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Toni
Toni

Denied due to Chex Systems. They said if there are 3 or more items on there then they will not approve a bank account.

DataPoint
DataPoint

Might be different depending on location/manager approval? I finished the application in-branch and def had way more than 3 inquiries. The system wasn’t happy about something and the manager had to approve it, so it might’ve been that. I’m in CO.

AM
AM

Any DPs on the strictness of the lifetime language in the fine print (“Past customers who ever received a gift from FirstBank are ineligible for this offer”)?

Datapoint
Datapoint

Going for $300 checking offer for $500 DD/mo for 3 months. Applied online 9 Apr 2023 with Chex frozen and got preliminary approval and instructions to go in-branch.

Visited the branch next day, had to unlock Chex (apparently not sensitive, I have tons of recent inquiries/accounts) and Transunion (soft pull) to go through with it. Since I had a recent inquiry on TU, they wanted my physical SSN card, which I returned with. No issues otherwise, will report back when I get the bonus.

CredibleDan
CredibleDan

Declined due to Chex. I’m at 9/12

JimmytheGreek
JimmytheGreek

I opened an account only to have it closed the next day by them. They sighted Chex. So I waited 4 months and didn’t apply to a single bank in those 4 months. Applied and once again opened and closed the next day. If your Chex looks like a typical churners don’t even waste your time.

CredibleDan
CredibleDan

Could you share your Chex numbers? I’m at 6/12 and wondering if this is worth it

Russ
Russ

When I opened the account I called to fund $500 (max over the phone) with a credit card. I first tried with my BoA Unlimited Cash Rewards that had its Cash Advance limit set to $200, didn’t go through, agent said it wasn’t a valid payment method??

I mentioned to the agent that I had my cash advance limit set very low, but she said all transactions should post as purchases not cash advances.

Then tried with my Wells Fargo Active Cash with a high cash advance limit (over $500) and that went through, will see if it posts as a Cash Advance or Purchase. Will update.

Russ
Russ

Can confirm that WF Active Cash coded as purchase for the $500 initial deposit. Thanks everyone!

James
James

is credit card funding possible here? don’t see any info in the DOC Post.

LEGOProBuilder
LEGOProBuilder

Offer is back through December 31, 2023. https://www.efirstbank.com/_jensen/pages/bloom/bloom.htm

quango
quango

Thank you for your interest in opening the following account with First Bank.
* First Performance Checking – Limit One Per Person
Unfortunately, we cannot complete your application online at this time.

I’m 5/12

CredibleDan
CredibleDan

I believe you meant to post this comment on this thread for the _other_ “First Bank”: https://www.doctorofcredit.com/ca-il-mo-first-bank-100-checking-bonus/

This bank doesn’t have a First Performance Checking product

random52
random52

I was able to open an account in branch with an OOS ID. Took about an hour as the banker had to get approval from their manager multiple times. The issue seemed to be multiple accounts that showed they were from diff states. It makes sense because I had 12 chex inquiries during the past 12 months. It was taking way past the bank closing hours to open my account that I did not bother with credit card funding. I was able to enroll in ebanking instantly and they said I’d get free $5 for it, no idea how that works. Debit card sent to OOS address.

During the application process, they said it would be a soft pull only. And later after funding and everything went through; they offered overdraft, which I declined.

Anyway to verify online that the promo is attached to my account? When I showed the promo web page; he knew exactly what it was and verbally gave me the terms.

random52
random52

Called CS about the promo 3/20, they send an email to the branch and someone from the branch called me on 3/21 letting me know I met the qualifications and said she would send an email to the marketing dept. Got $300 same day credit pending on 3/21.

CredibleDan
CredibleDan

Very nice! Thanks for the follow-up.

How did you convince them to let you open with an OOS ID? I have a CA license and will be in SoCal. I’m planning on trying to open in-branch since I don’t meet the eligibility reqs otherwise.

random52
random52

I just said I was planning on moving to the area soon and didn’t have an in state address yet.