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Gadget - Bank Bonus Geek

Just out of utter curiosity I did apply for myself on 7/31. Didn’t get any DocuSign, so I assumed the application was denied. Didn’t bother calling.

Turns out they never pulled my Chex, or my EQ, so like a few others noted, their system was jacked up when I tried to apply. I will wait and see if they renew the bonus, and decide if I want to try again.

It’s really nice to be able to pull my own Chex anytime… I just shouldn’t have waited until the last day for this attempt. Baked

Eric
Eric

I’m waiting for my Chex report in the mail but I’m testing a theory. I think there’s a good chance they don’t pull the Chex when you first apply. I think they pull it later on. That would explain why I and others were initially approved before being denied.

Gadget - Bank Bonus Geek

Well, different people might have had different results.

My P2 applied on 7/13. They hard pulled Chex that night, and for sure EX instantly. She got the 1st Docusign instantly (signature card), but nothing else for several days.

7/16 they contacted P2 for the CVV aka CVN on the back of the CC. She gets 2nd Docusign, membership cards with member number/Wings ID.

On 7/18, 7/27, & 7/28, Wings soft-pulled her Chex. This is likely some loss prevention weenies fooling around QA’ing the process. This is why I am always cautious about setting up ACH and DD’s too soon because sometimes they pull the plug and there is absolutely nothing you can do about it.

P2 never did get a Welcome letter or e-mail. She did get a debit card and PIN pouch. Going on 3 weeks now, so pretty sure it’s safe.

– My P1 experience is an indicator of their jacked-up system, no Chex or hard pull.
– My P2 is normal, slow-ass CU taking their time. (Someone mentioned being told a person involved was on vacation – perfect example of dealing with small banks/cu’s… nobody picks up the slack when people are out of the office)
I think your experience is indicative of a jacked-up 2nd reviewer being a hard-ass.

Davis
Davis

I applied on 7/31 too since I can’t get a DD until 9/15. Got a Chex inquiry today and they sent an email to me asking for Drivers License and proof of address. I called them earlier and they said they were pretty busy.

Gadget - Bank Bonus Geek

Did they HP your EX instantly when you applied? That was my 1st indication that something wasn’t right. I did not get a call today – I don’t expect one.

Davis
Davis

Yes got a hard pull on Experian and today got a letter saying they were unable to verify me through it.

Gadget - Bank Bonus Geek

So you are denied? How does that even happen? Yeah, we are able to pull your report, add an inquiry, but you are not you.

I did not get a HP. As soon as I saw it never went through, I put a freeze on EX that evening. They aren’t going to approve me and it seems like it never went anywhere anyway.

Roland
Roland

Gadget - Bank Bonus Geek How much CC funding did you put?

Gadget - Bank Bonus Geek

My app… 8K-ish. P2 put 1K because, at the time, DoC article said $500, so I assumed that was the max per acct.

marauder
marauder

Applied 7/29 around 11pm, got message to call Wings with no email confirmation of my application.
Called morning of 7/30, they said to apply again because the application didn’t come though and hung up on me. Applied again, funded $5k to each account ($15k total) with CFU and CA limit of $100. No email confirmation again. They hard pulled experian and transunion about 30 minutes after I applied, then emailed me an hour later and asked for another copy of my ID and utility bill.
7/31 called a (very friendly!) teller to verify identity questions, esigned docs, got account numbers, $15,005 charge pending on CFU.

James
James

Anyone know what’s triggering the DD yet?

AllenW
AllenW

Opening DP,

I wish this doesn’t expire so soon, but so far had P2 sign up to test the waters. Used Chrome and right after accepting and signing the first Docusign, the page froze and i clicked back a few times and got a message that the application went through. Use FireFox moving forward.

1 Business day later got an email in the afternoon with the final docusign and member number. Signed up online backing and edocuments the following day and checked 8K charge to credit card Alliant 2.5%.

The charges appear to be Purchases, not yet posted and still have a CA balance. My CA balance is much less than 8K too. The 2 $5 charges to open the account are posted as purchase already. Sending Trial Deposits and $300+ Deposit from Alliant tomorrow. Including the bonus and CC rewards this will end up being a nice $490.25 bonus in exchange for a Hard Pull, having to pay taxes is a drag but worth it in my opinion. If I had another 2% card or I know that Captial One or Chase codes as Purchase I would do it for P1.

If there was more time left I would pull P2’s Chex and help Gadget - Bank Bonus Geek to figure out if he would be approved. Hense Why I did my P2 first… But I’m on vacation with limited time and this expires so soon.

Gadget - Bank Bonus Geek

It cannot be charged as a Cash Advance if your CA limit is lower than the funding amount, so you are golden.

I really want to try for this, but feel like I will be denied. I should have tried a few weeks ago, before I did like 3 or 4 others this month. Hindsight…

Enjoy your vacation…

tribesman55
tribesman55

Not sure from when the 45 day timer starts for the DD, is it the day I applied or the day they contacted me to push through my CC funding and sent me the welcome email?

Gadget - Bank Bonus Geek

The day they officially opened the account… if not sure, call and ask, or just wait for the first monthly statement. You can’t be held responsible for the days before you had an account number.

