[MN, WI] Wings Financial Credit Union $300 Checking Bonus
Offer at a glance
- Maximum bonus amount: $300
- Availability: Must live or work in an eligible eligible Minnesota or Wisconsin county
- Direct deposit required: Yes, $300+
- Additional requirements: eStatements & use promo code
- Hard/soft pull: Hard pull
- ChexSystems: Unknown
- Credit card funding: Can fund up to $500 with a credit card
- Monthly fees: None
- Early account termination fee: None listed
- Household limit: None
- Expiration date: December 31st, 2019
Contents
The Offer
- Wings Financial is offering a $300 bonus when you open a new checking account and complete the following requirements:
- Use promo code 300CHECKING
- Must have a direct deposit of at least $300 within 45 days of account opening
- Enroll in eStatements
The Fine Print
- To qualify for the bonus, checking account must be opened in-branch or online using promo code between 10/21-12/31/19.
- Membership must be established by opening a Share Savings account with a $5 minimum opening deposit.
- Must have direct deposit of at least $300 and enroll in eDocuments within 45 days of account opening.
- If requirements are met, bonus will be paid no later than 2/17/20 in the form of a deposit to the Wings checking account; account must be in good standing to receive deposit.
- Valid for new members only.
- Not available for business checking.
- One offer per person.
- All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
First class checking account has no monthly fees to worry about.
Early Account Termination Fee
I wasn’t able to find an early account termination in the fee schedule
Our Verdict
Probably not worth doing for most people due to the hard pull. Because of that I won’t be adding this to our list of the best checking bonus.
Hat tip to reader John
Useful posts regarding bank bonuses:
- A Beginners Guide To Bank Account Bonuses
- Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
- PSA: Don’t Call The Bank
- Introduction To ChexSystems
- Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
- What Banks & Credit Unions Do/Don’t Pull ChexSystems?
- How To Use Our Direct Deposit Page For Bank Bonuses Page
- Common Bank Bonus Misconceptions + Why You Should Give Them A Go
- How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
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- Banks That Allow/Don’t Allow Out Of State Checking Applications
- Bank Bonus Posting Times
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Basically, around Minneapolis.
Anyone anywhere can join with a $5 donation to their Wings Financial Foundation, so it’s not location restricted, but it’s definitely a hard pull. DPs as recent as 9/25/19 on the myFICO forums.
$300 bonus for a hard pull and $5 is pretty reasonable
Just concerned about Chex inquiries disqualifying me after wasting the hard pull…
i doubt they look at chex if they are pulling your credit.
They are not Chex sensitive by any means. 15+ accounts in the last 12 months and approved.
These guys are chexs sensitive beware before applying if you churn checking bonuses
I bank with them. They can be challenging to work with.
Any idea how many Chex inquiries or new bank accounts you had when opening your membership ?
Along with Jim’s question, any idea what they count as a direct deposit?
Can you explain more about the difficulty you’ve had with them?
Anyone know what credit bureau they pull? If it is Trans Union, I’d be in!
They pull Equifax.
Oops I meant Experian. Got the two mixed up. Applied and got approved today.
Thanks. My Experian file is kinda of maxed out on hard pulls. I might skip this one. Bummer.
Beware even if you have zero debt and a high credit score they will deny you, im LOL/24 and was denied for whatever reason.
What credit bureau did they pull from? Are you in one of their states or out?
Equifax
I meant Experian. My bad.
MN, i live right next to one of there branches. They pulled Experian.
Unfortunate to hear, this was an online application? Are you in state? Did they contact you about identity verification or anything else?
I applied online and im located in MN, i live right next to one of there branches. They pulled Experian.
They said they denied me based on my credit? But my credit score is in the high 780s with no debt.
Ive only opened one normal credit card this year the rest have been business cards.
Also they contacted me by email.
Maybe the person who did my application is just an asshole hater haha idk.
I felt like i should have got approved for this one.
I’d call and ask for reconsideration. Can’t hurt to try. You’ve already got the hard pull.
Lol i called them today for reconsideration and they said to contact experian for to many inquiries?! Also told me to try opening in branch after calling them.
Maybe ill go to one of there branches tomorrow and try to get it opened.
Worth the trip for an easy 300$ score.
i went in branch and they denied me because of my chex has 31 inquiries.
These guys are chexs sensitive beware before applying if you churn checking bonuses