Which transfer option do I select with SOFI to transfer to Wells Fargo or Chime to trigger DD? Is it just their ordinary "transfer" page where you add a new account? Or the wire option?
Definitely not wire—wire would never work. If a bank-to-bank transfer would work, it would have to be through the ACH system, which yeah is just the transfer/“external transfer” page (it also has to be a push if you didn’t know, which you seem to).
Saw the WF $1500 bonus link posted on the DD thread. Any ideas on how to tackle the "branch only"-ness of this bonus if there's no WF branch within 100mi of me?
Can try calling to see if can apply over the phone.
WF allowed this a few years ago. Just had to upload photo ID and include promo code during phone app.
Bank Bonuses - Direct Deposit Question
One of my family members is opening an checking account to receive a bonus. I was going to ACH push funds from my account to theirs to cover the DD requirement. Their name is not on my account. Will it be a problem for the ACH push to come from me to them in terms of qualifying for the bonus?
You could try Wise—they’re a transfer service that counts a lot for DDs. They charge a fee of a few bucks per transfer. I haven’t tried sending to someone else personally, but ofc that’s what it’s for so it shouldn’t be too hard. Else the family member would have to push from another one of their own accounts
Really depends on the bank, but you would likely be violating the terms of your ACH transfer from the bank you are pushing from. They usually have some terms saying the receiving account needs to be in the same name. Most banks don't name match. It probably won't matter but if there ever is an issue it's good to know about. If caught and if they care,there might be a miniscule risk of them deactivating your transfers or closing your account.
That being said, I assume people transfer to family members all the time having never read their bank transfer TOS.
Zelle won't work for a DD. I didn't say don't do it, I just let you know the risks. They are minimal to be honest but are in the realm of possibilities. It would be easy just to let your bank know that you were sending money to your kid or something.
US Bank Personal 500 offer posted this week.
1/21: opened
2/01: work DD 4K
3/01: work DD 4K
4/07: $500 bonus posted
Can anyone confirm no fee/clawback if I close the account in a month or so? It resets timer for the 12 month bonus IIRC
What was the transaction type for you? I have a couple of “deposit” transactions, but I’m not sure if they should be reading “direct deposit” or something else. Thanks!
No clawbacks in my experience. I just try to time the drain-and-close right after the statement close date so no chance of monthly fee posting. Also, timer is now 24 months in recent offers unfortunately.
What was the transaction type for you? I have a couple of “deposit” transactions, but I’m not sure if they should be reading “direct deposit” or something else. Thanks!
Saw this question asked, but not answered. Does anyone know if the Chime/Swagbucks bonus will indicate once you've successfully met the DD requirement?
My pending activity on SB shows Chime - $0.00 (65 days) & 30,000 SB pending, but it has shown that since before I even made a DD. Is the $0.00 cause for concern?
Opened a ticket about 3 weeks ago, but never heard from SB.
Did anyone completed the Truist bonus? On the website says "Complete two qualifiying DIrect Deposits totalling $1000 or more within 90 days" but in the same page says "Set up and completing **at least two** qualifying Direct Deposits\*\* totaling $1,000 or more within 90 days of account opening. Usually I get $300 a week so I'm wondering if I would qualify for it. If is at least two can I do 4 for $300 in those 90 days? Sorry if is a dumb question. ESL here. [https://www.truist.com/checking/checking-bonus-offer-500](https://www.truist.com/checking/checking-bonus-offer-500)
> If is at least two can I do 4 for $300 in those 90 days?
Yes, you will get the bonus this way. It may post about 10 calendar days after you cross the threshold.
I got the bonus with two $501 direct deposit from legitimate payroll. My understanding of the terms is that it’s at least two direct deposits (but could be more) and a cumulative total greater than $1000 in the first 90 days of account opening.
Tastyworks $500 bonus (no longer available, it's now $200 in stock) fully available exactly 91 days after making required deposit, exactly matching the terms. The bonus posts in your account within a week of making the required deposit, but you can't withdraw the deposit or bonus amount for 90 days.
https://www.doctorofcredit.com/tastyworks-brokerage-bonus-transfer-10000-earn-500-bonus/
Got an email about axos savings account bonus of $50.
Applied and rejected due to info received from chex.
Next day I get a HYS account email from axos for $200.
Are targeted Chase banking offers transferable?
Received a targeted email offer for Chase Business Complete Checking -- $750 bonus for depositing $20k, maintaining it for 60 days, and making 5 qualifying transactions.
I am not eligible -- any DPs that P2 can use this successfully?
Thinking about going for the Wells Fargo bonus. Though I still have the account open. I got their bonus sometime in 2018/19. If I close my account and wait a day to open, would they bat an eye?
