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Frito Pendejo
Frito Pendejo

I never got the bonus this time. I used to do these all the time, pretty sure I was using Discover ACH as the DD, which always worked but not this time. It’s def been a year since my last MTB account.

Gadget - Bank Bonus Geek

DP: Zip Code workaround still works in targeted state but out-of-footprint, however, unsure of the bonus payout yet.
Promo Code TH auto-applied – Previous account a year ago was code TR.

– They have changed their account sign-up process. Screens look very different.

– No longer tells you to print & mail/fax a signature card. (not sure if they mail one with account docs)

– No longer do you fund your account during the application, which eliminates the 2nd Chex pull issue. (before, if you chose to fund with ACH during the app, it would report that MICR info to your Chex as another inquiry)

– You get to download a report with all the end with all the disclosures, which includes your account/RTN numbers, well, if you get auto-approved.

– No issues signing up for online banking instantly. I always just create a new user ID; no point in reusing old ones. Whateverpaymybonusnow2020 is taken!

I notice I was assigned the NY/CT/NJ routing number for the account. I have had that happen in the distant past and did not prohibit me from getting the bonus then, but that’s when bonus payouts were just going crazy. However, for the last couple of years, I have been getting a home state RTN (VA/WV/MD). Not sure why it changed, but I would be curious if others that are in-state, but out of footprint, see this as well.

My biggest advice: give it a few days before trying to ACH in. It’s been an issue in the past, and your trial deposits or ACH will get returned to the external bank if the M&T account is not fully setup. Probably best to mobile deposit a check just to fund the account, or wait at least a couple of days before trying to set up ACH from external banks. It does say you have 60 days to fund before they close it, but more often I see people trying to be too quick to fund. I know it looks like it would be ready to rock & roll, but it’s not. Jay - ⒿⒶⓨ 🙈 🙉 🙊

samsimon
samsimon

when will you get the bonus do you think? I will wait for your DP before I apply…

Gadget - Bank Bonus Geek

USAA ACH hit yesterday. No bonus so far today. So, off to a bad start, but I can’t remember if it’s one that hits overnight. Going to try two other known winners, Fidelity & PenFed.

TY
TY

Not eligible to open an account online maybe because of resident alien.
Opened bank account plus in a branch on:
09/14/2020 with $25
09/14/2020 ACH pushed from Santander Bank checking $1500
09/16/2020 posted as first name last name PAYMENT $1500
09/17/2020 Cash Bonus posted $ 250. Actually it was 09/18/2020 3:00 am.

Mark
Mark

DP: Tried my NJ zip code and it said it was not available in my area.

B
B

DP: I tried my CT zip code and it said it wasn’t available.

Gadget - Bank Bonus Geek

William Charles New expiration is 1/11/2021. In a few days, jumping back in for probably my last M&T ever. I suspect it won’t payout in my zip, but I won’t believe it until I see it.

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

Gadget - Bank Bonus Geek what makes you say that last sentence?
‘Fake’ zipcode before inputting your real details not working anymore?
Thanks as always… 🙂

Gadget - Bank Bonus Geek

Seems to be several reports of not being eligible for the bonus out of state, so I assume OOF is going to have the same issue… I will know in a few weeks.

Gadget - Bank Bonus Geek

Example: https://www.doctorofcredit.com/mt-bank-150-checking-bonus-tn-available-online-ct-dc-de-md-nj-ny-pa-va-wv/#comment-1008002

If this link doesn’t work, right-click and open incognito. I am in the right state, wrong zip. Will see soon what happens.

exShoYoGuy
exShoYoGuy

Can I do one for me and one for my spouse if we live at the same address?

Gadget - Bank Bonus Geek

Yes. Well, as long as you aren’t joint account holders at M&T.

DoC’s article says Household limit: None listed

PassInterference
PassInterference

8/25: Set up the account
8/31: $2500 ACH from Santander coded as DD
9/1: $250 bonus posted

I just moved to the free EZ Choice account and will soon withdraw all funds. Thx DOC!

RVA1Love
RVA1Love

Data Point:
P1:
7/31/20 – Opened MyChoice Plus online
8/5/20 – $501 push from USAA Checking (coded as” J SMITH TRANSFER”)
8/6/20 – $250 bonus posted
Sent SM through website to downgrade to EZChoice Checking, request fulfilled in 48 hours, will keep $1 in till ETF date passes and close

P2:
8/8/20 – opened MyChoice Plus, couldn’t open online, needed to go into branch
8/20/20 $501 push from USAA Checking (coded as” J SMITH TRANSFER”) – had to wait for debt card in mail to get online access to verify micro deposits
8/21/20 – $250 bonus posted
Sent SM through website to downgrade to EZChoice Checking, request fulfilled in 48 hours, will keep $1 in till ETF date passes and close

Thanks DoC!

Bonus
Bonus

I went to the branch and tried to open with the CJ code, she said that my name and address has to be in the system as its targeted and it has to match. Is she correct or making stuff up? She said the same for CK, CJ and CG. I only want to go for the $400 bonus and not the lower ones.

Gadget - Bank Bonus Geek

Really… $250 not worth your time?