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29 Comments
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BetaTester
BetaTester (@guest_2114756)
August 8, 2025 12:36

P2 Update (P1 bonus rejected bc the deposit was done on savings), P2 rejected with deposit directly on checking. The bank refuses to explicitly explain what is wrong.

Alex
Alex (@guest_2113175)
August 5, 2025 23:56

DP:

Account opened 2/27/2025
Deposit from Wells Fargo 3/18/2025
16 debit card transactions (16 $1 reloads to Apple Account) 4/1/2025
Deposit from Discover 4/4/2025
$450 paid 8/4/2025

Nidhi
Nidhi (@guest_2132514)
August 31, 2025 01:16

Can you please refer me? nidhi14jan at yahoo dot com Thanks a lot

Megan
Megan (@guest_2074659)
June 9, 2025 12:10

FYI bonus takes 6 months from account opening to post. I called and asked as my other accounts from January and February all posted already.

Note for folks who don’t know- they will not mail you a debit card. You must go to a branch and have it printed in person.

Me
Me (@guest_2085951)
June 25, 2025 01:03

They mailed me a debit card. Requested it on their web site the same day I opened it. I received it in a week.

BetaTester
BetaTester (@guest_2055094)
May 5, 2025 12:34

Updated till June 30th

BetaTester
BetaTester (@guest_2111970)
August 4, 2025 11:41

Account opened May 6. Same day direct deposit into savings. Contacted them after 15 transactions were done. They insist they direct deposit must be directly into the checking account to qualify. Then said my deposits don’t meet the requirements.

NBG
NBG (@guest_2020277)
March 10, 2025 16:51

I was in Detroit this past weekend and stopped by this bank. Last time, i applied over phone and approved and they called and closed next day due to chex. So, i went to branch this time- they said yes and started. Manager, stopped by and said i need to have relative be an existing member for OOS. My relative doesn’t have an a/c yet. So, came out empty :(. Next time, will ensure my relative has an a/c and take him along.

Atleast, i saved a chex pull and denial in person. That would have been epic failure.

Emily
Emily (@guest_2014063)
February 28, 2025 17:49

Approved immediately from Detroit MI. Note that this CU requires you to open a savings account as well, so you must deposit $10 at opening ($5 per account). There is also a field to enter a PROMO code but I left it blank as there was no PROMO code listed on this site or their “CloseEnuff” page. I will call them on Monday to confirm the $450 promo was applied to my account.

brokecollegestudent
brokecollegestudent (@guest_2014887)
March 2, 2025 10:52

FWIW, I asked a chat agent if I needed to use a promo code and they said no

Alex
Alex (@guest_2013493)
February 27, 2025 20:00

Approved instantly. Chex is at 1/6, 2/12, 3/24
Had all 3 bureaus frozen, no problems with credit pull

brokecollegestudent
brokecollegestudent (@guest_2011212)
February 24, 2025 16:56

Approved immediately

Chex is at 6/24, 1/12 I think

economy101
economy101 (@guest_2013573)
February 27, 2025 23:57

Can you give me a referral? I’m OOS but I can join through a member. Also, referral earns you $70.

brokecollegestudent
brokecollegestudent (@guest_2014886)
March 2, 2025 10:52

Sure! Not sure how to contact or what the rules of the forum are

Mark-D
Mark-D (@guest_2019054)
March 7, 2025 19:42

Can you please send a referral to [email protected]?

S
S (@guest_2112380)
August 4, 2025 22:31

Could you refer me (if you’re still a member)? Reach out to me at teflsusan at gmail for my details, I use a different address for signups in case the bank/cu is lurking.

brokecollegestudent
brokecollegestudent (@guest_2011154)
February 24, 2025 15:44

Hey all,

Messaged a chat representative for the bank

Question:
Is it a hard pull on my credit?
Answer:
It’s a soft credit pull.

Question:
What would qualify as a direct deposit?
Answer:
Direct deposit requires funds to be posted directly into your account via your account and routing number.

My chex numbers are pretty good, so I will apply and see how it goes

Andrew
Andrew (@guest_2011272)
February 24, 2025 18:17

That language looks funny “set up and have at least one successful direct deposit into the account within 90 days”. It sounds like you must set something up through them rather than push from another bank. Any dps?

avsterbone
avsterbone (@guest_2010216)
February 22, 2025 18:43

Got denied for this last year due to Chex. I haven’t decreased my Chex activity so no point in trying again.

S
S (@guest_2010697)
February 23, 2025 18:32

Did they cite a particular count/timeframe to be below to succeed? What were your Chex numbers at the time?