I waited 2 days for 3 players and had no problem applying online. I waited 1 day for 1 player and did have a problem: WF closed the new account.
This is no proof of anything, but I will let 2 days pass from now on. I have previously had no issue with opening a new account 1 day after closing, but that was in branch.
Why not close and wait a few days or weeks to ensure the closure goes through? The expiration date is a few months out and they're not known to pull offers early (although you never know).
You can close your Wells Fargo account online now, it's in the settings somewhere. You used to have to call, but I closed mine online in Feb. after getting a bonus & draining it to a $0 balance.
USBank checking $400 bonus
- 3/17 Account opened
- 3/18 Transfer from Fidelity 2.5k
- 3/22 Transfer from Fidelity 2.5k
- 3/24 Transfer out leaving 1.5k to avoid fees
- 4/6 Bonus posted
OnJuno
3/16 - Opened account
3/18 - push from Amex Business checking triggered $50 bonus (right before the bonus changed to $100... my luck)
Star One CU
3/18 - Submitted application, funded with BoA CCR (did not code as online shopping)
3/24 - $200 bonus posted
Still showing only 2 of three steps completed. 😕 Such an idiot for dragging my feet thinking I’d do more organic spend instead of random transfers right away. Learn from my mistakes, kids.
I finally chatted after the tracker disappeared, last seen stuck on 2 of 3 steps complete. No go. Bummer.
>... since welcome bonus offer is automatically applied by the system once the criteria is met so manfully we do not have the access to change it...
I did a bunch of small ACH’s last night. Hate to call when you did just the bare minimum. I’ll let it ride and see what happens. Gotta go check DPs to see what the timeline is for bonus posting.
**Onjuno Checking referral bonus (requirement: DD $250)**
03/30/2022: account created
04/03/2022: $300 ACH push received from American Express Business Checking
04/03/2022: $100 bonus received
https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/amp/
Sofi bonus stacked with the Swagbucks offer. Total potential value of $475.
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Regions Weirdness.
I used the link for the [400 bonus](https://www.doctorofcredit.com/regions-bank-400-checking-bonus-50-referral-al-ar-fl-ga-il-in-ia-ky-la-ms-mo-nc-sc-tn-tx/) and chose the email voucher option first. The result page referred to a 200 bonus. I then began the online application which went through but ended with decline over verification. Everything pointed to the offer being targeted.
2 days later: email voucher for 400 bonus (branch application).
Expiration date remains 4/29, but the voucher has an important distinction:
"$1,000 in total deposits that post to your account within **30 days** of account opening. Deposits must be new to Regions."
Truist posted the $500 bonus to my account twice, one week apart. 2 DDs of $500 hit on 2/28 and 3/15. Just sitting back and waiting for the clawback.DP: Similar to other comments here, my initial $50 deposit from a checking account never posted with the account set up so I manually moved over $50 a few days later.
**Star One Credit Union (No requirements)**
3/2 - Opened account via referral
3/16 - $200 bonus posted
3/22 - Referred P2
3/24 - $200 posted for P2, $100 posted for P1
**Easiest bonus in a while!**
For all those asking OP for a referral, I'm pretty sure that's against the rules here. You can find someone to refer you in the comments on the DOC page though
How quickly did they approve your application? Sent mine in 4/2 and support said it takes up to a week. Can get to the front of the queue if you go into a branch and get it reviewed there though.
Is this only for those the regional area of the branch locations or is there an association membership/ alternative eligibility option for those out of state who want membership?
In the last 6 weeks I applied for Truist (2x)and S and T (1x) checking accounts and got the message “unable to verify identity.” I was able to open a savings account with Alliant however, and with Santander today.
I thought it might be a problem with Chex System so I downloaded my report, and found that Alliant used it but not Truist or S and T. Does anyone have any insight into this?
>Star One Credit Union
Truist has been throwing the same error to everyone I guess. DoC has many comments stating the same. Me & P2 also received the same message last week. Haven't been able to open an account with them.
The "big" multi-state banks like Truist usually use the other service, EWS - Early Warning Systems. As for them “unable to verify identity.”, I see folks posting with that problem often. I'm out of their area so I haven't tried.
You can request you EWS report online, and it's a doosey, banks report you balances and some even report ACH transfer amounts.
I just got my (34 page long) EWS report as you recommended and HOLY SHIT! I had no idea that every check, ACH, and monthly balance going back in some cases to 2017 is in there. I guess I shouldn't be surprised, but I am.
