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Kaze
Kaze

They are Chex Sensitive FYI:

“We recently reviewed your request to establish a new membership savings account; however we are unable to process your requests due to past history with other financial institution(s) involving multiple inquiries and/or unpaid report(s) that have been reported on ChexSystems. For more information regarding these inquiries and/or report(s) please contact ChexSystems at 1-800-428-9623. You may also visit their website at http://www.consumerdebit.com

Raj
Raj

Does anyone know if the household limits are enforced ? I had bonus in past want to open for spouse any DPs ?

Jun
Jun

If it doesnt specify in fine print, I’d say go for it.

Wayne
Wayne
Chuck

I’m seeing an entirely different $300 offer there. Thanks, I’ll post in the morning.

Mike
Mike

The offer has been extended until 02/29/2020.

An additional $50 for you and $50 for me can usually stacked on top:
https://www.referlive.com/providentcu/newcustform/136834134d11e664293a99565aa481f8729/15/13601673CFHYFTM

You can always sign up for the higher offer first, and then fill out the form above for the extra $50. Just make sure all the information matches what you’ve used on your application.

Raj
Raj

Does anyone know if the household limits are enforced ? I had bonus in past want to open for spouse any DPs ?

George
George

Does anyone have a screenshot of the offer on the site? I need to file a complaint with the CFPB because Provident is claiming that “average daily balance” means average balance over the course of the day when the industry definition for this term is an average taken from all the days over the course of a billing cycle. There were times I went under the $10k balance needed for the promo, but I had compensated for those days by going above $10k on other days. They are denying my bonus based on questionable interpretation of their fine print.

Raj
Raj

I do have the screenshot, it doesn’t say avg balance but says maintain a $10000 balance for 3 consecutive months following account opening. How can I share the screenshot here ?

George
George

I applied for the promotion that was around during September 2019, it’s possible that if you applied more recently the verbiage was different? Either way, are you able to upload the image to imgur and share the link with me?

Raj
Raj

You can find it at https://imgur.com/a/Uq2G95X & I had opened September last week.

George
George

This is perfect, thank you! This promo page isn’t live anymore and I searched everywhere to see if any of the blogs or Reddit had a screenshot. Google Cache or Archive.org were no luck either. You are a lifesaver.

I was referring to the very fine print at the bottom of the screenshot after the asterisk. It further clarifies that the requirement is for “average daily balance” of $10,000 and at least in my case, Provident is using a creative interpretation to deny me the bonus. Off to CFPB we go, and thanks again!

Raj
Raj

I had opened one for myself with new offer thinking to open for spouse, is there any household bonus limit ? Also with new offer it says “Have direct deposits or automatic credits of at least $500” does that mean transfer from external bank account will suffice ?

Jun
Jun

I believe that automatic credits would be an ACH transfer from another bank institution.

ABC
ABC

Same link looks to still be valid. Now expires February 29, 2020

emmons
emmons

Yep, But different requirements

June
June

I just applied and approved.

Two months ~

1) Make purchases of $300 or more using a Provident debit and/or credit card**
2) Have direct deposits or automatic credits of at least $500
3) Enroll in online banking and e-Documents with valid e-mail address

Jun
Jun

“Your account is deemed active by: (1) making purchases of $300 or more using a debit and/or credit card2 per month, AND (2) performing monthly direct deposits or automatic credits of at least $500 into your checking account, AND (3) enrolling in Provident’s online banking service and e-Documents with valid e-mail address. If your account remains inactive after 90 days from account opening you are no longer eligible for the New Account Bonus.

New offers require you need to make $300 in purchases and i$500 in ACH deposit from a different bank for the first two months. But what I do not understand is that after you fulfill those requirements for the bonus, do you have to continue making purchases of $300 and ACH $500 to the account to prevent your checking from being considered “inactive”?

If so, would a purchase MO’s for $300+ for 3 months fulfill that requirement towards the bonus and keeping the checking account “active” til the bonus posts?

tavert
tavert

I bought a MO with provident debit today and the pending transaction is showing as “quasi cash” so it might not count towards the qualifications. Will see once it finishes clearing.

Sam
Sam

William Charles The direct link to offer doesn’t work anymore. The website seems to have been redesigned lately.

SpicyPadThai
SpicyPadThai

There’s a new link for the offer with difference qualifications, not sure why my comment has been deleted

Brian C 🐕