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92 Comments
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Zach
Zach (@guest_2088629)
June 28, 2025 23:21

I live within the footprint in CO… a 10 minute walk away from a branch.

1/30/25 – Application Submitted
1/31/25 – Bank reached out for proof of address, I responded same day
2/5/25 – Bank account opened
2/7/25 – $3505 initial deposit opened

Then I just setup a $500 real employer DD every 2 weeks, starting 2/14/25 and ending 6/20/25 (I didn’t want to take the chance by removing it early, and their transfers are fast)

6/27/25 – $300 “Online Account Opening Rewards Posted”

Will close in 12 months even though it is literally my local bank – had issues getting SMs responded to over the past week and change, unhappy with the bank’s communication.

Weapon
Weapon (@guest_2057685)
May 8, 2025 17:41

OakStar Bank $300 Checking
01/21/25 application
01/27/25 account opened (close 02/01/2026 to avoid ETF)
01/29/25 $3500 opening deposit from SoFi
02/14/25 $500 DD
02/28/25 $500 DD
03/14/25 $250 DD
03/28/25 $250 DD
04/11/25 $250 DD
04/25/25 $250 DD
05/08/25 Received $300 bonus

Bedu
Bedu (@guest_2057156)
May 8, 2025 01:59

1/28/25 – applied, had to send in utility bill
1/31/25 – approved
2/3/25 – $3500 Fidelity ACH, $501 chase biz payroll
2/4/25 – $501 chase biz payroll
2/21/25 to 5/2/25 – $275 real DD every 2 weeks
5/6/25 – $300 bonus posted

2 Good 2B
2 Good 2B (@guest_2056177)
May 6, 2025 21:13

1/27 account opened with $3500
Used Chase Business checking to push $250+ twice a month for 3 months.
5/6 $300 bonus posted

Lukasz
Lukasz (@guest_2055934)
May 6, 2025 14:20

Opened 1/28 with $3500, performed 2 transfers per month from Chase Biz. Bonus posted 5/6, or 98 days since opening.

JohhnyBGood
JohhnyBGood (@guest_2055832)
May 6, 2025 11:47

1/29 – Account Opened with $3750 deposit
2/14 – $251 Real DD
2/28 – $251 Real DD (repeat every 2 weeks)
05/6 – $300 ONLINE ACCOUNT OPENING REWARDS

Jake
Jake (@guest_2004635)
February 14, 2025 14:50

Followed up with CS after reading here that it may not be “average” daily balance. CS confirmed, 5 day cushion after opening then $3,500 min required every day. My deposit didn’t hit until day 10, so they say I’m already disqualified. Terms seem pretty muddy to me, but with the CFPB dead now, fighting it seems like a waste of time. Will be pulling money today.

2 Good 2B
2 Good 2B (@guest_1999073)
February 6, 2025 07:01

I did a small push from Relay Financial business checking to OakStar with memo of “Payroll”.
One it cleared at OakStar, it coded as CCD.

“PAYROLL FIRSTNAME LASTNAME CCD”

Thoughts?

DJen
DJen (@guest_1999164)
February 6, 2025 10:02

I’ve never seen the code “CCD” be used before. I searched online, and CCD is used to code business payments to vendors. I’m not sure if that will qualify as a DD.

FWIW, I used real DD, and it coded as “PAYROLL COMPANY NAME PPD”

2 Good 2B
2 Good 2B (@guest_2000554)
February 8, 2025 08:18

Chase Business Checking codes as
“PAYROLL FIRSTNAME LASTNAME PPD”. Probably the way I’ll go moving forward.

DJen
DJen (@guest_2000793)
February 8, 2025 16:11

Yah, you really can’t go wrong with Chase Biz!

Neil
Neil (@guest_1997645)
February 4, 2025 04:51

Is it expired?

Bedu
Bedu (@guest_1997776)
February 4, 2025 11:02

Page is still up but expired per terms. Accounts have to be opened by 1/31/25

🌸 Natalie 🌸
🌸 Natalie 🌸 (@guest_1998330)
February 4, 2025 23:25

Did you by chance check if it will still work by calling them? Will give them a call tomorrow if not.

Flynn
Flynn (@guest_1994663)
January 31, 2025 09:56

Like MOTDOC I’m concerned about the $3,500 daily balance requirement vs. a more typical avg. daily balance. I messaged CS for clarification and they just copy-pasted the terms (which make it sound like you needed to have opened the account with $3,500+). I’m hoping this is just a case of the terms being poorly written.

mothman69
mothman69 (@guest_1994682)
January 31, 2025 10:28

I selected to fund via a connected bank account during the application, but the actual transfer still took 1-2 business days before posting to OakStar. That means I have a few days of $0 balance. The only possible way to have a $3500 balance beginning on day 1 is to open in-branch with cash or check. I’m pretty confident that they will look at the average daily balance over the first 90 days, so I plan to just add a bit more $$ to compensate for the $0 days.

DJen
DJen (@guest_1994765)
January 31, 2025 12:41

JohhnyBGood posted a copy of the message he got from CS. You can see what it says if you scroll down in the comments. They start the clock after day 5 for the $3,500 balance. So, you should be set if you opened the account with $3,500.