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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.

Michelle B.

Success. Not for the squeamish if you don’t like dealing with banks and manually approved applications. Because they took so long to open the account, too late in the month to setup a real DD (within 30 days of APPLICATION, per terms), I had to go ballistic with $250+ “DD’s”.

2/1/2022 Applied online
2/2/2022 Email request for docs via portal
2/11/2022 Phone con required to answer questions – Rep verbally ok’ed account.
2/15/2022 Had to speak them again to finalize opening, setup online banking, order debit & checks, etc.
2/15/2022 $494 Deposit in Checking / $5 in Savings ($1 fee) Citi Double Cash posted each as purchase
2/24/2022 Received debit card – Activated, and used once online for $1, just to prove it was ordered/received.
3/10/2022 Bonus posted as “Dep” $200 in Savings Share account

DD attempts made – Take your pick as to what looks better:
ACH Dep: FNAME LASTNAME TYPE: P2P CO: INVESTORSTRANNOW NAME: FNAME LASTNAME
(Investors Bk Chk)
ACH Dep: bluebird TYPE: EXCHANGE CO: bluebird
ACH Dep: FLastname TYPE: TRANSFER CO: Sofi Money NAME: FLastname
ACH Dep: fname lastname TYPE: P2P CO: Nearside NAME: fname lastname
ACH Dep: SCHWAB BROKERAGE TYPE: MONEYLINK CO: SCHWAB BROKERAGE
ACH Dep: FNAME LASTNAME TYPE: Transfer CO: Upgrade CRB NAME: FNAME LASTNAME
(Upgrade Reward Chk)
ACH Dep: Fname Lastname TYPE: ExtrnlTfr CO: First Tech FCU NAME: Fname Lastname (First Tech Chk)
ACH Dep: Square Inc TYPE: * Cash App CO: Square Inc
ACH Dep: WELLS FARGO IFI TYPE: DDA TO DDA CO: WELLS FARGO IFI (WF Checking)
ACH Dep: CAPITAL ONE N.A. TYPE: CAPITALONE CO: CAPITAL ONE N.A. (Cap One 360 Checking)
ACH Dep: 00000xxxx TYPE: TRNSFR CR CO: PENTAGON FEDERAL NAME: 00000xxxx (x = PenFed Chk Acct #)

I have no way to know for sure what worked though. Svy

Michelle B.

Also, just received a personal email from a staff member stating the bonus posted. “A $200 reward bonus has been successfully posted to your account.” I guess it’s a hands-on kinda place.

zeer0
zeer0

Michelle B. Schwab brokerage did not work for me. I got an email saying I received the $50 bonus but still needed to complete a DD for the other $150.

Gadget - Bank Bonus Geek

Well, at least they are giving you the opportunity to get it done. Since they are manually sending out emails they may be looking over the transactions? My P2 probably got away with it because they never heard of some of them… LOL. I think ones without the name tend to work better, but who knows?

Brian G.
Brian G.

DP: Closing the account, fee free after 90 days is infuriating. Call to close and was told that since I live within 30 miles of branch I must come in person (sounded like a made up policy). At branch they told because my account was then less one year old there is a fee. When I showed the fee schedule that said 90 days. They claimed it was 90 business days. Manager and I came to a compromise she will wait 90 business days close my account and mail me a check. I was also made to handwrite a letter requesting the close. Let’s see if I ever get the check.

I was polite and low key my interactions. They also refused to validate parking even though the website said that they do

Svy
Svy

Yikes! Which branch did you visit?

Brian G.
Brian G.

Bowman Branch at Braddock Metro Station

Svy
Svy

If others have to go “in branch” to close, there is a drive up window on Eisenhower Ave in Alexandria. I walked by there today, and it is functioning with limited hours. If closing there works, at least you wouldn’t have to pay for parking. The other office on Capital Hill sounds more painful to access.

Bertrand
Bertrand

Applied 2/22. Heard nothing until I received a denial letter in the mail today. The letter gives “excessive inquiries” as the reason for denial and cites both Chex and a credit report from an unnamed bureau. Prior to this application, my Chex numbers were: 1/1, 3/3, 8/6, 20/12.

Geo
Geo

I applied on 2/15 and it’s 2/19 now and I haven’t heard back (not a single email, checked spam folder). I checked the application status on their site and it says “pending” and no messages in the message center.

Any idea how long it takes for them to review your application?

Svy
Svy

20 days according to the comment that is literally adjacent to your comment.
See https://www.doctorofcredit.com/va-only-united-states-senate-federal-credit-union-200-checking-bonus/#comment-1333707

Geo
Geo

I’m more asking about first contact, that comment is talking about the full process from beginning to end, I’d like to know when they’ll even acknowledge that I applied.

zeer0
zeer0

OOS (VACC certificate), this took 20 days to get approved, and 3 separate calls! Giving me flashbacks to HSBC. Let’s see how DD’s go.

Michelle B.

Not sure how it’s going to play out, but the way it’s written, you only have 30 days from APPLICATION date to complete the DD. Also, the other two $25 bonuses are already expired (due 5-business days following application) by the time they opened mine & yours too. Guess we will see…

zeer0
zeer0

Michelle B. I’m going to be asking for the debit card portion of the bonus manually.

Svy
Svy

Pls post results of your request. To date, I have been to lazy, but if you get a good result, that may change. 🙂

Jack

What did you use for DD? zeer0
Hope that your bonus will post automatically without you calling them to manually apply

Jack

How did your DD’s go? What did you use? zeer0
Hope that you’ll get the bonus soon without asking to manually apply

zeer0
zeer0

Jack Schwab did not work. I moved on since it seemed like they were strict about it being in the first 30 days. I think they manually review DDs. I did get $50 for the other parts.

Mike
Mike

zeer0 By “first 30 days”, you mean after your application was approved and not when it was submitted? Basically, you didn’t have to rush in 8–10 days like others thought they had to do to meet the DD requirement?

zeer0
zeer0

Mike that’s a good question, I’m not sure. But this account took so long to be approved that if it’s the former then I had like a week to get it done.

Michelle B.

After two weeks, finally approved and account opened. Required calling to get them to open the account, as they would not ask questions over secure application portal or email. Limited hours for New Accts Dept required calling during the workday, which is painful.

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

P2’s Chex inquiry numbers (Denied)
1 mo = 2
3 mo = 8
6 mo = 14
12 mo = 26
24 mo = 45

So, there is a fine line between okay and not okay with a manually reviewed application. No hard pull – just Chex. Marginally Chex-inquiry sensitive, but these numbers are not counting EWS pulls or Fintechs that pull magical reports.

Checking account number prefix is 107000xxxxxxxx… x’s being your 8 digit member number, listed as your account number from the Docusign application. Also had to call to setup online banking – the ‘Enroll’ form online does not work. Error says entered info does not match acct info and to go to a branch.

Citi Double Cash $500 account funding pending as purchase as $494, $5 and $1 individual charges. They keep $1 for an opening fee, and the member share has the mandatory $5 that’s inaccessible.

A $250+ Direct Deposit for $150 bonus is required within 30 days, not $1,000 as listed above. William Charles