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Sam F.
Sam F.

Can someone kick me, please? I missed this and the US Bank $300 deal that both ended at the end of June. Both on my spreadsheet, but I just spaced out the deadlines.

Trey
Trey

Did the previous offer for $275 total
DP: Push from PNC triggered DD requirement
Opened – 2/21/20
Checking Bonus Posted – 3/4/2020
Savings Bonus Posted – 5/27/2020

Brendan
Brendan

The person being referred only gets the bonus they sign up for, and the referer gets the $50 gift card.

Gadget - Bank Bonus Geek

Based on what? Terms, calling-in, or real-life? Because, Referlive has always had terms saying you cannot combine, and if you ask the bank, they will tell you that too. But in practice, Referlive has stacked every time I used them in the past.

Mali
Mali

Opened account for $175 bonus using St. Louis, MO address (the nearest branch is 15 min drive in IL)
Initial funding using chase SW doesn’t go through (with CA limit as $100)

Brendan
Brendan

$1,200 with CIU went thru as cash advance

jan
jan

Have anyone received the 1099 int for 2019 from them? Thank you!

Irie

This bank offers multiple similar offers.

If you click the middle option:
You can do DD $300 or bill pay as well as $100 in savings to get $175. That is a 43.75% return on your money. Assuming it takes the maximum amount of time to get the bonus (120 days), it is an annualized return of 202%.

Compare this to the current posted Choice Checking and Savings with $25k needed, (right most option) you only get a 1.57% return on your money and 4.87% annualized return.

JT
JT

This article is incorrect. There is no forward checking account. To get this bonus, you must open the “Choice checking” and it has a $25 monthly fee that can be waived with a $10k balance.

Dan
Dan

worse than their regular offer. screw tying 25 grand for 90 days.

Gadget 🕵️ Bank Bonus Geek

Yeah, the $175 normal offer, + Money market $100 for 30 days of $10K was/is a better deal.

Torg
Torg

That offer still seems to be available. Click the link but click the $275 tab instead of the $400.

das1996
das1996

Where do you see $10K for 30 days? I see $10K for 90 days under the $275 tab of this link – https://www.associatedbank.com/packers .

Gadget 🕵️ Bank Bonus Geek

Yeah, my mistake. I signed up back in October.

Open 10/10/19
Funded full 10K 10/17/19
Paid out 1/9/20 (just under 90… which leads me to believe they go off the open date, not the full 10k funding date)

I primarily did that account in order to do a Joint account, then P2 did a separate checking for the $175 once she had a login. Worked beautifully.

das1996
das1996

I just don’t know if the $10K/90 is worth doing it. I have an account earning 2.25% apy (through end of Q2/2020). So I’d earn an additional $45 for by going this route. 4% vs 2.25% for 90 days. BUT,

Then there’s the added hassle of keeping both accounts open for a year so they don’t claw back the bonus. The money market account has a min balance of $1K to avoid fees.

Are you keeping $1K in the monkey market account to avoid fees?

Gadget 🕵️ Bank Bonus Geek

Currently, yes, I left $1K in there. I plan to call them and either downgrade to something else like a savings with a $300 minimum, or, if not possible, zero it and close. I really don’t think they will retract the bonus if it’s closed early, and technically there is nothing to retract if the balance is zero. Obviously I am not going to point that out so they do, and yes, in some strange universe they could bill us. Highly unlikely. Or, I might just leave the $1K in there. The best I can do for the interest rate on my overflow accounts is less than 2% because I don’t play the rewards checking game. So, I am ok with floating $20 of lost interest to a bank that paid my family $175 x 2, plus the$100, plus $50 referral VGC’s x 2. Oh, and a baseball player bobblehead that will make a great gag gift.

Plus, I mostly did this that MM account, so I could make a joint account. P2 wouldn’t have had access to get an acct, as we are both out of footprint and I am having to find ways to keep it alive. And, with the $15K that didn’t go into Associated, it was repurposed for Citi $500 bonus, and later this month, the Chase $600 bonus.

Oh, and speaking of closing, because we had 4 months of no activity on SO’s checking, they sent her a card in the mail saying at month 6 they turn over the money to the abandoned acct state dept and close the account. So, it appears they aren’t a fan of inactive accounts, which means they probably auto-close $0 balances on the no min fee checking. (card said any withdrawal or deposit would keep it active & reset the clock)

Hoops
Hoops

Available in Indiana as well