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knuds1b
knuds1b

This is back for $200 again, plus the $20/month for a year then $10 a month yadda yadda

https://www.laurelroad.com/checking/loyalty-checking/

They use the same server as KeyBank, FYI. So if you have/have had a KeyBank login, they’ll make you use that KeyBank login as part of your identity verification. Then you have to verify your phone number with a security text no less than 3 times in the process. But that is the entirety of it.

For those who’ve tried before and were denied, try again. I applied back in October and was denied. Applied today, received an email a couple hours later to finish my application and provide ‘more information’, and was successfully approved after aforementioned login/texts. Got the account and routing numbers right off the bat, which was nice.

Chex: 3 in 6mo, 13 in 12 mo, 19 in 18mo

RobertL
RobertL

I was stuck at this step, the pop up window ‘Before you see your application decision, you’ll be asked to log in using the User ID and password which you use to access Laurel Road or KeyBank online banking and the mobile banking app’, however I don’t have any username from Laurel Road or Keybank.

When I clicked ‘enroll’ online banking, it asked me for the account number or credit card number, it seems like a dead circle. Anyone know how to solve this?

RobertL
RobertL

Solved. Applied Keybank before, got a keybank user ID even without approval.
Declined due to Chex sensitive. Second time on Laurel Road.

Kratos
Kratos

DP: For laurel bank…Cap one worked perfect but disc only worked first time…showed as p2p afterwards so I wouldn’t bother

Gadget - Bank Bonus Geek 🔗

How a DD appears doesn’t indicate effectiveness. There is a tracker, so there is no question if something worked. Tracker updates after a day or two.

temp
temp

DP: Ally, Cap1, Axos all worked for DD requirements

Victoria
Victoria

Got the $300 + $20 bonus today! P2 and I were both denied for this account when the first $500 bonus offer came out, so it was great that we were approved this time around. I missed out on my first possible month of getting the $20, but oh well. I signed up on 12/21 but my account was not opened officially until 12/27.

I did a single DD of $2500 from Wells Fargo that posted on 2/21 and my bonus posted today, 3/1. My P2 has a similar timeline and also used Wells Fargo. The bonus tracker immediately indicated that our direct deposits qualified once they went from pending to fully posted. Thus, we didn’t have to try any other direct deposit sources since we were assured by the bonus tracker that Wells Fargo worked.

P3 got in on the previous $500 bonus and is eligible to receive $10 monthly now. She used multiple DD’s from Liberty Federal Credit Union adding up to $2500 this month and got the $10. The sign up bonus is not churnable by any means. P2 and I used the nurse link, are not nurses, and never received anything additional in the mail.

vc

First $20 monthly bonus finally posted. IDK if you guys who opened on 12/31 (or later in the yr) caught this, but your acct opening date is likely in January. The problem is that the tracker says that you’ll start earning the monthly bonus on the first day of your first full monthly statement. Pretty sneaky of them. But, I w/d my funds the same day that my qualifying deposit hits, so I guess we’re even.

mangorunner
mangorunner

I hate it when Laurel Road (or any bank) sends an email:
“Your checking account statement is ready. …your checking account statement is now online. We just wanted to let you know that your statement for your Laurel Road checking account ending in xxx is ready for you to view.”
And you log in, and no, the statement is not there/ready.

Atomic
Atomic

12/29/2022: Account opened.
01/09/2023: $1,251 push from Fidelity Cash Management account. In-account tracker turned yellow for the month indicating progress made toward the $2,500 DD requirement.
01/17/2023: $1,251 push from Fidelity Cash Management account. In-account tracker turned blue for the month and shows $320 for “Earned in 2023”.
01/30/2023: Pulled everything except $1 out into Schwab brokerage account.
02/01/2023: $300 posts as “Laurel Road Loyalty Welcome Bonus”. $20 posts as “Loyalty Checking Reward”.
02/09/2023: $2,500 push from Schwab brokerage account. In-account tracker turned blue for the month and shows $340 for “Earned in 2023”.

Easy enough bonus. Will keep pushing and pulling between Fidelity and Schwab to get $20 monthly bonus and probably keep the account for the $10 monthly bonus thereafter. Interesting note is that trial deposits counted toward the $2,500 monthly DD requirement.

NP - Good DPs
NP - Good DPs

Awesome DP. Your 02/01 doesn’t really make sense though because you aren’t supposed to get the $20 for the first month, it starts from the second.

Otto
Otto

Their account was opened in December, so January was actually the second calendar month and eligible for the $20.

NP - Good DPs
NP - Good DPs

Ah didn’t catch that, thanks

Jimmy
Jimmy

Quick question: For the $20 bonus per month is the requirement to direct deposit $2,500 in 30 days, or $2,500 in 60 days? So in other words if I have $1,250 every 30 days in Direct deposit, would that be enough for the $20 bonus per month? Thanks.

Otto
Otto

You need $2500 each calendar month to get that month’s bonus. No, $1250 per 30 days would not be enough for the monthly bonus.

Peek

Jimmy If you read the comments, several different banks work to trigger this with just ACH transfer. You can just push the 1250 twice a month.

vc

You’re confusing the monthly bonus w the main bonus. Main bonus required $2,500 in 60 days. Monthly bonus requires $2,500 every month. There’s also a tracker that shows you your dep and the bonus target. Click on “Details” to see the chart.

Natalia
Natalia

Applied 1/4/2023
NEVER heard back from them
no mail , no email, no phone calls… Absolute silence
I must assume it was a decline, who knows..

MOTDOC
MOTDOC

Are the Discover pushes from checking, savings, or does it not matter?

Dominique
Dominique

MOTDOC It looks like just about any ACH deposit source should work for this bank, so I would try either one. The tracker will immediately tell you once the DD clears whether it will qualify for rewards or not. I know for a fact that Discover Savings will work since there are multiple DPs on this thread indicating that it works.