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Bhavin Patel
Bhavin Patel

Isn’t this like the Alliant Credit Union bonus?
Must wait for at least 12 Months,

Davis

Here’s a middle ground bonus between the two mph bonuses https://smile.mph.bank/200-new-year-special direct Deposit required for a part of the bonus William Charles Chuck

Lefty
Lefty

How the fuck am I supposed to satisfy the $1000 minimum balance requirement for the first full month after account opening when the maximum funding amount allowed for the free account is $500? I’m opening for both P1 and P2 and will start satisfying the DD requirement in January 2023. The bonus offer ends 12/31/22 and the account opening is not instantaneous which means it will probably be 3 days minimum before it’s opened. This should be fun trying to get clarification from a CSR once the account is opened because I doubt I can even get another $500 in the account prior to 1/1/2023 at this point unless mobile deposit is an option once the account is opened. Most accounts have to do trial deposits before being able to ACH funds.

Fred
Fred

Try Paypal. If I recall, when I link a bank to Paypal with trial deposits, I can push (but not pull) money to it even though the trial deposits haven’t arrived.

Lefty
Lefty

Received clarification from CSR that called to request identification documents (DL & utility bill for proof of address) that the $1000 minimum balance requirement does not account for the first month since they give 30-60 days to start tracking. I’m wondering though it that means this is really a 13-14 month requirement prior to getting that $100 portion of the bonus.

ieatdogfood
ieatdogfood

Careful. This stupid smiley face Bank did two inquiries on my Chex (separate days). I was not instant approved at the time, went to review and eventually approved.

Cross posted.

Gadget - Bank Bonus Geek

Cross replying. We were a victim of circumstance. I was able to dispute the additional inquiry and get it removed.

https://www.doctorofcredit.com/mph-bank-100-checking-bonus/#comment-1493183

Closed my account today via SM. See you again in 2024 MPH/Liberty.

ieatdogfood
ieatdogfood

Cross replying to your cross reply. I was denied a second time. Going for a third because I’m a sadist. I’m copy/pasting what you wrote otherwise mine will contain a lot of F word.

Minnu
Minnu

Gadget - Bank Bonus Geek …..did u get bonus and closed?…wasnt this supposed to be kept open for 365 days?

Gadget - Bank Bonus Geek

I did the $100 bonus. I am not eligible for this one.

fdic
fdic

Does someone know if they are sensitive to Chex Systems number of recent inquiries?

knuds1b
knuds1b

In my recent experience, they’re not Chex sensitive

fdic
fdic

thanks

Diego

This bonus is the Frankenchild of the Alliant “Suze Orman” bonus and the Laurel Road ongoing monthly bonus (both of which I’m doing) with the worst parts of each.

If I can find a free replacement for Astra before the New Year, I might still try it. Otherwise, Wise is going to cost $20.28 for 12 x $1000 two-step transfers.

Erik
Erik

Diego ,
If you open a Wise USD account, then you can ACH in money from your external bank for free. Wise Transfers are then only $0.39/each (for any amount)

patrick
patrick

The minimum balance bonus works out to 10% interest for a year. That would be good if ongoing but may not be worth it as a one-time bonus.

The direct deposit bonus could be troublesome even if your payroll deposits can be easily changed. Tying up $1000 per month for a whole year could limit the number of more valuable signup bonuses you could get, especially if part of your deposits are already devoted to ongoing qualifications for other accounts.

The debit bonus looks pointless at first glance since it works out as 2.28% which is less than the rewards available elsewhere. However, it could be useful if paying off credit cards through Paypal bill pay (or over the phone with Citi) counts. Has anyone seen anything in the terms that would exclude this?

Sunshine
Sunshine

Denied.

Burgers?
Burgers?

Took me one second to say no to one year of bank games.

Dan
Dan

Even if they pay out, the DD would preclude multiple other signup bonuses, assuming you use a real DD for the year. Pass.

anthonyjh21
anthonyjh21

Unless you’re making minimum wage it shouldn’t preclude from other SUB. PNC maybe, but not many.