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Jeff Star
Jeff Star

I got the instant denial as well and it said they couldn’t confirm my identity online. I called and the representative said that it’s an issue with the device/browser I was using… so I tried on a different computer in Microsoft Edge (I was using Firefox before) and it worked. The representative also said that you get 3 total tries and after getting denied with the unable to confirm identity thing the 3rd time, you’ll have to go in branch to apply.

Pascal
Pascal

Instant denial. Received an email that stated:

Thanks for choosing BMO Harris Bank. We received your application for a new Smart Advantage Account and Statement Savings account, but we didn’t open them as we weren’t able to confirm your identity online.
If you have any questions, please call 877-563-3736 and mention your reference number xxxxxxx when you call.

I called and was told that the problem was I was applying from behind a firewall. She suggested I try again from a different device or connection.

I tried again after disabling my adblocker, same error.
I noticed my IPv6 geolocation was wrong via https://www.whatismyip.com so I disabled IPv6 (my IPv4 geolocation is fine), same error.
I tried Chrome on Android instead of Windows, same error.
I disabled Wi-Fi (AT&T fiber) on my phone and tried again (via Google Fi / T-Mobile), same error
I tried again on my laptop entering all data by hand, same error.

Felina
Felina

Opened the checking and saving yesterday. It seems to open an online account, I need to have my account number. I called customer support for it but was told I have to go to a local branch. -_- I live in IL, but there’s no branch within 70 miles. Any suggestions?

mothman69
mothman69

Felina The application should have provided your account numbers once you were approved. If you did not happen to write them down you can try calling the nearest branch and seeing if they could provide it over the phone. I can’t remember if BMO Harris mails you a welcome letter with your account information.

DP719
DP719

Felina I also did not receive any welcome letter from BMO but like mothman69, the account information was provided during application and I took a screen shot.

Felina
Felina

I see. Thanks, mothman69 and DP719. I didn’t even notice the account number when it’s approved online. I pulled $25 from my Ally account to BMO checking and saving. Ok, I’ll try calling the local branch instead tmr.

Felina
Felina

Updates: I called customer support again. This time the rep offered to create an online account for me. Now I can check it myself. They just cannot disclose the account number on the phone. Anyway, problem solved. Yay! 🙂

Rob

This also worked for me. I just called and said I was having trouble setting up my online account. They helped me set it up and I was able to find out my account number through my online access. Thank you!

Danny
Danny

Argh, signed up a couple of months ago when it was $200. I always seem to sign up for things when they increase the bonus later.

JohnnyBoyJr
JohnnyBoyJr

Banks usually have better bonuses later spring – summer. I’ve learned to hold out for a little while longer.

Tallynole
Tallynole

So, Instant denial for P1 and P2. P1 rec’d an email about something called a QualiFile Score. I am proud to say I scored 1 point over a nearly perfect worst-possible-score. P2 received no like email. Anyone have any idea what the heck this score is, OR a way around it?

Background, I’ve been at this for about 8 years, and have been selective about opportunities and frequency, and this is the first time I’ve run into the issue.

Ross
Ross

That’s your Chex score. I think it’s on your actual report that you can have mailed to you. I’ve had denials that have stated my Qualifile score on my Chex report. I’m not sure you can do anything to raise it. Mine was at ~520, I disputed 1 inquiry that I didn’t recognize, they sent requests to every bank and I had 12 inquiries removed from no responses. Score didn’t change at all.

Tallynole
Tallynole

Wow, I guessed they’ve changed the branding. I got 101.

RB
RB

Both P1 & P2 got instant denial.

Later got below email.

Thanks for choosing BMO Harris Bank. We received your application for a new Premier Account and Statement Savings account, but we didn’t open them as we weren’t able to confirm your identity online.
If you have any questions, please call 877-563-3736 and mention your reference number XXXXXXX when you call.

Burton

I’ve been dealing with this to. I called and the rep said everything was fine, to just try again and make sure to type in all info instead of letting it autofill and to not be on a VPN. I tried again and got the same message. I might just go into a branch because they sent me a physical mailer and it is relatively close.

RB
RB

It must be their useless stupid system. Just another useless bank. Without even asking questions related to ones identity how can the system say was not able to confirm your identity online? Closest branch is like 130+ miles making it difficult to drive just for the sake of opening this bank account. Might just have ti skip it I guess.

Ape
Ape

Hmm. I’d love to do this offer if they weren’t so stringent with what counts as DD. Looks like some institutions count for some people but not for others too.

Captain Greg
Captain Greg

It wouldn’t count on any institution counting. If you look through the comments, it seems like they try to go through each account individually to ensure people are getting real DDs.

Felina
Felina

Am I reading it wrong? Where does the $650 come from? I see I can open a checking with a $500 bonus if DD over $7500, and then saving $5 per month up to 12 months. Isn’t that $560 in total?

TJ
TJ

I signed up for the $400 offer last month. Will they upgrade me to the $500 offer if I request it?

Rico
Rico

Try it. Be the DP

j
j

I tried last time and had no luck with DD – seems that only real works.

Floating Heads
Floating Heads

I would never do a BMO bonus without a real DD just because the likelihood of needing to prove your case to CFPB to get the bonus is high. Terrible bank.

TOm
TOm

These people are real strict with the DD requirements.
“We reserve the right to request documentation that the direct deposits qualify”.

Burnout1749
Burnout1749

They reserve the right to deny it anyways, even if you prove it.