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S
S (@guest_2043875)
April 14, 2025 17:51

for folks who already bank with primis, are you able to open additional novus checking still (or is it discontinued)? i have a savings with them but they took down novus before i had a chance to open one, wondering what the process is/if they’ll honor it for existing customers still

fdic
fdic (@guest_2043934)
April 14, 2025 20:45
  S

nope

Slickdealer
Slickdealer (@guest_2046540)
April 19, 2025 08:55

Novus has been gone for everyone including existing customers since the end of November last year.

fdic
fdic (@guest_2042781)
April 11, 2025 15:21

Does anyone know what is the default rate for Primis Novus checking after the 6% 6 month promo is over and also for funds that are in excess of $100k while the promotion is on? I called them twice and keep getting different answers. First guy said 5% and I was like no way please check again, then it became 4.20. Second call they told me 4 which seems more realistic to me.
So it seems to be better to open a new simple savings account at 4.35% rather than going over 100k in Novus account, right?

PaulinTexas
PaulinTexas (@guest_2042820)
April 11, 2025 16:18

fdic Howdy! After the promo the rate drops to 4%. The rate on anything over $100K (during the promotion) is also 4%. Definitely better to move excess $100K to a 4.35%+ savings account.

fdic
fdic (@guest_2042843)
April 11, 2025 16:42

Hello 🙂 I was going to tag you in my question but then thought let me not bother you too much. Thank you and I hope you are back to running around.
Im going to try open a Savings account tonight with Chex frozen. With everything else going down, 4.35% seems pretty competitive.

PaulinTexas
PaulinTexas (@guest_2042867)
April 11, 2025 17:02

fdic Getting around pretty well. Going to Physical Therapy (PT) & will get my left knee replaced first week of June…then more PT. I figure by Oct I should be close to 100%. It really takes a solid year before everything is healed properly & you can resume a more active lifestyle.

Let me know how the opening process has changed. Good Luck 🙂

fdic
fdic (@guest_2042956)
April 11, 2025 20:19

Tried myself online and there is no option of opening a new account while logged in

And from outside, it showed me 2 options and noting for existing customers

I AM A NEW CUSTOMER
I’VE ALREADY STARTED AN APPLICATION

Looks like something has changed since I last tried this. Earlier there was a separate logon for account application website and I just did all my accounts through that. When I try now and log in, it just says you have no pending applications and then takes me back to the above 2 options.

So I just called in, first lady said you have too many accounts let me check if you can open more so I just hung up on her 🙂
Second one took the info for the digital team, I asked her to add beneficiary as well, lets see what happens

S
S (@guest_2043877)
April 14, 2025 17:54

they’ll prob make you thaw chex- i applied for savings with it frozen around this time last year and they made me thaw before opening

fdic
fdic (@guest_2043859)
April 14, 2025 17:09

PaulinTexas I am getting so many different answers from them about the base rate on Novus that I had to ask them to tell me the rate in writing. They are saying that it is 4.50% APY which is not bad at all and better than anything that they offer now

Just got an email from them

If the account requirements are met during the preferred rate period, and your daily balance is $100,000.00 or less, the interest rate paid on the entire balance will be 5.84% with an annual percentage yield (APY) of 6.00%.
 
If the account qualifications are met during the preferred rate period, a variable interest rate of 4.41% will be paid only for that portion of your daily balance that is greater than $100,000. The account APY will range from 4.50% to 6.00%, depending on the balance in the account.
 
When account qualifications are not met and/or after the preferred rate period ends, the variable interest rate paid on the entire balance in your account will be 4.41% with an APY of 4.50%.

PaulinTexas
PaulinTexas (@guest_2043913)
April 14, 2025 19:25

fdic That would be great if it’s true, but it doesn’t match what I’m currently getting on an old Novus account, and it doesn’t match their account opening disclosure:

Determination of Rate At our discretion, we may change the interest rate on your account.

• Preferred Rate1If the account requirements are met during the preferred rate period, and your daily balance is $100,000.00 or less, the interest rate paid on the entire balance will be 5.84% with an annual percentage yield (APY) of 6.00%.

• Above Cap Rate1If the account qualifications are met during the preferred rate period, a variable interest rate of 3.93% will be paid only for that portion of your daily balance that is greater than $100,000. The account APY will range from 4.00% to 6.00%, depending on the balance in the account.

