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knuds1b
knuds1b (@guest_1820579)
March 27, 2024 11:03

I can’t find any of the terms/conditions language DoC posts above for this bonus. The current link is still active, but it doesn’t mention needing to have no account for six months, nor any bonus forfeiture language. Just one account per household is the only limit I could find? I am hoping to churn this again.

Alozy
Alozy (@guest_1813148)
March 13, 2024 15:29

FYI, Cook County is not eligible.

fmb
fmb (@guest_1812614)
March 12, 2024 16:28

How do you transfer money out from the account? When you go to “Transfer,” there’s no option to add a new bank account or do an external transfer. This is the most basic and simple online banking account I have ever seen.

AccountOpeningBonusDude
AccountOpeningBonusDude (@guest_1815833)
March 18, 2024 11:52

I am having the same issue. I also can’t seem to add the account through plaid to my hub account. It finds the bank (after guessing which of the 10 F&M banks it actually is), and logs in and has my security questions, but just when you think you can add it, it says try again later. I guess I could always manually connect to one of my other banks but that is twice as many transfers and less liquid funds. I guess that is better than taking a random trip to ohio since I live pretty far away from any branches.

S
S (@guest_1811966)
March 11, 2024 14:46

Digging into this one a bit, it looks like it might be specific to their Bucks Back or Loyalty Rewards checking account types (on their comparison chart further down the page, only those two have any info in the “Account opening bonus and other rewards” row, with other account types x’ed out)- both have $5 monthly fee, waivable but with monthly activity requirements.

fmbiz
fmbiz (@guest_1805992)
March 1, 2024 09:08

Do NOT opt for checks…. they charged $15 for the basic checks and there was no indication of such fee.

Otherwise all went smoothly opening the account.

durr
durr (@guest_1812104)
March 11, 2024 17:38

I’m going through account set up right now.

It literally says “Order checks for your convenience. Additional Fees Apply.”

What did you think “Additional Fees Apply” meant?

fmbiz
fmbiz (@guest_1815850)
March 18, 2024 12:31

Obviously I missed it or assumed the most basic option would be nominal or free. Fool me once, that’s on me. Regardless, the warning stands. $15 for one single book of checks is ridiculous. Just letting people know…

killdozer
killdozer (@guest_1802599)
February 24, 2024 15:34

Attempted the mothman address trick from OOS – declined due to Transunion. Bummer.

Sonoma Mann
Sonoma Mann (@guest_1819630)
March 25, 2024 19:07

The… mothman address trick?

mothman69
mothman69 (@guest_1819797)
March 26, 2024 07:13

Read this comment.

Ra Bug
Ra Bug (@guest_1802130)
February 23, 2024 13:48

Opened account 2/13/24
had to call for PIN for online banking registration
2/21/24 deposited the funding opening deposit of $50 (from Chase, but I don’t believe it matters from where)
2/23/24 $250 bonus added to account!!

not even sure if I have to fund further or bother with direct deposits or any other deposits
the Smart Checking account has no monthly fee and no minimum balance requirement
must keep open for 180 days

Lucky
Lucky (@guest_1790146)
January 31, 2024 22:49

Only for US Citizens and PR’s.

Matty
Matty (@guest_1780404)
January 18, 2024 11:04

Link directs to F&M landing page which states: “Establish one Direct Deposit or automatic payment (ACH) which posts and settles to the account.” Not sure if this means DD is now required.

Alex
Alex (@guest_1771430)
January 5, 2024 09:52

Used OOS trick. Couldn’t fund account initially and they seem to have no way to add an external account online for transfers. Decided to verify and push from Chase. When I went to do the micro-deposit verification, I noticed they’d closed out my account immediately afterward. The person on chat said it was because my IP address was in IL and told me that was outside their servicing area. If you’re OOS (including IL apparently), you’ll have to use a VPN I guess.

Lori
Lori (@guest_1796279)
February 11, 2024 08:28

Illinois shows to be one of the targeted areas?? Is the DOC info wrong?