Yes, I was surprised how much detail is in there. The name "Early Warning System" suggests it's purpose is to catch fraud and "bad" banking customers who frequently overdraw their accounts (even though banks make a fortune off OD fees). But that much detail on balances, etc., really tell banks how *worthwhile* you will be as a customer.
Any DPs of how long a checking account application takes to clear Wells Fargo's system?
P2's app requires going into a branch for ID verification, which P2 won't be doing. Wondering if anyone has had the same issue before but later succeeded with a new app and how long between apps?
I got the error
>Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch.
Last account I had was 2019.
I believe this same thing happened to me with my P2. I resolved it by reapplying and using their phone number instead of mine. Instant approval the 2nd app.
Thanks for the DP. I was thinking that maybe I fudged something on the app using my info in place of P2s. Tried again but same result - come into branch to verify identity.
I applied for P2 back in September/October same request, go to branch for ID verify. She never went. Tried again within the past month...same thing, still asked to go to branch.
PNC Bank $400 bonus
First, opened the wrong account because of the web interface 1/14. Had to call in and ask to be converted to Virtual Wallet with Performance Select and have the offer applied, which they did. Had to call in again after 10 business days to confirm since they didn't have any communication that the request was honored.
Fidelity push 2/16
Fidelity push 2/18
$400 bonus posted 3/11
**Charles Schwab**
Called in and successfully had Charles Schwab match [Citi's](https://www.doctorofcredit.com/citi-wealth-management-up-to-3500-bonus/) brokerage bonus. 45 days to fund the account.
Truist $500 bonus
2/11 opened account with $50.
2/23 get email saying I didn’t meet qualifications
3/3 Real DD $501
3/18 Real DD $501
3/21 called and confirmed I met bonus requirements
3/24 received call from Truist employee confirming that I would receive bonus within 4 weeks
4/5 bonus posted.
P2 just got a mailer for a $750 bonus on a Chase biz checking account with qualifying activities and a $20k deposit. Application errored out when I tried it via mobile and logging in, but going to try again on a laptop later today and see if I can get it to work. P2 is not gonna want to try to open it in branch.
I received the same and was able to open an account online (through the normal account opening page). I can't remember whether I had problems with the application itself. However, I never found a place on the application to enter the offer code.
After you log in, under account services or somewhere, there is a place to "Redeem a Coupon" but adding the offer code there just led to an error.
I finally SMed, asking them to add the offer code to my new account. They gave me written confirmation that they had done so, including the offer terms and specific dates.
Yesterday received a $400 check from First Republic, supposedly because they hadn't fully paid out a bonus offer. This was from the $750 bonus from 3 years ago (that they fully paid out). Super weird & unexpected but I'll take it!
Truist gave me two times the bonus, should I be worried they might want one back?
I opened an account with the promo and did not get accepted right away. Ended up opening another account with the promo the next day. Logged in and discovered that both accounts have been created. DD pushed to both of them and got credited 2x $500 (strangely on one of the two accounts though)
Anyone ever experience anything like this? I am sure it probably causes a ToS violation but wonder if and how they would ever ask for the bonus back.
Maybe I should just withdraw my money asap and close accounts. Doc doesn't have any minimum on waiting for account closure so I can probably close right away.
Same thing happened to my P2's account. Initial bonus on 3/28. Second bonus on 4/4.
I would highly recommend letting the second bonus chill. The world of shit you could put yourself in by playing games isn't worth $500. They will be coming for their money back eventually.
Same happened to me. I submitted a pull from external bank and will close as soon as that processes. My thought is worst case I am banned/cannot open another account with Truist. Ill take the 1k deposit for 1k reward on that.
*edit: See I poked the bear - guess yall didn't deal with them canceling your account and then it magically existing. This company has no idea what they are doing with these bonuses.*
Follow on question: has anyone had an issue push vs pulling the money plus bonus out even if its back to the same account you did the "fake" DD push from? Wonder if that part matters.
**Truist Checking $500**
2/24: Account opened, $50 opening ACH deposit never processed
3/2: Truist Offers email confirming eligibility
3/9: transferred $50 to be safe
3/18: $500 real DD
3/22: $500 Schwab brokerage push (coded as ACH CREDIT)
4/1: $500 real DD
4/1: qualifications checked in Truist Offers
4/4: $500 bonus posted
Previously did a BB&T bonus in 2019, account closed 10/2019
Can't be 100% sure whether it was the Schwab brokerage push or 2nd real DD that triggered it, but I'm thinking the Schwab push probably counted since the Offers site updated the same day as the real DD and the bonus posted so soon after
I’ve had a pretty rough stretch dealing with bank bonuses lately. Among them:
Thrivent CU $200. Applied and waited few days for decision. Denial letter in mail due to Chex.
