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ieatdogfood
ieatdogfood

My Porte account was closed out of the blue. Don’t have time to check on it right now.

Betelgeuse ㊙️

Did they notify you by email?

ieatdogfood
ieatdogfood

Yes and app push notification.

Eric

You seem to have a lot of your accounts closed. What kinds of transactions do you do?

ieatdogfood
ieatdogfood

Delete

ieatdogfood
ieatdogfood

Only three IIRC, so not that much. T B K, Nearside, and this one now.

I didn’t do any transactions other than move a penny back and forth from the checking and savings a couple months ago to keep it active. I can’t log in or reset password so I’m going to let it be and wait for my close out check. I think I had something less than $10 in total with Porte, can’t remember exactly. Didn’t use them for the 3% after Q1.

Eric

I thought you were 1 of the few people that had your account closed at Midland. Maybe you just had issues but it wasn’t closed. I don’t remember as it was a long time ago.

What’s Nearside?

Anyway, maybe they closed your Porte account for inactivity. Why didn’t you use the 3% account? The requirements are easier than most rewards accounts.

ieatdogfood
ieatdogfood

Definitely had issues with Midland but got the bonus and closed on my own terms.

https://www.doctorofcredit.com/nearside-small-business-checking-50-bonus-1-6-cashback

My cash stash is much lower than before. I still have to fill up ETFCU so Porte was only a last resort. Plus I didnt like quarterly payouts and they are a less than reliable fintech with only app access.

Eric

I hate that they don’t have website access also. I emailed them 1 or 2 months ago to ask them to implement it but I won’t hold my breath.

Betelgeuse ㊙️

My transfer from Chase biz checking to Porte got returned 🙁 Was able to make a transfer from Chase last year.

Gadget - Bank Bonus Geek

DP: 15 $1.xx USAA Insurance payments + $3k Alliant Savings ACH transfer = You’ve Qualified! badge
Not working – Service Credit Union ACH

The debit counter has changed and no longer moves at all, no matter if the debits count or not. I guess this was their fix to having false positives, where the counter would increment, but not always count for the badge.

So, your only indicator is once you completed all the requirements (i.e. your debits & ACH DD have been posted) and see the “You’ve Qualified!” badge in the savings account.

Rosie
Rosie

DP: 15 $0.5 Amazon reloads + $3k T-mobile money transfer = You’ve Qualified! badge

B
B

.50 reload x15 times amazon did not work? The counter did not move even though its settled Friday…

Mickey
Mickey

The counter doesn’t work this quarter, I saw the same thing with my reloads. However, after my 3000 deposit hit( transfer from LMCU ), it showed me as qualified.

B
B

nice, did you initiate a pull from Porte? LMCU doesnt do external transfers

Mickey
Mickey

LMCU definitely does external transfers, , i use it extensively. It is a little hard to find because it is under their Bill pay. Pro tip, using their external transfer there is a 2500 transfer limit daily limit( at
least for me ). However, if you use the pay a person feature in bill pay, you can essentially make a direct deposit without that limit. The pay a person is only a push from LMCU, to do a pull you have to use their transfers. The limit is there too, but its kinda vaguely different.

B
B

Interesting, how do you find the payee info (Porte Bank)

Gadget - Bank Bonus Geek

Look at your account info in the app, under your profile…. under the hamburger button (3 lines) in the upper right once you log in.

You can also click on the direct deposit and get the form. Either way, it will have the ACH RTN and account number for the spending account.

Mo
Mo

Did anyone else start getting interest withheld from Porte?

Hua
Hua

Yes — and when I called about it, the first person put me on eternal hold that eventually rang back into the automated attendant. Went back through the whole menu, account verification, etc. and the second person couldn’t see the transaction. “Well, we only have limited visibility into savings accounts… so go check the terms and condition.”

Pretty irritating.

Mo
Mo

Hey sorry, didn’t see this reply til now. So I figured out the setting in the app to turn off backup withholding. Settings -> Account Info (at the top) -> then the Savings Account has “Backup Withholding Status”. At least this is how it shows up on iOS.

