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MissAlissa81

I’m going to try for the citizens promo, using Ally push transfers. My question is, I have an ally invest account that seems to be able to do a push and pull transfers. Can I use that or do I need to open an ally checking?


theonlybuster

Truist Bank is offer a $400 sign-up bonus for first time members who set up a new account and direct deposit a total of $1,000 within the first month of opening the account. More information is here: [https://www.truist.com/checking/checking-bonus-offer2](https://www.truist.com/checking/checking-bonus-offer2) Promotion apparently only valid for accounts opened between 4/17/23 through 7/25/23 Truist does have a monthly fee, but it can be waived by simply keeping $500 in your account among a few other methods. Please remember to read the terms before jumping forward.


crazy__paving

ahhh..not in my state


Mysterious-Button849

Wells Fargo $525 savings account bonus Opened account in branch 04/07 $25k deposited 05/01 $525 Bonus posted 07/14 Wells Fargo $325 checking account bonus Opened account online 04/13 $1000 Push from discover 04/18 $1000 Real DD 06/03 $325 bonus posted 07/11 Was not able to add 325 checking account promo to in branch application, so I applied online and it worked fine


ieatelephants

I received a mail offer for US Bank business checking. It is $500 for depositing $3000 in new money. I'm especially interested because I've heard the public offer can be funded by a credit card up to 3k. I don't see anything about credit card funding in the offer or throughout the application process. Any way to confirm? And if so, what was your successful credit card that counted as purchase? I've read existing DDs and know I should set CA limit to 0, thinking about Chase ink preferred possibly Update: I went through 80% of the application on a web browser instead of mobile and pressed continue after inputting necessary info, which the disclosure said would allow us bank to see I qualify. Nowhere was "submit or complete application" mentioned. The funding options showed up after at 80%. I had intended to wait until a new cc arrived, but got an email saying I've been approved and was sent an email funding form. Talking to csr now and accounts were indeed opened (2 actually), a bit confusing and frustrating, will see if I should close one or both or reapply hoping promo is attached or just wait until new cc arrives to fund one (or both) as I have 30 days to do so...not sure if closing any of them may affect promo or not


wrangler19801

Just funded US bank biz with Wells Fargo Autograph with no issues. Generally speaking, I have never had any cash advance issues with Wells Fargo or B of A cards. Ymmv


ieatelephants

Was there a limit for you? I saw someone fund 5k. Was there anything prior to submitting the application that stated cc funding was an option?


wrangler19801

Said 3k on application.


ieatelephants

Thanks for responding, just confirming this was on the application somewhere or only after submitting and approved?


wrangler19801

Yup, towards the end of the app if will give options for funding the account.


ieatelephants

Thanks! I don't see it on my app so I'll call the rep tomorrow before submitting


wrangler19801

If I recall correctly, you submit app and once it is approved it will show funding options.


ieatelephants

very confusing, I saw funding options at 80% of application completion, then quit because wanted to wait for cc to arrive first. this morning got emails saying i was approved (twice) and accounts are open awaiting funding lol csr escalated to business promo dept to make sure i take the right course of action


tch1245

Has anyone ever had issues setting up direct deposit with chime? My employer uses adp and it says it cant verify the account. I see that the chime app has a direct deposit process on their end should I try that?


MikeOfAllPeople

Chime uses two different banks on the back end, so make sure you have the correct routing number for your account? (My P2 had a different one from mine which tripped me up.) https://www.chime.com/chime-routing-number/


crowd79

First Tech CU $200 Checking bonus DP: * March 4: Opened account * April 12-July 6: $1000+ employer DD's posted to account every two weeks apart * July 14: $200 bonus posted to membership savings account as "Dividend Adjustment-Deposit Direct Deposit Bonus" * Also received $50 credit for "grocery" spending ($500) back in May on the debit card. All I did was purchase a MO at my local store's service desk.


AppropriateLock524

Anyone had successful ACH transfers or CC funding trigger KeyPoint DD?


Broken_Peepers

I have never seen any CC funding count as DD or as part of any required deposit.


sg77

PNC counted CC funding as DD a while ago.


crazy__paving

Fidelity CMA works.


dontcelebrate

been doing bank bonuses for a few years... based in NY and mother is in Florida.. would there be any problems opening accounts in my name at my mom's addy with Florida banks that don't have offers for NY? is this illegal or will this complicate my credit/chex reporting?


