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Cami
Cami

Has anyone had an issue getting approved again after closing an account after required time frames (90 days/2 years) to get the bonus again?

In
In

I’m a permanent resident in Wisconsin, I got “We can’t open an account for you based on the info you told us.”

Chase has rejected all my sign-up bonus applications for 4 years now. I don’t have issues with any other banks.

Richard
Richard

Should I DD $500 into the checking and keep it there until I close the account to avoid any fees? Is that the most efficient thing to do?

Gadget - Bank Bonus Geek

Whatever you need to do to avoid fees is the most efficient thing… Pick your poison.

Richard
Richard

What is the lowest DD amount that has triggered the bonus?

Gadget - Bank Bonus Geek

Be the data point you want to see.

Nicole
Nicole

I went to set this up last week, and it was denied due to a freeze on my credit report. I didn’t think a checking acct app would be affected by that like credit cards are. I unfroze Experian and tried again today. The direct offer link would not take me to the offer even though I used an incognito window for both application attempts. I tried incognito on a different computer, and the link worked. I got the account set up. Makes me wonder what the point of incognito is since it worked on the other computer.

das1996
das1996

Is there a way of tracking the promo progress using the website (pc browser) rather than the app?

Gadget - Bank Bonus Geek

Nope.

s
s

Is the offer gone? Opened in incognito and saw $200 for total checking or $100 for secure banking account…Is there another way to find the offer?

Gadget - Bank Bonus Geek

It’s still there. Try a different device or browser, private or incognito. Clear your cache. Try over cell network vs wi-fi to get a new IP.

Nicole
Nicole

I just read your comment after posting my own about finding the offer. A different computer worked for me.

Roy
Roy

Does Chase automatically waive the monthly fee for the first month of a new account? It takes time to set up transfers.

Will
Will

I am thinking the same thing! Not gonna fund the 15k to savings until I know for sure that the “DD” from elements goes through. If we do get hit with a monthly charge, one month won’t be too bad if it means $900 at the end.

DAMU
DAMU

So does a Federal tax refund direct deposited into the Chase account meet the requirement?

Gadget - Bank Bonus Geek

Don’t use accounts you aren’t keeping for the long haul for IRS or state tax refunds. Your future self will thank you when a stimulus payment comes out and you’re not waiting on a paper check.

Chase pays out the checking bonus within days of a direct deposit. Do you really want to wait weeks or months to get your tax refund, and then hope it works?

DAMU
DAMU

Gadget - BankBonusGeek dot com I’m trying to help my sister do the deal. She is a contract employee and her boss pays her with Zelle. She has no other way to trigger the direct deposit. I think it would be better to use her tax refund to trigger the bonus rather than not have the option to do the deal at all.

Gadget - Bank Bonus Geek

There will be recent DP’s soon on what counts as a DD. But, that’s their choice to try something that will take so long, and has a chance not to work anyway.

I would start with (any) credit union ACH transfer, and see if it works, over that option. There are so many ways to move money.

DAMU
DAMU

Gadget - BankBonusGeek dot com Regular ACH transfers from banks and credit unions no longer trigger a direct deposit with Chase. This has been thoroughly discussed.

Gadget - Bank Bonus Geek

I disagree. I know Elements FCU works for Chase. I am sure if one credit union works, I am certain there are others. Many credit unions use the same background services to move money.

https://www.doctorofcredit.com/chase-600-checking-savings-bonus/#comment-1461669

When people were having issues triggering Porte for the increased interest, I found a handful of banks/CU’s in my arsenal that worked. You just have to be willing to try things, or at least search the threads for DP’s. When Chase doesn’t have a minimum DD size, it’s a pretty simple task.

DAMU
DAMU

It looks like you successfully used Elements back in October. Many of the banks and credit unions that were working for Chase direct deposit triggers last year aren’t working now. I’m not sure I want to go and create new accounts for a bunch of banks just to test if they will work to trigger a DD.

MikeyBee
MikeyBee

Hey Gadget - BankBonusGeek dot com,

Your point is well taken. One quibble: Not that it changes the gist of your response, but to give our IRS friends and H&R Block their due, I’ve been getting my Federal tax refund in a week or so using eFile. BTW, I didn’t mean to cause you any grief, but the “dot com” pops up automatically when I search for your screen name.

Gadget - Bank Bonus Geek

I tend to wait until April to file, so yeah, my refund might be slower.

Jackalope
Jackalope

Gadget - BankBonusGeek dot com, Slightly disagree with you on this. You can split your federal refund into three direct deposits using form 8888. For the Covid stimulus payments, the IRS deposited into the first account on form 8888. You could use your “Hub” account (long term checking account) as the first form 8888 account and then you can safely use the other two as direct deposit triggers and not worry about closing accounts. For more info see the answer to D3 at this link: https://www.irs.gov/newsroom/questions-and-answers-about-the-first-economic-impact-payment-topic-d-receiving-my-payment

Hannah
Hannah

I did the checking bonus a couple months ago and got the $300, but I did not do the saving bonus. Do you know if I can get $600 if I do the saving bonus now?

Gadget - Bank Bonus Geek

“To receive the extra bonus: You must open the checking and savings account at the same time and complete all requirements above for BOTH the checking bonus and savings bonus.”