Steve
Steve

DP: Can confirm that HM Bradley (keywords HMB HMBradley) pushes still qualify as DDs (direct deposits) to trigger the badge. I was at about $2,950 for this quarter because my last employer DD was just barely below the last bit I needed to pass $3,000. I’ve been splitting my DDs between HMB, Porte, and other banks this quarter so it was getting pretty tight. Based on earlier DDs, I was going to try Alliant (but I couldn’t verify Porte in time) and a T-Mobile Money push that hadn’t happened yet, but HMB got there first.

So to summarize: $2,950 in real employer DDs plus $100 in HMB ACH pushes triggers the badge. I suspect, but can’t be sure, that just a $3,000 push from HMB would count as well.

Steve
Steve

Edit: one line up there should read “Based on earlier DPs, I was going to try Alliant (couldn’t verify Porte in time)”

Desiboy
Desiboy

P1 did 15 Amazon $.5 reloads and 3k ACH push during April and was able to see counter moving and badge posted.
P2 is trying to do the same (close to 10 now) during June and the counter is not showing up at all.

It says “Merchant Debit Transactions” does that mean PIN-based transactions?

LM
LM

Is there a list of what qualifies as dd for the 3%? Chase is a no go and the only bank I have that I think will transfer to the metabank.

Pablo
Pablo

List of DD datapoints here:
https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Porte_Bank

I guess it will need to be updated to reflect that Chase appears to no longer work.

Ram
Ram

Can someone please confirm if Amazon $0.50/$1 transactions are counted towards the debit transactions? I did 8 transactions last week and counter never changed.

Gadget - Bank Bonus Geek

They were working, but they may have made changes? How about making a real debit… $1 Slurpee… and see if it moves?

Before the problem with some debits was that the counter would increment (Cash App, Venmo, Geico, Verizon, Tmobile) but they did not count toward getting the qualified badge.

Casey
Casey

I’ve completed 15 amazon transactions (some as early as mid-april) and $3k in real employer DDs, but the transaction counter has not moved at all and I don’t have the badge.

I did the same thing in the first quarter and I could see my progress on the transaction counter, then got the badge after the final DD.

I’ll try a real debit in the next few days to see if that moves the counter.

Casey
Casey

Well never mind! I was confused and had only completed 12 amazon transaction. I completed 3 more yesterday, they’ve already posted, and the badge now shows.

LigZ
LigZ

I’ve completed 15 $0.5 amazon transactions and >3k real DD this quarter. I can confirm that I have the “You are qualified” badge.

Gadget - Bank Bonus Geek

However, it’s possible that they made changes this month, as Ram is the 2nd person to report the debit counter not moving (incrementing). Or, could be account specific? Glitch?

Amazon reloads were definitely working before… I did some in late April that worked just fine.

All it would take is for them to put in a $1+ minimum transaction… of course, it would be nice if they relayed that if it was the case.

Lily
Lily

Gadget - Bank Bonus Geek – Are you saying Amazon reloads need to be $1+ for each? I did all under $1 but got the badge. (I only did 6 amazon reloads though, the rest are all organic spendings).

Gadget - Bank Bonus Geek

50 cents has worked in the past… It worked for me last month.

But this is a fintech… they might make changes.

LigZ
LigZ

P2 received $3000+ real DD last week. Then I made several 50 cents Amazon reloads to bring the total to 15. The badge showed up shortly afterward.

Ram
Ram

Just to add one more data point, I even tried a payment to Xfinity and it still the counter doesn’t move. Probably, I shall use the physical card over the weekend to see if the counter moves. Things we have to do for $100….

Gadget - Bank Bonus Geek

Kiki Leo Some1 already noted that Xfinity doesn’t count…

Use the Search 🔍 next time.

Ram
Ram

Oops missed that, thanks

Ram
Ram

Did a genuine transaction at Burger King two days ago for $2.19 and even that doesn’t trigger the 15 debit transactions

Alti
Alti

yes, it works still.