[Expired] [MA] UniBank $750 Checking Bonus

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• still waiting for this bonus

• Warning, I opened both saving and checking on Mar 27, and finished the $2500 DD in mid April. Then I just left ~1 dollar in both accounts. On Jun 30, I saw the saving account balance was deducted to 0, the charge was called "maintenance Service Charge". In practice, I still maintained a positive balance for 90 days (Mar 27 to Jun 27; the deduction to 0 happened on Jun 30), and the 60-day deadline for bonus should be approaching; I will have to see how they gonna interpret if I didn't receive the bonus in the end.

  PS: technically, my initial $10 deposit was posted on Mar 31st, if that day was counted as day 1, 90-days should be Jun 29th, and the saving account was zeroed by them on Jun 30th; fxxk my gut feeling was they gonna play with this against me)

  • I doubt you'll get the bonus if you don't maintain minimum balance requirements to avoid fees and your accounts go to zero. The savings account has a daily minimum balance of $250 to avoid fees.

    The prudent approach to play this game with lucrative bonuses at smaller banks is to set up legit DDs in the required amounts, leave them going at least until your bonus is paid, maintain the minimum balances required to avoid fees, and pay bills out of the accounts in roughly the amount of the DDs. That way it costs you nothing and the bank has nothing to hang its hat on to deny you the bonus, but you don't have to actually switch banks temporarily never mind permanently.

    The approach of completely gaming the system through ACH pushes from your own accounts elsewhere and closing ASAP only works at big banks that determine bonus payouts using automation with no humans involved.

    • I just do a $1 DD until the bonus pays.

• Has anybody been paid the bonus?

  • I haven't got it yet either. The bonus terms were posted here before: https://www.doctorofcredit.com/ma-unibank-750-checking-bonus/#comment-2051067

    It says the bonus is supposed to pay out within 60 days after meeting all of the requirements, with one of the requirements being that "The new account must remain open for 90 days after account opening and must remain in good standing". So if I'm reading right, it seems like it might take up to 150 days from account opening to get the bonus credited.

  • Opened 3/31, met requirements with real DD, nothing yet, might call today and check in

  • Nope, not yet

  • Wondering the same, opened 3/19 and no bonus yet

• @2 Early account closure fee is $10 (within 90 days)

  • Fee Schedule: https://www.unibank.com/assets/files/3VdmGMAy

• Revington bonus is back https://www.unibank.com/revington

  • Never mind, this is the same old offer that expired in December. Not sure why the page is still active.

    • Yeah, both offers are dead I think.

• I reached out about my REVINGTON bonus ($500 bonus that was around before this one) and heard back again today (was supposed to pay on 5/26). Very long tail on this one, account was opened almost 6 months ago.

  Hi Peek,

  Thank you for contacting UniBank. I do apologize for the delay in the credit. Our operations team is actively working on credits. You should see the credit in your account by 05/30/25. Please let me know if you have any additional questions. Thank you for banking with UniBank.

  Sincerely,
  CSR

  • Bonus paid finally. Full DP:

    12/16/24 - Opened with $10 for REVINGTON bonus
    01/02/25- Real DD about $1250
    01/06/25 - Various Bill Pays
    01/15/25- Real DD about $1250
    01/17/25- Mortgage payment
    05/30/25 - Bonus Payment $500

    Had to contact support a few times but finally this one is done.

• Noticed a call on my voice mail from unibank, called them next day. Unable to reach the exact caller, but different rep told me, it is a reminder call for the bonus and re-assured that my DD is fine (they asked the employer name and manually confirmed, so no chance for fake DDs I think, unless any automation picks up during the posting of bonus), e-statement they confirmed fine.

  I stopped DD to savings and kept 100$ to the checking after a 2.5k each DDs. They said for the bonus, no need to continue the DDs but having 100$ to saving will avoid any fees if balance is lower than certain amount and accounts must be positively balanced for the 90 days.

  I already transferred money out of unibank and keeping about 50$ checking and 300$ saving. The rep also confirmed, no need to maintain high amounts as the he himself said not much of interest on the savings, but the checking account can get some good rate if 8 debit card transactions done in a statement period (i didnt even activate, and they said it will not affect bonus).

  I called again after a day to try speak to the same person who left me voice message, but was told she was not working - but re-assured same message as previous rep, and to wait for up to 60 days after 90 days of account opening.

• Did not get paid out automatically (I had enrolled in a different promo with this bank). Support said that I didn't enroll in estatements, which I definitely did. Suggest that people reach out to confirm.

• Got a call today updating me on the progress of the bonus, saying that I hadn't signed up for online banking or e-statements and that my two deposits (ACH pushes from Vanguard) didn't qualify as DDs.

  I had signed up for online banking and told them as much, and they looked for a few seconds and said "Oh, that's right." I'll have to find another DD method, usually Vanguard works.

  • Same for me. They said my dd wasn't correct but I told them it's from my legit employer and they were like oh ok. Lol morons.

  • You didn't mention estatements. Were they correct about you not signing up for that? Either way, it's never a good sign when reps give you wrong info.

• they called me last week about the bonus to ensure I understood the terms. They said besides the requirement to have a direct deposit totaling $2,500 within 90 days of account opening you need to maintain direct deposits (no minimum mentioned) for 90 days to get the bonus. Anyone else told this?

  • There was nothing in the terms of the revington offer I did about maintaining DD and I don't see anything in the terms Will wrote up in this post about that either. I reached out about my bonus last week and was told it would post next month and there was no mention that I didn't have DD set up anymore. Anyone have this offer saved for the $750?

    • From the PDF I got after account opening:
      To Earn $750 Bonus:

      • Personal accounts only.
      • Open an e by UniBank Checking account and a Direct Deposit Statement Savings account at any UniBank Branch or
      • online between March 1, 2025 - April 30, 2025.
      • Mention this promotion in person at account opening, or open online with promo code UNIBANK. Must be new checking
      • and savings account customer (customers who do not currently hold a checking or savings account at UniBank as either
      • a primary or joint signer). Must be at least 18 years old at the time of account opening.
      • Enroll in Online Banking.
      • Enroll accounts in UniBank’s eStatements.
      • Deposit $2,500 or more in qualifying Direct Deposits within 90 days of account opening. A qualifying Direct Deposit is an
      • electronic credit of your salary, pension, social security, or other regular monthly income deposited to your account by
      • your employer or an outside agency.
      • Both e by UniBank Checking and Direct Deposit Statement Savings must have a direct deposit totaling $2,500 within 90
      • days of account opening.
      • The new account must remain open for 90 days after account opening and must remain in good standing with a positive
      • balance for 90 days.
      • Limit of one bonus per household. UniBank may report $750 bonus under the primary account owner’s Social Security
      • Number on IRS Form 1099-INT as required by law. Any applicable taxes are the responsibility of the recipient. This promotion may be modified or withdrawn without notice. Employees and immediate family members are not eligible for this promotion. The bonus will be credited to the new checking account within 60 days after meeting all of the above bonus requirements.

  • Have you set up DD yet? I have set up DD through work's payroll into both accounts, and have not gotten any phone calls.

    • Yes, I had 2 or 3 direct deposits already. I’m hoping the lady didn’t know what she was talking about. I really don’t want to maintain direct deposits into both checking and savings for 3 months. She also said I needed to sign up for estatements which I already did but she indicated she didn’t have access to my accounts so couldn’t confirm. She was just making these calls about the bonus. Strange.