Subscribe
Notify of
guest

41 Comments
newest
oldest most voted

Jessica
Jessica (@guest_1955646)
November 20, 2024 13:22

Pathetic small credit union. Applied in person and was declined because of Chex, even though I could prove my identity in person and was local.

Charlene
Charlene (@guest_1954858)
November 19, 2024 12:44

Applied 11/19. In state. After the screen to input DL# and answer ID verification, received the error “Transaction Declined” with a phone number to call.

Karl
Karl (@guest_1952310)
November 15, 2024 14:55

Banterra Bank softed my (frozen) Chex the day after I applied. But they haven’t asked me to unfreeze it and haven’t sent a denial. Did they hard pull anyone’s Chex?

I asked if they needed more information or documents. That usually elicits a request to thaw Chex if they want it. But now I get the “outside business hours” reply to chat/text during their normal business hours.

Normal business hours are “8am-4pm CST” which a weird time zone for AZ and weird hours for CST too. As if they’re a bank headquartered in the East, pretending they are a bank headquartered in the Midwest which is pretending to be in AZ.

Strange bank.

Bedu
Bedu (@guest_1952327)
November 15, 2024 15:06

I just checked and Banterra bank soft pulled my Chex as well. No point since Banterra is very Chex sensitive

Eric 🔗
Eric 🔗 (@guest_1952634)
November 15, 2024 20:56

Was your Chex report frozen? If so, it wasn’t actually a “soft” pull. It was them attempting (and failing) to do a “hard” pull on your Chex.

Bedu
Bedu (@guest_1952708)
November 15, 2024 23:05

Yeah I forgot to mention Chex was frozen which is why it was a “soft” pull. Would have likely been hard pull if not frozen

PeekyBee
PeekyBee (@guest_1952855)
November 16, 2024 09:11

They did a hard pull on my Chex. I applied on 11/15/24. No word from them after the confirmation email.

PeekyBee
PeekyBee (@guest_1956325)
November 21, 2024 13:10

Update.
11/14 submitted application & inquired via Chat if I was in footprint
11/15 Rec’d response to Chat saying yes. Chex pulled
11/24 my account is officially open and pending bank approval message is no longer seen when logged in. (edited to add more details)

Bedu
Bedu (@guest_1956338)
November 21, 2024 13:19

What were your Chex stats?

PeekyBee
PeekyBee (@guest_1957836)
November 23, 2024 17:29

Bedu
Chex:
3mo 1
6mo 6
12mo 13
18mo 21
24mo 44
BigBonusBeast 🔗
Yes in-state

BigBonusBeast 🔗
BigBonusBeast 🔗 (@guest_1957379)
November 22, 2024 20:38

PeekyBee Are you in-state or OOS?

PeekyBee
PeekyBee (@guest_1952067)
November 15, 2024 10:45

Before I submitted the application for Sun Canyon, I saw there was a chat feature, so I opened it and submitted a chat and said I lived in AZ and asked if I was allowed to open an account with Sun Canyon. Then, after I submitted the chat, I got the mesg that they weren’t open and someone would respond. I got a reply to my chat today and it said:
“Sun Canyon can accept an applicant from all us states Except: NY, NJ, and CA. Once an application is submitted it will be manually reviewed. If the application is accepted you will be contacted by a member of the Sun Canyon team.”
It seems the offer is not limited to AZ. So far, I can still log in.  William Charles

Eric 🔗
Eric 🔗 (@guest_1952608)
November 15, 2024 20:19

☹ at “Except: NY, NJ, and CA.”.

Bedu
Bedu (@guest_1949885)
November 12, 2024 19:25

IL DP:
Applied with Chex frozen. Went all the way to bank pending approval. Tried to login today and user/pass doesn’t work. No email of denial or anything

OverUnity
OverUnity (@guest_1952158)
November 15, 2024 12:41

Same issue here. Opened the account, and it allowed me to create online user/password and I was able to login in for several days. Then today I logged in to check whether my opening deposit of $50 had posted to the account or not, but got the ‘invalid user name or password’ error. No rejection email received. I’m in State.

Bedu
Bedu (@guest_1952226)
November 15, 2024 13:53

It’s been a few days and still no communication. Still says invalid user/pass. No reason to see that account is approved. I wonder what they use to determine approval/denial

favo🔗
favo🔗 (@guest_1952245)
November 15, 2024 14:05

I called CS asking about the application status, they told me if there was no welcome email after the confirmation email then it meant a denial. They said they won’t necessarily send out an official denial notice.

