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Dominique
Dominique

This one was a doozy, but I was finally able to get this bonus for myself and P2 OOS. I am not sure of which DD method I used actually triggered the bonus since some of them I did after the 90 day timeline. Not sure if this bank gives a grace period or anything. I chose the method of opening a Vio savings account (open to anyone nationwide) before opening this account to qualify.

P2 and I have fairly similar timelines:

12/16 – Opened Midfirst Live Free checking online with Vio account number and balance, app went pending waiting for trial deposits to external bank account for initial deposit (P2 opened 12/23, same household address)

2/28-3/17 – Made 10 debit card transactions, a combo of payments to online rent account and Amazon reloads, making sure all transactions were of varying amounts

3/16 – $250 Astra DD posted

3/17 – $250 Schwab brokerage DD posted

3/18 – $250 Wise “Payroll” DD posted

3/22 – $200 bonus posted

Not sure if I will close the account yet since it’s free, and since the 90 days are up, so no early termination fee for me. Lots of problems with this account with getting the online banking set up, I had to call in for that. I even had to call them to order my debit card.

I would have sent some Zelle transactions, but for some weird reason, when I downloaded their app, the Zelle option was not there for me. Maybe it’s just on some versions of their app, or they disabled it on my account for some reason? This bank doesn’t seem to want to communicate with customers via secure message.

Maybe I’ll close this account to see if the bonus is churnable if it comes around again. I actually signed up under the $300 Tulsa offer but only got $200. I will not call in to request the extra $100 since I didn’t do a real DD, and they may just reject me anyway.

mothman69

12/20 – opened Vio savings for P2
12/23 – opened MidFirst account for P2 via Tulsa link with OOS address
12/24 – $250 real DD (Brex)
1/7 – 1x Zelle transaction
1/10 – 2x Zelle transactions
1/11 – $200 bonus posted

Many thanks to @DJ8014 and @MOTDOC for the DPs on the Vio savings route for those that are OOS. The household limit does not appear to be enforced.

Jun
Jun

chex sensitive?

i hope they dont mail it to the OOS state I entered cuz if any personal info are on it… then GG

Notice Date: December 21, 2021

Notice of Adverse Action

We regret to inform you that we cannot open an account for you today. This decision was influenced by information received from a consumer-reporting agency. The reporting agency did not make the decision to deny your account application and is unable to provide you with specific reasons why this decision was made.

You have a right under state and federal laws to know the information contained in your file at the consumer reporting agency, including:

You have a right to a free copy of your report from the reporting agency if you request it no later than 60 days after you receive this notice.
If you find that any information contained in the report you received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency including:

You can find the information contained in your file by contacting:

Chex Systems, Inc
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Phone: 800-428-9623
Fax: 602-659-2197
http://www.consumerdebit.com

Thank you for your interest in MidFirst Bank. If you have any questions regarding your consumer report, you should contact the consumer-reporting agency using the information above.

MOTDOC
MOTDOC

P2 and I opened accounts using DJ8014’s method of first opening Vio accounts. Of note, for the first few days we could see the MidFirst account when logging into online and mobile banking on Vio, but then it went away. Moral of the story: write down your MidFirst account number (or make the initial deposit from Vio) so that you can create a separate login for MidFirst.

Accounts opened: 11/10/21
Real DD: 11/30/21
Zelles: 11/30, 12/1, 12/2
Received $200 bonuses: 12/14 (that’s the posted date; MidFirst emailed us on 12/15)

I sent a secure message like mothman69 did, but the CSR responded “Thank you for your email. The $300.00 Fall Checking promotion is only available to new customers that open an account within the Tulsa and Arizona market. Accounts opened outside of that market are only eligible for the $200.00 promotional credit. If there is anything else we can assist you with, please call 888-643-3477 and choose option 0 to speak with a personal banker who may assist you. We are available Monday through Friday, 7 a.m. to 9 p.m.; Saturday, 8 a.m. to 6 p.m.; and Sunday, noon to 4 p.m. (All times Central Time). Thank you again for contacting MidFirst Bank.”