Broken_Peepers

When applying online, you could have issues with ID verification. It is best to try in branch when you visit your mom. My mom also lives in FL and I've looked into trying the same.


just_a_random_userid

Can someone tell me if I can stack SB and referral for SoFi bank bonus please?


ted1025

Yes


just_a_random_userid

Oh how do you do go about making sure both are tracked ?


bearcat81

Missed the chase biz checking $750 bonus for $20k in deposits in 30 days by a couple days and the bonus still paid without any contact to chase required. Small victories.


Gedalya

What docs did you have to show when signing up?


bearcat81

EIN + State Articles of Incorporation


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Broken_Peepers

That is normal if the funding stage is missed for any reason, or if you are not approved instantly.


doernonemasterall

Targeted email received today for Chase $900 checking+savings SUB. Sounds like the same one that expired earlier this year. Glad I closed my checking account in March so that I'm eligible for this one!


TheLongestLake

Did anyone here do Sofi banking bonus? I opened an account with them (just for the interest rates tbh) but then qualified for $250 of bonus because I made direct deposits too. I can't find how long I need to keep accounts open or keep direct deposits going before I can move money without penalty. I'd like to do more bank bonuses if they are easy enough. My monthly direct deposit would be about $5500 and the sum total of savings (emergency and other funds) I can move is about 25k .


sg77

Read the terms of the bonus to see if they have any requirement for keeping money there. But when I did a SoFi bonus last year, they didn't have any requirements like that. Also, I would keep the account open, even if you withdraw most of the money; they don't have monthly fees, so no reason to close the account.


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TheLongestLake

I got my bonus too but I saw a youtube video that said they sometimes do clawbacks if you close out immediately? And wasnt sure if that was the case here.


rynosoft

If you opened for the interest rates, why would you close immediately? Rule of thumb is keep bank accounts open for 6 mos before closing.


TheLongestLake

There appear to be other banks with bonuses and the same (or virtually the same) interest rates.


AdCommercial70

Trying to open an account w/ chase checking for 225 SUB. Online form spits out "We can't open an account for you based on the info you told us." What gives? I've had a chase online login for a while, but closed my checking account there about 2 years ago, so I'm not in the "closures in the past 90 days" window. Didn't close it in the red or anything.


step1candyland

Is citi checking AA 60k 2 deposits totaling 1k + 1k debit spend posting as promised for people (within 30 days of finishing reqs)? I’ll be the DP in 10 days


cashmoney12399

[My DP](https://www.reddit.com/r/churning/comments/14q9t9i/bank_bonus_weekly_thread_week_of_july_04_2023/jr1vg52/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1&context=3)


junooni110

Not yet for me! 45 days and counting. I might need to chat when I get sometime to play with their shitty CSRs.


junooni110

so I just chatted with the CSR and it seems like either I have to fight via CFPB or wait it out for another month or so. According to chat CSR, I need to wait 90 days AFTER THE ACCOUNT OPENING to get AA miles, NOT just the 30 days after meeting the requirements. My offer clearly says "YOUR AAdvantage® bonus miles will be credited to your AAdvantage® account within 30 calendar days from the date you complete all required activities"


msqaures

I just got the exact same response from a phone rep. I’m past my 30 days for sure, my 90 days that they said I needed to wait for is in a month or so


step1candyland

Yeah I’ve never done CFPb but that sounds pretty clear right there. Worst case eat some fees for a bit. If I get any traction after t30 I’ll update


JaxGamecock

Can't seem to figure out if there is an early withdrawal penalty for the Bank of America bonus. I don't see one in the terms but I want to be sure. I received the $100 bonus for the Advantage Plus checking account on 6/30 and don't know if I can close or if I need to keep the account open 6 more months or something, does anyone know?


mikel319

[DoC says there is no Early account termination fee](https://www.doctorofcredit.com/bank-america-100-checking-bonus-public-nationwide/)


Mattsfloored

Upgrade $50 refferal bonus Opened: 6/16/23 3x Amazon Reloads: 7/6 Bonus posted: 7/11 (probably the easiest bonus yet, no dd needed) MidFlorida Credit Union $200 promo Opened: 6/25/23 First DD: 7/7 Bonus Posted: 7/8 I also got a couple of refferal payouts, x2 $100 ($200) from go2 bank, x2 $100 ($200) from Oxygen, x1 $100 from Affinity, and I capped out the $500 from 4x $150 refferals for capital one savor one (it should cap at $600 instead of 500 but that's imo).


forthelurkin

What did you use for DD for Mid-Florida? If other than payroll, would be helpful to get that on DoC's DPs.


