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Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1705094)
September 28, 2023 21:26

DP: Credit card funding is now $2,000 per account application. Used Citi Double Cash MC, not yet posted, but almost certainly will be a purchase. Additional accounts added later on a separate application can do $2K more CC funding. I forgot to check if Amex was available, but likely just Visa/MC.

As an existing customer, I was able to add the “Rosey’s Holiday Club” Savings account. I opened that account because in September 2023 this credit union implemented a $5 per month fee if you do not have another deposit account besides the membership share. I’m assuming that the club account will waive the monthly fee.

I tried to apply with my Chex frozen, hoping they would not need it since I am a member already. When I submitted the application, they soft-pulled Chex (Inquires Viewed Only by You) but didn’t open the account. After a few days, I called and they said I had to lift the freeze, or the application would be canceled after so many days. Lifted the freeze and they pulled Chex the next day.

I’m keeping the membership active in case they come back with another checking bonus promo in the future – I am out of footprint/OOS so I doubt they would let me rejoin. I closed my checking account in August 2022.

ShawntheShawn
ShawntheShawn (@guest_1329017)
February 9, 2022 17:37

Received an email on Jan 28th that “Your 1099-INT is ready to view at http://www.firstcommercecu.org. Please log-in to iBranch! Digital Banking to retrieve your tax form.” But I have closed my account, so I could not get into the Checking or Savings account details page to access the eStatements/eDocuments link. If you haven’t closed your account and the eDoc link is not tied to your account, can you share it? Thanks. Davis Gadget - Bank Bonus Geek Charles anthonyjh21

Davis
Davis (@guest_1329024)
February 9, 2022 17:42

I didn’t receive an email and my accounts are closed too. I’ll try in a few weeks to message them for it

anthonyjh21
anthonyjh21 (@guest_1329052)
February 9, 2022 18:09

Davis Gadget - Bank Bonus Geek ShawntheShawn

I had the same issue and after sending an email to [email protected] (and bumping it once) they replied they’re sending it out via snail mail.

ShawntheShawn
ShawntheShawn (@guest_1329074)
February 9, 2022 18:32

Thanks. I sent a SM about a week ago. I just logged into my online account and saw that they finally got back to me today saying the tax form has been mailed. anthonyjh21 Davis Gadget - Bank Bonus Geek

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1329070)
February 9, 2022 18:28

I still have my account. The link is account-specific. ShawntheShawn Davis anthonyjh21

They DID report the value of the bonus on the 1099-INT, plus pennies of interest.

Block 1 Interest income $300.42

PAYER: FIRST COMMERCE CREDIT UNION 2073 SUMMIT LAKE DR TALLAHASSEE FL 32317 (850) 488-0035

And, if you are a weirdo that wants the PAYER’S TIN: 59-0687423… Enjoy!

ShawntheShawn
ShawntheShawn (@guest_1329076)
February 9, 2022 18:34

Thanks, Gadget - Bank Bonus Geek. That’s my guess. I did not take note of the pennies of interest, so I need the 1099-INT form.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1329080)
February 9, 2022 18:36

Not really. I am pretty lazy about moving funds out, so if you beat me, I would be shocked.

(meaning you can just round down)

ShawntheShawn
ShawntheShawn (@guest_1329085)
February 9, 2022 18:39

Well, if the interest were more than 50 cents…You were fairly close…Just wanted to be sure.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1329095)
February 9, 2022 18:53

If they mailed you a final statement, or you saved one PDF, it says the interest earned for the year. And if the IRS audits you over a $1, I will personally donate $100 to your defense.

Total Dividends Paid Year-To-Date .42 (From my July statement) (not $300.42)

But I understand. I wait until late March to file and I like accuracy.

ShawntheShawn
ShawntheShawn (@guest_1329229)
February 9, 2022 22:04

yep, I like accuracy and dislike giving irs ideas. Your laziness may be correlated with your wealth 😋

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1329239)
February 9, 2022 22:12

I don’t like to create waves, at least not until after I get the bonus. I try to play the part of the interested customer. What does a $1 balance say about your desire to use your brand new bank/CU? Reps notice.

But yes, the more boring I can make my tax return, the better.

Davis
Davis (@guest_1236181)
August 9, 2021 13:16

3/22: Opened account with $1k that remained the whole time, had called in about 9 times to confirm my eligibility (AIA or, if that failed, the donation route) and how to enter that into the application (use a dummy family member). Also sent them a message when I set it up stating my true eligibility to which they never responded to
5/14: $1k real DD
5/28: $1k real DD
6/15: $1k real DD
6/30: $1k real DD
8/02: Contacted them for bonus, they said I wasn’t eligible
8/03: Filed complaints with NCUA/BBB/Florida AG
8/05: Email asking me how I was eligible to join, responded with AIA
8/09: Phone call asking me how I was eligible, responded with AIA, $300 bonus provided

Overall a little stressful bonus, communication was lacking throughout their credit union, they actually asked if I specifically signed up for the account for the bonus and then were going to close it after and offered to pay me $300 and then shut down my account rather than donating the $15, to which I said I would do that if they didnt accept my AIA membership, which eventually they did.

Benjamin P
Benjamin P (@guest_1232228)
August 1, 2021 00:46

Did DOC make a mistake, the terms said nothing about July 31st and said offer is expired. I think he meant 4/30 instead of 7/31.

I didn’t apply for the bonus because of this

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1232230)
August 1, 2021 00:52

Yes… It was a clerical error. It’s been expired for awhile.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1232081)
July 31, 2021 15:20

Winner Winner Chicken Dinner! OOS – used the foundation as affliation.

