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Mitch
Mitch

Got my $300 posted today 1/25, four days after hitting the requirements. Nice and quick! Only took a few weeks from account open.

tribesman55
tribesman55

Are these guys not listing the $300 on 1099s? My statements all say $0 dividends and bonuses earned for 2020.

TheGreatHambino
TheGreatHambino

P1/P2 bonuses posted Jan 5th, both accounts opened in Oct.
Did transfers from T-Mobile Money, Schwab, Capital One, and USAA.

LottN
LottN

P1 and P2 opened in October, bonuses for both posted 1/5/21.

Mitch
Mitch

Opened an account 12/23/20 with 300CHECKING promo code and funded checking savings with alaska credit card $500 each. Didn’t get initial funding or final documents signed until today (1/4/21) due to needing a payment stub and correlating bank statement which came in today.. picked a bad month to start a new job paying to a new account I was working on! lol.

Hoping I still qualify after reading some comments below. Got all my web screenshots/emails/pdfs anyway. Anybody else in the same boat?

Jonny
Jonny

P1 accepted at 6/12, P2 rejected at 12/12, P3 rejected at 14/12. from CA. P2 works in the aviation industry, so that didn’t seem to help.

MAS
MAS

Membership of Wings FCU is limited to US citizens and permanent residents only, even for in-branch applications.

TheBob
TheBob

Is this deal only available to MN and WI? I couldn’t find that anywhere in the fine print for the bonus. Their general eligibility is here: https://www.wingsfinancial.com/join-wings. It includes 5 areas around the US, plus aviation industry workers.

BlissfulApathy
BlissfulApathy

William Charles Gadget - Bank Bonus Geek Do checking account hard pulls look the same to creditors as other hard pull types (auto/credit/loans/etc)?

On the fence about this bonus since I’m planning on applying for CFF in 5-6 months. Don’t want this hard pull affecting my chances if I can help it, especially if I get declined for Chex.

Gadget - Bank Bonus Geek

I don’t have any hard facts on that. It won’t impact anti-churning rules like 5/25, 6/24 etc. But, it does impact your score, esp if recent. At 5-6 months, it should have little effect. (Wouldn’t it be better to apply for the CSR or CSP, collect SUB, and then PC to CFF?)

The thing that sucks is Wings is Chex sensitive, and they pull your credit right away before they score the Chex. Not sure if they relaxed to allow AllenW in, but by my unofficial count and polling people this earlier year, they only approve people who average about 1 Chex inquiry per month. People that averaged two or more got turned down. My P2 got in at around 1 per month over the last 12 months. That’s Chex only, and not counting all the EWS only banks.

BlissfulApathy
BlissfulApathy

Thanks for the insight. Sounds like Chex will be my downfall, but I’ll keep this one on the back-burner.

As for cc choice, I can’t meet MSRs of CSR/CSP with organic spend. I know, I know, there’s MS, but I don’t have any experience beyond the basics (e.g. bank cc funding). I’ll need to look into it more. Also, the benefits of the premium cards are lost on me (I rarely travel/eat out – especially these days). Pretty sure I’m the wrong demographic for CSR/CSP/travel cards in general!

Gadget - Bank Bonus Geek

Two savings accounts at Redstone = Min Spend done, for example. Chase UR you can cash out to a statement credit, even if not optimal, as travel credit is a higher $ rate. I can understand passing on the CSR because it requires more tricks and/or usage to reap the full bennies, but the CSP vs CFF is easy money. I understand the trepidations about travel cards, I am the same way…. but you have to look past that and find what you can use. I don’t believe downgrading affects your churn clock, so you PC to CFF after collecting the SUB if that suits you better. It’s been a while since I reviewed Chase benefits, so I might be rusty. I am not the best at CC redemptions and haven’t been under 5/24 in a long time, but my P2 is going to be there soon.

Gadget - Bank Bonus Geek

And, in case your wondering… I was about to apply, but I pulled my Chex and had 4 hits last month (3 of which were approvals and the one fail was due to the lack of a promo at that branch). I just don’t think there a chance in hell I will get approved. When I tried Wings in the past, the application never went through.

My P2 has an active account there at Wings though and enrolled in ReferLive…. Instead, I might retry the SoFi loan at the end of the month.

Rtom
Rtom

Hey Gadget, on your own site I think you say that it’s possible to join Wings CU from anywhere in the US (“Nationwide if you join the Wings Foundation for $5”) — any idea if this is still true? I don’t see such info on their website.

Gadget - Bank Bonus Geek

Yes. Worked last month for a friend of mine in CA.

https://newmember.wingsfinancial.com/ Option 4.

If you are doing the referral offer as well, recommend you fill that out prior to the application. And, I’d also wait for the $300 checking offer to come back.

Rtom
Rtom

Yep, hopefully it will come back at a time when I don’t have too many Chex pulls! I did a ton mid-2020 so I’m probably going to take it easy for a few months…. Unless some higher-yield irresistable ones come out soon.

AllenW
AllenW

10/17 – Applied and approved (Hard Pull) 2K opening Deposit as Purchase Alliant (4 accounts, 2 checking, 2 savings)
10/21 – $301 Deposit Alliant
11/2 & 10/26 $5x debits thru amazon (I had to SM them to send me a Debit card)
11/20 – $300+ Deposit Payroll
12/4 – $300+ Deposit Payroll
12/7 – $50 referral Debit cards came in Mail from P2 referral to P1.

No Bonus yet – Maybe in a couple weeks it will show up, hasn’t been 60 days.

They also deposited an additional $500 by mistake and took it back w/o any contact LOL. This sometimes happen, had a bank short me my opening deposit before also.

JB
JB

Who knows with this place. I applied on 10/17 and account wasn’t opened until 10/29. Met the deposits and debit card transactions in the month of November. Asked about it and I got this answer: “Unfortunately, you became a member before the promotional period began. As such, you do not qualify for the reward.”

New site landing states: Promo Disclosure
Account must be opened in-branch or online using promo code between 10/19/20-12/31/20

Watch out for this one all. Not sure if anyone has the original screenshot before they changed the due date?

AllenW
AllenW

their terms do state 10-19. Oh wow. That was an epic fail, I didn’t even notice that. It was reposted without the warning, my fault for not paying attention. I don’t think a screenshot exists.

Why would they post the offer with an open date later, that’s stupid.

Well technically I made 150 in referral and cc spend but still crappy.