Subscribe
Notify of
guest

55 Comments
newest
oldest most voted

Eric 🔗
Eric 🔗 (@guest_1856907)
June 7, 2024 08:21

scott,

Did your bonus post yet? If so, how long after account opening?

Did you receive the bonus tracker email that H.P. described to me in the comment below? If so, when?

https://www.doctorofcredit.com/ok-ks-communication-federal-credit-union-300-checking-bonus/#comment-1810785

scott
scott (@guest_1856919)
June 7, 2024 09:09

Not yet. I expect, based on the”Bonus paid to Primary Savings within 90 days of requirements being met” term, that I should be credited some time mid-July.

Eric 🔗
Eric 🔗 (@guest_1857046)
June 7, 2024 13:34

H.P. reported that they received their bonus on Day 91. That’s why I was a little bit concerned. I did see that “90 days” in the terms so I will continue to wait patiently.

Did you receive the tracker email that H.P. mentioned? I did not.

scott
scott (@guest_1857099)
June 7, 2024 15:06

I did not receive an email like the one H.P. mentioned. Account was opened Mar 6, and I completed requirements Apr 23. I figure I’ll wait the 90 days before I inquire.

scott
scott (@guest_1881134)
July 24, 2024 08:23

Eric 🔗 – Bonus did not post by day 90 day. Sent SM to inquire about status.

Eric 🔗
Eric 🔗 (@guest_1881627)
July 24, 2024 19:13

I’m a little behind you but hopefully you have a good outcome.

Eric 🔗
Eric 🔗 (@guest_1892467)
August 13, 2024 13:18

scott,

What ended up happening with your bonus?

scott
scott (@guest_1892471)
August 13, 2024 13:28

I had to request reconsideration after I first inquired and was informed I hadn’t met the eligibility requirements because I was not enrolled in eStatements. Although possibly true, I provided an email indicating that I was enrolled and mentioned that I never received a paper statement in the mail. Within a couple of days the bonus was awarded.

Eric 🔗
Eric 🔗 (@guest_1892499)
August 13, 2024 14:07

scott,

I had to follow up by SM 3 or 4 times but they finally posted the bonus to my Savings account a few minutes ago. 😀

Are you going to keep the account open since the terms imply that it’s once per lifetime?

Eric 🔗
Eric 🔗 (@guest_1892509)
August 13, 2024 14:15

H.P.,

Did you end up closing your account or did you keep it open due to the once per lifetime terms (or some other reason)?

H.P.
H.P. (@guest_1892533)
August 13, 2024 14:55

Eric 🔗 My account with ComFed is still open. I keep a few hundred dollars in it. I’ll close it around December, one year from opening.

scott
scott (@guest_1892864)
August 14, 2024 09:13

I don’t have any reason to keep the account open. Will likely close soon.

Anonymous
Anonymous (@guest_1850996)
May 28, 2024 08:21

https://www.comfedcu.org/news/piedmont-checking-bonus/

looks to be reopened, but requires in person account opening in OK

Eric 🔗
Eric 🔗 (@guest_1813109)
March 13, 2024 14:20

H.P.,

Did you immediately withdraw the DD funds by pulling them using your external account, did you use the funds for BP or did you do something else?

I’m just trying to gauge how sensitive that they are on a scale from BMO (not sensitive at all) to Ameris (very sensitive).

H.P.
H.P. (@guest_1813174)
March 13, 2024 16:14

Eric 🔗 My DD from S.S. each month is $23xx and deposited by the 3rd of the month. Three calendar days after a DD was deposited, I transferred $2300 to Ally using ComFed’s Transfer option. No problems. Be aware that the transfer limits depends on the age of your account (30 days, 60 days, 90+ days). It can be quite low in the first 30 days. I don’t have access to my note at the moment. You can find out by trying to transfer out $2K or so and it’ll say You’ve Exceeded Your Transfer Limits and shows you what the limits are. The limits apply whether the transfer was initiated from ComFed or from an external bank.

Eric 🔗
Eric 🔗 (@guest_1813308)
March 13, 2024 20:14

H.P.,

This is an interesting and scary tidbit: “The limits apply whether the transfer was initiated from ComFed or from an external bank.” Can you direct me to where it shows that so I can see for myself? Do you know if BP is included in those limits?

H.P.
H.P. (@guest_1813342)
March 13, 2024 20:45

Eric 🔗 I could be wrong about the limits being applied to transfers initiated from an external bank. I just looked at the screenshot of Limits that I took on 2/5/24. Under External Transfers there are two categories: Outgoing Transfers and Incoming Transfers. Both of them could mean those inititated from ComFed. Since for me there was no need for me to move large amounts in or out before the limits get raised after 60 days to a pretty good level ($3K/day, $5K/week,$10K/month), I wasn’t really concerned about it.