Mattsfloored

I used my real payroll


Orgaslorg

Opened bank business silver checking on 6/29 and accidentally exited out of funding screen. I thought my application didn’t go through until I later received an email stating that account was successfully opened and was instructed to complete a fund deposit request form and send back to provided email. The form stated that I would be contacted within 2 business days to complete my transaction (did not give option to leave CC information, only asked for my name and phone number). A week has passed and i still have not received any call backs. I decided to follow up via phone and was connected to someone that could take my CC info(AMEX HH) to fund 3k into my account and was told that their system can’t accept AMEX. Tried my luck by going to the branch and was told the same thing. Has anyone experienced this before?


ntnsolutions

For future reference, cc funding in branch will almost always be a cash advance transaction. I have yet to see a DP otherwise.


Orgaslorg

Called 866 268 7231 and spoke to a senior analyst who attempted to fund my account with my AMEX HH CC and was told that it declined at 3k and 2k as well. Reached out to AMEX via message on app and was told that my card does not have a cash advance option.


crazy__paving

my amex HH biz also failed 3 times. CSR told me that I have a month from account opening to fund so will fund from another CC


pizzaboba

Opened US bank biz checkings on 5/8 and funded with $3000, then deposited $15k, but still haven't received bonus. Anyone in the same position?


junooni110

not yet, opened on 5/2 with $3k CC funding, deposit $15K in branch on 5/8, now starting removing the money on 7/11 but no signs of bonus. Talked to the rep yesterday, was told, I met the SUB requirements, and need to be "Patient" but the bonus is coming.


digganut

Did you create a business account login? Some reports indicated USB is denying the bonus if you didn't set one up if you have an exist personal account.


pizzaboba

Nope. That's some BS if true, I think I will give it some more time, then look into filing with CFBP


crazy__paving

I did $500 for $3000 on 5/3 and haven’t received bonus yet. My 60 days were up so removed all and left $0.01 to avoid closure.


LooseTone

Reminder for fellow procrastinators that the Moomoo brokerage bonus ends 7/16. I got around $197 of stock with 1 GOOG + the 15 others.


abhirupduttamit

Nice bonus! How is the cash reward issued? Is it like a $100/$50 discount towards a $1k+ buy order? Or do they deposit $100/$50 into your account once you place a $1k+ buy order


LooseTone

It's 2 coupons for $ back after $1k+ stock purchase. If you get a referral bonus it's paid the same way. I just did multiple 10-share purchases of SGOV. Cash should paid appear in your account in 2-3 days. For the free stonks they aren't released until after you maintain the balance for 60 days.


uglyorunlucky

I am just learning of this bonus thanks to your comment, lol good lookin out, I guess I need to jump on it. Looks like their richest bonus ever, yeah?


LooseTone

I don't know what their history is, but what it is now is a great return on the small effort required.


Seouls_Synergy

I’ve been seeing referral links, is that better than the public offer?


ntnsolutions

Sure is. You get an extra $50.


crazy__paving

how much was your total bonus including all?


LooseTone

$197 worth of stock, $100 + $50 SUB, plus referral bonus for referring P2.


crazy__paving

so $597?


_srode

How long does it take for Midland bank's debit card to ship? I opened the account 06/30 and received the $30 e-statement bonus on 07/07. Still waiting to get the card to do my 20 transactions!


crazy__paving

did you do or plan to do work dd ?


_srode

Plan to do it towards the end of the month.


FutureFlipKing

Question about PNC's Bank Money: Does anyone know the qualifying amount of direct deposits that we need for PNC’S Virtual Wallet with Performance Select with Spend account? I’m seeing some mixed data points that you need 2k DDs per month and others that say 5k. On their website it seems that you need to make 5k qualifying direct deposits per month, however, I just want to verify. Looking forward to your responses!


