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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]?

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?

Scott
Scott (@guest_2010168)
February 22, 2025 16:54

They also have a high yield savings account (10% on up to $1,000)

RJ
RJ (@guest_2010017)
February 22, 2025 11:34

Tried in branch and was denied for Chex. No idea what my count is. However, the banker did read off my last few hits to me to confirm it was me lol

Che
Che (@guest_2010007)
February 22, 2025 11:12

It will let you enter an OOS address and advance through the app, but after a bit it will ask how you qualify to join and that’s where you’ll need to be a MI resident.

SG
SG (@guest_2010014)
February 22, 2025 11:27

I am OOS and just submitted the app with Chex and all 3 credit reports locked, I chose the last option for qualification – I go to MI for business or something like that. App went pending, I don’t count it to be successful.

Bank Bonus Bodhisattva
Bank Bonus Bodhisattva (@guest_2010093)
February 22, 2025 13:51
  SG

Let me know if you have success with this

Che
Che (@guest_2010166)
February 22, 2025 16:51
  SG

I considered choosing the option about doing business in MI, but I’ve never even stepped foot in that state. haha

atl_dealhunter
atl_dealhunter (@guest_2010202)
February 22, 2025 18:10

How sure that this will work? Have you tried this before with other Banks?

Jon
Jon (@guest_2014693)
March 1, 2025 21:33
  SG

SG any update?

SG
SG (@guest_2014958)
March 2, 2025 12:02

Update: OOS is difficult. I received “We were unable to verify your identity based on the information you entered in the online account process. We will need you to provide the business’ name and address located here in Michigan, so that we may confirm proof of eligibility.”

I skipped this one.