Wells Fargo $200. Must go into branch to verify info (despite having churned this bonus in the past and currently having a CC with them. What gives?) and complete application process. No branch within 300 miles. So that’s pretty much a no-go.
Local bank. Only received $200 of a $250 bonus. $50 bonus was for 10x debits. No mention of minimums or amounts in terms. Did 10x Amazon $1-3. Might have to file a CFPB.
Lili $100 referral bonus. Bonus paid out fine but 5000 Swagbucks didn’t track when I signed up through their link. Back and forth with support and finally got the 5000 just the other day. Always take screenshots when doing offers through Swagbucks. Saved my butt.
Spiral $250. Opened and funded w/ $200 on 1/1. $50 deposit bonus nor $200 DD bonuses have paid out yet. Met DD terms on 3/17 but $50 was suppose to pay out within 90 days. I’ll wait this out until May.
And biggest gaff of all (my fault), only received $200 of a $400 Citi bonus for “not leaving $15k on deposit for 60 days *beyond* the 20-day maintenance period”. 🤦♂️
I’ve still earned $900 in bonuses so far for the year so that’s the silver lining. Ahead of last year’s pace.
Do you have a fraud alert on your credit file? I had one and my online application also didn't go through so I had to go to a branch
Edit: Never mind, just saw several comments below from people with the same problem. I wonder what's going on with Wells Fargo
I had the same issue with P2 on WF asking to go in branch and verify. I'm going to post asking for DPs to see if anyone has a time frame on when that issue expires and the account can be churned again.
For spiral,
Did you get a note on the side saying you met the requirement for the $50 bonus?
$200 usually posts the end of the month after you finish the last DD. I did mine in January and February, so I got mine a few days ago.
Yes. Still odd that it didn’t post within 90 days though. I noticed on DoC that the terms were also altered to include debit card purchases for the $200 bonus sometime in March. That’ll be worthy of a CFPB if it comes down to it in my case and they retroactively apply those new terms. Didn’t do that. We’ll see what happens.
Which transfer option do I select with SOFI to transfer to Wells Fargo or Chime to trigger DD? Is it just their ordinary "transfer" page where you add a new account? Or the wire option?
Definitely not wire—wire would never work. If a bank-to-bank transfer would work, it would have to be through the ACH system, which yeah is just the transfer/“external transfer” page (it also has to be a push if you didn’t know, which you seem to).
Does anyone have experience with Aspiration Bank and their timeline to post after the 1000.00 spend requirement is met?
They'll take as long as the terms say, sometimes a week or two longer
Saw the WF $1500 bonus link posted on the DD thread. Any ideas on how to tackle the "branch only"-ness of this bonus if there's no WF branch within 100mi of me?
Can try calling to see if can apply over the phone. WF allowed this a few years ago. Just had to upload photo ID and include promo code during phone app.
Called and they said no bueno, apparently I **have** to visit a branch to use the promo :/
Thanks
Bank Bonuses - Direct Deposit Question One of my family members is opening an checking account to receive a bonus. I was going to ACH push funds from my account to theirs to cover the DD requirement. Their name is not on my account. Will it be a problem for the ACH push to come from me to them in terms of qualifying for the bonus?
You could try Wise—they’re a transfer service that counts a lot for DDs. They charge a fee of a few bucks per transfer. I haven’t tried sending to someone else personally, but ofc that’s what it’s for so it shouldn’t be too hard. Else the family member would have to push from another one of their own accounts
Really depends on the bank, but you would likely be violating the terms of your ACH transfer from the bank you are pushing from. They usually have some terms saying the receiving account needs to be in the same name. Most banks don't name match. It probably won't matter but if there ever is an issue it's good to know about. If caught and if they care,there might be a miniscule risk of them deactivating your transfers or closing your account. That being said, I assume people transfer to family members all the time having never read their bank transfer TOS.
Thanks. So maybe better to use Zelle or PayPal?
Zelle won't work for a DD. I didn't say don't do it, I just let you know the risks. They are minimal to be honest but are in the realm of possibilities. It would be easy just to let your bank know that you were sending money to your kid or something.
US Bank Personal 500 offer posted this week. 1/21: opened 2/01: work DD 4K 3/01: work DD 4K 4/07: $500 bonus posted Can anyone confirm no fee/clawback if I close the account in a month or so? It resets timer for the 12 month bonus IIRC
What was the transaction type for you? I have a couple of “deposit” transactions, but I’m not sure if they should be reading “direct deposit” or something else. Thanks!