I don’t know what you meant by “BP”.

Eric 🔗
Eric 🔗 (@guest_1813378)
March 13, 2024 21:11

H.P.,

Yes, that most likely means initiated from CFCU’s website. It is extremely rare for FI to limit transfers initiated from an external account. I might move some of the money out and do some BP, which stands for “bill pay”.

BTW, are you subscribed to receive comments by email in this post? If so, we won’t need to tag each other in the future.

H.P.
H.P. (@guest_1813381)
March 13, 2024 21:15

@Eric No, I’m not subscribed to this or any other DoC threads.

Eric 🔗
Eric 🔗 (@guest_1810378)
March 8, 2024 13:03

Any other ideas for the $10+ debit transactions besides normal spend, Amazon reloads and paying bills?

scott
scott (@guest_1811158)
March 9, 2024 14:04

I will likely make multiple transactions towards paying an insurance bill. However, I have found with at least one other bank in the past, I was able to use Cash app reloads to meet the multiple $5+ debit card transactions required to receive a higher APY.

Eric 🔗
Eric 🔗 (@guest_1811189)
March 9, 2024 15:13

I wouldn’t recommend risking this bonus with Cash App. What do you plan to use for the DD?

scott
scott (@guest_1811249)
March 9, 2024 17:52

Real DD.

Eric 🔗
Eric 🔗 (@guest_1810376)
March 8, 2024 13:02

I was never asked to fund my accounts or pay the $10 fee for the Cornerstone Foundation. Were either of you?

I am wondering if they simply will remove $10 if/when I move money into the account. Any idea?

scott
scott (@guest_1811156)
March 9, 2024 14:02

I also was never presented with the option of funding my account. These are the options I was given for funding:
• Download the CFCU Mobile App and use Remote Deposit
• Make a Transfer from another bank account through Online Banking or the CFCU Mobile App
• Call 405.879.5937 to funding[sic] by using a debit/credit card or bank account
• Visit a Communication Federal Credit Union branch near you

Mike
Mike (@guest_1811243)
March 9, 2024 17:22

How did you find out that joining OOS was possible?

Eric 🔗
Eric 🔗 (@guest_1811244)
March 9, 2024 17:25

I saw this comment from Mrs. Gee and then confirmed it for myself by checking their site.

https://www.doctorofcredit.com/contact-us/#comment-1806601

Eric 🔗
Eric 🔗 (@guest_1810372)
March 8, 2024 13:00

In the “Welcome” email that I received today, it showed “Our records show you did not request a Visa Debit Card when you opened your account. If you would like to request a debit card, please send us a Secure Message through digital banking or call 800.522.3535.”

I checked my print screens and I definitely did select a debit card. I just sent them a SM about this. Did your “Welcome” email also have this erroneous line? I wonder if this is the opposite of what happened with NASA.

Eric 🔗
Eric 🔗 (@guest_1810571)
March 8, 2024 15:30

It turns out that this is related to my funding question above. I was told that once the accounts are funded, the debit card gets ordered.

scott
scott (@guest_1811155)
March 9, 2024 14:00

I was informed of the same when I inquired about being sent a debit card, that I needed to fund the account first.

Eric 🔗
Eric 🔗 (@guest_1811188)
March 9, 2024 15:10

They told me that I could fund by credit card but after I called in to do that they told me that it failed so I just did a mobile deposit.

Andrew
Andrew (@guest_1761499)
December 19, 2023 17:28

Not able to be verified online. Rep said I need to go to branch, bummer, 4 hr round trip

Andrew
Andrew (@guest_1760285)
December 17, 2023 22:12

Anyone opened this account yet? Applied 12/7, message saying banker will contact me and nothing yet. Will be calling Monday or Tuesday

maui
maui (@guest_1757566)
December 13, 2023 13:02

suggestions for the 30 $10 card purchases? think we could just do amazon reloads of $10?

BOND
BOND (@guest_1755910)
December 11, 2023 12:12

Any ideas on for the DD requirement? Did not see any DPs yet.

Eric 🔗
Eric 🔗 (@guest_1810379)
March 8, 2024 13:04

BOND,

Did you end up doing the bonus in this expired post? If so, what did you use for your DD and did you end up receiving the bonus?

BOND
BOND (@guest_1810737)
March 8, 2024 18:37

I was traveling overseas and I never had a chance to do this offer.