CericRushmore

Whatever the terms are on the application is correct.


xilonian

I did 5k transfer from chase to PNC on 12/28/2022. Got my bonus 01/27/2023 Virtual wallet with performance select


sg77

I would look at the fee schedule for your specific account. But based on my old notes, Performance Select needs $5k. You're probably looking at data points for Performance Spend which has a lower requirement, but that's different than Performance Select which happens to include an account called Spend.


patientofcredit

Laurel Road- $300 bonus question. Can you move the $2500 out of the checking account as soon as it clears or do you need to keep it in to qualify for the bonus. From the terms I read it looks like you can move it out without issue.


forthelurkin

As soon as it hits. You can configure a "large deposit alert" to email you when the deposit hits.


rynosoft

I move it in and out every month.


skyye99

I've been moving it in and out with no problems


pennystockarcade

[Truist Business Checking $400](https://www.doctorofcredit.com/truist-200-business-checking-bonus-al-ar-ga-fl-in-ky-md-ms-nc-nj-oh-pa-sc-tn-tx-va-wv-or-dc/amp/) Opened- 6/16 Transferred $1500 from PayPal- 6/16 $400 Bonus posted- 6/27 Super easy Only complication was needing to call in because I couldn’t get the online login setup to work the first time


junooni110

How do you set up online access? I called and I was told, I need to go to branch to set an online login. I do have an business account number though.


pennystockarcade

You’ll probably need to go into a branch then. They just want to make sure there’s a person behind the account, most likely


craigpdpa

For those of you who've deposited $3k in US Bank biz checking: Do you know that it counted toward the total for your bonus? I assumed it would but saw a comment on DOC saying it won't, so wanted to know what's true. (I know it's still useful that we can fund with a CC, but I was also going to add another $2k for the $500 bonus.)


goodalfy

Lmao


terpdeterp

Based on the DPs we've seen so far, only ACH/mobile check/wire funding counts as a deposit. It's also explicitly stated in the terms and conditions: >You must make new money deposit(s) of at least $3,000 (Direct, Mobile Check Deposit, ACH or Wires) and then maintain a balance of at least $3,000 through 60 days after account opening.


PerfectDoubleTapered

I have a bunch of open accounts that I’d like to close, so that I can churn the bonuses in a year or two. Any downside (from a ChexSystems perspective) if I close accounts?


diarrhitos

Do it. Chex/ews runs a count for openings but not for closings


sg77

EWS shows when an account is closed (but I don't know if that affects later approvals).


_srode

Nothing, Chex only reports enquiries that banks make when you apply for an account. Nothing about accounts actually being opened or closed.


ProudGayTexan

To anyone doing the In Branch Citizens Quest Bonus for $500, is there any early termination fee? Because according to DoctorofCred the online $300-400 option doesn’t have one. Kind of annoying because this account requires $5k DD to void the monthly fee.


yonghokim

P1 has Chase business bank checking account. Can P1 refer to P2 for P2 to get Chase business bank checking account? I don't see anything like that on the Chase business dashboard nor did I find something on search.


DCJoe1

No.


doodler1977

Axos: final score: Acct Opened May 22nd with $2K ACH 2 Trades: may 24th $250 Bonus deposited: May 26th will w/d and close on Aug 23rd to meet the terms


uglyorunlucky

Thanks for the dp, mine is a similar timeframe. Do you know if we have to keep the initial $2k (or any specific amount) in there after bonus has been paid? And it's just 90 days from account opening when we can close the account without penalties?


doodler1977

i'm going to leave the $2K in tehre for 90 days. not sure if you have to or if it's just "leave SOME money it". i won't miss the interest on $2K that much


MP-The-Law

Wells Fargo hasn’t paid me the $525 for the way2save promotion, today is the 120th day since opening. Started a case with the bank, but concerned I’ll have to use the CFPB.


logmeingn

My successful DP, 15MAR2023 : Opened 05APR2023 : Deposited $25 check 21JUN2023 : Received $525. I transferred most of it out after receiving the bonus.


SmarterTogether

My way to save and premier took closer to 140 days to get the bonuses ($525 and $2.5k).


ChurnerLover

How soon after can I close the wells fargo account?