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Parts Unknown
Parts Unknown

04/09 acct opened
04/23 $501 ACH push received from a different CU checking acct (used the same acct to pull funds out)
05/03 $500.69 money order purchase with debit card
05/19 $501 ACH push received
06/04 $501 ACH push received
06/15 $250 spend bonus posted
07/31 $250 DD bonus posted

Took almost 4 months & had to spend $15 on a society membership for eligibility, but a very easy $500

LX
LX

Which bank account did you use to ACH push?

Parts Unknown
Parts Unknown

Omitted on purpose. It’s a local credit union whos ACH pushes have counted as DD every time I’ve used it.

mothman69
mothman69

Parts Unknown What’s the reasoning for keeping it a secret?

Parts Unknown
Parts Unknown

It’s a unicorn bank that lets me do lots of different & fun unicorn things. As an endangered species unicorns need to be protected from people who call banks and ask why their Discover savings transfer didn’t count as a direct deposit. My general advice would to open up Google maps in your city, type in credit union or bank & start opening accounts and seeing what things are possible. Or do whatever you want and don’t.

mothman69
mothman69

I can understand your point that you don’t want to see a good thing ruined…but on the other hand, isn’t guarding that information a tad bit selfish? I thought this site was dedicated to sharing that kind of knowledge so that others might benefit from it as well?

Just my two cents.

Yaro
Yaro

Oh Man! If DOC’s Will had thought in this way to save Unicorns for himself, what would have happened to us ?!

Parts Unknown
Parts Unknown

There’s literally nothing stopping you from finding your own.

Parts Unknown
Parts Unknown

If the data point I posted wasn’t useful to you then disregard it and look at the other ones.

arizonapv
arizonapv

does your unicorn charge to make external transfers? Parts Unknown

Parts Unknown
Parts Unknown

No charge for push or pull.

tinker25
tinker25

Would you mind share what does the description say on the CU’s ACH push? Does it say P2P? or ACH Deposit?

Parts Unknown
Parts Unknown

Deposit ACH
Type: Credit

Ben
Ben

Andigo Credit Union $250 Checking Bonus DP (I completed the $250 debit card bonus awhile back using Venmo.)
– 4/29 – Account opened online
– 5/14, 5/29, 6/12, 6/29 – $255 Employer DD posted
– 7/14 – $505 Employer DD posted
– 7/31 – $250 bonus posted to Savings account

MikeyBee
MikeyBee

Already got my bonus, but I have a question about transfers. I transferred $1,000 into my Andigo high-yield checking, from each of two other banks, since Andigo pays 3 percent APR on my balance if I get one direct deposit and use my debit card 15 times each month. The two transfers are scheduled to process on July 20. When I tried to make a third transfer, from yet another bank, Andigo’s system would not accept my request, saying I had reached my limit on transfers. No explanation except from the Help screen, which was not very helpful:

“Transfer limits are determined based on info that we received from the consumer credit reporting agency that verified your info when you enrolled. The limit for your first transfer may be increased as you make subsequent transfers. Transfer limits may vary based on the direction of the transfer.”

Has anyone else encountered this? Is it a monthly limit? A limit on how many transfer requests can be pending? I can’t believe they limit how much money I can put into my account with them. Is it a money-laundering safeguard perhaps? How does my credit report relate to the number or amount of transfers?

fr33b13
fr33b13

It’s an Andigo limitation. You can push from your other bank into Andigo

MikeyBee
MikeyBee

The one I want to transfer from charges a $3 fee.

Snowbird
Snowbird

Do you have a hub account that you can pull from the first bank and then push into Andigo?

MikeyBee
MikeyBee

I’ll have to read up on hub accounts; the bank I tried, Fifth Third, charges a fee.

sparkle pony
sparkle pony

Account opened May 2020
6/4 $500 debit card spend w/ grocery store money order + 16 (0.50) amazon gc reloads
6/30 = $8 cashback
7/14 = $250 bonus in Savings

MikeyBee
MikeyBee

How does Amazon gift card reload work? I saw that on Amazon.com but didn’t try it because I wasn’t sure how it would make it easier to buy multiple cards.

ieatdogfood
ieatdogfood

It loads straight into your own account. You aren’t sending a gift card to anyone.

David
David

Finally got my account opened today after some issues with verification (I applied on the last day). All I see my savings account but no checking?

Jake N
Jake N

6/17 – 2x debit transactions via Square Cash app ($600 total)
7/14 – $250 debit bonus posted to Savings account

FWIW, a the Square Cash app is buggy and slow, but it lets you add / remove banks and debit cards as many times as you like, whereas there’s a limit on Venmo of 4 per rolling 6 months. Per a Venmo rep:

“Users can have up to 4 active or deleted cards in their account at any given time over a 6 month rolling period.

The 4 card rolling limit means that once you add a card to Venmo, it will count against your card limit for 6 months, even if you delete it. Cards apply to this 4 card limit if they were added fewer than 6 months ago (even if the card in question has since been deleted)”

Rajadat
Rajadat

I used the same method. So far no bonus and I completed my 2 Cash app transactions (paid P2) on 6/2 and 6/4 ($501 total). Did you load funds or pay P2 for your spend bonus? Or combination of each?

Joanna
Joanna

Check your savings account. The $250 debit card spending bonus posted today.

Jason_08
Jason_08

Nothing here, tried using Venmo to meet spending requirement. So maybe they caught on?

Joanna
Joanna

Venmo on 6/6 on one account and 6/17 on another account. Both received $250 today. I think that this bonus is for June spend.

Jason_08
Jason_08

Mine was Venmo on 06/14 . Maybe I should call in and ask if it doesn’t come after a couple more days

Rajadat
Rajadat

I’m in the same boat except I used the Cash app the 1st week of June and still nothing. I’m wondering if the promo code is even attached on their end (I know I triple checked my side, even took a pic), but yeah I’ll probably give it until Friday or so.

BlissfulApathy
BlissfulApathy

Jason_08 NO! DO NOT CALL THE BANK!!! https://www.doctorofcredit.com/dont-call-the-bank/

Either you get the bonus or you don’t. You need to wait the full time period according to the terms. Then wait another week or so. Don’t ruin it for the rest of us waiting. Please. I beg you, DO NOT CALL THE BANK.

Rajadat
Rajadat

Any luck?

Jason_08
Jason_08

waiting till next month to see if it went through before trying other avenues to get the spending requirement.

NN
NN

Yup, got mine! Met the MSR by purchasing a MO at WM.

VG
VG

Opening deposit counted as a cash advance for me with Chase Freedom Unlimited today.

Brendan
Brendan

Looks like the deal is dead

ieatdogfood
ieatdogfood

A Varo push was included in my semi monthly favorable APY email notification At this point, I believe nearly every ACH counts as an APY trigger, but as far as DD bonus, that is still to be known. I was just transferring money in, since I already fulfilled my bonus requirements with real DDs, so I won’t be able to explore this further.