• Base Rate1When account qualifications are not met and/or after the preferred rate period ends, the variable interest rate paid on the entire balance in your account will be 3.93% with an APY of 4.00%.

My current Primis Savings account has a 4.4% APY. My plan on 5/16 (end of my promo period) is to move the funds from my three Novis accounts to the joint savings – if the Novus rate ends up being 4.5% APY I’ll move funds to a joint Novus account, but I’m not holding my breath.

At that point I’ll be in the market for another high yield savings account and will take a closer look at Evergreen Wealth – currently 5% APY, $25K. I also have the 4.6% APY Wells Fargo Savings that I’ve kept around & will be good until August or unless I decide to close it beforehand.

fdic
fdic (@guest_2043932)
April 14, 2025 20:35

PaulinTexas I replied back to them saying that I have heard so many different values for the rate from different agents 4, 4.20, 4.5 and 5
The thing is that even if I have it in writing it does mean anything as it is a variable rate 🙂 And 4.5 seems too good to be true like you said.

So your 4.4 APY is the same savings account type that is available on their site now at 4.35 APY with you being grandfathered, or is it called something different?

Sounds like a good plan. Even though I absolutely hate Marcus, I keep on falling back to them as I keep getting referrals and the rate is a decent 4.75 including referrals.

PaulinTexas
PaulinTexas (@guest_2043940)
April 14, 2025 21:02

fdic Same account, but grandfathered. I know you don’t like Marcus, but if they have a good rate, you might as well take advantage of it 🙂

fdic
fdic (@guest_2045357)
April 17, 2025 04:49

Hi PaulinTexas Finally got someone decent today who helped me open the Savings account. She apologized for all the “variable” rates I was getting quoted and said she will try to get me 4.40% (grandfathered rate) for my new Savings and she did.
But as expected the base rate o Novus in 4.00 and not 4.50 🙂

Btw, have you looked into this
https://primisbank.com/extendedfdiccoverage/
Looks like we are already opted in by default but there is an option to opt out.

midas89 just FYI.

PaulinTexas
PaulinTexas (@guest_2045719)
April 17, 2025 16:12

fdic Great that you were able to get the 4.4% rate.

Yes, I have looked at the extended coverage but never plan on taking advantage of it. I don’t like the risk of keeping all your eggs in one basket, so I prefer to diversify.

fdic
fdic (@guest_2045747)
April 17, 2025 16:50

I am wondering how much visibility they give you about the accounts at the other banks like do we get direct access to those other accounts like MaxMyInterest or is it all behind the scenes like Raisin. If it is the later, then no way I am going near it. If I find some more info on this, I will share with you

Matt J
Matt J (@guest_2039113)
April 6, 2025 14:03

For those who have a Primis checking account from a few years back (the original 5.07% APY), what’s your APY today?

Slickdealer
Slickdealer (@guest_2039232)
April 6, 2025 17:47

I opened their checking account when they first offered the product so I have a grandfathered rate of 4.4% APY. Slightly higher than their current advertised rate of 4.2% APY.

Matt J
Matt J (@guest_2039243)
April 6, 2025 18:06

Gah, I actually used to have an account with them too years ago. I should’ve kept it open — rate for me was 5.07% back then. Re-opening would knock me down .20%. Not a huge deal I guess. Curious, is your savings rate different than the 4.35%?

Slickdealer
Slickdealer (@guest_2039248)
April 6, 2025 18:14

I only opened their checking account, not their savings. Back then, both their checking and savings had the same APY. Now I see it’s 4.2% APY for the checking and 4.35% APY for the savings. So I do not know if they have a grandfathered rate for their savings and what that might be. Maybe someone else who does have one can chime in.

EdwardD
EdwardD (@guest_2040866)
April 8, 2025 21:24

I have grandfathered checking and savings which were 5.07% when I opened years ago. Now they are both 4.4% APY.

Eric 🔗
Eric 🔗 (@guest_2041101)
April 9, 2025 09:52

What’s grandfathered about them if the rate went down?

