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snailrock
snailrock

Maybe I shouldn’t be posting this, but…the ReferLive link the promo sends you to for T&Cs requires a code, which is METRO300. They don’t do a hard pull, allow 2k in credit card funding (went through for me as a purchase, despite the “may be a cash advance” warning), and aren’t Chex sensitive, or at least they aren’t if you don’t have recent inquiries (hadn’t had any in a month or so). We’ll see how it goes

snailrock
snailrock

Yep, the online method works.

Also, you have to log in to the website on the back of the card to activate it. I don’t think(?) that was on the paper provided with the card

Sa
Sa

@snailrock Are you saying we can open online and still get the bonus?

Sa
Sa

snailrock Are you saying we can open online and still get the bonus?

snailrock
snailrock

For now, yes. You can just register yourself through that page (lol)

Sa
Sa

snailrock What did you use for DD?

snailrock
snailrock

The free transfer service that’s popular around here. No memo. The terms don’t specify that the DD needs to be from an employer or anything though

Sa
Sa

snailrock Sorry to bother you again, how long did it take from fulfilling the requirements to receiving the gc?

snailrock
snailrock

Np 🙂 If it was the push from my local credit union, a few days short of a month (or over if they counted the micros). If it was that service, less than a week since I put it in (it hadn’t actually posted when I received the card in the mail!)… So I’d count on it taking the month. It was at the very beginning of the month though, so I guess they *could* be checking by calendar month.

Sa
Sa

Thank you

snailrock
snailrock

The ReferLive terms even seem to contradict the website: “To earn your $300 Visa® Reward Card, you must register for the offer using the Offer Code located on the Metro Credit Union brochure (registrations may be completed online at http://www.referlive.com/metrocuoffers, by calling 888.878.0261, or by returning your completed brochure to your local Metro Credit Union branch), open a new eligible Metro Credit Union My Reward Checking account and complete the following within 60 days of account opening:

Complete one (1) or more direct deposits, AND
Complete one (1) or more debit card transactions (ATM withdrawals excluded)”

I definitely wouldn’t count on those being the “official” terms of the offer though.

Embarrassed
Embarrassed

Went to the Tewkesbury location around noon on Saturday. The woman pulled chex and started laughing at me. Then she told me they won’t open the account. I asked her if I could appeal to a manager and she said “why so you can get the reward money then close the account like all the others?”. Then she thanked me for wasting her time and told me to leave. Pretty sure other people heard this going down. It’s been hours and I’m still cringing. Beyond humiliating.

Peek

Wow. Harsh.

L
L

She woke up and chose violence.

Sa
Sa

Very crappy behavior on her side. She could have just said “based on chex we will not open…”. There was no need to insult you. Thank you for sharing this here.
Unrelated and off topic: was watching a random YouTube video yesterday, of some rapper talking about Drake. Apparently, when Drake “beeffes” with someone, he moves into their neighborhood and starts dating all their family members that he can.

AFK
AFK

Totally unnecessary imo. “She could have just said based on information on your profile, we cant open an account for you”. Simple!

Kyleius-Juelyus

@Sa
You kinda missed out on the information in her saying those extra things. That’s some great data points there. She confirms what DoC’ has been saying bout closing accounts soon after getting the bonus. If a bank is giving good bonus, they are trying to attract good customers. A lot of us gamers don’t think about the effects of how they are playing the game. When I get a good bonus I try to keep the account open for 6 or more months. I have a whole bunch of accounts I haven’t closed even after a year, especially when they give referral bonus. if they give big bonus I at least try to keep a relationship with the bank by at least opening another kind of account (savings, mm, small brokerage) before closing the checking.

@Embarrassed
Next time your answer shall be, “I have no intention of closing my account, especially since you offer referral bonus.” I’ve heard great things about your bank and will be referring friends and family who I know will appreciate it your quality service also. I remembered someone on here gave the explanation to a banker’s question of why he had so many inquiries and accounts opened; “Each bank had something that I liked or continued where they other left off with supplying my needs. For instance I like banks with higher interest rates to put my money. One may offer 5% interest up to 10,000 so I leave 10k there and so forth. Another may offer 3-5% cash back on debit card or credit card. So I may open an account for me and the kids. etc

Mike
Mike

Embarrassed This was extremely unprofessional. You should file a complaint to the credit union so they can take disciplinary action against her. Jesus Christ.

Embarrassed
Embarrassed

This will sound kind of lame, but I’ve been having cringe flashbacks since, so I’d rather never think about her or that situation ever again.

AllenW
AllenW

I would of filed a complaint with the NCUA. That guarantees your accusation gets taken seriously.

In a sense it’s discrimination and other potential customers shouldn’t be Judged by her when it’s not her job.

L
L

Embarrassed Embarrassed Embarrassed Are you still thinking about it?

Peek

Aside from opening in branch, membership also seems to be county specific: https://www.metrocu.org/personal/how-do-i-become-a-member

bob
bob

They cover everything that could be considered metro and then some. Hardly an onerous restriction.

Blake
Blake

I wish there were data points on the direct deposit. My HR person is probably tired of me always adding and removing new accounts :p

fearthez
fearthez

I’m in the area, I’ll give it a try and report back

fearthez
fearthez

Based on this experience I’m much less inclined to give a try, I’m extremely lol/24. May consider trying another location

https://www.doctorofcredit.com/ma-only-metro-credit-union-300-checking-bonus/#comment-1357647

JL
JL

Yeah I made an appt but prob gonna back out after reading this lol

snailrock
snailrock

fearthez JL Code is METRO300. If that’s useful information