4/2: Acct open
4/16: Rep pulled $15 for the “Foundation” fee after I returned their call via email.
4/30: $2k Real DD
6/1: $2k Real DD
7/1: $2k Real DD
7/31: Iearn ATM Fee +$300

Bizarre description for the bonus… Glad the wait is over. Davis ShawntheShawn charlie

ShawntheShawn
ShawntheShawn (@guest_1232172)
July 31, 2021 20:40

Yep, $300 bonus was posted with a super odd description of “learn” and category of “ATM Fee.” Victory to celebrate~

Davis
Davis (@guest_1232853)
August 2, 2021 16:38

Nothing for me. I called and they said I had to be in service to get the bonus. I said I don’t see that in the terms anywhere. They said it was in the documents that I signed and would send over a copy to me. I looked through the documents and didn’t find any, so I sent them the terms and said to pay the bonus or I will file an NCUA complaint

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1232964)
August 2, 2021 18:33

I think you will win, but it will probably be a while. Good thing you had the foresight to do real DD’s. CSR’s love to make up rules. Good luck.

Davis
Davis (@guest_1233777)
August 4, 2021 00:09

They never responded to my followup emails so I filed NCUA, BBB, and Florida AG complaints

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1233782)
August 4, 2021 00:14

That will keep them busy for a while… while they come up with new stories to tell. 😆
Since it wasn’t in the terms, seems like a no-brainer that you will win. I will say my dispute with US Alliance took about a year, and I only won on a technicality. Yours seems clear cut.

charlie was blowing up their phone a month ago, but hasn’t said if he got his? I need closure. LOL

Charles
Charles (@guest_1233794)
August 4, 2021 00:27

Yep got it :-). I hadn’t been enrolled in the foundation. So I had to sort it out with them. Edit: OOS. Was told I wouldn’t get it. Had to sort out with a higher up to make sure they deducted the foundation fee from my account. It wasn’t automatic and thought it was. I mess d up tajy part but got it resolved.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1233801)
August 4, 2021 00:39

Generally, I never believe anything a phone rep tells me about a promo. They usually can’t see promo info, and never go to the front-facing website.

But, that’s good you got it and it’s done. And, we supported their little foundation.

anthonyjh21
anthonyjh21 (@guest_1233809)
August 4, 2021 00:49

Davis Did you maintain $1k average daily balance?

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1233814)
August 4, 2021 01:06

Good call. That’s why they waited until the very last day… to see if anyone faltered.

On each monthly statement it says:
Annual Percentage Yield Earned 0.050% from 0?/01/2021 through 0?/31/2021, based on Avg Daily Bal of $????.??

Some people like to sweep out their DD’s and funding right after it hits. Who actually would spend their paycheck?

Davis
Davis (@guest_1233898)
August 4, 2021 09:22

Yes, initial deposit of 1k that I kept

anthonyjh21
anthonyjh21 (@guest_1233803)
August 4, 2021 00:43

Also OOS:

4/5: open
4/20: $15 foundation fee
4/30: $2K real DD
5/14: $1k real DD
5/28: $1k real DD
6/15: $1k real DD
6/30: $1k real DD
7/31: learn “ATM Fee” iEarn $300 credit

Tallynole
Tallynole (@guest_1231990)
July 31, 2021 09:06

Opened IN service area, P1 and P2
Paycheck 1 and 2 are April for 1000 each
Paycheck 3 and 4 May for 1000 each
Paycheck 5 and 6 June for 1000 each
No payment on 30 July.

I figured they might be doing a final assessment last night and posting Monday or Tuesday.

devin
devin (@guest_1231615)
July 30, 2021 09:05

Mildly useful data point:
4/26 Opened IN service area
5/4 paycheck DD #1 $4k
6/2 paycheck DD #2 $4k
7/30 no bonus paid yet

devin
devin (@guest_1232642)
August 2, 2021 10:28

7/31 Bonus posted for me as well

anthonyjh21
anthonyjh21 (@guest_1217408)
July 4, 2021 15:12

Delete

charlie
charlie (@guest_1211176)
June 24, 2021 02:16

OOS. Still have account open. Completed requirements. And messaged asking when the bonus would post. They said I didn’t live in the service area so I didn’t get the bonus. I fired back the T&C’s that didn’t state you had to live within service area. Currently filed a CFPB which then got transferred to the Florida Office of Financial Regulation. I’m also lodging an FTC against them. Good luck if you’re out of service area.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1211181)
June 24, 2021 02:35

Settle down… per terms: “Bonuses will be paid no later than July 31, 2021”

Have you seen anyone IN FOOTPRINT mention a payout? So, you calling them achieved nothing other than heartache and distress. CSR’s don’t know how the promos work. Just let things happen naturally.

August 1st I will grab my pitchfork and storm the castle with you, but until then, I’ll just chill. IS250 ShawntheShawn Davis payyoutuesday

charlie
charlie (@guest_1218139)
July 6, 2021 09:42

I joined via the foundation route. And I had assumed they would have deducted the 15 from my account I had even pushed over 1015 on opening. They never closed my account or followed up about lack of donation. So I guess I fell through a crack. Spoke to a higher-up who told me I hadn’t contributed thus was ineligible for the bonus. No where in the T&C’s does it state you have to be an “eligible member” to get the bonus. I guess that was implied but never written. They then said they could deduct it from my account right then and there, which they did. Fingers crossed it’s all good, but it seems to be ok if your OOS. Just make sure you do your donation manually.

Gadget - Bank Bonus Geek
Gadget - Bank Bonus Geek (@guest_1185010)
April 30, 2021 18:20

 William Charles  Chuck This offer has expired. The offer signup deadline was 4/30, not 7/31. Guess they shut it down sometime today instead of midnight.