EdwardD
EdwardD (@guest_2041304)
April 9, 2025 13:58

They send email to me when they lower my grandfathered account rates. What I get is usually a little higher than on advertised Primis website rate. But their email will state what exact rate I get.

fdic
fdic (@guest_2042779)
April 11, 2025 15:17

EdwardD Eric
I guess their current savings is 4.35% APY so they are giving additional 0.05% for grandfathered making it 4.40%

Dealgamer
Dealgamer (@guest_1997622)
February 4, 2025 02:26

Anyone use their high yield checking and have thoughts about it to share, positive or negative?

RM
RM (@guest_2038488)
April 5, 2025 04:43

Dealgamer Are you still interested? I am very happy with the account, especially customer service — but don’t want to write a long post if this is no longer relevant to you.

fdic
fdic (@guest_2038505)
April 5, 2025 07:13
  RM

RM I am interested too. I have their Novus account with 6% but no checking and havent interacted much with CS so far

RM
RM (@guest_2038516)
April 5, 2025 08:28

fdic OK.

I use them as one of my two hubs.

Positives:

(1) Excellent, US-based, 24-hour CS. On the couple of occasions I had issues that regular CS could not solve, I was able to reach C-suite executives at the bank to get them resolved, Can you imagine being able to email execs at most banks and have them get back to you within a few hours?

(2) They reimburse wire transfer fees charged by other banks and pay you an additional $10 for incoming domestic wires. A very useful feature in this hobby that makes it easy to move large sums back to the hub when a particular bonus is finished. (Outgoing domestic wires are $5, which is mildly annoying but not the end of the world.) Obviously, this feature should not be abused or they will discontinue it — but a nice cherry on top a few times a month.

(3) Their APY for the checking account is consistently very good. Not the absolute tops, but good enough for a hub from which I move money out consistently to do bonuses.

Negatives:

(1) An annoying limit on outside linked accounts. You are allowed three outside accounts per Primis account per account owner. So, to use us as an example, I have a joint checking account with P2, and each of us also has an individual checking account. That allows us to link 6 + 3 + 3 = 12 different outside accounts between us. Probably fine for most users, but not enough in this hobby.

(2) Linking has to be done by Plaid, which I hate with a passion. So I usually link using my other hub, and then wire to Primis for the $10 moneymaker.

(3) A couple of years ago, they had a security incident that resulted in many people’s accounts being frozen for several days. You can read about this in the comments below from June 2023. This was before my time, but caused some people to swear off Primis.

Dealgamer
Dealgamer (@guest_2038695)
April 5, 2025 14:58
  RM

I read from someone here on the new banking platform they no longer limit to only 3 external accounts, though maybe it doesn’t apply to older accounts and only to new ones?

But apparently a lot of other institutions have trouble recognizing Primis. And plaid only linking kills a hub imo, way too restrictive without a old fashioned backup

RM
RM (@guest_2038833)
April 5, 2025 19:09

Dealgamer I haven’t tested the limit since they changed platforms because I avoid linking through them unless absolutely necessary because of Plaid. And I certainly agree that one should not use them as the sole hub. But because I have a second hub with regular linking and free outgoing wires, Primis is useful for its incoming wire reimbursement feature.

Eric 🔗
Eric 🔗 (@guest_2038838)
April 5, 2025 19:19
  RM

I’m just curious, what is the 2nd hub that you use?

RM
RM (@guest_2038868)
April 5, 2025 20:53

Eric 🔗 CIBC Agility. Free wires, unlimited linking, good APY, and you can couple it with a regular checking account with paper checks.

And you can also do intra-bank transfers to family member accounts by phone (this is also true of Primis). Banks like Capital One and Discover do not allow this, which is super annoying.

Eric 🔗
Eric 🔗 (@guest_2038869)
April 5, 2025 20:55
  RM

RM,

Now you made me feel bad about closing my CIBC Savings account years ago. 🙁

midas89,

Do you mind sharing the positive and negatives on CIBC as a hub as I’m 99% sure that you have knowledge of it?

midas89
midas89 (@guest_2038904)
April 5, 2025 22:29

Eric Yes indeed, I considered CIBC during my hunt for as-close-to-perfect-for-my-needs-and-desires Hub Bank. I found CIBC’s monthly ACH transfer limit of $250K too low for me personally, however, it is absolutely a great limit for a lot of people. Last time I checked, they allow $125K daily, and $250K maximum monthly. Back when I checked, it was 20 externals total, but I saw RM write it is unlimited externals, so obviously things changed for the better.

