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Steven
Steven

Opened September 2018 in Forest Grove Oregon.
Transferred $501 via
$10 transfer once a month to avoid fees.

The rep said that my $501 deposit did not qualify as a DD.
Keep in mind that I was DDing the same way monthly and never had a monthly fee.

I explained this to him and he suggested that I could close my account.

I did and I’m done with this bank.

Blah
Blah

Which bank did you use for $501 deposit?
Also, was it just 1 deposit or multiple small ones summing to $501?
Didn’t understand what you meant by “Transferred $501 via $10 transfer” …

DMitri
DMitri

DP:

Took a while but bonus finally posted.

2/21 – Account Opened – $30 funded (North Plains, OR *Friendly/Knowledgeable even though I was first promo user*)
3/14 – $501 pushed Chase
3/21 – $521 pulled Chase
4/18 – $501 pushed Chase
4/24 – $500 pulled Chase
5/03 – $501 pushed Chase
5/15 – $450 pulled Chase
6/16 – $100 Bonus Posted Dated 6/17.

No Service Fees

MMKT
MMKT

How does one push from chase

Superchurn
Superchurn

DP
Opened 2 accounts 11/1/17

Account1:
Legit DD on 12/29/17

Account2:
$500 from Discover on 12/28/17
$500 from Venmo on 1/3/18
$500 from CapOne on 1/29

Both bonuses posted 2/15/18!
Thanks Doc!

Vicky
Vicky

Looks like it was a soft pull, opened the account a week ago and still nothing on my credit report. Took almost an hour to open the account, banker said I was the first one to use that promo in their branch.

Vicky
Vicky

Oh I did decline overdraft protection, not sure if that helped me avoid a hard pull…

Superchurn
Superchurn

crazy huh? i still haven’t managed to get a DD into it yet. no DP on what banks count as DD on https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Columbia_Bank_WA_OR_ID

I guess i’ll have to be the DP and try some ACH’s

Have you tried any banks yet? I figure we can avoid duplicating effort if we split up banks. I’ll try CapOne and Discover and report back

Vicky
Vicky

I was just going to do payroll DD. Curious how you test if an ACH triggers the bonus. Since the bonus doesn’t post for 90 days, aren’t you taking a gamble that you’ll miss out on the bonus if it doesn’t work (i.e. if it didn’t work, by the time you figure out, it will be too late to meet the bonus requirements)? And if it does work, how do you know which bank triggered it? Happy to try and help if you enlighten me 🙂

Superchurn
Superchurn

you’re right in that its a gamble. payroll DD is safest for sure. I won’t be able to do a payroll DD, so I did a Discover ACH and a Venmo ACH. so far, no bonus 🙁

Superchurn
Superchurn

gonna try a CapitalOne ACH next…hopefully that works

Bev
Bev

did you ever get it?

Vicky
Vicky

Looks like deal has been extended to Dec 31, according to the link.

Superchurn
Superchurn

Wife opened an account today with this promo. Went much smoother this time. Reps are learning 🙂

Did all 10 debits tonight to waive the $5 fee…smooth as silk

Superchurn
Superchurn

Tried to open this today, and the local branch had no idea how to do it/where to put the code in the bank’s software.

Then, they enforced a “ID address must be current” rule, or you need to bring in a utility bill or something with your current address on it.

Will take a piece of mail in tomorrow to a different branch and try again

Jesse
Jesse

Which state are you trying on?

Superchurn
Superchurn

Oregon

Superchurn
Superchurn

Update:

Went to another branch to open the account today, and I encountered the same “ummm…what do we do with this code?” kind of thing.

Their branch employees are clueless about this promo. I had to walk them through it and tell them to call their corporate overlords to verify its legitimate.

They DID allow me to initially fund it with a money order, so that was a nice 2-birds-with-one-stone bonus at least

Foodie_lover
Foodie_lover

Thanks for the DP again! I am still debating if I want to go for this one or not…

Superchurn
Superchurn

yeah, i’d probably give this one a pass if i were to do it again. not enough money to justify the time spent

on the other hand, having another friendly place for MO deposits is always nice

Yoni
Yoni

Superchurn – Hey neighbor, might I ask which branch – the closet to me has a Kroger almost across the street. Would be great to slowly build up a MO friendly small local bank 😉 have good relationship at WF but looking to build a good fallback.

Superchurn
Superchurn

tried initially at the downtown branch on SW Broadway and Salmon. they were the clueless ones. then I went out to the Tigard branch and they were the ones who knew what was going on

you’re a PDX churner?

Jesse
Jesse

I’ll check it out. Luckily, my work lets me split my DD with zero hassle.Do you think “Offer is not available to those whose consumer checking accounts have been closed within 90 days or closed with a negative balance.” only applies to their accounts? I have a WF account closed 75 days ago.

Superchurn
Superchurn

I can’t imagine it applies to other banks…I’m not even sure they can access that information on Chex, but maybe

Gmoney
Gmoney

Did this last year. It’s a hard pull.

Gmoney
Gmoney

Actually, sorry…I confused this with Columbia credit Union. So please disregard or delete my comment.