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Stefanie
Stefanie

Hi doctor, you said this offer can be used in TN, and have to open account in branch. However, I didn’t find any branch in TN. Is that a mistake?

J T
J T

As of 6/1/15 this bonus is in-branch only: “*Effective June 1, 2015, bonus offer is only available to accounts opened inside a FOCUS Bank branch NOT ONLINE at http://www.focusbank.com

Online banking is running again; I was able to sign up for and receive the e-statement bonus. I never did get an ACH transfer to trigger the deposit bonus.

J T
J T

Potential workaround for the lack of online access: called and set up telephone banking (866) 683-7070. Note that this number is not listed on the Focus website, that I could find, likely due to phone banking scheduled to be shut down permanently on 7/1/15. Again the CSR was very forthcoming and shared that phone banking is being phased out due to a persistent lag in current balance reporting. Their system is very clunky to navigate but I was able to confirm trial deposits, so I’m hoping to capture the deposit bonus if my ACH will trigger it. If you need to enroll in phone banking, the ID is your SSN and the PIN is last 4 of SSN. I may call the CSR again to “enroll” in e-statements.

FYI the acct opening bonus posted at one month +3 days from opening date.

J T
J T

For anyone who recently opened this acct, or is considering it, I’ve been unable to setup online banking to confirm ACH deposits and enroll in e-statements. When I finally called, the CSR confessed the whole customer side of their system has been down for 4 days, and counting. Sounded like they were considering scrapping the whole system and starting from scratch.

This is not the cutting edge of virtual banking. I’ve received the $50 opening bonus, but I have my doubts if I will ever be able to complete the other two.

JT
JT

Also, Chexsystems pull, listed by name in consent to validate identity.

JT
JT

After approval for Focus free checking,
“How would you like to make your first deposit to your account?”
“Transfer from another checking or savings account.” – the only option. Minimum $100, max $500.

Rocco
Rocco

Hey Doc…let me show you something!

Offer says:
*Online Accounts limited to residents of Missouri, Arkansas, Tennessee, Kentucky & parts of Illinois.

You Wrote:
“[AR, KY, IL, MI, & TN] Focus Bank $100 Free Checking Bonus

Offer at a glance

Maximum bonus amount: $100
Availability: AR, KY, IL, MI, & TN”

I Write:
MI is the abbreviation for Michigan!
MO is the abbreviation for Missouri!

~ Michigan is not included in this offer…Please correct your abbreviation

Compeek
Compeek

I did this same promotion this summer, and it was definitely not a hard pull.