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Kevin
Kevin

I finally just received the $500 bonus today after chatting with support twice over the last few weeks. Support said the bonuses don’t post until 5-7 business days after the 2nd Direct Deposit the first time I chatted with them. The second time I chatted with them today was after waiting 9 business days with no bonus. They told me the person that normally does the bonuses has been out this week. I got the vibe that they manually review and do everything. It’s likely got to be a real DD for this to work. I received the $500 into my Checking account.

Cody
Cody

I had to open both a savings and checking account with them. Direct deposit of $10K on 8/11 and then subsequent $100 DD every two weeks.

I hadn’t received the bonus as of 9/22, so I emailed support through the website on 9/25 to inquire.

I received a note back this morning and the deposit was credited yesterday. Received the full $500 bonus into my Savings account. (even though promo states bonus will appear in Checking). Makes me think it was manually put it, so it probably wouldn’t hurt to reach out if you haven’t received your bonus yet.

Yet Another Redditor

Wow, thats cool. Did you do an actual DD or bank transfer?

Cody
Cody

It was an actual direct deposit.

gruf
gruf

Has anyone received any bonus whatsoever from this CU? I opened acct (already being a member of NM Wildlife) on 6/28. Made a deposit of $10k from TD Ameritrade and subsequent monthly deposits ($500) due to recurring language. Come Sep 22 and for the following week, no bonus has posted. I am not in the prescribed availability area.

Kevin
Kevin

Well, I wonder if this bonus is going to post tomorrow like it’s supposed to. No payment is pending right now like I expected it to, though. I’ll follow up with what happens.

Kev
Kev

Any updates on this? Thank you for diving into it!

Kevin
Kevin

Sorry, just saw this comment. I have not received the bonus from my $10k Ally transfer on August 10th. The only thing is, I don’t know if the bonuses aren’t going to be paid out until closer to Sept 22nd anyway. Either way I’m covered, as my real employer DD will hit Sept 10th. Unfortunately, we won’t know for sure which deposit worked for the bonus because I didn’t think to either transfer a little less than $10k from Ally or make my employer DD a little less than $10k. It seems to me that they may manually review this so transfers from other banks probably wouldn’t work, though. Also, William hasn’t updated the post but it’s an Equifax hard pull to open this account. I’d say it’s worth it for $500 though.

Kevin
Kevin

Update: I decided to go ahead and do a $10k ACH push from Ally to try to trigger the bonus. It cleared this morning. The transaction shows “Deposit (my name) / C/O: (my name)”. For what it’s worth, the Ally test deposits showed up as “Deposit ALLY BANK / C/O: ALLY BANK”.

I’m not at all confident that this will trigger the bonus. I’ll still wait till Sept 1st to make DD changes with my employer just in case the bonus shows up but I’m not counting on it.

Also, my $750 initial deposit using the Citi DC card still hasn’t showed up. I sent them a SM asking about it so waiting to hear back. On Citi’s side, it showed it went through and coded as a purchase. Not sure why it still hasn’t posted to my account yet. It’s been a week and a half.

Kevin
Kevin

The $750 charge to Citi DoubleCash card went through and coded as purchase (also cash advance was already set to $0).

Logging into Mint this morning showed an alert for a new inquiry from this bank though. I couldn’t find where I could see the details of this so I’m not sure what bureau yet. I have an account with MyIDCare but it’s not showing up there yet.

On Mint, I even went to the Credit section but it’s not showing the inquiry details there either, at least not yet. What other resources do people use to check/see inquiries across all bureaus without having to wait months to view their credit reports?

Kevin
Kevin

After a quick google search (with one of those results ending up being an article from this site lol), it appears Mint uses Equifax for their scores/monitoring, so I guess they pulled Equifax…

Kevin
Kevin

Sorry for so many comments lol…went on CreditKarma and confirmed that they pulled Equifax.

Kevin
Kevin

Well, I took the plunge. I was able to opt-out of overdraft coverage. You don’t have to live in VA or DC. I live in Maryland. You only need to join the New Mexico Wildlife group or whatever it is, which costs $25. I applied with $750 into savings using my Citi DoubleCash ($750 is the max for CC). There were 4 ID questions.

My application is now in “underwriting” and I will be contacted by a credit union representative shortly. It appears this is a normal part of the process. I think there’s a decent chance I won’t get approved though. I’ve opened around 20 accounts with 15 different banks since April. 3 of them were just yesterday. I was denied from PNC yesterday due to Early Warning Services. I think the only reason I was recently approved by Elements Financial was because I already had a HSA with them.

Anyway, of course, I’ll comment with updates on what happens. Hopefully I can grab close to $500 with this!

Kevin
Kevin

Looks like there’s only one type of checking account available. One of the features of that checking account is overdraft protection. I assume this means that it’s almost certainly a hard pull? From reading other comments here, it’s my understanding that you’ll get a hard pull from many banks only if you select overdraft protection.

Will, in your experience, are you aware of any banks that don’t do a hard pull getting overdraft protection? Just wondering if there’s a chance of it still being a soft pull even with overdraft protection being a non-optional feature.

I may go for this anyway. I’ve read this before but forget the exact amount…what was the amount of value you like to get from hard pulls again?

Yet Another Redditor

This is tempting and the bank is in Northern VA too.
My thought is to setup a recurring 10K/month ACH from Discover to the bank and see if it triggers the bonus.
On second thoughts, 10K is too large for an actual DD for me and is kinda obvious. So may be do it like 8800 to make it look like a real DD?
I know – be the DP, I want to see, but just trying to think out load..

Kevin
Kevin

I assume you haven’t started the process for this yet? Are you still going for it? I’m leaning heavily towards giving it a try. I get paid once per month and I make a decent amount so this is perfect for me. There’s a “shared branch” 30 min away from me in Silver Spring, MD too.

I know you have some experience with these bonuses, can you read my comment below and respond with your thoughts on it in regards to the overdraft protection? Reading that the overdraft protection is a feature of their checking accounts (seemingly no way to opt-out), I assume it’s almost certainly to be a hard pull?

Ben
Ben

Have you tried the ACH from Discover? I already have a DOIFCU account and was considering throwing 9k into it from WF or CO360 just to see what happens. Based on the fact that they ask you in the form for your DD amount, I feel like this may be a manual process on their end.

Kevin
Kevin

Did you try anything? I did a $10k transfer from Ally a couple of weeks ago but haven’t received a bonus. My real employer DD will hit on Sept 10th so I’m covered either way.