Posted by William Charles on July 20, 2019
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Published on July 20th, 2019 | by William Charles

94

[Expired] [IL only] Andigo Credit Union $500 Checking Bonus

Deal has expired, view more checking account bonuses by clicking here.

Offer at a glance

The Offer

Direct link to offer

  • Andigo Bank is offering a bonus of up to $500 when you open a new checking account. Must use promo code CHECK500. Bonus is broken down as follows:
    • Get $250 when you open a new checking account and set up a direct deposit (must receive direct deposits of $500+ for three consecutive months)
    • Get $250 when you complete at least $500 in Andigo Visa debit card purchases within the first 90 days after opening account

The Fine Print

  • Offer available for new members and members without an Andigo checking account within the last 12 months.
  • Must use promo code JOYN on application and be approved for membership.
  • Membership at our credit union is a privilege granted by our members under state law.
  • Offer subject to change without notice.
  • For complete details, contact Andigo Credit Union. All bonus payouts may be taxable.
  • To receive the $250 new checking bonus:
    • Member must open a new Cash Back or High-Yield Checking account, subject to approval.
    • Direct deposit must be setup within 60 days of joining and/or opening new checking account. Qualifying direct deposits are regularly recurring electronic deposits from your employer or government agency (e.g. Social Security).
    • Person-to-person and bank transfers between your Andigo accounts or accounts you have at other financial institutions or brokerages do not qualify.
    • The $250 checking bonus payout will be deposited into your Andigo primary share account within 30 days after the third consecutive month of $500 or more in total direct deposit. All checking accounts must be opened by 9/30/2019 to qualify for bonus payout.
  • To receive the $250 purchase bonus:
    • Member must have at least $500 in Andigo Visa debit card purchases (signature or PIN-based) within the first 90 days after opening checking account.
    • ATM withdrawals and cash withdrawals from a PIN-based transaction do not qualify as a purchase.
    • The $250 purchase bonus payout will be deposited into your Andigo primary share account within 30 days after meeting requirements.
  • All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Their checking account has no monthly fees to worry about.

Early Account Termination Fee

According to the fee schedule there is no early account termination fee.

Our Verdict

Fantastic bonus, previous best was for a total of $400 and that required a CD as well. This is an extra $100, although it does have a debit card spend requirement. Still think it’s definitely worth doing if you’re eligible (sadly you’re not if you’ve had an account within the past 12 months). This will be added to our list of the best checking account bonuses.

Hat tip to readers nathan P & Jeff

Useful posts regarding bank bonuses:



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Dan
Dan

Any out of state try in branch?

AnHeroicHippo
AnHeroicHippo

Last time this was around (https://www.doctorofcredit.com/il-andigo-credit-union-150-referral-bonus-parties) there were a few DPs of this working out of state. Anyone have any more recent info?

Brian
Brian

So I am self employed, is it safe to assume that I would not qualify for this since I have no way of setting up a direct deposit through an employer?

Thanks

Gadget 🕵️

The $250 spend bonus should apply to anyone who spends $500, regardless of the DD. I would try alternative methods of the DD in your situation, but I seem to recall a lot of people saying other methods do not work with Andigo. They may be manually verifying. As someone who is self employed, it’s not outside the realm of possibility that some of your earnings do come in via PayPal, Serve, etc. But yes, the catch is that it’s not from an employer/govt.

Adam D
Adam D

In your case, I would open up at Robinhood account and push funds from there.

Eddie S
Eddie S

I’m reading you can just make a $15 donation to connectvets to become a member.

https://www.andigo.org/Andigo/Become-a-member

SOZ
SOZ

If I open this account on Sept 30, 2019, what’s the latest date for the first DD to qualify for the big bonus?

Celia
Celia

The post says within 60 days of opening.

SOZ
SOZ

Post says: “Setup”. IMHO vague.

Celia
Celia

I would assume that setup means start, so I would make the assumption that it’s 60:days and wouldn’t chance longer.

ilovetoyap
ilovetoyap

I joined Andigo as an out of state member six months ago and it was no problem but I did not receive the last bonus (it was $250 at that time on the checking account alone). Since the terms clearly listed the code was only for IL I didn’t ask when it didn’t credit. However, CC funding and the 3% rate applies with a $500 DD and 15 debit card transactions for all.. kept my checking there as is a fair rate.

Missjenniferd1
Missjenniferd1

Was that for establishing dd or just to simply open the account? If it was for dd, did you use a real dd?

whodidntante
whodidntante

Charged the $3,000 opening deposit to BoA WWF Cash Rewards Visa. It reduced the cash credit line by $3,000. So it looks like this will post as a cash advance. Will update.

SamL
SamL

What would that potentially cost?

Anthony Patton
Anthony Patton

Everything.