Last time I checked, the hold time after the new-account probationary period ends was 3 business days, which is better than CIT’s, of course. If your account is new, the hold time is considerably longer, unless that policy changed. I do not remember how long they consider an account to be new, but hopefully it’s not the excessive 90-days Roger forces.

So, for the most part, I have nothing negative to report about CIBC as a Hub Bank.

RM
RM (@guest_2038917)
April 5, 2025 23:32

midas89 Eric 🔗 I should clarify that I assumed that there was no linked account limit at CIBC because I have not seen one in the terms and I have not hit 20 linked accounts. It’s possible that it’s still 20.

Eric 🔗
Eric 🔗 (@guest_2038984)
April 6, 2025 07:09
  RM

midas89 RM

I just checked and the account is currently at 4.21%. That’s decent but still lower than LCB. I have the following questions.

#1. Do they credit interest for deposits initiated on their website right away like LCB, PenFed and LOB does?

#2. Do they offer next day pushes? If so, are the funds removed immediately like with LCB or not until the next day like AAB?

#3. midas89 mentioned their monthly limit. What is their daily and weekly transfer limits?

#4. Any negatives that bother either of you?

RM
RM (@guest_2039001)
April 6, 2025 08:09

Eric 🔗

(1) No, interest is not credited until the money arrives. Annoying, but I am usually moving small enough amounts by ACH that it’s not a lot of lost interest. Large amounts get moved directly by wire.

(2) Funds are removed when the push starts. I have not paid attention to see whether they are always next day, but they usually are.

(3) $125k daily, no weekly, $250k monthly.

(4) The issues you flagged in (1) and (2) are the most annoying, but there is no perfect hub.

Eric 🔗
Eric 🔗 (@guest_2039003)
April 6, 2025 08:21
  RM

RM,

You are certainly right about there being no perfect hub. However, I doubt that will stop midas89 and me for looking for one. 😉

vic torr
vic torr (@guest_2039055)
April 6, 2025 12:37
  RM

How do you send wires from CIBC Agility? I can’t find a way online.
TIA!

RM
RM (@guest_2039250)
April 6, 2025 18:18

vic torr Wires from CIBC can only be done by phone. I don’t mind because this way I know they won’t get flagged by the fraud department and held up.

Matt J
Matt J (@guest_2039109)
April 6, 2025 13:57
  RM

Curious, if you were starting today, would you choose Primis or CIBC if you were only picking one?

Slickdealer
Slickdealer (@guest_2039235)
April 6, 2025 17:56

I actually have used both Primis and CIBC extensively over the past couple of years.

CIBC is a much better hub because of higher transfer limits, allows you to link accounts via trial deposits, and more external account connections. Primis only allows you to connect to accounts through their buggy Plaid system, no trial deposit option.

The main advantage Primis had a couple of years ago was it’s APY was significantly higher than CIBC, however, now that gap has narrowed (4.35% APY for Primis Savings vs 4.21% APY for CIBC). If I had to choose between the two today, I’d pick CIBC as a hub if you plan on doing a lot of transfers with many linked external accounts.

Matt J
Matt J (@guest_2039241)
April 6, 2025 18:06

Is it true that CIBC offers free outgoing wires? Also, maybe CIBC being bigger and more established might remain competitive long-term whereas we’re not sure what Primis will eventually do?

RM
RM (@guest_2039253)
April 6, 2025 18:19

Matt J Can confirm that wires are free from your CIBC Agility account. Not free from other accounts, but other types of accounts are not worth having anyway.

Matt J
Matt J (@guest_2039254)
April 6, 2025 18:21
  RM

There’s a $200 bonus for their checking account. I wonder if it offers atm refunds.

RM
RM (@guest_2039256)
April 6, 2025 18:27
Matt J
Matt J (@guest_2039258)
April 6, 2025 18:35
  RM

Thanks! What is agility anyway? Their online only division?

RM
RM (@guest_2039262)
April 6, 2025 18:48

Agility is the online HYSA.

Matt J
Matt J (@guest_2039263)
April 6, 2025 18:51
  RM

One more question if you don’t mind. Last one I promise. How’s the mobile app? Easy to use?

RM
RM (@guest_2039333)
April 6, 2025 22:25

Matt J Happy to answer questions. No worries.