Eric 🔗
Eric 🔗 (@guest_1952630)
November 15, 2024 20:50

That’s the same way that Parke handles things. NBG knows exactly what I’m talking about. 😠

Sammy
Sammy (@guest_1953373)
November 17, 2024 11:50

A week later and a handwritten addressed letter did come in the mail for Sun Canyon on the denial with the reason being # of inquiries on Chex and Credit Report. Definitely not being able to login is a confirmation of a denial by the bank.

Karl
Karl (@guest_1948387)
November 10, 2024 15:46

Per CSR, there is no promo code. You just have to apply from the offer page.

There is no hard pull on EQ, EX, or TU. I thawed them all before I applied. Chex was frozen but they didn’t try to pull it. There was no soft. At least not yet but my account is still in limbo.

I applied on 11/6 and set up online banking. Received account# and my $50 opening deposit appeared in transactions. There was a notation saying “pending bank approval”.

Next I received an Online Account Confirmation email:

Be on the lookout for a welcome email from our Customer Care team” and a Confirmation Code.

The next morning (11/7) my login stopped working. I tried getting back to the application and/or online banking with my Confirmation Code but it returns “an unexpected error has occurred”.

I applied the day before John R but I haven’t gotten a denial email. I haven’t gotten the welcome email they said to watch for either.

This bank is a division of Banterra Bank so you might have good chance outside AZ if you’re in the Banterra footprint. I’m outside both.

John R🔗
John R🔗 (@guest_1948302)
November 10, 2024 12:40

I had the same experience as Sammy and Peek.
Applied OOS, was able to immediately log in to online banking where there was an account number and a heading saying “Pending bank approval.”
Few hours later, got a denial email and login no longer worked (Subj: “Application Status”, “Thank you for your interest in Sun Canyon Bank. Unfortunately, we were unable to complete your request.”)
Credit was frozen, Chex unfrozen but no pull.

Peek
Peek (@guest_1948410)
November 10, 2024 16:34

No denial email for me yet.

Karl
Karl (@guest_1948441)
November 10, 2024 17:35

No denial for me yet.

I got an Online Account Confirmation email instead, with a confirmation code “to use in your communications with us”.

The confirmation code doesn’t work online outside banking hours. Maybe it would work in chat but I’d rather not talk to a human because they’re unpredictable.

I still haven’t gotten the 2nd email they told me to watch for (the “welcome email”) but I only applied last Wednesday.

A
A (@guest_1947883)
November 9, 2024 16:01

Any tips on what works to fake a DD?

Karl
Karl (@guest_1948390)
November 10, 2024 15:50
  A

This offer appeared 4 days ago.

OverUnity
OverUnity (@guest_1947881)
November 9, 2024 15:59

There is no credit or debit card funding option.

Sammy
Sammy (@guest_1947865)
November 9, 2024 15:19

Tentatively opened an account with them today through their website (I’m able to login immediately but the homepage shows “pending bank approval” for the interest checking account). No credit card funding at all. No promotional code is needed to be applied for the bonus, you just apply through the normal “apply button” on the bank site (you’ll know if you have the new account bonus attached as they have the disclosure terms displayed before final application submission and they even email it to you after). Be careful to opt-out of overdraft as it is sneakily hidden and not obviously labeled until you click through the disclosures before submission and may accidentally get a hard pull. My credit reports are frozen, so I don’t think they do a hard pull at all just to get the account tentatively opened.

Peek
Peek (@guest_1947896)
November 9, 2024 16:53

Sammy State?

Sammy
Sammy (@guest_1948443)
November 10, 2024 17:40

I’m located in AZ, have not received a denial email yet while others have (perhaps being in their footprint may result in a higher chance of approval). The bank bonus is due to them opening a new branch over here.

Sammy
Sammy (@guest_1950038)
November 12, 2024 23:17

Update: I tried logging in today and my credentials don’t work anymore. No denial email was sent either. I believe I’ve been declined in which case indicates they are Chex Sensitive (I opened 4+ bank accounts in the last 4 months). I’ll probably try in-branch at the new location to see if that results in an approval, hopefully without the 20 questions on my bank history.