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Davis

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

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

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

Gadget - Bank Bonus Geek

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

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

Davis

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

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

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

Gadget - Bank Bonus Geek

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

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

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

Davis Did you maintain $1k average daily balance?

Gadget - Bank Bonus Geek

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

Yes, initial deposit of 1k that I kept

anthonyjh21
anthonyjh21

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

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

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

7/31 Bonus posted for me as well

anthonyjh21
anthonyjh21

Delete

charlie
charlie

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

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

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

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.

payyoutuesday
payyoutuesday

They are still closing OOS accounts. P1 then P2 closed down this week.

Gadget - Bank Bonus Geek

Did they ever take the $15 membership fee for the foundation?
Did you get your membership card in the mail?
I’ve had both of these things happen… I did not sign up P2… Yet.

payyoutuesday
payyoutuesday

No, they never took the $15 fee. Both P1 and P2 received the membership card.

One odd thing is that my bill pay never worked. I set up a couple of transactions and have been getting daily error messages.

General question for you (not related to this bonus): I recently started keeping EX, TU, EQ frozen — do I have to unfreeze for a bank to do a soft pull?

Gadget - Bank Bonus Geek dot com

Once I got an e-mail receipt for the “foundation” I set up my DD. Not sure why I got through and others didn’t though – I guess some reps are doing what the website says and the foundation is a way in.

Yeah, bill pay is one of the first things I click on when I get my account access…. gives me an idea that they finished setting up the account. Mine comes up and can add a payee, but I have not used it.

And yes, any bank with which you do not have any existing relationship cannot do a soft pull on your credit with it frozen. At least that is my understanding. Banks often want that soft pull to screen you for other products, and identity verification. How badly they need that information could vary from bank to bank, and I personally only tried it once or twice and it was a colossal mess, but I was trying to avoid an HP. https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs#can

payyoutuesday
payyoutuesday

Thanks, Gadget!

charlie
charlie

Trying to trigger DD’s. Ally and Schwab Brokerage code as PPDACH. States ACH Deposit at the end for both of these. Anyone with different account/codings. Trying Robinhood and Transferwise.

Davis

Good luck. I’ll do real DD in case I need to fight for the bonus as I’m OOS.