer appears to be geofenced. I can access it from Minnesota now.

I already joined back in 2021 before they (supposedly) stop letting OOS people join but if someone OOS wants to take a stab at it and try to join, please keep us updated and give us a datapoint if they let you join.

Minnu
Minnu (@guest_1535404)
January 16, 2023 21:16

Not worth chex hit for 200 and that too not sure if we get bonus for Oos

WafflesAreDelicious
WafflesAreDelicious (@guest_1539055)
January 21, 2023 01:29

Application is now back to being geofenced. This CU is bizarre

Gadget - BankBonusGeek dot com
Gadget - BankBonusGeek dot com (@guest_1539080)
January 21, 2023 03:15

Per terms you have to reside in four different states… That is pretty easy to enforce.

WafflesAreDelicious
WafflesAreDelicious (@guest_1543827)
January 28, 2023 01:46

Regardless im happy I got in when I did from out of state. They had no bonus at the time and I was joining because I genuinely wanted their checking account, not because of a bonus. They’re a seriously fantastic credit union!

Tom
Tom (@guest_1512720)
December 16, 2022 23:10

This is back to the regular offer of $100 so maybe change the headline instead of marking as Expired? Some might find this a good offer since there are no requirements other than turning off paper statements. However, there is a hard pull and most applicants have to apply from scratch over the phone since the finicky online application usually won’t approve instantly.

Tom
Tom (@guest_1505785)
December 9, 2022 17:16

$250 posted yesterday.