I have never used their mobile app. Hard to believe, I know, but I am from a generation that came of age before smartphones, and, while I use them, I prefer laptops and desktops.

However, I will say that CIBC’s website is rather clunky and old-fashioned. So I would be surprised if their app was particularly slick.

Slickdealer
Slickdealer (@guest_2039255)
April 6, 2025 18:25

I’ve never sent a wire transfer from CIBC. However doing a quick search, it looks like the outgoing wire fee is $30-$80 depending on the amount being sent. I actually don’t see any option to send a wire in my CIBC online banking portal, so perhaps the others that mentioned free wires know something that I don’t.

As for your second question, CIBC is definitely a bigger bank than Primis. I’ve had many issues with trying to link Primis to other banks and vice versa through Plaid and I think a lot of this has to do with Primis being a smaller bank and other institutions not recognizing them.

RM
RM (@guest_2039264)
April 6, 2025 18:51

Wires are only free if sending from the Agility account — but that’s the account everyone here would have anyway because that’s the HYSA. I’ve done many free wires, so am 100% sure this is true.

Wires have to be done by phone. No online option.

Slickdealer
Slickdealer (@guest_2039270)
April 6, 2025 19:12
  RM

Thanks for letting me know! Yes, I have the Agility account from back when they offered their promotion at the end of 2023. This is a big plus and something I’ll keep in mind going forward.

RM
RM (@guest_2039347)
April 6, 2025 23:01

Slickdealer By the way, I double-checked and the $30-80 wire fee is for CAD wires.

RM
RM (@guest_2039330)
April 6, 2025 22:21

Matt J That’s a tough one. If I had to pick one, I would pick neither and look for a third option.

They work well together because CIBC has free outgoing wires and high ACH limits, and Primis reimburses wire transfer fees for incoming wires. Neither is enough by itself.

Slickdealer
Slickdealer (@guest_2039369)
April 7, 2025 00:13
  RM

RM Any other bank accounts you’ve been looking at?

I’ve been using Primis and CIBC together as well for the past couple of years.

Just applied for an account at Roger which is currently under review. I know they have really low transfer limits, however at 5% APY, I’m willing to just push in funds using external accounts and use them strictly as a savings account with minimal withdrawals and transactions.

If I don’t get approved for Roger, I do have the elevated 4.5% APY with CIT savings as I’m currently doing their savings promotion. However, I have a grandfathered 4.4% APY rate with my Primis Checking so not sure if it’s worth me transferring everything over just for a 0.1% APY gain.

RM
RM (@guest_2039381)
April 7, 2025 00:52

Slickdealer I am definitely not any kind of an expert on hub accounts. You might want to look here: https://www.doctorofcredit.com/hub-accounts-ach-transfers-capabilities-fees-limits-across-financial-institutions/

My general MO is to not let funds sit at the hub for more than a month or two between bonuses, so I don’t feel like I need to squeeze every last basis point in interest out of the hub. I care more about customer service and being able to do what I need to do — and the Primis + CIBC combo has worked well enough for me.

Matt J
Matt J (@guest_2039374)
April 7, 2025 00:18
  RM

Ah ok! Bummer! Appreciate the information.

fdic
fdic (@guest_1989366)
January 21, 2025 17:14

Does anyone know if Primis provides the ability to locking/freezing the debit card?

At first I didnt activate it, thinking I will do that when needed. But if you dont they cancel it without any notice.

I called them and the agent told me there is an option right next to the + icon at the bottom of the home screen in the app. I see that icon, it looks like a card but when you touch it, it just provides the “Contact Us” info which is a bit weird.

PaulinTexas just fyi in case you have looked into it already, thanks.

PaulinTexas
PaulinTexas (@guest_1989380)
January 21, 2025 17:31

fdic Like you I didn’t activate my cards and they cancelled them. When I press the app “+” icon it shows Mobile Deposit, Transfer Money, Bill Pay & P2P. Not sure why you get a “Contact Us” when you press it. My guess is you have to have a DC to have the option to manage it.

fdic
fdic (@guest_1989390)
January 21, 2025 17:46

Thanks. I meant the one right next to the + circle in green, towards right of it. The icon looks like a card but below the icon it says Contact Us. The agent told me thats where all the options to control your debit card are.
After my card got cancelled, I ordered a new one just to have one handy and I activated it on Friday. The agent was also saying to give it some time in case the system hasnt realized that I now have an active debit card but it still is the same