SamL
SamL

You make it sound like Pascal’s Wager.

whodidntante
whodidntante
SamL
SamL

Okay, that really doesn’t seem worth the risk, except in cases where you’re really sure it will go through as purchase.

Frank

That’s why you set the cash advance limit to $20 so the charge won’t be accepted

ilovetoyap
ilovetoyap

The cash advance is new.. I funded two accounts six months ago as purchases on Chase. Oh well most banks are changing over ever since we lost PNC.

SamL
SamL

Why not charge it to BoA PR or TR to get 2.625% instead of 1.75%, or did you hope it might code as online to get 5.25%?

whodidntante
whodidntante

So rather than pay a 5% cash advance fee and immediate 27.24% interest on 3k, I decided to withdraw my application with Andigo. This should reverse the transaction.

SamL
SamL

Let us know if it does.

whodidntante
whodidntante

Yes, it does. The transaction fell off today. Dodged a bullet.

Brandon
Brandon

they won’t approve anyone. ‘My friend was like 2/12 and denied. They asked him for his drivers license after the app was submitted separately and then took like a week to tell him he’s denied. Andigo sucks lol

John
John

Codes as cash advance on CitiBiz AA mastercard

VDESH
VDESH

Did you setup your cash advance limit to lowest?

Missjenniferd1
Missjenniferd1

So where does it say that you have to be in Illinois? I read the terms and I don’t see it anywhere. Is this stated somewhere later during the application process? I’m tempted to do this and use my real dd and do $500 in debit card trans, but not if I’m not gonna get paid.

Missjenniferd1
Missjenniferd1

I applied out of state Tennessee
All went smoothly. Passed identity
Funded with usaa limitless
At end it said thanks for applying and that a representative will contact me
Nowhere did I see anything about Illinois only so we will see.
Did anyone get instant approval?

missjenniferd1
missjenniferd1

also, $3000 pending on usaa limitless.

Gadget 🕵️

I had my account from about a year ago when they were letting out-of-staters slip in via online app. Tried to signup S.O. for this promo with me as her family member a few days ago. Funded 3K with Citi DoubleCash (first time it failed w/ fraud alert, text and e-mail from Citi, replied and tried again, and then funding went thru).

Received an e-mail the next business day. Unable to open an account, no reason given. “…after much consideration, we regretfully inform you that we are unable to open an account for you at this time.” Attached document implied Chex. Which is silly, because her Chex is way less busy than mine.

And no, they don’t do instant approval AFAIK. If you get past the gauntlet, they will ask you to upload D/L, SSN card, and utility bill. Just to weed people out. At least that is what happened in early 2018 for me.

missjenniferd1
missjenniferd1

hopefully they will be happy to have me, but your comment, i dont think they will be, i’ve been on a bit of a spree lately, lolollollololol

missjenniferd1
missjenniferd1

so did they process the citi dc and you got the cashback, or did it not go thru since they didnt open the account? would be nice if you at least get the cashback for your trouble.
so i wonder if thats why doc has it as IL only, if they deny everyone out of state, because i saw it nowhere in the details. honestly they should just put it in there if they dont want out of staters. if they call me im gonna tell them im moving to IL next month and want the account set up ahead of time. they shouldnt leave it open for everyone to apply then lie about it claiming its chex related for the denial. someone posted in other recent comments that they were like 2/12 and still got denied. i wasnt going to bother, but i figure why not? might as well and hope for the best. i did the same regarding applying for 2 credit cards i wanted and figured i would get turned down for both but instead got approved for both (i have too many inquiries and too much debt and not enough income so i figured theyd decline for all of those reasons)

Gadget 🕵️

They did not process the CC transaction. It disappeared off Citi login. Never know, you might luck out.

They never said it was Chex, but that is what they imply.

Attachment said:

Notice Date: 7/19/2019

We are unable to accommodate your request to open a deposit account with Andigo Credit Union at this time. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied your request to open a deposit account at Andigo Credit Union. You also have a right to a free copy of your report from the reporting agency, as long as you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.

Agency Address:

ChexSystems, Inc. (removed)

If you have any questions regarding your report, you should contact ChexSystems, Inc. using the contact information above.

If you have any other questions regarding this notice, you should contact:

Credit Union Address:

Andigo Credit Union (removed)

With me sponsoring her as a family member, I don’t see any other reason why they can deny the account/membership. I suppose we could have tried another avenue to get my S.O. membership, but probably a waste of time and money.

Oh, and looking back thru S.O.’s e-mail, I tried this one before, in April 2018, at that time I was trying to refer her. Exact same response, denied, no reason given.