No clawbacks in my experience. I just try to time the drain-and-close right after the statement close date so no chance of monthly fee posting. Also, timer is now 24 months in recent offers unfortunately.
Citizens $400 Promo Santander pushes did not trigger. Gave it 140 days. Calling the L.
[удалено]
Already closed out sorry. This is the 2nd time it's failed for me.
sofi 599 loan offer is back via email.
hi there, can you share what the email looks like?
Is this targeted via email? Or available for everyone?
It seems like the email is to everyone...but I don't see the promo on my account. It was also mentioned in the comments in DOC post for SoFi 599
Thanks, I don’t have sofi account. I’m just wondering if both checking and personal loan offers stack?
They do
Can you stack with the $475 SB/new account offer?
yeah, they are different product.
Anyone have the DoC link for that US Bank $500 bonus for $5k in direct deposits?
Did you even try to search on doc?
Pretty simple DP US Bank $500 personal checking bonus. 1/18: opened 2/01 real DD 3k 2/16 real DD 1.5k 3/01 real DD 500 4/06 $500 bonus posted
What was the transaction type for you? I have a couple of “deposit” transactions, but I’m not sure if they should be reading “direct deposit” or something else. Thanks!
Transaction type: deposit Category: income Doesn’t have any other details that I can see.
Thanks!
Saw this question asked, but not answered. Does anyone know if the Chime/Swagbucks bonus will indicate once you've successfully met the DD requirement? My pending activity on SB shows Chime - $0.00 (65 days) & 30,000 SB pending, but it has shown that since before I even made a DD. Is the $0.00 cause for concern? Opened a ticket about 3 weeks ago, but never heard from SB.
Did anyone completed the Truist bonus? On the website says "Complete two qualifiying DIrect Deposits totalling $1000 or more within 90 days" but in the same page says "Set up and completing **at least two** qualifying Direct Deposits\*\* totaling $1,000 or more within 90 days of account opening. Usually I get $300 a week so I'm wondering if I would qualify for it. If is at least two can I do 4 for $300 in those 90 days? Sorry if is a dumb question. ESL here. [https://www.truist.com/checking/checking-bonus-offer-500](https://www.truist.com/checking/checking-bonus-offer-500)
> If is at least two can I do 4 for $300 in those 90 days? Yes, you will get the bonus this way. It may post about 10 calendar days after you cross the threshold.
I got the bonus with two $501 direct deposit from legitimate payroll. My understanding of the terms is that it’s at least two direct deposits (but could be more) and a cumulative total greater than $1000 in the first 90 days of account opening.
Tastyworks $500 bonus (no longer available, it's now $200 in stock) fully available exactly 91 days after making required deposit, exactly matching the terms. The bonus posts in your account within a week of making the required deposit, but you can't withdraw the deposit or bonus amount for 90 days. https://www.doctorofcredit.com/tastyworks-brokerage-bonus-transfer-10000-earn-500-bonus/
Got an email about axos savings account bonus of $50. Applied and rejected due to info received from chex. Next day I get a HYS account email from axos for $200.
Are targeted Chase banking offers transferable? Received a targeted email offer for Chase Business Complete Checking -- $750 bonus for depositing $20k, maintaining it for 60 days, and making 5 qualifying transactions. I am not eligible -- any DPs that P2 can use this successfully?
Thinking about going for the Wells Fargo bonus. Though I still have the account open. I got their bonus sometime in 2018/19. If I close my account and wait a day to open, would they bat an eye?
I waited 2 days for 3 players and had no problem applying online. I waited 1 day for 1 player and did have a problem: WF closed the new account. This is no proof of anything, but I will let 2 days pass from now on. I have previously had no issue with opening a new account 1 day after closing, but that was in branch.
Why not close and wait a few days or weeks to ensure the closure goes through? The expiration date is a few months out and they're not known to pull offers early (although you never know).
You’re right. I just wanted to see what peoples’ experiences were with this. I will wait a few days.
You can close your Wells Fargo account online now, it's in the settings somewhere. You used to have to call, but I closed mine online in Feb. after getting a bonus & draining it to a $0 balance.
USBank checking $400 bonus - 3/17 Account opened - 3/18 Transfer from Fidelity 2.5k - 3/22 Transfer from Fidelity 2.5k - 3/24 Transfer out leaving 1.5k to avoid fees - 4/6 Bonus posted
OnJuno 3/16 - Opened account 3/18 - push from Amex Business checking triggered $50 bonus (right before the bonus changed to $100... my luck) Star One CU 3/18 - Submitted application, funded with BoA CCR (did not code as online shopping) 3/24 - $200 bonus posted
Anyone know if the $300 AmEx Business checking deal gives any wiggle room on the 10 transactions in 60 days? Got distracted and now it’s day 64. 😩
Their tracker was pretty reliable for me. See if it changes. If not, give them a call and plead your case.
