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Bondd
Bondd (@guest_2093979)
July 7, 2025 18:08

Hey everyone! I have tried searching a ton of bank account bonus pages looking for instructions on how to use Wise to trigger DD but I am not seeing steps posted anywhere. If anyone could help me I would really appreciate it!

-Does a personal Wise account work?

-Do I just choose “Myself” in the options for who it’s going to?

-Do I have to add the bank account as a linked account first OR just add the routing & account number as a “send money recipient”?

-How do I get it to trigger as PPD instead of RTP? Do I have to set a future transfer date instead of sending it immediately?

J
J (@guest_2094020)
July 7, 2025 18:47

Yes. Yes. You don’t do either of those, you push to wise from your outside bank via account/routing. Yes.

Bondd
Bondd (@guest_2093309)
July 6, 2025 16:38

What’s the best way to link accounts to Wise, and send money using Wise to trigger DD?

*posted this earlier on the wrong page, sorry about that*

Chris
Chris (@guest_2092257)
July 4, 2025 11:10

Chex really does mess people over. Even when there’s zero derogatory or negative information, just having inquiries alone is disqualifying. Basically have to just disregard CU’s altogether — 0/1,1/3, 5/6, 7/24 and getting declined consistently now.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 4, 2025 11:15

You just need to pick and choose where you apply. You can still get plenty of bonuses, with or without Chex inquiries.

It’s not ChexSystems’s fault some banks & credit unions see inquiries as derogatory. It’s just a tool for the FI’s to make decisions. Chris

Chris I
Chris I (@guest_2092287)
July 4, 2025 12:06

We’ve definitely done tons of bonuses. I’m just the type that doesn’t like a direct deposit go to waste, and we’ve run out of offers if Chex-sensitive institutions are out of the running. I ain’t chasing down $100, ya know?
It’s hard to see Provident CU $475, Safe CU $600, and SoCal CU $500 be out of reach due to Chex for no negative/derogatory reason.

Paul
Paul (@guest_2090344)
July 1, 2025 15:50

Edit

Bob
Bob (@guest_2090151)
July 1, 2025 13:23

TD Bank has a $300 bonus available with $2500 direct deposit, or $200 with $500 DD.

https://checkingbonus.tdbank.com/Digital500.html

Eric 🔗
Eric 🔗 (@guest_2090193)
July 1, 2025 13:54
Bob
Bob (@guest_2090198)
July 1, 2025 13:59

Is there a reason it’s not included / linked in the list above? I realize “best” is subjective, but seems better than others listed.

Eric 🔗
Eric 🔗 (@guest_2090211)
July 1, 2025 14:08

Yes, there probably is a reason. However, since it’s not my site, I won’t be able to provide you what the reason is. 😉

Larry
Larry (@guest_2089707)
June 30, 2025 22:40

dp: BMI FCU [Ohio] did HP on opening checking!

TJ
TJ (@guest_2088149)
June 27, 2025 19:25

Why do I have yellow flag

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 28, 2025 18:24
  TJ

Means the comment went to moderation or SPAM. Once you make some more comments, usually the system stops doing that, but certain words trigger it no matter what. TJ

ntn
ntn (@guest_2088065)
June 27, 2025 17:32

Sorry, I wasn’t sure where to ask this question, but, has anyone been blocked from opening an account and come across this status: KYC Status: Prohibited?

I’m aware what KYC stands for, but not sure where to look to get this resolved. Probably Lexis Nexus and/or EWS?

Some background info: Wings opened and closed my account within a week with no real explanation, CIT denied my app due to their “risk appetite”, and Go2Bank blocked and closed my account without any real explanation. Otherwise, there hasn’t been anything significant to note. I’ve still been able to open accounts here and there. This is for Santander, with whom I actually want a long term account due to their presence abroad. Have opened and closed 2 accounts with them in the past (closed in 2022), but I’ve seen others churning them more often than that.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 27, 2025 17:41

Definitely not EWS – AFAIK, GO2Bank, Wings and, CIT are not participants, and I have all three. I would start by pulling LexisNexis/Sagestream to look for clues.

GO2Bank is pretty black box. Pretty sure I have never seen them on any of my reports. I am unsure where places like that get their info (just like Netspend, Target Debit/Reloadable, all brokerages, etc.).

ntn
ntn (@guest_2088233)
June 27, 2025 22:09

Thanks for the notes Gadget. Will look into LN. QQ, you said not EWS but then link to a post that shows DPs of Santander pulling EWS?

Just opened Target reloadable a couple of weeks ago and I have never been denied a brokerage account (although I’ve only opened maybe 10 total so never say never I guess).