Gadget - Bank Bonus Geek

And BTW, it was changed to 60 days when this promo was refreshed, not 45. Probably best to aim for 45, just in case they are morons and forgot to change the internal system to match the latest terms. Banks and CU’s never make mistakes. /s

Gadget - Bank Bonus Geek

William Charles I can confirm 100% Wings Financial Credit Union pulls Chex. Got my report tonight, dated 7/24.

P2 Approved at: 4/3, 8/6, 12/12, 27/24. inquires/months
I am too scared to try… hmph. ieatdogfood Applying peer pressure.

If I applied, I would be at 6/3, 12/6, 26/12, 46/24.

ieatdogfood
ieatdogfood

Is this your first time using the new online Chex report feature?

Gadget - Bank Bonus Geek

To pull a PDF version of the report instantly… yeah. All I recall ever seeing is request a report and no option for to view it online. It had to have changed in the last couple of months, because remember before I did “Sandy” I was debating on my hit count.

Gadget - Bank Bonus Geek

If when people get denied, if they would take 5 minutes to pull their report, we could get to the bottom of where the cutoff is on getting approved or denied. Or, at least pretty close.

ieatdogfood
ieatdogfood

I haven’t been denied yet har har har. But yeah that would be helpful and a lot easier now with the instant online feature.

Wayne
Wayne

Gadget - Bank Bonus Geek Can you explain 6/3, 12/6, 26/12, and 46/24? All I can think of is these are reports/months? Is this correct?

Gadget - Bank Bonus Geek

Correct. I put it on the post, # of inquires/# of months.

Looks like you need to keep it to about 1 Chex pull per month to get in, but would need more people to produce their numbers. If it wasn’t for the HP, I would try.

Nady
Nady

I think you are right. I was 13/12, 16/24 and 20/36 when I applied and I was approved

tribesman55
tribesman55

I’ve gotten the funding confirmation and the welcome email and everything else but no member number yet, how do I get that?

Gadget - Bank Bonus Geek

On the 2nd DocuSign, where you sign in with your last name, first 4 characters, and last 4 digits of phone number. It’s your member number on the membership card.

tribesman55
tribesman55

I never received a 2nd docusign :/

Gadget - Bank Bonus Geek

Then maybe they aren’t done torturing you.

Gadget - Bank Bonus Geek

Per @Matt way down below you can call and get the Wings ID.

Jim
Jim

What a mess. I applied online four days ago, no verification questions, Docusign, etc.

I get an email today to call a specific rep to complete verification questions by phone. I call in, she discovers the computer system can’t generate questions. Something about having exceeded the number of times questions can be generated.

She told me I’d have to reapply by mail with a paper application. She said that’s reviewed manually by a different department. Basically no CC funding, another Experian hard pull and Chex inquiry for a new application.

I ask if their IT folks can “reset” the questions system count and generate some more, but she said that wasn’t possible. I asked about applying again, to effectively resume/merge with the previous app, but she said the system would recognize the new app and block me from proceeding further.

Pretty inept application system. Think I’m giving up on this one. Waste of a Experian/Chex pull already.

ieatdogfood
ieatdogfood

Maybe you didn’t even get a Chex inquiry since no actually questions were generated?

Shirley
Shirley

Denied due to “Failure to satisfy identity requirements” from Experian- WTH?

Looney Tunes
Looney Tunes

I got the same denial and don’t understand why, never had a problem with my identity (checked with Experian and nothing there to indicate a problem).

Also, they had charged my CC for the $10 and instead of reversing the charges back to the card, they are sending me a check??? Guess I’m lucky they didn’t charge the $10,000 that I originally tried to fund with.

All and all, a pretty lame excuse for a credit union.

ieatdogfood
ieatdogfood

Hey I’ll take a $10,000 check! That’s free MS and $200 of you used a 2% CB CC.

Looney Tunes
Looney Tunes

Yeah ieatdogfood unless the check gets lost in the mail!

Eric
Eric

Now I’m even more pissed that I chose Fidelity to fund my account instead of some credit card that was known to work. They tried to fund my account from my credit card BEFORE rejecting me.

I only later found out it was declined due to it being a cash advance. I attempted to fund almost $15K in total.

Matthew
Matthew

It means you have too many inquiries.

Nady
Nady

I don’t think so. I was approved with Chex of 13/12 and 16/24 while P2 was denied for the same reason “Failure to satisfy identity requirements” and she has 0/12. Chex. I suspect it has to do with address verifications etc

Shirley
Shirley

Nady don’t think it could be address verification since I’ve been at the same address for 27 years. Only thing I can think of is I have my full middle name on my DL that I uploaded while Experian only has my middle initial and no initial along with first and last name.

If that’s it, Wings is pretty picky for something like that since no other bank has ever turned me down for an account when I’ve had to upload my DL.

Nady
Nady

My ID is similar- has my full middle name while Experian has my initial. Who knows? For me (P2), maybe they have some sort of household restriction?

Shirley
Shirley

Hmmm, Then I’m at a loss as to why I wasn’t approved.

Shirley
Shirley

Doubt that Matthew have only two inquiries on Experian.

Matthew
Matthew

They look at Chex inquiries as well as Experian.

IS250

Denied due to Chex. My previous post has all my details on but I’m at 75+/24. Oh well.