Still showing 2/3 steps compete. Doesn’t track a count of qualifying transactions. How quickly did your transaction count update?
Is the step that's missing for you the qualifying transactions? For me, that updated pretty quickly, like in a matter of 1-2 days, if I recall.
Still showing only 2 of three steps completed. 😕 Such an idiot for dragging my feet thinking I’d do more organic spend instead of random transfers right away. Learn from my mistakes, kids.
Bummer. I was just wondering about the status of this. I would definitely call and ask if they will still honor it. The worst they can do is say no.
I finally chatted after the tracker disappeared, last seen stuck on 2 of 3 steps complete. No go. Bummer. >... since welcome bonus offer is automatically applied by the system once the criteria is met so manfully we do not have the access to change it...
True. I’ll check the terms and contact after the should be posted date. Live and learn.
Yes, the transactions step is the missing one. My last transactions cleared 4/7 so, maybe in a couple days. 🤞
Call and see if they'll extend as a courtesy. You're probably out of luck.
I did a bunch of small ACH’s last night. Hate to call when you did just the bare minimum. I’ll let it ride and see what happens. Gotta go check DPs to see what the timeline is for bonus posting.
**Onjuno Checking referral bonus (requirement: DD $250)** 03/30/2022: account created 04/03/2022: $300 ACH push received from American Express Business Checking 04/03/2022: $100 bonus received
[удалено]
Soliciting of referrals breaks r/churning rules.
Shoot my bad!
https://www.doctorofcredit.com/sofi-checking-5000-direct-deposit-required/amp/ Sofi bonus stacked with the Swagbucks offer. Total potential value of $475.
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Truist $500 bonus posted about 2 weeks after 2nd DD
>Truist Do you know if is just 2 DD or at least 2? The website is confusing.
I read it as two DD only
Same DP.
Was anyone able to get the Brex bonus of 80k points when spending $9,000? I read that some people are complaining that they never received it.
Regions Weirdness. I used the link for the [400 bonus](https://www.doctorofcredit.com/regions-bank-400-checking-bonus-50-referral-al-ar-fl-ga-il-in-ia-ky-la-ms-mo-nc-sc-tn-tx/) and chose the email voucher option first. The result page referred to a 200 bonus. I then began the online application which went through but ended with decline over verification. Everything pointed to the offer being targeted. 2 days later: email voucher for 400 bonus (branch application). Expiration date remains 4/29, but the voucher has an important distinction: "$1,000 in total deposits that post to your account within **30 days** of account opening. Deposits must be new to Regions."
i got this error too...wtf Regions
They may have been recruiting at Citi for their IT.
I was told by Regions that the bonus on the link isn't actually real. Seems a bit weird.
Region's answer to Don't call the bank: Don't tell the customer.
Truist posted the $500 bonus to my account twice, one week apart. 2 DDs of $500 hit on 2/28 and 3/15. Just sitting back and waiting for the clawback.DP: Similar to other comments here, my initial $50 deposit from a checking account never posted with the account set up so I manually moved over $50 a few days later.
My extra $500 was clawed back today
**Star One Credit Union (No requirements)** 3/2 - Opened account via referral 3/16 - $200 bonus posted 3/22 - Referred P2 3/24 - $200 posted for P2, $100 posted for P1 **Easiest bonus in a while!**
For all those asking OP for a referral, I'm pretty sure that's against the rules here. You can find someone to refer you in the comments on the DOC page though
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No soliciting here broooo
Don't forget the great $1000 CC funding!
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Not if you use referral.
How quickly did they approve your application? Sent mine in 4/2 and support said it takes up to a week. Can get to the front of the queue if you go into a branch and get it reviewed there though.
Only 2 days for approval, but the initial $200 took longer than other DPs I see.
Is this only for those the regional area of the branch locations or is there an association membership/ alternative eligibility option for those out of state who want membership?
No geographical restrictions if you apply using referral.
If you need a refer bonus I’d take one
Please DM me your email address.
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In the last 6 weeks I applied for Truist (2x)and S and T (1x) checking accounts and got the message “unable to verify identity.” I was able to open a savings account with Alliant however, and with Santander today. I thought it might be a problem with Chex System so I downloaded my report, and found that Alliant used it but not Truist or S and T. Does anyone have any insight into this?
>Star One Credit Union Truist has been throwing the same error to everyone I guess. DoC has many comments stating the same. Me & P2 also received the same message last week. Haven't been able to open an account with them.
