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JB
JB

Interesting bonus.

So I opened the account on 5/9 and deposited 10k shortly after. I received the $150 bonus within a week or so if I remember correctly. Although I know I was supposed to keep the 10k for 90 days, I had other bonuses to get to. I transferred the funds out and took my chances since I had already received the bonus.

I completed the other two portions of the bonus and sat and waited. Eventually I got the $100 bonus for the 15 debit card purchases. The only thing left to be paid out was the $150 for the Direct Deposits portion.

I login yesterday only to find my account had been closed. Unfortunately I had not transferred the $100 out of my account. I actually received an account closure letter and to my surprise, a $100 check today.

So although I wish I would have gotten the full $400, I can’t complain about getting $250.

No explanation as to why the account was closed.

Jon
Jon

Nevermind, please delete

Jon
Jon

Has anybody tried Venmo or the like for the debit card purchase requirement? I imagine it’d work unless they manually review.

Also, I’d say it’s worth pointing out in the post that the Everywhere Connect account pays $5/mo when you make at least 10 debit card transactions and waives the $10 monthly fee when you make at least 5. I just went with the Simple Checking without looking into the Everywhere Connect Checking and regret my lack of due diligence.

Ben
Ben

Consolidated timeline DP:
– 2/18 – Application submitted with in-state physical address but out-of-state mailing address
– 2/24 – Account approved & opened
– 2/25 – $10K opening deposit posted
– 3/15 – $150 deposit portion of bonus posted (wasn’t supposed to post until 6/15)
– 3/22 – 3/25 – Combination of small and 1 large debit card purchases totaling $500
– 3/31 – $1.25K Employer DD posted (Statement 1)
– 4/15 – $1.25K Employer DD posted (Statement 1)
– 4/15 – $100 debit card spend portion of bonus posted
– 4/30 – $2.5K Employer DD posted (Statement 2)
– 5/19 – $150 direct deposit portion of bonus posted (had to follow-up with customer service after meeting terms as bonus didn’t automatically post on 5/15)

Will keep the account through the end of August to avoid ETF / bonus forfeiture.

Davis
Davis

Is the in-state address just some random address you put down?

Ben
Ben

Davis Previously lived there and mail forwarding is still active 😁

ieatdogfood
ieatdogfood

Did you actually live in an eligible zip code or are able to play with the numbers to bypass the zip code eligibility pop up?

Ben
Ben

ieatdogfood Pretty sure for this one I submitted the app with my old address (in NC) and then updated it to my current address (in WA) once opened

I believe HTB doesn’t let you change the “state” dropdown once you enter in the initial eligibility zip code

Ben
Ben

Account opened Feb 24, met the $500 debit card spend March 22 – March 25, and received the $100 debit card portion of the bonus (bonus shows posting date of Apr 15 but was “visible” on Apr 16)

JB
JB

Did you get your account number in the mail?

Ben
Ben

JB I received my signature card in the mail but I feel like I was able to get the account number earlier in the process (maybe via online banking, digital welcome letter, etc.)

Stammers95
Stammers95

DP – I live in NC and within footprint…opened the account without issues and funded the account with $10k. A week later I noticed online that my $150 bonus posted already to the account for the funding with $10k. Although the terms states to maintain $10k balance for 3 months this doesnt seem to be true. Im not going to risk pulling the $10k out yet but wanted to let the followers know about the quick payout.

Ben
Ben

Stammers95 had the same thing happen to me and came to the same conclusion. I’ll maintain the full $10K balance for 90 days to avoid potential clawbacks

Yun
Yun

Do you have DP about fake DD?

edman
edman

did you deposit the 10k the first day you opened the account or a few days later?

Ben
Ben

edman At the time of account opening

Yun
Yun

Do you have DP about the DD? I am hesitate since there is no DP about fake DD.

James
James

No luck applying from GA. Looks like it is not just region specific, but strictly footprint specific.

Matt
Matt

No dice for Middle TN. Tried Johnson City – it works, so may be East TN only.

Jan B
Jan B

More like Southeast TN, maybe?

yuva
yuva

No dice for Memphis, TN

AS
AS

No dice for Nova zip codes

Daniel Wu
Daniel Wu

confirmed no dice for NOVA zip code

Eric
Eric

For OOS people, they checked my zip code and gave me the following message.

“No Available Products
Thank you for considering us for your banking needs. We’re sorry, but we are not offering products in your ZIP Code at this time.

Please feel free to check back with us in the future.”

AllenW
AllenW

Thanks for Checking man.