Pickle Rick🔗
Pickle Rick🔗 (@guest_2088234)
June 27, 2025 22:13

You’re looking for the common cause of your issues. If only 1 of the 4 FIs uses EWS, then EWS isn’t the cause.

ntn
ntn (@guest_2088242)
June 27, 2025 22:32

Ah, I see. I wasn’t looking for a common cause. I was just citing the issues I have had in the past that might be related or not.

Pickle Rick🔗
Pickle Rick🔗 (@guest_2088243)
June 27, 2025 22:34

Gotcha. Sounded like you were, so that’s probably why Gadget said it wasn’t EWS.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_2088240)
June 27, 2025 22:26

Not sure if this is related to your case, not here is something interesting about Go2bank, a brand of Green Dot Bank.

https://www.greendot.com/blog/news/socure-launches-industrys-preeminent-first-party-fraud-solution-and-consortium

Green Dot bank uses the first-party fraud solution from Socure, an identity verification service used by many financial institutions, to “confidently assess abuse risk at account opening and beyond using the only cross-industry predictive risk score that quantifies the likelihood of identity manipulation that could lead to risk or loss exposure.”

“By tapping into a cross-industry data network of more than 325 million accounts and 20 billion transactions, Green Dot can now assess the true risk behind an identity—even if that person has a clean record internally. They now have context into whether that identity has been flagged for illegitimate disputes, defaults, or other first-party fraud behaviors across dozens of institutions.”

https://www.socure.com/resources/casestudies/first-party-fraud-consortium-greendot

ntn
ntn (@guest_2088244)
June 27, 2025 22:36

Thanks for digging this up Shawn. My issue with Greendot was 2 years ago now. I can’t recall which FI but I recently was able to get approved via an app that had socure in the URL.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_2088246)
June 27, 2025 22:40

Socure provides different services, many financial institutions only use their identity verification service (for which you are redirected to a socure URL). This first-party fraud solution service by providing real-time risk assessment based on pooled data across all institutions participating in the consortium is something interesting.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 28, 2025 13:51

Not an all-inclusive list, but Socure is used at:

Wings: https://www.doctorofcredit.com/wings-credit-union-400-checking-bonus-200-savings-bonus/#comment-1939260

GTE: https://www.doctorofcredit.com/contact-us/#comment-1974413

Personal experience, Roger.Bank and Zynlo use Socure too.

I have never pulled my report with Socure, but sounds like they are using IP address data against you, based on this DP: 
https://www.doctorofcredit.com/contact-us/#comment-1974797

I have noticed that sometimes, depending on the bank, using a cell phone via mobile data with wi-fi off to apply for banks can yield a different result than using desktop computer via wi-fi. If denied instantly, that is usually my go-to to retry. That won’t help in situations where the bank has approval remorse though.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 28, 2025 13:55

Some additional Socure players listed here: https://www.socure.com/company

“Capital One, Citi, Chime, SoFi, Lili, Green Dot, Robinhood, Dave, Gusto, Poshmark, Uber, DraftKings, PrizePicks…”

Grasshopper
Grasshopper (@guest_2088631)
June 28, 2025 23:27

KYC = Know Your Customer. I ran into it with a Citi business checking account. The account was flagged for restriction until I answered their KYC questions.

ntn
ntn (@guest_2088699)
June 29, 2025 07:04

This was different. The Santander rep said she wasn’t allowed to continue the application. 18 months ago when I had tried previously, a more experienced rep did not share this info and just said she wasn’t able to complete the application.

Thomas
Thomas (@guest_2086112)
June 25, 2025 08:43

Found a First Horizon $450 checking bonus for $2K in 90 days. Need to generate a code found here, which emails one to you to use in firstview application to avoid fees. https://www.firsthorizon.com/cash450

Acid Bath
Acid Bath (@guest_2086149)
June 25, 2025 09:30

Very chex sensitive.

Dealgamer
Dealgamer (@guest_2086547)
June 25, 2025 15:40

Not super sensitive in branch though, sometimes they don’t even pull it in branch

direstraits
direstraits (@guest_2085317)
June 24, 2025 16:05

Chime/Inboxdollar problem.
(a) signed up for inbox dollar
(b) link to chime was not working – user error, haha
(c) downloaded chime from app store
(d) obviously no credit on inboxdollar.

Solution?
(a) wait 7 days and ask inbox dollar for customer service exception
OR
(b) delete chime and start-over?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
June 24, 2025 16:14

If you created a Chime account, you will need to close it. Try again in a few weeks.

If you didn’t create a Chime account, yeah, just delete the app and start over. I would probably clear browser cache first and then go though Swagbucks or Mypoints instead. Not because InboxDollars doesn’t track normally, but you had a hiccup.

direstraits
direstraits (@guest_2085657)
June 24, 2025 19:22

awesome. thank you. good plan 🙂