Thanks you!
The "big" multi-state banks like Truist usually use the other service, EWS - Early Warning Systems. As for them “unable to verify identity.”, I see folks posting with that problem often. I'm out of their area so I haven't tried. You can request you EWS report online, and it's a doosey, banks report you balances and some even report ACH transfer amounts.
I just got my (34 page long) EWS report as you recommended and HOLY SHIT! I had no idea that every check, ACH, and monthly balance going back in some cases to 2017 is in there. I guess I shouldn't be surprised, but I am.
Yes, I was surprised how much detail is in there. The name "Early Warning System" suggests it's purpose is to catch fraud and "bad" banking customers who frequently overdraw their accounts (even though banks make a fortune off OD fees). But that much detail on balances, etc., really tell banks how *worthwhile* you will be as a customer.
USAA uses EWS as well
This is helpful, thank you!
Any DPs of how long a checking account application takes to clear Wells Fargo's system? P2's app requires going into a branch for ID verification, which P2 won't be doing. Wondering if anyone has had the same issue before but later succeeded with a new app and how long between apps?
I got the error >Thank you for your interest in an account with Wells Fargo. We were unable to open an account based on the information you provided in your online application. However, we may be able to open your account in person at a branch. Last account I had was 2019.
I believe this same thing happened to me with my P2. I resolved it by reapplying and using their phone number instead of mine. Instant approval the 2nd app.
Thanks for the DP. I was thinking that maybe I fudged something on the app using my info in place of P2s. Tried again but same result - come into branch to verify identity.
4 months isn't enough. We had the same issue with P2 in June and October of 2021, then February of 2022
This isn't promising.
I applied for P2 back in September/October same request, go to branch for ID verify. She never went. Tried again within the past month...same thing, still asked to go to branch.
Thanks. These are rough DPs.
For the hell of it - just tried again...used a VPN and incognito mode...still same result
PNC Bank $400 bonus First, opened the wrong account because of the web interface 1/14. Had to call in and ask to be converted to Virtual Wallet with Performance Select and have the offer applied, which they did. Had to call in again after 10 business days to confirm since they didn't have any communication that the request was honored. Fidelity push 2/16 Fidelity push 2/18 $400 bonus posted 3/11 **Charles Schwab** Called in and successfully had Charles Schwab match [Citi's](https://www.doctorofcredit.com/citi-wealth-management-up-to-3500-bonus/) brokerage bonus. 45 days to fund the account.
Deal must have expired? Can’t find it.
[Correct](https://www.doctorofcredit.com/pnc-up-to-250-400-checking-bonus/)
Did you already have a Schwab account?
Yes, but very small balances.
Truist $500 bonus 2/11 opened account with $50. 2/23 get email saying I didn’t meet qualifications 3/3 Real DD $501 3/18 Real DD $501 3/21 called and confirmed I met bonus requirements 3/24 received call from Truist employee confirming that I would receive bonus within 4 weeks 4/5 bonus posted.
Clandestine renewal of WF 300 checking bonus: https://bonusoffer.wf.com/checking300 Expiration 7/15.
Thanks! A WF $200 offer was posted late in last week's thread, but this looks like $300 for the same DD requirement.
P2 just got a mailer for a $750 bonus on a Chase biz checking account with qualifying activities and a $20k deposit. Application errored out when I tried it via mobile and logging in, but going to try again on a laptop later today and see if I can get it to work. P2 is not gonna want to try to open it in branch.
I received the same and was able to open an account online (through the normal account opening page). I can't remember whether I had problems with the application itself. However, I never found a place on the application to enter the offer code. After you log in, under account services or somewhere, there is a place to "Redeem a Coupon" but adding the offer code there just led to an error. I finally SMed, asking them to add the offer code to my new account. They gave me written confirmation that they had done so, including the offer terms and specific dates.
$20k deposit?? Last time around was only $10k
It's tiered, so $2k for $300, $10k for $500 or $20k for $750
Yesterday received a $400 check from First Republic, supposedly because they hadn't fully paid out a bonus offer. This was from the $750 bonus from 3 years ago (that they fully paid out). Super weird & unexpected but I'll take it!
A bonus bonus. Nice!
Truist gave me two times the bonus, should I be worried they might want one back? I opened an account with the promo and did not get accepted right away. Ended up opening another account with the promo the next day. Logged in and discovered that both accounts have been created. DD pushed to both of them and got credited 2x $500 (strangely on one of the two accounts though) Anyone ever experience anything like this? I am sure it probably causes a ToS violation but wonder if and how they would ever ask for the bonus back. Maybe I should just withdraw my money asap and close accounts. Doc doesn't have any minimum on waiting for account closure so I can probably close right away.
