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Matt K

Looks like $350 offer active on this bank….

https://www.ridgewoodbank.com/home/personal/checking

K F
K F

Money orders are not accepted as deposit through the app, also, I had it unlocked a few minutes after emailing the address specified in the app, checkdeposit@ridgewoodbank.com. I sent my name, scan of my license, scan of my passport and the account number.

K F
K F

I had to call in, a rep from the branch I opened it at said he’d look into it and call me back. He said they’d deposit it that day. They did indeed. It just showed up as “Deposit” no promo language or anything. Seems like they manually did it.

K F
K F

I’m actually going to keep this account as it’s the closest bank to my house, and I actually really like the people and their available services.

But everyone who says their tech is outdated is dead on. Their ATMs require envelopes and are manually entered into the system by people, so if you deposit Saturday after closing hours…prepare to not have access to that cash til Monday AM. Even the banker that helped me open my account acknowledged that. She said that Ridgewood’s policy is to let other banks do the “exploration” of technology and adopt it after it proves successful. I actually personally agree with that.

Here’s what I’ve discovered and will share with everyone.

1) USPS Money orders clear the next day, despite the “your account is less than 30 days old so you have an 11 day hold” rule.

2) Cash and direct deposits are available immediately.

3) Their website updates at 6am EST.

4) They can print debit cards and starter checks in branch.

5) Almost everything shows as direct deposit. PayPal, Schwab, Alliant, Stripe. When I went in branch to ask how my bonus requirements were going, I had fulfilled direct deposit. I’m going to keep depositing PayPal to the account.

6) For whatever reason, despite me selecting e-statements online immediately after opening the account, when I asked about the requirements, she said I hadn’t selected e-statements, but she was able to change it for me from her system. So make sure to check on that.

Hongchang Wu
Hongchang Wu

Finally got the $200 bonus today after calling my local branch last week. Used payroll direct deposit.

Jessica
Jessica

I only got $100 bonus. Guess that is $50 eStatement + 10 Debit transactions
Initiated 5 ACH transfers from other banks. It doesn’t seem to be working, 🙁

Dirah
Dirah

I did 2 transfers (Bofa Business and Etrade), and they appeared on the account with the description “Direct Depost”. Even so, I only got the $50 bonus for getting bill statements, but not the $100 bonus for DD.

howard
howard

when did you open the account? I did real DD and have not received any bonus (even the bill statement). Guess might have to contact them soon?

Tony
Tony

Anybody get the bonus yet? I completed all the requirements, sent in the form, and bonus has not posted yet.

DJ
DJ

I was approved instantly when I applied online on a Sunday. But got a denial email on Monday stating excessive inquiries. I however received a paper statement at the end of the month. I called up the bank and when they checked, the account was actually opened and the denial was for the online banking signup. So the banker deleted my online profile and asked me to signup again!

Those who were denied when applying online – it might be worth calling them and checking if the account was indeed denied!

joe
joe

anyone know .. one per person or one per household?