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John R
John R (@guest_1802624)
February 24, 2024 16:19

Offer ended on 2/23.

howard
howard (@guest_1802592)
February 24, 2024 15:25

both P2 and I weren’t able to verify identity when applying online so had to go to a branch; however, the bizarre thing was that the branch manager couldn’t help/wasn’t willing to help, as she kept saying I needed to have some individualized email with coupon to open in the branch. I kept telling her that it’s a public offer and the coupon code was just two letters, but she insisted that she couldn’t just type in the coupon manually. Anyone had similar experience? I guess I can try a different branch if this offer is extended.

Myke
Myke (@guest_1801975)
February 23, 2024 09:50

2/7 – opened account
2/21 – $1001 capital one push (coded as “Capital One Transfer”)
2/22 – $400 cash bonus

I was unable to link M&T to any of my other accounts, I kept receiving error messages. I spoke to a rep and they advised I needed to link the external account on M&T’s side first and then it would allow me to link M&T on the external side. It fixed the issue.

Emil G
Emil G (@guest_1801913)
February 23, 2024 06:01

PROMO CODE? It is asking for a promo code to enter at account opening? I read the instructions, but did not see a promo code? Did I miss it or there isn’t one required? thanks…. saw it, it is so small…it is TK!!!

Nick
Nick (@guest_1801053)
February 21, 2024 13:59

01/26: Opened MyChoice Premium Checking
02/09: Real DD $500
02/16: Real DD $500
02/20: $400 Cash Bonus

Had to go in-branch to verify my ID. Took about an hour but it is now resolved. Need to call in order to have transfers enabled online as well.

EdwardD
EdwardD (@guest_1800729)
February 20, 2024 17:48

For people who opened at a branch, are we supposed to wait for DocuSign email (just like people who opened online) before linking M&T to external bank?

P2 finally opened at the branch after online application (3 attempts) could not verify identity. The rep at the branch asked to see the driver license and SSN card. Now I recalled she did not make photocopies. There is also no signature to sign. I am now wondering in this case if this will cause verification issue for P2.

Nap
Nap (@guest_1800829)
February 20, 2024 21:17

Should be fine. Never got any DocuSign when opening in branch. For the checking account, I didn’t sign anything. I even asked the banker about this and was told not required for checking account (kind of weird).

EdwardD
EdwardD (@guest_1800874)
February 21, 2024 00:37

Did your branch rep make copies of your driver license and SSN card?

If copies are not taken at branch, I wonder if they will come back with the DocuSign email asking to send pictures of those documents. P1 Opened online and received DocuSign email requesting pictures of documents. It would not accept scanned copies of driver license from the computer. Had to take pictures from the cell phone. Even that, took multiple tries before they were accepted.

JD
JD (@guest_1800855)
February 20, 2024 23:13

Oops, my reply went to spam, hopefully  William Charles or  Chuck can fish it out..

Eric 🔗
Eric 🔗 (@guest_1800922)
February 21, 2024 08:24
  JD

Did it have a yellow exclamation point on top of the comment? If so, it went to moderation rather than Spam. The one time my comments went to Spam, it was very clear as the word “Spam” appeared.

JD
JD (@guest_1801890)
February 23, 2024 02:13

Yeah, it initially posted fine but went to spam after too many edits, and the comment text simply said “Spam”.

EdwardD
EdwardD (@guest_1800240)
February 19, 2024 18:35

If we apply in-branch for this $400 promotion, do we need to show any mailer?

P2 applied twice online on different days and both times they said to visit a branch because they could not verify the identity.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1800336)
February 19, 2024 22:23

I do not think so, it is a public offer which does not mention mailer or have languages suggesting it is targeted.

EdwardD
EdwardD (@guest_1800650)
February 20, 2024 15:19

P2 went to the branch today and was able to open with the promotion code. Rep was very friendly and account was opened fairly quickly. Did not ask for the mailer.

Nap
Nap (@guest_1800480)
February 20, 2024 09:51

Opened in branch showing screenshot of public offer when asking banker to apply code.

FinzSamurai
FinzSamurai (@guest_1800689)
February 20, 2024 16:56

Unfortunately, got shot down when tried to open the account at the local branch location. The banker/VP told me that it needs to be targeted. Oh well!

EdwardD
EdwardD (@guest_1800723)
February 20, 2024 17:34

May be try a different branch.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1800819)
February 20, 2024 21:01

Agreed, some bankers just know nothing.

Pratham
Pratham (@guest_1802533)
February 24, 2024 12:02

Opened in-branch in Boston, literally was in and out in 11 mins!

abrz
abrz (@guest_1799809)
February 19, 2024 03:29

Hey! I opened the account today. Should i Transfer the money today or i should wait? Also does chase transfer or capital or citi transfer works thanks.

Sherri
Sherri (@guest_1800940)
February 21, 2024 09:47

Did you try any? I’ve heard Chase doesn’t work. I opened mine yesterday, I will be trying capital one soon.

Tony
Tony (@guest_1800942)
February 21, 2024 09:51

heard?? Maybe a person didn’t do Chase regular 2-day transfer, but rather erred and did instant transfer

JohnsAwesome
JohnsAwesome (@guest_1799478)
February 18, 2024 11:07

DP:
2/7: account opened
2/15: $2050 push from Laurel Road posted in account (showed as Key Bank, as expected)
2/16: $400 bonus posted

Should also be receiving a $50 referral gift card but the site says 4-6 weeks on that. I was having issues linking this bank to Fidelity for some reason so I decided to try LR as I saw a positive Key Bank DP previously.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1799481)
February 18, 2024 11:18

To clarify, do you already see a gift card issued in your ReferLive account? That “4-6 weeks” is from the reward issue date as shown on ReferLive. JohnsAwesome

JohnsAwesome
JohnsAwesome (@guest_1799486)
February 18, 2024 11:32

I do not see a gift card in my ReferLive yet.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1799542)
February 18, 2024 13:18

Thanks. As I expected, they won’t be issuing the referral reward so quickly. Once you see the reward issued on ReferLive, it may take up to 4-6 weeks from the date issued to receive it in the mail. They process and ship rewards in batches. Sometimes, you may just receive it in less than 2 weeks if you get lucky.

EdwardD
EdwardD (@guest_1799175)
February 17, 2024 15:39

P1 successfully opened on 2/12. Today P2 tried to open and got the message “Sorry, we aren’t able to confirm your identity at this time. We can help you open your account at a branch.”

For both P1 and P2, credit files were unfrozen. Both applications were done on Chrome browser on the same computer.

Wonder if I need to clear cache on Chrome before P2 attempting 2nd try.
If P2 tries 2nd time online again today, will he get hit with 2 inquiries for the same day? Or will there just 1 inquiry regardless how many attempts on the same day?

How many days should P2 wait before trying again?

Tikky 🔗
Tikky 🔗 (@guest_1799343)
February 17, 2024 23:08

You could try using mobile/tablet or different PC browser (incognito is an option), same day. If you get the same result, let the Chex pull cool for a few days to verify the pull count. Otherwise go in branch to open.

Usually applying same day (i.e. checking, savings, CDs, business, etc.) at the same financial institution will result in multiple Chex pulls, initially. They tend to merge them after a few days, some up to a week or more. Biggest concern IMHO is FI that get sensitive to seeing the high amount of pulls in a short time-frame.