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Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

William Charles Offer for $150 till October 31st, 2020: https://www.sandyspringbank.com/offer/myfree?product=51725&partner=100&source=SSB006FB

Anyone know if applying online when OOS works?
(the only DP in DoC’s “Banks That Allow” seems to be linked wrong)

MTPDC
MTPDC

Pissed off – I signed up on August before the deadline when the requirement for the free account bonus was $300 deposits. I never got it and the bank told me the requirement was $500 and never changed.

Midn02
Midn02

Any update on this one? The promo is no longer reflected on the direct link to their website. Appears to be expired (unless they are rolling out an updated offer).

Tuck
Tuck

Went ahead and applied even though I was skeptical about Chex – 6 Chex inquiries in last 90 days. Got an “Unfortunately we cannot process your application at this time” — is not an outright denial but will report back on final decision. Anyone have any luck with this message?

Tuck
Tuck

Can confirm that I was denied because of Chex. Received snail mail of denial.

Gadget 🕵️

Trying this bank again, applied today. (Tried in late 2018, and was denied after a week of being open) Instant approval – account number assigned. BofA Premium Rewards $250 CC funding pending.

Tried to signup for online banking – failed. Hmmmph.

I should have just 4 other Chex inquires in the last 3 months, so I am pretty close to the supposed 3 in 90 day limit. Had I been smart, I would have don’t this one before M&T, but that one is so much more fun!

IS250
IS250

Good luck

Gadget 🕵️

Yeah, I kinda want to see what happens with this before jumping on Incredible. Debating….

IS250
IS250

I was going to try this in branch hoping they’re more lenient for Chex but I backed out

Gadget 🕵️

Been a full week since application, but I got nothing in the mail or e-mail from them other than the initial “your account is open” e-mail. Called today to follow up, as I had not been able to create an online banking login. After being on hold for a minute, CSR came back and said they have sent me a letter. Reason was that I had some “reports” on my Chex report, and I would need to reach out the them.

So, AFAIK I had 4 Chex inquiries in the last 90 days, which apparently was too much. I am going to pull my report just to prove it. So, sticking with the story that 3 or less is OK. Hence why my SO was able to get an account last year.

My $250 CC funding has going through at BofA, so I imagine my letter will also have a check. FYI IS250 Hashtag shittyMS

IS250
IS250

Thank you for saving me a headache

Gadget 🕵️

3 pieces of mail arrived today from Sandy Spring. What good news did they have for me?

– My monthly statement (9/24 – 9/27)
– My boilerplate adverse action denial letter, citing Chex, along with my refund cashier’s check for my $250 CC funding. Dated 9/27
– A Confirmation of Transaction Notice showing they withdrew the $250 from my account. Dated 9/27

With the check, there was also a slip with a handwritten note. Description/Remarks: “To close out the account due to multiple entries found on the chex systems”. FYI IS250

Plan: Pulling my Chex again…. to get a 3 month count.

Gadget 🕵️

My Chex Report arrived today… On the date I applied (9/24), I had 4 inquires in the last 90 days (not counting Sandy Spring). Denied.

I also find it interesting that the bank that is so concerned with inquires leaves two inquires. They pull Chex when you apply, and another pull when they deny you. Today I submitted two Chex disputes on the two duplicates, for Sept 2019, and Nov 2018. S.O. applied last year, got approved, and did not have duplicate Chex inquires. A-holes!

Edit: While I had S.O.’s Chex in hand, noticed she had 4 inquires when she was approved, not counting Sandy Spring. So she must have fell thru the cracks, or they have other criteria than 90 days.

El Guapo
El Guapo

How quickly did you receive checks from them?

Gadget 🕵️

If you mean a CC funding refund check – 12 days. https://www.doctorofcredit.com/md-dc-va-sandy-spring-bank-100-checking-bonus/#comment-321687

If you mean bonus check, 4 months, DP below. If you mean using bill pay, mail a check, no clue.

El Guapo
El Guapo

Sorry, I meant checkbooks to be used for the account. I can only change DD at my employer by giving them a voided paper check.

Gadget 🕵️

That sir, sucks. I almost never order checks, even if they are free, as they just become another thing to dispose of later. Only when I plan to keep an account for a long time do I even think about checks.

I dug up my opening letter, and they did not send a starter check with the letter, unless I already trashed it. Some banks send you starters if you call and ask, for free.

Or, does your employer even accept starters? I would just order some from Walmart before paying $20 a box that some banks charge.

Good luck! I don’t think you are going to get a real accurate response because most folks are not in your shoes and this is not a popular bonus, so I gave you my 2 cents instead.

Gadget 🕵️

William Charles Suggested edit to comment & Offer at a Glance: Expiration = October 31, 2019

tk
tk

This has been extended again to October 31st, 2019. Offer requires $500 DD now, instead of $300

MTPDC
MTPDC

Signed up today 8/20 and funded $250 with US Bank Altitude Reserve (USB AR if anyone is searching); initially posted “FINANCIAL INSTITUTION – MERCHANDISE AND SERVICES” … hoping this works out!

IS250
IS250

How’s your Chex (if you get approved)?

MTPDC
MTPDC

I was approved. This is my first checking account this year. I opened ~5 last year.

MTPDC
MTPDC

William Charles DP – this posted as a purchase 🙂

IS250
IS250

Might give this a go again in a few weeks since the fine print says within the last 90 days. Based on everyone’s experiences from before, I’ll probably try this in branch to see if that bypasses Chex sensitivity.