Maybe I will have S.O. call this week and ask what the fudge? Probably say we need to go in branch…

missjenniferd1
missjenniferd1

did she upload the dr license? i got an email that told me to log into some portal and upload dr license, that was immediately after i applied. i saw some post that they were told to upload documents like a week later and were denied, but then i wondered if they were denied for not uploading the dr license immediately after applying. or maybe theyve changed it since then, because i got several emails which i usually ignore, but decided to read them in this case since so many are being declined and it told me a web address that i needed to go to and upload dr license right then. i will probably still get declined though, and thus far, i havent been asked for utility bill or ssn, but i did upload the dr license to their portal.

Jack
Jack

You haven’t been asked for an SSN? That’s the first thing I’m asked when opening a bank account

missjenniferd1
missjenniferd1

no, jack, the actual card to be uploaded along with utility bill. i realize ssn is th #, but gadget had been speaking about having to upload the actual card, which is what i was talking about.

Jack
Jack

Got it. Guess I’m out since i don’t have my actual card, haven’t in 20 years. Never been asked for it. 🙂

missjenniferd1
missjenniferd1

im always asked for it. especially when you apply for a job, and sometimes for bank promos they want a copy to make sure (i suppose) that the number is actually issued to you, but seems there must be ways around that since ther’s lots of identity theft. you might want to contact soc sec admin to get your card sent to you, its a pretty big deal that you dont have one and that you havent had one in 20 years. im 47 and i think i had to have one by the age of 16, maybe even younger, cant remember.

shak
shak
Gadget 🕵️

S.O. did not get a request for ID/DL, this time or last time. She applied at 11PM at night, and the instant e-mail she got was “Your Account Disclosures”, which are just generic links. And yes, I checked the SPAM filter.

When I applied in 2018, I did get a request for portal upload. D/L, SSN Card, utility bill.

missjenniferd1
missjenniferd1

Gadget 🕵️ the subject line of the email says “thanks for submitting your app!” , then in the body it says:
Thanks for starting the process to join Andigo. We look forward to helping you reach your financial goals. One of our reps is reviewing your application and will follow up with you shortly. Please help us help you by logging into the Status Center and uploading your state issued ID or Driver’s License.

If you have any questions, please email us at newaccounts@andigo.org or call us at 877.270.6392.

Have a great day!

Andigo Credit Union

missjenniferd1
missjenniferd1

also, the status center is hyperlinked to this:
https://forms.fivision.com/andigo/sc/
maybe it will let you check for furhter info about your ap there. take note though, that you have to look at the bottom left corner of the page to setup a password, since you arent assigned one, then it will send you an email to reset it and change it to one you select, then it has a screen to upload your dl.
i figured everyone got this, Gadget 🕵️ you’re starting to give me a bit of hope!!!

missjenniferd1
missjenniferd1

i also got the disclosures one as well, but right behind that was this other email.

Gadget 🕵️

Actually she did get the D/L request. How weird they snuck in that link. Either way, I did login and says denied. I don’t imagine I am going to have SO call.

Did you get approved?

Missjenniferd1
Missjenniferd1

Nope. Declined for chex on 3 accounts this week. Andigo, iberia, and Christian community. Thats why i switched to credit card bonuses last week. No bank bonuses for me recently.

Servo
Servo

FYI – Andigo is the former Motorola Employees CU, and their financials are not in great shape. So, if you’re going to put money here, my recommendation is to get it out as soon as the promo hits.

Youngestofallthebuck
Youngestofallthebuck

Source on their financial issues?

Gadget 🕵️

Fake news. Mix real info (former name) with fear.

https://www.depositaccounts.com/banks/andigo-credit-union.html#health

Celia
Celia

Thanks for that link. They just opened two new branches within 4 miles of me. Tempted to do this but being self-employed the DD is always a killer.

Gadget 🕵️

$250 on $500 spend is a pretty good deal, Esp. without a HP. I’m assuming you can do one bonus without the other.

Celia
Celia

True. I will have to look into it. Thanks.

arizonapv
arizonapv

How did you get the little icon next to your name? (The one to the right of Gadget) @Gadget

Gadget 🕵️

It’s a secret. 💸🏧💰💍🔧🧲

Javier
Javier

Any list of which cc post as a purchase (and not cash advance)?

Ryan
Ryan

Anyone churn Andigo?

Got the bonus 18 months ago and a subsequent application was met with a response along the line of “sorry, you can’t get the bonus twice.”

Gadget 🕵️

LoL… they must have some savvy screeners. I have plans to churn them someday. After collecting the checking bonus (only $150), I kept a savings account going, retaining my membership, and got a $100 bonus for opening $10K in CD’s – which also was 10K in CC funding. (however NFCU didn’t pay out on the rewards for 3K of CC funding) Current promo says you must not have had a checking account in last 12 months. I am only at month 3 or 4 since closed.

Mike P.
Mike P.

Could not fund with either CIP or U.S. Bank Business Cash Rewards with cash advance blocked.

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