Notify of

oldest most voted

CredibleDan (@guest_1668051)
August 7, 2023 13:55

After 4 months of “where’s my bonus” phone tag, the bank supervisor finally called to tell me that I am ineligible since my DDs look like transfers to their system. My DDs were from a payroll company that their system didn’t recognize (Novo). The transactions included my name so it appeared like a transfer, but these transactions should fall under “other sources of net income” per their T&C. So I filed a CFPB complaint. It was forwarded to the NCUA and to Service CU, and ultimately I finally got my $100 a month later.

Matt (@guest_1653800)
July 14, 2023 10:48

DD Report.

Opened 4/1.
Real DD 4/14

Bonus did not post. Required multiple e-mail exchanges where the bank claimed different terms (dd amount different from what invite stated, DD must be recurring, etc.) than in the referral e-mail offer of a single $500 DD. Had to send them the referral e-mail received with terms of a single $500 DD and threaten a complaint to the NCUA.

Bonus posted 7/13 with no follow-up communication on dispute e-mail threads from the bank.

Katie P
Katie P (@guest_1642823)
June 27, 2023 15:44

Thin on DP’s here so sharing mine (so far).

3/23 – P1 signed up with referral, eligible via FFA (was already a member). Approved 3/24. Successfully CC funded $249 via FNBO Evergreen Biz Visa (lets you set CA limit to actual $0)
3/28 – P1 referred P2, qualified as a family member / approved. CC funding failed – was trying to use a Chase card, gave up and funded the minimum with a debit card (they called P2 after applying to let us know about the CC failing and collected debit card info over the phone).
Both received a Chex pull. No HP on credit
Both – April 15 & 30, May 15 & 30, Real DD’s of $501 each
6/21 – Both – $100 bonus posted automatically to savings account
No sign of the referral bonus yet (for the person who referred me, nor mine for referring P2).

Katie P
Katie P (@guest_1668871)
August 8, 2023 21:10

Did a chat 2 weeks ago to inquire about the missing referral bonus, they said I met the requirements and it would be credited in a couple of days. Still nada so I called today, got someone to go talk to a supervisor and it was credited a couple minutes after I hung up the phone.

Jas (@guest_1641602)
June 25, 2023 16:06

3/1: Linked account with Ally Bank and pushed $501 to the checking account

It has been more than 90 days, so the push was a failure and I cannot initiate a real DD. I have pulled the funds from the bank account and will close it down. Unfortunately, I could not find a secure message system on the website, so I will have to call in to close down the account.

Janner34 (@guest_1627612)
June 1, 2023 20:51

Has anyone had this payout recently (like in the last few months)?
I made two real DDs in February and no bonus yet. Lookin back through the comments it is hard to final anyone successfully getting a bonus.

Janner34 (@guest_1631970)
June 9, 2023 20:52

Well my bonus posted today – 6/9/23 after a real DD in 2/23

PABLO (@guest_1626717)
May 31, 2023 14:24

They denied my bonus due to the deposit not being a recurring deposit. Submitted a CFPB complaint.

Dominique (@guest_1613739)
May 7, 2023 11:28

Terms stated that this offer ended on 3/31/23. Yet I see that people have tried to refer others after that date. I don’t think that referrals will be valid if they are sent out after 3/31? If the offer comes back or the expiration date gets extended, I’m sure that someone will post about it. I haven’t found a newer, current offer anywhere else, and when I login to my Royal Referral Center account, it still lists the 3/31 expiration date there.

J (@guest_1592641)
April 6, 2023 14:00

Used a referral link, had a $510 legit DD hit in December. I was declined the bonus after several months of inquiries. Customer service said I didn’t meet the criteria because my *full* paycheck was not deposited. No idea how they determine what amount these *should* be (seems like an invasion of privacy). But eh, I’m not going to push it.

Whatever, not worth $100 of my energy, but this may help others. Keeping for the primary savings rate. YMMV!

Katie P
Katie P (@guest_1594094)
April 9, 2023 20:10

Wow that’s nonsense…. I would have fought them over it, personally!

GP Burdell
GP Burdell (@guest_1598047)
April 14, 2023 18:58

Why not file a CFPB complaint?

Trey (@guest_1592593)
April 6, 2023 12:49

Could someone send a referral link to, Thanks!

Lowvie (@guest_1589906)
April 1, 2023 17:48

If anyone needs a referral, you can email me at
I respond promptly.