I have a long drive ahead of me on Friday, so I may call then, but the terms of the promotion also say only one per household (which I didn’t notice until after starting the process), so we’re already $100 ahead anyway.

mothman69

MOTDOC MOTDOC It’s interesting that they’re not enforcing the household limit. I might try applying for P2.

Jon
Jon

In Arizona. They wouldn’t allow online opening. Told to review my input info carefully if I wanted to try again. I collected a bonus in 2020 and closed that account in Nov 2020. Maybe not churnable?

Lefty
Lefty

Applied OOS Using OK Zip Code and Real Mailing Address
$300 Promotion Screenshots

9/19/21 Account Opened
10/31/21 Service Charge $4 (Forgot to Enroll in eStatements Prior To Fee)
11/3/21 Completed 10+ Debit Card Purchases
11/15/21 Completed 3 Zelle Transactions on Mobile App to P2
11/16/21 ** Only $200 Promotion Posted **
11/16/21 Sent Secure Message to Support Regarding Missing $100
11/22/21 Support Said To Expect Missing $100 Within 7-10 Business Days
11/30/21 ** Remaining $100 Promotion Posted **

P2 Unsuccessful in Opening Account Using Same Method

L
L

People that have gotten bonus, did you get emails letting you know about your progress and when you actually got bonus?

L
L

Just got the bonus on 11/16. I think the Discover push on 11/8 triggered the bonus.

Geogeo
Geogeo

L thank you for sharing with us your dp. Do you mind sharing the description of the push coded as direct deposit? I don’t have any account with discover and can only try with WF.

L
L

Geogeo Geogeo Geogeo Geogeo
You’re welcome! It’s coded as “ACH DEPOSIT DISCOVER BANK PREARRANGE”

Geogeo
Geogeo

Thank you L! My WF push is coded the same way. Hopefully it works!

Geogeo
Geogeo

Well, I just double checked and the coded description is not exactly the same as yours….
Hopefully I receive the bonus… Otherwise I will have to request a debit card and make the 10 transactions.
Completed on: 12/01/2021
Description: ACH DEPOSIT WELLS FARGO IFI DDA TO DDA XXXXX
Amount: $250.00
Transaction type: DEPOSIT

L
L

How much more time do you have before 90 days are up?

I’d give it about 10 business days after deposit has posted before I’d go that route imo.

Geogeo
Geogeo

Can anybody share data points of DD? Wondering if pushing from Wells Fargo checking count as DD

L
L

I pushed with Discover and Chase about 5 business days. Still waiting…

MOTDOC
MOTDOC

I’m OOS but am in Phoenix for work. I stopped by the branch, and they denied me because of Chex. They were the 19th in 6 months, 28th in the last 12 months

DJ8014
DJ8014

Quoting myself… “I’m in WI. I already had an existing Vio Bank (a division of MidFirst) savings account (which has, btw, been a very useful account for ACH transfers) . [On 9/16], I was able to use that savings account, via the Tulsa, OK bonus link, to open a LiveFree checking account. It was pretty painless. Now, they may ultimately close my account and/or not pay the bonus, and YMMV, but it may be a “backdoor” to this bonus for those out of the footprint, like me.”

This appears to have worked, but I wound up with the $200 OK-statewide bonus, rather than the $300 Tulsa-specific bonus. I made three small ($1, $2, $3) Zelle transactions (in the MidFirst app) to another bank on 9/16, and a real DD of $250 on 10/8, and today (10/12) the $200 bonus posted as in-process “PROMOTIONAL CREDIT 2021 FALL CHK PROMOTION”

DJ8014
DJ8014

Oh, and I should add – Vio Bank accounts are available to anyone, nationwide.

DJ8014
DJ8014

I should add, Vio Bank savings accounts (which I used to initially open the checking account from out of state) are available to anyone, nationwide.