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Ric
Ric (@guest_2091592)
July 3, 2025 11:25

After going through their “3 step application” which asked for more data than any bank app I recall in recent memory… I got a note the next day saying I’m denied for “Number of inquiries to other financial institutions.” They pulled ChexSystems and my “risk score” was 741.

eman
eman (@guest_2092425)
July 4, 2025 16:52

I got approved yesterday in branch with a chex score of 605. Sheesh.

RobW
RobW (@guest_2090590)
July 1, 2025 22:04

Acct opened: 5/6/25
Real DD $340 5/30/25
Real DD $340 6/6/25
Real DD $340 6/13/25
Real DD $340 6/20/25
Real DD $340 6/27/25

Bonus Posted $350 6/30/25
(1st statement that cut only had 1 DD on it or I probably would have received Bonus quicker….my Employer DD takes about 3 pay periods to add new bank)  

Josa
Josa (@guest_2090372)
July 1, 2025 16:29

I was approved but only after having to answer more questions over a longer period of time (more than a week) than any bank account I’ve ever opened. I haven’t received the bonus yet but today I learned that FirstBank doesn’t allow transfers to external banks, i.e. no outgoing ACH transfers. Your only option is to use Zelle if you want to transfer money from FirstBank to another bank account. Thus, once I’ve earned the bonus, I’m closing my account.

RobW
RobW (@guest_2090599)
July 1, 2025 22:14

I called about this and you can actually use the Bill Pay option to “Pay a Person” (they use the iPay Bill Pay system) and you just setup yourself as a Payee with it and do the Electronic Direct Deposit option, you input your other banks routing and account number and it works. I’ve been using it weekly to move money to my primary bank, each time it has only taking 1 business day to transfer as well. No fees either.

John
John (@guest_2089919)
July 1, 2025 09:48

Denied for Chex.

JackMiu
JackMiu (@guest_2082679)
June 22, 2025 13:51

What DD methods work?

Ninja45
Ninja45 (@guest_2081917)
June 20, 2025 17:40

DP: I was able to go into the branch and open the account with Chex score of 610. Was denied online a month back.

Ninja45
Ninja45 (@guest_2089802)
July 1, 2025 06:24

Account Opened: 6/20/2025
Real Employer DD: $1050 on 6/30/2025
Bonus Received: $350 on 07/01/2025

Neil
Neil (@guest_2080742)
June 18, 2025 20:30

Does it worth to visit a branch? I believe I’ll get instant denial if apply online.

James T.
James T. (@guest_2078606)
June 16, 2025 09:54

Got denied today after applying over the weekend. Chex score was 818 out of 899. What a joke.

dylan
dylan (@guest_2074660)
June 9, 2025 12:13

can someone verify is this hard or soft

S pollock
S pollock (@guest_2075651)
June 10, 2025 20:59

Wondering the same thing. Did you find it out?

Tom H.
Tom H. (@guest_2069051)
May 29, 2025 01:23

My wife applied online and was immediately rejected due to chex. I went in branch and was approved with no issues. My chex is about as high as my credit score (over 800). Wife will apply again in branch next month, will update.

Ninja45
Ninja45 (@guest_2080743)
June 18, 2025 20:36

Was your Chex unfrozen when you tried to applied in branch? Branch is 45 mins drive , so just wanted to see if it’s worth the drive with Chex frozen. Thank you!