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swagsism
swagsism

The Premier Bank website says the offer is only valid through 11/30/2021.
I googled to see if there was a new link for a similar promo and was directed to this same “smile” promo page.

Jeff
Jeff

This bonus is slow. Completed all requirements 1 1/2 months ago. Opened 10/10. Nothing showing yet.

Megan McBankyFace
Megan McBankyFace

Read your fine print. Used to say 90, today it says 120. Always be sure to make a copy/record of what you sign up for to keep track.

“Incentives will be deposited into your new checking account 120 days after account opening and after the completion of the corresponding requirements.”

killdozer
killdozer

Thank you for your interest in opening a new account.
Unfortunately, we cannot process your application.

Megan McBankyFace
Megan McBankyFace

ditto 12/30/21
But I think I failed an identity question. What road is close, never seen any of those roads before and neither did google maps.

PD
PD

Surprise…they have a $3 paper statement fee that is not mentioned in the account type description. You go to “Documents” and can switch to online.

Jeff
Jeff

I opened this account 2 weeks ago and haven’t gotten my Debit card yet in the mail, so that basically leaves me 30 days at best to reach that bonus. How long did it take to get your card?

Bonus_Chaser
Bonus_Chaser

Opened in branch or online?

Kenny Shaw
Kenny Shaw

Ask them, when I asked they said they never sent me a card because I never requested it even if I did.

Aaron M
Aaron M

6/29 – opened online with promo code “Smile”, took screenshot of promo confirmation
7/22 – completed 10+ PoS debit transactions of $10+
7/23 – $10+ mobile check deposit
7/27 – paid CC bill w/ Premier bill pay
7/27 – sent ~$15 to someone via People Pay

$100+ DDs pushed from Discover, Chase, PayPal, Ally, Fidelity CMA, Alliant, Wells Fargo, Porte, and Monifi by 7/26.

10/12 – still no bonus posted. 90+ days after opening. Might have to call on this one.

killdozer
killdozer

Did you get it resolved?

Aaron M
Aaron M

Nope. Called on 11/3, again today. On 11/3 she said it would take 4 statement cycles, I explained the promo terms said 90 days after account opening (plus I had received 4 statements by that point anyway). She was going to talk to someone in the promo/marketing dept and call me back – never did.

I called again today, same nonsense. Apparently the new terms with the “smile” promo say bonuses will be paid 120 days after account opening, but again it wouldn’t apply to me and it’s been 120 days for me anyway. New rep is going to do some “research” and “call me back.”

I signed up with the promo and met all the requirements. No idea what happened. Everybody else seemed to get the bonus within 90 days of account opening, and sometimes 30 days or so after completing requirements.

Aaron M
Aaron M

12/8 – I called back the same rep from 11/15. She did call me on 11/16 and had left a message that she had passed the inquiry onto another team, but I hadn’t heard back. She followed up with someone again, and called me today 12/9.

She said they had found the promo wasn’t “coded properly” or similar, which is why I hadn’t received the bonus. I had the screenshot of entering and applying the ‘Smile’ bonus at the time of application. Anyway, all done… finally.

12/9 – $250 bonus received (“Credit Memo” “RetailPromoB”)

I never mentioned DD on the calls, just that I had completed the different requirements (bill pay, mobile deposit, etc.) for the $250 bonus. Nobody asked about DD, either. Obviously if it was just a fake DD to trigger the entire bonus I wouldn’t have called and compromised the mission. 😉

Zeus
Zeus

Thank you for your interest in opening a new account.
Unfortunately, we cannot process your application.
For assistance, please contact us at 1-877-367-8178.

Live in SEPA, Chex lol/12

PD
PD

Got the same thing. High Chex numbers. Not sure if it was that, or if I was supposed to know one of the people listed in the verification questions.

Kyle

Same thing here. Verification questions were quite ridiculous.

Megan BankyMcBonusFace
Megan BankyMcBonusFace

For chex, do you personally track your chex, or do you request a report periodically from chex?
Do you get a free one if denied due to chex?
I did about 15 accounts in 2020 but haven’t tracked which are chex or not. Just got excited my first year. Is that up there with “lol/12/24” numbers? Thanks!

Gadget - Bank Bonus Geek

You can get one Chex report within 60 days of a denial. However, they don’t know if you got denied, and annually, so in reality, you can pull your report anytime. Some people have issues with the online request form and end up getting mailed reports. I believe they have a max of 3 reports every two weeks.

I think most people with the LOL/24 marker know it’s going to be a long report and don’t care.

Another DP
Another DP

P1 opened the account and got the bonus earlier this year. The account has been open for 6 months.

Should we close P1’s account and then open P2’s account to avoid Household limit?

Or, do they restrict it to one bonus per household per year regardless of P1’s account status?

Appreciate any thoughts/tips/experiences 🙂

Kyle

According to previous DPs, household restriction isn’t enforced.

Mikhail
Mikhail

If not US citizen, must call

Kenny Shaw
Kenny Shaw

Aight we’re doing it, even if the requirements are nutty. Pittsburgh applied online, approved. Credit card funding didn’t work at all. Online access immediately, the same looking interface as SandT bank lol