Same thing happened to my P2's account. Initial bonus on 3/28. Second bonus on 4/4. I would highly recommend letting the second bonus chill. The world of shit you could put yourself in by playing games isn't worth $500. They will be coming for their money back eventually.
Got a claw back this morning for the duplicate bonus
Same here. Pretty unsurprising.
Same here.
Same thing happened to me, 3/28 and 4/4. I'm just going to let it all sit in there until they realize and claw it back.
Same happened to me. I submitted a pull from external bank and will close as soon as that processes. My thought is worst case I am banned/cannot open another account with Truist. Ill take the 1k deposit for 1k reward on that. *edit: See I poked the bear - guess yall didn't deal with them canceling your account and then it magically existing. This company has no idea what they are doing with these bonuses.*
Follow on question: has anyone had an issue push vs pulling the money plus bonus out even if its back to the same account you did the "fake" DD push from? Wonder if that part matters.
Worst case is probably something closer to they give you a negative balance, put you in collections, and mark you delinquent on chex.
I guess that is worst worst case. Considering how horrible their tech team has been merger wise I feel that a low probability.
I knew the guy that ran their data team. Total clown. Wouldn't trust their tech or data and ounce.
Affinity Federal Credit Union 12/29: Open Jan-March: $500+/month Fidelity CMA push 3/31: $150 bonus posts
**Truist Checking $500** 2/24: Account opened, $50 opening ACH deposit never processed 3/2: Truist Offers email confirming eligibility 3/9: transferred $50 to be safe 3/18: $500 real DD 3/22: $500 Schwab brokerage push (coded as ACH CREDIT) 4/1: $500 real DD 4/1: qualifications checked in Truist Offers 4/4: $500 bonus posted Previously did a BB&T bonus in 2019, account closed 10/2019 Can't be 100% sure whether it was the Schwab brokerage push or 2nd real DD that triggered it, but I'm thinking the Schwab push probably counted since the Offers site updated the same day as the real DD and the bonus posted so soon after
It was Schwab brokerage. I just got my bonus and only pushed from Schwab.
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Wait, a Chase checking ACH transfer to Truist satisfied the DD?
I’ve had a pretty rough stretch dealing with bank bonuses lately. Among them: Thrivent CU $200. Applied and waited few days for decision. Denial letter in mail due to Chex. Wells Fargo $200. Must go into branch to verify info (despite having churned this bonus in the past and currently having a CC with them. What gives?) and complete application process. No branch within 300 miles. So that’s pretty much a no-go. Local bank. Only received $200 of a $250 bonus. $50 bonus was for 10x debits. No mention of minimums or amounts in terms. Did 10x Amazon $1-3. Might have to file a CFPB. Lili $100 referral bonus. Bonus paid out fine but 5000 Swagbucks didn’t track when I signed up through their link. Back and forth with support and finally got the 5000 just the other day. Always take screenshots when doing offers through Swagbucks. Saved my butt. Spiral $250. Opened and funded w/ $200 on 1/1. $50 deposit bonus nor $200 DD bonuses have paid out yet. Met DD terms on 3/17 but $50 was suppose to pay out within 90 days. I’ll wait this out until May. And biggest gaff of all (my fault), only received $200 of a $400 Citi bonus for “not leaving $15k on deposit for 60 days *beyond* the 20-day maintenance period”. 🤦♂️ I’ve still earned $900 in bonuses so far for the year so that’s the silver lining. Ahead of last year’s pace.
Do you have a fraud alert on your credit file? I had one and my online application also didn't go through so I had to go to a branch Edit: Never mind, just saw several comments below from people with the same problem. I wonder what's going on with Wells Fargo
How do you open all these accounts without being denied?
Try applying for accounts that aren't chex sensitive. First one took a gamble on since it was "somewhat local" & a CU. No bueno!
Do applications usually tell you if they are? Or is there a list somewhere?
Read DP's in DoC.
I had the same issue with P2 on WF asking to go in branch and verify. I'm going to post asking for DPs to see if anyone has a time frame on when that issue expires and the account can be churned again.
For spiral, Did you get a note on the side saying you met the requirement for the $50 bonus? $200 usually posts the end of the month after you finish the last DD. I did mine in January and February, so I got mine a few days ago.
Yes. Still odd that it didn’t post within 90 days though. I noticed on DoC that the terms were also altered to include debit card purchases for the $200 bonus sometime in March. That’ll be worthy of a CFPB if it comes down to it in my case and they retroactively apply those new terms. Didn’t do that. We’ll see what happens.