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BrownGuyChurning
BrownGuyChurning

Got charged $15 cash advance fee each for $5 funding of checking and $1 funding of savings with CIC. $200-$30 = $170 so still will take it and Chase was not willing to waive it even after escalating it with management.

Gadget - Bank Bonus Geek

Approved this month. Used P2 as eligibility, not ACC. Chex numbers (not counting Senate’s Chex pull)
1 mo = 1
3 mo = 3
6 mo = 13
12 mo = 25
24 mo = 47

P2’s Chex inquiry numbers (Approved) (not counting Senate’s Chex pull) 2/2022
1 mo = 2
3 mo = 4
6 mo = 9
12 mo = 20
24 mo = 46

Past attempt P1’s Chex inquiry numbers (Denied) Using VA Chapter ACC. 11/2021
1 mo = 2
3 mo = 8
6 mo = 14
12 mo = 26
24 mo = 45

So, seems that the last 3 months are most important, keeping the inquiries somewhere less than 8, and 4 was ok. In VA, but way out of footprint. Took just over 1 business week for them to contact me, and then two days of back and forth to finalize the opening.

Jack

Any update, Mike ?

A
A

which credit card funding code purchase?

CardShark
CardShark

It is possible to join using the VA ACC certificate. It took about three weeks from start to approved application. Within a couple of days I was asked for what looked like a long list of verification, which I completed within 24 hours. A couple of weeks later, there was a secure message that went to spam. They wanted to verify the KYC questions about transfers in, transfers out, wires in or out, deposits, checks planned to be written, how often I travelled.
I actually travel down to DC from time to time, and even though they’re manually reviewing everything, they seem to be friendly in the interactions, so this account is a keeper for me.

Ostrich Rider
Ostrich Rider

How many chex inquiries?
P2 was denied a few months back for too many chex inquiries.

Jack

How did your DDs work out? Mike I hope that they don’t shut down people’s accounts like Teachers

Acid Bath
Acid Bath

William Charles Post needs to be updated. DD is 30 days, not 90. You have 90 days on the above in text, but a screenshot of the 30 days.
“Set up and receive a payroll direct deposit of $250 or more to your new USSFCU Senate Checking Account within 30-days of membership application.”

Mike
Mike

William Charles [Repost] I got approved OOS using a VACC certificate! To get your certificate simply use the promo code “USSFCU” on https://www.americanconsumercouncil.org/membership.asp which will enroll you into the Virginia chapter for free. They seem to take a few weeks to open your account regardless of where you live. They did a soft pull on Experian and pulled Chex. This credit union is not feasible for churning because they’re moderately Chex-sensitive and they manually approve each application, plus they also have an EATF before 90 (business?) days. Make sure to call after your account is open to order your debit card. I confirmed that the promo terms are referencing when your application is approved, not when it was submitted. Also, when submitting your application don’t mention you’re doing it for the bonus otherwise they might deny you for Chex. I got approved with 2/1 4/3 10/6 17/12 on Chex.

Jack

Holy shit. Congrats, Mike ! How many days did it take you from you first applied to the approval?
Hope that you’re still within the 30-day mark to DD.

Keep our hopes up, Gadget - Bank Bonus Geek FYI

Mike
Mike

Jack I applied April 19th, got conditionally approved May 6th, and received a DocuSign with my account number on May 11th. So it took 22 days from start to finish.
In reference to the 30 day DD requirement: https://www.doctorofcredit.com/va-only-united-states-senate-federal-credit-union-200-checking-bonus/#comment-1381193

Jack

What do you plan to use for DD? Could you please let us know what work for you later? Mike

Mike
Mike

Jack Planning on using Astra with memo “Payroll”. They seem to manually review the bonus and define DD’s as “payroll or government benefits”. Many have shown brokerage accounts do not work. I’ll let you know if it works.
FYI: William Charles

Jack

Thank you Mike for devoting yourself as a case study. I appreciate you.
We should cash app/venmo you to buy you a coffee! or Ko-Fi

Mike
Mike

William Charles This credit union is actually available nationwide and so is the offer. You just have to join the Virginia Consumer Council, a chapter of the American Consumer Council, and USSFCU gives you a promo code to use on the ACC application to specifically join the VACC for free. You’re allowed to join that chapter regardless of what state you’re in. More info here: https://www.ussfcu.org/about-us/join-us#who-can-join (last method)

OST

Previously applied OOS using this method but was denied

Gadget - Bank Bonus Geek

In-state, my Adverse Action letter was marked Excessive Chex inquires in TWO spots! What did yours say?

Mike
Mike

OST There are many reasons you can be denied an account. Were you specifically denied for being out-of-state? They are somewhat ChexSystems-sensitive.

OST

Never sent me an adverse action. Called and mentioned OOS and discouraging people that just wanted bonus. Ymmv imo

Gadget - Bank Bonus Geek

William Charles Chuck The $200 offer is back.