Posted by William Charles on July 20, 2017
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Published on July 20th, 2017 | by William Charles

173

Trying To Work Out M&T QJ Eligiblity Requirements (Including Lots Of Data Points)

Introduction

M&T are offering a bank account bonus of $200, previously these deals were basically open to anybody but it seems they have cracked down on this and now not everybody is receiving the bonus. I thought I’d do some digging to try and find out who is/isn’t eligible. Some things to keep in mind:

  • Bonuses post quickly after a direct deposit is received, basically any transfer seems to work for a direct deposit. I don’t think direct deposit is playing a part in these changes as the other codes QC/QD are working fine. Still lots of reports of bonuses posting quickly, so if a direct deposit has been received and no bonus has posted within a few days I am considering that as the bonus not posting and that person not being eligible.

Data Points

Worked

  • CA: 1 (only DP of somebody outside the area getting the bonus)
  • CT: 1, 2, 3 (06902)
  • HI: 1
  • NJ: 1 (north NJ), 2, 3, 4, 5 (Central), 6 (08759), 7 (07601), 8 (Northern NJ (Hudson County)
  • MD: 12 (21040), 3 (Bowie)
  • NY: 1, 2, 3 (Ithaca), 4 (Manhattan), 5 (white plains), 6 (buffalo), 7 (Brooklyn, 11238)
  • PA: 1, 2, 3 (Lancaster PA), 4, 5 (19147), 6 (philly), 7 (Pittsburgh suburbs), 8 (philly)

Didn’t work:

  • “Eligible States” (CT, DC, DE, MD, NJ, NY, PA, VA, WV]):
    • CT: 1 (southwest)
    • DC: 1, 2
    • MD: 1, 2 (20785), 3, 4 (20901)
    • NJ: 1 (bridgewater)
    • NY: 1, 2, 3 (long island), 4 (10040), 5, 6 (queens), 7, 8, 9 (five boroughs), 10 (brooklyn), 11 (Manhattan)
    • PA: 1 (Pittsburgh), 2 (Pittsburgh)
    • VA: 1, 2, 3 (Hampton Roads), 4, 5 (22401)
  • Out of target area: 1, 2, 3, 4, 5, 6, 7

Conclusions

  • If you live in a state that M&T doesn’t have branches in, you won’t be eligible for this bonus. This means you need to be in one of the following states to have ANY chance of getting the bonus: CT, DC, DE, MD, NJ, NY, PA, VA, WV
  • Only the following states have had succesful data points: NJ, MD, NY, PA.
  • There are data points from some states were people have reported both success and failure, to me this means they are not targeting the bonus state wide. My suspicious is its based on how close you are to a branch OR how close you are to areas they have sent mail outs to. I think distance from branch is most likely. What kills this theory is datapoints like this.
  • Whatever you do, DON’T CALL THE BANK!! All you’re doing is alerting them to the fact you didn’t receive the mailer and aren’t eligible, possibly flagging the account or killing the deal for others. 

I’d love more data points from readers, especially readers who have successfully gotten the bonus and those who have been unsuccessful but live in NJ/MD/NY/PA. If possible please include your zip code or general area. Thank you in advance. Thanks also goes to to Yet Another Redditor for compiling the reddit data points and motivating me to write this post.



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LC
LC

Great feedback, this is why DOC is the best site in the business.

lingua
lingua

+1

and I think “Don’t call the bank” should be in large font on wesbsite margins. I’ve been cringing a lot lately with comments.

Adrian
Adrian

DoC’s current tagline – ‘Your prescription for healthy credit’ should be changed to ‘Don’t call the f@#$ing bank! OMG’

Michael
Michael

I live in MD, 20785. Used Schwab Brokerage and Venmo both.

Neither mine or my wife’s account got the bonus.

Stacy
Stacy

Hampton Roads, VA
Did not get bonus

DanV
DanV

I live in Maryland. M&T branch in my town. Direct deposit from government employer posted 7/14. This is my 3rd M&T account (one closed, one still open, plus this new account opened 7/12). No bonus.

Hanna
Hanna

Wisconsin checking in–no bonus

Mike
Mike

Did you get other bonuses to post? I’m also in WI

Hanna
Hanna

Oh yes, this is my eighth M&T account and it’s the first bonus that didn’t post. Of those, QC and QD have not expired yet – go for it!

J
J

OH – no bonus. Have received other M&T bonuses.

Michael
Michael

OH No, indeed.!

Phil
Phil

Pittsburgh, PA – No bonus

This is my 6th M&T account and the only one I have had troubles with.

Deb
Deb

What did you use as a DD? I’m in the targeted area and didn’t get the bonus. I think they stopped counting ACH from my local credit union as a DD.

SP
SP

To was my 9th account and I used a different code every time. The bonus posted same day ACH Push from Chase posted. ZIP Code 08882.

SP
SP

In NJ btw.

Jimbo
Jimbo

I live in GA. Did not get bonus but have gotten two others from M&T.

chuck
chuck

What codes did you use for the bonuses? In GA as well and haven’t hit bonuses yet.

Did you put in a NY zip code first on the link to the direct offer or just sign up normally and put in the code when it asked for a promo

Bryan
Bryan

Long Island, NY Did not receive

5th M&T account and first with a problem

Kemp
Kemp

San Diego no bonus posted

Joe
Joe

This may be a silly question, but my aunt lives in NY…. would I be allowed to sign up for their accounts and just use her address? I would have access to mail, etc. there through her.

Wong
Wong

Absolutely. As long as you reply to any information requested via mail, it should be fine.

LC
LC

i think this is illegal to say you stay at the address when you are not a resident but as long as she is aware of it and doesn’t mind then theres literally no way you would ever get in trouble.

Erik
Erik

Wife and I set up accounts in MN. No bonus.

Danny
Danny

Live in VA 22312, $200 push from chase checking, posted on July/18/17, no bonus posted till today.
Previously got bonus for $250 with a Premium checking, same $100 push from chase.

Wes
Wes

your DP is not completely clear to me. Did you get the bonus or not?

Bruce Robinson
Bruce Robinson

We live in Nevada-NV…no bonus.

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