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M
M (@guest_2091730)
July 3, 2025 13:54

Anyone get bonus yet? If not when are you expecting?

Chris
Chris (@guest_2091076)
July 2, 2025 16:03

Applied 6/13
Called 6/18 for update was told i would get a response from branch
Email received 6/20 asking me to unfreeze credit report (forgot to unfreeze 1 of the 3 ones), and was asked to explain why I had 10 chex inquiries in past year, replied with rational and confirmation all credit agencies were unfrozen

Never received a reply, emailed for f/u 2 days later and nothing yet.

Bezos
Bezos (@guest_2080704)
June 18, 2025 19:14

Whats everyone doing for the 10 debit card purchases? They took forever to mail my card so I’m getting it late next week and only have until end of June. Can I do 10 Amazon reloads? Whats the quickest way?

Michael
Michael (@guest_2080859)
June 19, 2025 01:21

How long from signup to get debit card? What did you use to satisfy DD requirements?

M
M (@guest_2082173)
June 21, 2025 00:16

Long time. They never sent it intially and by the time I realized I had to wait 2 weeks and now I have a week left before my last month is up to do 10 debit card transactions

Michael
Michael (@guest_2087699)
June 27, 2025 09:24
  M

That’s very frustrating indeed. I’ll make a note to call or stop into a branch. Maybe they can print one on-site. What did you use for the direct deposit requirements? Employer or pushes from another source?

M
M (@guest_2091728)
July 3, 2025 13:53

Employer

2 Good 2B
2 Good 2B (@guest_2076895)
June 12, 2025 17:06

Applied 5/28
Sent message for status update 6/6
Called branch 6/11 and left voicemail
Finally got approval 6/12 and completed DocuSign

Chex pull – not sensitive. No hard pull. In footprint.

Lefty
Lefty (@guest_2075917)
June 11, 2025 11:45

Successfully opened the account. Took 3 days total. Located in footprint. They do not appear to be Chex inquiry sensitive any longer. Previous application from July 2023 was denied due to Chex: 3/1 8/3 13/12 28/24. They do still pull Chex and I see the inquiry on my report.

Approved with Chex: 5/1 7/2 9/3
Also I didn’t get any notifications that a hard pull on my credit was completed although the application that I docusigned had a checkmark for “Credit” and “Check Verify”.

M
M (@guest_2080784)
June 18, 2025 21:55

What’re you doing for debit card purchases?

Michael
Michael (@guest_2080856)
June 19, 2025 01:18

Any DPs with successful DD outside employer payroll?

M
M (@guest_2082172)
June 21, 2025 00:15

Did regular payroll. Have you done debits with the card yet ?

M
M (@guest_2091729)
July 3, 2025 13:53
  M

@lefty get your bonus yet?

SG
SG (@guest_2073385)
June 6, 2025 12:05

5/28/25 Applied for Account
Accidentally indicated was a member but I am not so it has been pending approval (was out of the country for vacation so didn’t see messages until got back in town)

6/6 Saw messages, let them know of error and approved for and opened both membership and checking account.

No credit pull as of yet.

If Chex was pulled its doesn’t appear to be sensitive bc CS is LOL/3 and LOL/6

Will update with more details for datapoints but according to terms that DD requirement is pretty lax with RTP counting for it

SG
SG (@guest_2074235)
June 8, 2025 10:19
  SG

No Chex nor Credit were pulled but for reference Chex Stats currently are 3/3 9/6 9/12

Curmudgeon
Curmudgeon (@guest_2053838)
May 3, 2025 00:30

Application link is broken. Correct link is https://www.mainstreetcu.org/new-checking-account-bonus

Paper statements are $3/mo

Can fund $3000 if ACH from another bank, $505 on credit card. System recognized Visa/MC/Discover/Amex but I used Visa.

No instant approval. Got this message “you have successfully completed your account request! An Advisor will reach out to you via email for any addtional information required. Please make sure to check your spam folder if you haven’t heard from us.”

No hard pull alerts yet. They might do that before final approval. Since it needs to be looked at by a person I’m guessing nothing until Monday.

Joe
Joe (@guest_2059917)
May 12, 2025 20:33

Did you get a hard pull on your app?

Approval?

Curmudgeon
Curmudgeon (@guest_2060303)
May 13, 2025 13:16

No hard pull yet. They called and wanted a utility bill to verify residence and were supposed to send me a link to upload that, never did. Requested again today to get that sent to me, so we’ll see what happens. As of today, no account opened

Curmudgeon
Curmudgeon (@guest_2061192)
May 14, 2025 20:38

Still waiting for their link to upload my utility bill 🙁

Joe
Joe (@guest_2063949)
May 19, 2025 19:39

Any luck?

Curmudgeon
Curmudgeon (@guest_2064113)
May 20, 2025 02:26

I’ve reached out several times with zero results. 🙁

Lefty
Lefty (@guest_2075521)
June 10, 2025 18:18

Any update since last comment? I applied and application status says “Approved Pending” but no update in 2 days. They did pull Chex for me and my stats are very high. Was previously declined due to Chex but this time seems more promising given it wasn’t an instant decline.

Curmudgeon
Curmudgeon (@guest_2075547)
June 10, 2025 18:45

I gave up trying due to lack of response

Lefty
Lefty (@guest_2075650)
June 10, 2025 20:59

That’s a little odd that they never responded. What does the status say on the Check Application Status page of their website? 2 Good 2B said theirs says “Referred” but mine says “Approved Pending”. I’ll probably end up calling them to get an update since it seems they don’t follow up.

Curmudgeon
Curmudgeon (@guest_2076335)
June 11, 2025 22:50

My status is “no application in the past 90 days” I guess they really don’t want me as a customer

2 Good 2B
2 Good 2B (@guest_2076892)
June 12, 2025 17:02

I called yesterday and left a message about my application. Was finally approved today after 15 days of no activity.

2 Good 2B
2 Good 2B (@guest_2075676)
June 10, 2025 21:46

If you just need to upload a doc, you can get to your application from the main webpage. There’s a place to upload there…

Lefty
Lefty (@guest_2075914)
June 11, 2025 11:41

My application was approved on day 3. Submitted DocuSign to complete opening and account number was included on the form. Form says they pulled Credit and Credit Check but only see Chex inquiry.

DMB
DMB (@guest_2043800)
April 14, 2025 14:26

Can anyone confirm its still a hard pull?

SG
SG (@guest_2074228)
June 8, 2025 10:02

No hard pull for me

Nathan
Nathan (@guest_2043657)
April 14, 2025 09:38

Anyone try OOS?

Tony
Tony (@guest_2043371)
April 13, 2025 09:13

I had an account with them years ago which has been closed for at least a couple years. Anyone know if we can do this again? Do they reactivate the same old membership making me ineligible?

SG
SG (@guest_2074230)
June 8, 2025 10:10

Even if they reactivate your previous membership account you would likely still be eligible. It doesn’t require you to be a new member as long as is a new checking account. Terms specifically states, “Valid for new and current Members without an established checking account. Requires a new checking relationship with the Credit Union.” So as long as they don’t re-open an old checking account (which I don’t think they would), it sounds like you would qualify. The terms do go on to state, “Members can only receive one new checking account opening related bonus every three years” so I would make sure that you meet the time frame requirement.