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Kyle
Kyle

Opened the elite and called to downgrade after bonus posted. Rep was so nice she downgraded me to the Carefree account and reversed the $20 fee I got back in June. I didn’t even ask. Customer service seems to be top notch.

macie
macie

what number did you call

Kyle
Kyle

I called the branch I signed up with. They transferred me somewhere else though and I had to leave a message. Not sure if it was a specific department or what. They finally called me back a day later.

Youngestofallthebuck
Youngestofallthebuck

William Charles

CC funding unfortunately no longer available. Only can fund from a checking account or another First Merchant’s account.

Joe
Joe

$500 bonus posted on 7/3, called local branch to downgrade account, done in about 5 mins, no questions asked other than typical account verification info.

SOZ
SOZ

Identical experience this morning with rep @ Darien branch via phone.

AllenW
AllenW

P1 $500 bonus posted and P2 the $400 posted. Will attempt to call and get a product change. P1 was hit with 2 monthly fees already.

Brendan
Brendan

AllenW could you provide the dates and sources of transfers?

AllenW
AllenW

P2

4-29 denied.
6-16 open
June 500+ deposit Alliant chase and discover
15 debit transactions
7-3 Bonus $400
7/6 Called branch and downgrade to Advantage

P1
4-29 open
May 500 deposit Alliant Serve and discover
Statement no fee
June 500 deposit from payroll
Statement with a $20 fee
7-3 Bonus $500
7/6 downgrade to Advantage (still shows elite possibly bc a MGR has to do it)

So only 1 fee, but 2 cycles for the $500 but the $400 was right away. Still a net of $55 excluding the 25% taxes of the extra 100 and 20 fee. Hopefully I get the referrals then that would be an extra 100.

Rejection
Rejection

Anyone successfully downgraded the account to low fee / no fee checking after getting the bonus? Are the reps easy on that??

James
James

REJECTION Yes, but you have to call the branch to do it.

REJECTION
REJECTION

Thank you! So you immediately downgraded it by calling the branch after the bonus was posted, and the rep is okay with that?

James
James

REJECTION Yup, no questions asked

REJECTION
REJECTION

Thanks for the DP!! Gonna call today

macie
macie

wow lucky you…branch is telling me i need to come in person to sign a form to change the account type…not really sure what to do now. hte branch itself is quite far from me and i wasnt expecting this type of issue to downgrade/cancel

Brendan
Brendan

macie call another branch

REJECTION
REJECTION

I called the Plymouth, MI branch to do that. No hard questions for me.

ExpertGH
ExpertGH

$500 bonus also posted today for me.
Opened account 5/1
Requirements met 5/15
Bonus posted 7/3

Kyle
Kyle

Wasn’t expecting it but my $500 bonus posted. Not sure what triggered it as I did transfers from USAA, Chase and Vanguard.

REJECTION
REJECTION

Anyone successfully downgraded the account to low fee / no fee checking after getting the bonus? Are the reps easy on that?

REJECTION
REJECTION

Also, anyone received the $500 bonus?

MCT
MCT

No, from the other data points it looks like I’m going to have to file a CFPB. If I had known it would be this much trouble, I would have done the $400 bonus instead.

REJECTION
REJECTION

When are we supposed to receive it if everything goes not wrong?

MCT
MCT

Within 8 weeks after all qualifications are met.

SOZ
SOZ

I got the $500 bonus this morning. Gonna call the Darien IL branch Monday to try for a downgrade to a free account.

REJECTION
REJECTION

Thanks!! Please report back What happens when you call.

SOZ
SOZ

Reported results above.

MCT
MCT

My $500 bonus posted today!

REJECTION
REJECTION

Mine also posted today! Anyone tried to downgrade it right away? Any issue from rep with it

puli H
puli H

06/05/2020: Account opened for P2
06/09/2020: Alliant xfer 600$
06/16/2020: Alliant xfer 500$
06/29/2020: Completed 15 debits
06/30/2020: Employer DD posted
07/01/2020: Branch Checking offer reward 400$ In Process

macie
macie

my $500 bonus should have posted today and it hasnt. feel like this is gonna be a PITA now. sent firstmerchants a message this morning.

i had legit employer DDs and they told me bonus would post 60 days from May 1st..

macie
macie

wow..received the following reply from customer service:

Thank you for contacting Customer Service. Please reach out to the banking center you selected to be your home branch to inquire on the bonus for the account. Customer Service is unable to issue the bonus as it is the branch who is responsible for the bonus to be paid out into the account once requirements have been met. If you need further assistance please reply to this message or call Customer Service at 1-800-205-3464.

screw this. will file CFPB if local branch doesnt issue me the $500 bonus. i shouldnt have to be tossed around for them to payout by hte date they said they would pay

Dan
Dan

They replied exact same message to me. So I called The Plymouth MI local branch itself and they told me 800 and messaging is BS. All promos are paid via 800 center system. I don’t even know what to do at this point. Pls report and let me know how yr fight go? How do u cFPB bc I want to join