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Bertrand

I’m still waiting on an application submitted 1/16. My app isn’t showing up in the portal and I haven’t recieved any communication from the CU, and each time I’ve called all they will tell me is that they are swamped and that my app is still processing. I applied last year and was denied for Chex at 1/1, 3/3, 8/6, 20/12. This year I have similar numbers (0/1, 4/3, 10/6, 22/12) so I won’t be surprised if I get denied again, though it does seem some have been approved with similar numbers.

Olympia

Chase Ink cash advance

deca
deca

Was rejected in branch for CHEX, which is LOL. Thought applying in branch would help avoid CHEX issue, but it did not. 🙁

lilurbanachiever
lilurbanachiever

Called them a few days ago about a week after my app, had a little chat, signed some docusign. Now the app status says approval pending. Looks like my CC was not charged so my balance is -5. Gotta call them again just to check if I am fully approved and I guess no CC spent for me.

lilurbanachiever
lilurbanachiever

Called again, was approved, the CC processing required manual approval so I did get some spent out of this. Also, a CD can be opened only by phone after transferring funds in.

vc
vc

It’s ok. It’s only $500, but they do appear to let you fund another $500 for other accts once you’re a member.

Another DP
Another DP

Does anyone have any DPs if loading the Cash App works as a debit card purchase for the 5 debit card purchase requirements? Thanks!

My experience so far…

1/11: Applied online. Uploaded VACC certificate and DL. The app portal showed in Pending status for 1 week before they made first contact.
1/18: Received a message to upload VACC, DL and a utility bill (if I have not uploaded them already) 🙂 I replied by uploading a utility bill.
1/21: Requested a status update on application.
1/23: Received a message as well as a voicemail saying they needed to talk to me on phone. I called them and was asked questions about how I intended to use account (cash transactions, wire transfers, ACH transactions, etc.). They said to look for DocuSign email soon to sign the paperwork.
1/24: Received a call from them again. This time, she wanted me to walk me through signing of the DocuSign agreements while she was on the phone. Finished it while she was on phone and also set up online access. She processed initial funding, too. She confirmed the Promo Code on the account and asked if I wanted to open Money Market.
1/26: Opening deposits are processed and available in the accounts.

Olympia

I have a similar timeline and scenario. Called in 10 days after app to inquire. Rep went through the questions with me. A little later another rep called and did ID verification with me and told me she was sending docusign docs. Filled those out and using the account number, I created an online login. Funding did not go through (yet?). Rep did say that she would have to call me back.

It just seems like they do everything manually. Rather than having you fill out if you’ll be doing wires or transfers, etc. they take that info and then they process your verification. It seems like if they are slammed with applications it’ll continue to be a 10-14 calendar day process.

Ben

Received rejection letter via mail ~2 weeks after applying. Was rejected due to excessive inquiries on Chex.

Gadget - Bank Bonus Geek

How many Chex inquiries do you have in the last 3 months?

Ben

Don’t have the exact figures (as I have to request paper Chex reports) but my Chex is generally pretty bad 😂

Olympia

Ben sorry, that’s too bad. Did they contact you and ask for documents or call and have any questions? Or was it just the rejection in the mail. This one doesn’t seem like a slam dunk for those of us who do this regularly.

Ben

Olympia they actually requested docs on Jan 10 via application portal / message, which was two days after the date on my denial letter

Olympia

Ben adding insult to injury.

Bertrand

Was there a Chex score or something similar included in your letter? I recall that there was a score in the denial letter I received last year.

MoreSun
MoreSun

Don’t bother uploading docs in the application. I uploaded all 3 docs they asked for and a few days later they messaged me saying in order to complete the app I need to upload the 3 docs…

Gadget - Bank Bonus Geek

I’ve had that happen before. In my case, you just have to tell them to go look for them. They make the assumption you haven’t uploaded them yet.

Olympia

I did that and also just reloaded them. I’m wanting this one to be done with.

When you check your documents it doesn’t show anything is there even after you add them.

DaBrain13
DaBrain13

same for me. applied last Monday, got message today saying “upload” the documents (I had already done so) both during the app itself and after submit since it didn’t show the docs. Notably the message does say “if you haven’t done so already.”

Olympia

Right, I Just did it again thinking the fewer interactions I have the better.

I haven’t had any other messages. I checked just now and it shows no applications. I feel like they kind of don’t have their act togeter but I don’t really want to poke the bear in case it actually does work out.

MoreSun
MoreSun

I had actually already joined American consumer council years ago for another bank thing. When I put the app in with ACC VA I never received a confirmation. Put a new app in today using a different address and email and got my cert instantly, I’ll make sure to use the same email with the bank.

Gadget - Bank Bonus Geek

Might be a fluke. I signed up twice the other day 15 mins apart to prove a point at two different ACC links and got both of them sent to the same email address, with different member numbers. Plus, I signed up a couple of times over the years. I am collecting the certificates like other people are hoarding the $900 certificates at Chase.

Should take about 10 minutes to get the cert. Even after hours. Check SPAM folder, and if not there, resubmit.

MoreSun
MoreSun

“I am collecting the certificates like other people are hoarding the $900 certificates at Chase”
I’m dying 😂

Novacat05
Novacat05

Got a call today, applied a week ago. They asked very nosey questions: will I be dealing with cash, will I be doing wires, will I be doing ACH transfers, how much(under $1k, $1k-$3k, etc)

I Answered questions then they said keep on lookout for versign type emails when approved, but couldn’t give an exact timeline.

I had uploaded driver license on the application portal shortly after applying.

Novacat05
Novacat05

DocuSign email came today, 1/23, seemingly approved

Novacat05
Novacat05

Successfully created online login with member # contained in application I just signed. I was able to get in and see checking and savings accounts. eStatements already enabled.

$500 funding showed up on Fidelity CC after creating login(3 transactions, $1 for membership fee, $5 for Savings, $494 into checking). Hopefully codes as purchase, I will provide update. Trial deposits en route and first $250 DD will hit on 2/3.

Also the terms are clear about having only 30 days(from opening, up to 45 days from application) for the 5 ($5 min) debit transactions. Hopefully debit card comes in mail soon.

The $100 for putting $2k in money market acct terms clearly state you have 60 days, so I’ll wait for opening dust to settle before opening that up.

Looks like I’m well on my way. Took 6 business days to get to here, 10 calendar days(two weekends and MLK day)

Olympia

Thanks for sharing your timeline. I applied on 1/16 and didn’t see app online. Called and uploaded some docs. Online checker still shows no applications in 90 days. Hopefully something will move soon.

Novacat05
Novacat05

Fidelity 2% CC coded as purchase!

Cha-Ching when it comes time to open money market account shortly….

NDrew
NDrew

I applied on 1/9 and just called to check my application status. I just realized that I’d been receiving emails about documents that I need to upload, but they looked really spammy in my junk mail so I ignored them (they’re from messenger@loanspq.com and said “you have a new message!”

The rep that I spoke to asked if I’m aware of all the financial accounts under my name. That was awkward…

Olympia

NDrew what was the outcome?

NDrew
NDrew

After I uploaded the documents, I received a secure message that I needed to call and answer questions. They just consisted of how I would use the account and now I’m waiting for documents to be sent to me to sign. So it sounds like it might be ok to have multiple other accounts.