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Stephen
Stephen (@guest_421138)
June 15, 2017 11:13

Has anyone had luck gaining the bonus outside of the targeted states? I want to get a piece of this action.

HardTacoKit
HardTacoKit (@guest_421463)
June 15, 2017 21:00

I’ve received the bonus’ with no problem in Vermont.

kevin
kevin (@guest_418086)
June 9, 2017 17:07

Hey Doc do you happen to know if ACH withdrawals done, say from the Wells Fargo app would qualify for the 1 monthly transaction fee waiver? I didn’t set up the debit card for all of my m&t accounts though they are nice 🙂 buffalo bills, ravens

Mike
Mike (@guest_415475)
June 6, 2017 05:24

What is the actual risk of opening “too many” accounts? If they are approving them and giving you a bonus, that’s on M&T. They clearly have poor controls as people are successful in using the same promo code more than once and getting the bonus. Would love to hear why people will open 5-10 accounts and then decide to lay low.

Ken
Ken (@guest_415671)
June 6, 2017 10:13

Probably because you run out of current coupon codes 😉 I’m at 8 accounts and I only have 1 more unused coupon code that expires June 30th. I’m hoping they release some more codes.

Justin
Justin (@guest_416040)
June 6, 2017 20:01

you can reuse codes

MarcoPolo
MarcoPolo (@guest_416048)
June 6, 2017 20:18

and give them a reason to prosecute you?

Mike
Mike (@guest_416059)
June 6, 2017 20:36

If they let you reuse them that’s their problem.

MarcoPolo
MarcoPolo (@guest_416084)
June 6, 2017 21:03

@Mike
The whole idea (for me at least) is to stay under the radar so that I can (hopefully) be able to close some accounts before opening new one’s with NEW codes. This way I can (in an ideal situation) take advantage of of future promotions for long term benefits.
By opening too many accounts and especially reusing codes there are more chances of getting caught at an audit, If they telly the number of people who opened accounts using a specific code and they find that the numbers don’t match ( for example, if 100 people used the code but the number of accounts opened with that code was 120) which will lead to review of each and every account. On the accounts review they will also find out that each of these people opened 8 accounts then the matter will be referred to fraud department followed legal department who will decide what action to take. If the number of people involved in this “fraud” are large enough and the financial loss is big enough they will take action to recuperate the loss of money from us.
So, as I always say, please don’t kill the Golden Goose with your greed which will certainly be killed by reusing the codes and EVERYONE will end up paying back ALL the bonuses at the least.
Just my 2 cents

MM
MM (@guest_416453)
June 7, 2017 09:33

While I definitely re: re-using codes, I’m still not clear on how you’ve determined when “enough is enough” re: # of accounts? I assume you have more than 1, so clearly you determined the risk of opening multiple accounts was worth it. You’ve alluded to wanting to stay under the radar, though. What, exactly, would that look like? 2 accounts is okay, but not 3. 3 is okay but not 4.

I apologize for hounding you on this a bit, but I just feel like if you’re going to raise the specter of clawbacks/killing golden geese, you ought to be offer more clarity about how far is too far (based on your calculations).

HardTacoKit
HardTacoKit (@guest_416469)
June 7, 2017 10:05
  MM

For me “enough is enough” at using each eligible code once, which has yielded me $900 in bonus’.

I also live in Vermont, which is not a state that is listed as eligible, so there is that too.

MM
MM (@guest_416514)
June 7, 2017 11:35

Pretty much the same here — use available codes once and call it a day. I haven’t gone for the $250 codes, because I didn’t want to hassle with trying to convert the higher mothly fee account to the basic account, partly out of risk aversion and partly out of pure laziness:)

Anyway, it seems like applying for each code once is probably the norm/average around here. Probably some folks trying to use codes more than once, which feels incredibly sketchy to me (and a clear violation of the terms, as I read them), while probably some others not even doing all the codes or spacing them months apart. Definitely interesting to hear each person’s experience/data point – thanks for sharing yours.

Eric
Eric (@guest_416654)
June 7, 2017 14:55

Just so you know in case the $250 codes come back, it was no hassle at all to downgrade the account via SM.

MM
MM (@guest_417117)
June 8, 2017 11:26

Thanks for the info, Eric. I’ll definitely keep it mind if/when some new $250s roll out:)

TG
TG (@guest_412953)
May 31, 2017 22:49

It seems like new M&T accounts appear on your online account every Wed and Sun. I think if you don’t get an account number at sign up you’ll have to wait at least a business day before it shows up. If you get an account number at sign up it’ll show up same day if it’s a Wed or Sun.

