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Randy
Randy

Did a real bad job of paying attention to my account, so didn’t notice when bonuses hit.
Bonus one hit after P1+P2 transactions=20 (in our case 13+7). Bonus two hit after P1+P2 transactions=40. Not 20 on P1, and then 20 on P2.

Additionally, a couple of our first twenty transactions did not code as debit (no PIN, shows up as “withdrawal” instead of “withdrawal XXXXXX”). So those do count. Makes me wonder if I could have just hit Amazon for 20x$1 instead of self checkout with one lime multiple times.

All in all, was more work than it could have been. Hopefully others will profit from my mistakes.

Randy
Randy

Opened an account 2 hours ago in branch, I don’t see a hard pull from it. A friend applied a few years ago and it wasn’t a hard inquiry then.

First three months are maintenance fee free, after that there’s a few ways to keep it free: $2500 daily balance, 10 debit POS transactions, any amount direct deposit. See page 4 of the fee schedule here https://www.summitfcu.org/wp-content/uploads/2018/01/ratefeeschedule.pdf

Trampdad
Trampdad

Very cool. It’s not often there’s a region-specific bonus that applies to me. And the timing is perfect, I have an M&T account that just turned 180 days. So I can transfer the money parked there to keep this fee-free.

Thanks Doc!! I’ll let you know how it goes.

cus
cus

Does anyone know if they are doing a soft-pull credit report check?

Credit-Testa
Credit-Testa

I don’t know if this has been asked before but, will a P.O. box work for this? I have boxed in NY… but I live in another state. Will it not work?

Dan - Legal Bank Robber
Dan - Legal Bank Robber

DoC William Charles, just got off the phone and to be eligible you must live,work, or worship inside the city of Buffalo or the towns of Townawanda and Amherst. All those are WNY places surrounding Buffalo. I was excluded and did not want to push my luck and lie saying I worshipped in one of those places. I was just a tad outside of the target area. May be worth adding a note as it’s much more exclusive than previously thought. I will be working in Buffalo soon and after that job is confirmed I will call back and try to apply with that eligibility requirement met

TheTaxman_Cometh
TheTaxman_Cometh

I requested contact by email and they included an application that has the following requirements on it, also only need to send in a notarized copy if you don’t want to go into branch.

if you live, work, worship, volunteer, or attend school in the geographic boundaries of the City of Rochester, City of Bualo, City of Syracuse, City of Geneva, City of Tonawanda, Town of Henrietta, Town of Amherst, Town of Tonawanda, or Cortland County — you’re eligible to join

barrytuneup
barrytuneup

Just have to comment…wow..upstate NY. Lucky to be working there? Buffalo? hardly. Just an aside.. Cuomo went to the White House to talk to the Pres today about the 10k tax cap. Maybe NYS should lower taxes. Not even thinking about it. NYState lost 123K families to low tax states in the past 3 years. Wonder why. I live in Putnam Dutchess area and am retiring in 5 months +moving to Tenn asap!! Ever been to Monticello NY?? depressing indeed. Cuomo puts a casino there to make everything good. Lost 80 mill in the last 2 quarters. get out of NYState now!!! And I lived in this State my entire life. What a ripoff. Oh..the families that leave are replaced by poor/sick/immigrants who they bring in and pay everything for…no contribution to the tax base at all. No wonder taxes are sky high..and look at the public schools. Not like when I went to them. English speakers are in the minority in the state..and wife taught in NYC schools for 22 years. Today you need a weapon upon entering. Oh yeah.. the new libs in Congress want a 70 % tax on the rich. Lets do it and see what happens…Sorry for venting

barrytuneup
barrytuneup

btw..Buffalo is 2nd snowiest city in the sate… Forgot Syracuse is #1. Where I am today it 6″ of snow and another coating of ice on top.. Cant even do biz here in this state.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Hardly the spot for political ranting. Not trying to argue with your individual details, but I will agree the taxes are insane and NYC runs NYS unfortunately. The 70% is a marginal tax rate, which means the 70% would not effect the majority of their income. Only part of their income would be taxed at 70%. Buffalo is doing great and turning around no thanks to Cuomo.

Red
Red

I lived (rented) in TN contemplating retirement eventually. Moved away, hope you know what your in for.

GengisKhan
GengisKhan

I live in upstate New York – I’m glad you’re leaving.

Barrytuneup
Barrytuneup

So am I. Remember..hold on to your wallet!!

RG
RG

It’s nice to have a NY bank bonus where there’s a branch outside of NYC, so if there is an issue, I can actually show up and discuss in person. Dan, welcome to Buffalo!

Dan - Legal Bank Robber
Dan - Legal Bank Robber

I’ve always lived outside of Buffalo just thinking of taking a job in the city. But thanks RG

Jeff
Jeff

Unfortunately, all of the branches are in upstate NY. Calm down folks

IS250
IS250

Or you know, some of us will be in the area. Calm down, guy.

JSL
JSL

About 8.4 million people live in Upstate NY.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Some are in WNY actually and that makes us eligible. Believe it or not life goes on outside of NYC.

Average Joe
Average Joe
Dan - Legal Bank Robber
Dan - Legal Bank Robber

Will do later today and report back on any info I can get.

IS250
IS250

Please let us know if you hear anything about out of state residents (NJ) applying. Thanks.

Randy
Randy

If you’re related to someone in upstate NY it looks like you should be good.

You’re eligible to join if:
You live, work, worship, volunteer, or attend school within the geographic boundaries of one of our Community Charters below: Amherst, Buffalo, Cortland, Geneva, Henrietta, Rochester, Syracuse, Tonawanda

or

You’re related to or share a permanent residence with a Summit member or potential member