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Bobby O
Bobby O

Any data points on what counts as Direct Deposit?

Tanya
Tanya

PPK funding for $1000 failed

vc
vc

I think that this is nationwide. Instant approval OOS. Got a welcome email. Logged into account.

During the app, you’re charged $5 to join the CU and if you don’t meet their normal criteria (live/work/worship in area), they charge you another $5 to join 1 of 2 orgs that they have on the site.

Can fund w up to $1k w cc (the $1k includes your $5 or $10 fees that I mentioned above).

Jun
Jun

Applied OOS, application went pending, and see a $1000 charge on my citi card.

vc
vc

CC funding avail the day after I opened the acct according to my acct history in the portal.

They don’t do that annoying thing that a lot of banks/cu do and make you call to confirm your Zelle acct. I was able to enroll in Zelle online and withdraw. Only withdrew about half, though.

They also don’t have low Zelle limits. Mine is $2,500/day.

ShawntheShawn

This one may be Chex sensitive to OOS applicants. How was your Chex before applying? vc

Tsarinax
Tsarinax

I funded with 1k from a BofA premium rewards card and it funded as a purchase.

Tsarinax
Tsarinax

They also have a savings account which earns 2% up to $2500 with no real requirements. I haven’t seen that listed here for Affinity yet but I’m sure I missed it. It’s not a huge amount but it’s a nice little bonus if you’re going to use them anyway. There were DP’s on myfico of it helping with approvals for their CC’s as well.

IS250

1. Chex – Yes, not sensitive in branch. 100+/24.
2. No hard pull in branch
3. No instant issue debit card. Full checks can be printed out.
4. No ETF stated
5. No printout confirming bonus is attached to the account

mothman69

ShawntheShawn Applied on 10/11 from OOS and selected $5 donation option for eligibility. Received denial email on 10/12 stating “We’re sorry to inform you that we are unable to authenticate you at this time. This decision is based on the information provided in your application..”

I have no idea if this is Chex related or if they are simply denying those outside of their normal service area.

ShawntheShawn

Ah, that sucks. This one does pull Chex, as noted on the first page of application. The real reason behind “unable to authenticate you” or “unable to verify your identity” could be too many Chex inquiries. mothman69

Bertrand
Bertrand

I was denied back in 2019, presumably for Chex.

Jay - ⒿⒶⓨ 🙈 🙉 🙊
Jay - ⒿⒶⓨ 🙈 🙉 🙊

mothman69 I signed up with them the last time they offered the bonus, being on the opposite side of the country. No problem with getting the account then.
Account is one of my favorites for easy mobile check deposits and the $120 a year for making a single monthly “large purchase” at a grocery service counter. Also abolutely love their credit card!

vc
vc

So, you never got an instant approval? What happened during your app? During my app, I had to research one of my credit bureau questions and when I came back about a min later and answered all q, they told me to answer quickly LOL. They also gave me new questions. Instant approval. I wonder if it’s related to credit bureau questions. Either way, I’d reach out since they do approve OOS. Good luck!

Jethro Tuller
Jethro Tuller

I use this when a merchant adds a charge to use a credit card, but not for debit.

Minka
Minka

You need to pay $5 to Join.
Direct deposits every month With no data points.
Bah

Jime
Jime

opened the account with $995 initial deposit with chase sapphire. coded as purchase

vc
vc

How long for cc funding to appear in acct and recv dc?

arihalli
arihalli

I can see the $150 is a good bonus. But, 1% back on debits is rather low. Am i reading this correct? Or is there something i missed regarding benefit of the card? thanks,