MarcoPolo
MarcoPolo (@guest_410857)
May 26, 2017 11:06

This code (QE) has expired but you can still use the code (QC) till June 30th

https://www.doctorofcredit.com/mt-bank-150-checking-bonus-available-online-qc-az-ct-dc-de-md-nj-ny-pa-va-wv/

JuicyJosh
JuicyJosh (@guest_408767)
May 21, 2017 00:01

Trying to apply for wifes 3rd account. I cant get the apply online window to open, Anyone else confirm? EZ Choice links all dump back to account main page. Apply online and open online links all defer to same place. Tried on Chrome, IE and in incognito mode. Is the fun over?

JuicyJosh
JuicyJosh (@guest_408867)
May 21, 2017 11:34

Looks like its back up. Maybe they were down for system maintenance? haha We know that isnt true.

NBG
NBG (@guest_408872)
May 21, 2017 11:43

There was a service announcement for system and website maintenance for this weekend.

Matt
Matt (@guest_408659)
May 20, 2017 15:28

Ive lost track of what M&T codes i’ve used over the past few months. Anyone know what happens when you use a code you’ve already used in the past?

All I know is i’ve collected $250, $200, and $150 so far since Feb.

Ken
Ken (@guest_408665)
May 20, 2017 15:53

This is why keeping meticulous records is crucial when playing this game. The terms forbid it, and it’s not something I’d be willing to do. Your only option is to match up the dates you applied for the specific bonuses and look for ones that have already expired and weren’t available when you originally applied for the accounts.

EO
EO (@guest_408668)
May 20, 2017 15:58

I know I’ll get a lot of gruff (see Ken) but I’ve successfully reused the same code 2x for both me and wife. All times I have received the bonus again. Note that when asked if I already have account during application, I always answer honestly. Not only have I not had a problem, but M&t always calls me after opening new account thanking me and asking if there is anything else they can do for me.

Matt
Matt (@guest_408670)
May 20, 2017 16:03
  EO

Thanks! Definitely the answer i was hoping for.

MarcoPolo
MarcoPolo (@guest_409001)
May 21, 2017 22:24
  EO

Please don’t kill the Golden Goose by using a code twice.

You might be successful for opening the account and even getting the bonus but it might come to bite you (and everyone else) in the behind later once they start reviewing the applications due to audit due to mismatch.

James
James (@guest_408680)
May 20, 2017 16:31

Your browser might’ve saved them. Go to the application and type Q in the promo code box. Mine shows a list of the ones I used

Jeff G
Jeff G (@guest_408526)
May 20, 2017 01:53

Damn, just tried for the first time to apply and got the dreaded, “unable to open online” message. If I am reading right, lay low for two weeks and try again?

Not sure why this happened. Not too many accounts this year and none with M&T.

MoreSun
MoreSun (@guest_408983)
May 21, 2017 21:24

2 weeks later I got one more account opened (#4) but I haven’t been able to get anymore even after waiting 2 weeks again, just got that message. Someone suggested waiting a month, so that’s my next step.

MarcoPolo
MarcoPolo (@guest_409000)
May 21, 2017 22:20

@Jeff G
Since this was your first time “lay low for two weeks and try again” strategy won’t work.
You will have to go to the branch to open a account.
No way around it.

MM
MM (@guest_407477)
May 17, 2017 13:20

Score! Just did QE, and it was the first time the new account showed in the old log-in instantly. Transfer already initiated, bonus (hopefully!) soon coming.

Gotta say, these bonuses have been a lifesaver for us in the midst of a series of unexpected, not to mention hefty, life expenses. Thx, MnT!

Nick
Nick (@guest_407454)
May 17, 2017 12:21

When you guys enter the codes do they show on the next step? When I do it they are not in the summary so I have no idea if they applied. I already got burned once I believe from this.

Ken
Ken (@guest_407456)
May 17, 2017 12:25

They don’t show. As long as you entered them where required you’re good to go.

Kyle
Kyle (@guest_407457)
May 17, 2017 12:26

It is never referenced again, until the bonus posts. Thats why I double check the code to be absolutely certain.

Nick
Nick (@guest_407459)
May 17, 2017 12:36

Thanks, Yea I don’t know what happened to the first it was on mobile, but the following two I double checked. Thanks for the responses