PaulinTexas
PaulinTexas (@guest_1989403)
January 21, 2025 17:58

fdic I need to read more carefully. You did explain it well. Although it looks like a card it does say Contact Us under it…so yes, weird that it looks like a DC. Does the DC info show up anywhere on the app? Maybe the account it’s associated with?

fdic
fdic (@guest_1989408)
January 21, 2025 18:07

Thats cool. I ask you so many stupid questions that you have already answered 🙂

No, we couldnt find it anywhere on the app or the website so far.
I called them on Friday at around 1 AM and this agent was also the curious type and kept looking and looking as her documentation said they have this functionality, then she called me back at close to 2 AM as I told her I would be up for a while and said this is where it should be. I am guessing this is where it would be and that they havent implemented it yet and it is just a place holder.

I was wondering if the old interface (which I never saw) had it, like the ability to add beneficiaries, etc.

fdic
fdic (@guest_1983616)
January 12, 2025 01:42

Just FYI, make sure to activate your debit card as soon as you get it. This morning got a bunch of debit card cancelled emails as I had kept them aside and didnt bother to activate them

vic torr
vic torr (@guest_1983348)
January 11, 2025 12:41

What is the current rate for the Novus Checking accounts that has been past the 6-month promo?
TIA.

PaulinTexas
PaulinTexas (@guest_1983355)
January 11, 2025 12:52

vic torr 4.5% APY/ 4.1% APR

vic torr
vic torr (@guest_1983363)
January 11, 2025 12:58

you mean 4.41% Rate. It’s very nice that it is actually higher than all current checking and savings they offers!

PaulinTexas
PaulinTexas (@guest_1983384)
January 11, 2025 13:42

Sorry fat fingers – Yes – 4.41% APR

BankBonusChaser
BankBonusChaser (@guest_1989359)
January 21, 2025 17:05

PaulinTexas, can you check your Novus APY as mine dropped to 4.35% APY as of today, previously 4.5% APY? Not sure if it’s just me, so I am just double checking. My old savings account is still at 4.4% APY. Thank you.

PaulinTexas
PaulinTexas (@guest_1989374)
January 21, 2025 17:22

BankBonusChaser Yes, the base rate fell to 4% APY or 3.93% APR today. So, I’d move funds from an old Novus account to the 4.4% Savings or move it out to another savings account that pays more.

Their current 6% preferred rate is still in effect for those of us still in the 6-month promotion window…at least for now.

BankBonusChaser
BankBonusChaser (@guest_1989376)
January 21, 2025 17:25

Thanks! You’re awesome PaulinTexas

Matt J
Matt J (@guest_2039375)
April 7, 2025 00:19

Curious, what are your rates now?

Justanother dude
Justanother dude (@guest_1982327)
January 9, 2025 17:29

Effective 1/10: Premium Checking rate reduced to 4.31% / 4.4% APY.

BankBonusChaser
BankBonusChaser (@guest_1971799)
December 18, 2024 03:11

PaulinTexas, Shadowfx Shadowfx , fdic , jd , and OTHERS– Other than real DD, what type of DD did you use to qualify for the 6% APY. Thank you so much!

PaulinTexas
PaulinTexas (@guest_1972223)
December 18, 2024 19:33

BankBonusChaser I’ve used Schwab and Treasury Direct (TD). TD is my current DD.

fdic
fdic (@guest_1982577)
January 10, 2025 01:01

Sorry, missed your message earlier. I searched through this whole thread when I was setting mine up and saw DPs about these working
Schwab, Treasury Direct (both already mentioned by Paul), Fidelity brokerage or CMA and Chase. If I were you, I would use Chase as the last option but Bulba recently confirmed again that it works

Shadowfx
Shadowfx (@guest_1968519)
December 12, 2024 07:48

People who have done the novus promotion, how long did it take to update the APY to 6% on the app/website after DD? Thanks.

PaulinTexas
PaulinTexas (@guest_1968865)
December 12, 2024 16:22

Shadowfx If this is your first DD, the rate won’t update until the 16th, usually before noon, but NLT the end of day. Primis pays interest the 15th of the month & it shows up in the account on the 16th.

Shadowfx
Shadowfx (@guest_1970869)
December 16, 2024 15:47

Thanks! it did today