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Eric 🔗
Eric 🔗 (@guest_1972985)
December 20, 2024 06:16

 William Charles,

I just checked and Affinity’s rate is down to 3.75%. It was 4% for a long time but you have 3.5% in the post. Also, I just noticed that the limit was raised at some point from $5K to $10K.

VeggieTable
VeggieTable (@guest_1562544)
February 23, 2023 15:22
Matt D.
Matt D. (@guest_1430792)
August 23, 2022 14:56

Opening account was slow, about a week or more before approval. Had to attach pictures of drivers license and SS card. Also, had to join New Jersey Coalition for Financial Education for $5 or something through their application status login. So not real straight forward, but easy enough to park 5K. Seems like there might have been some manual review during the process. I’m way OOS.

GH
GH (@guest_1415373)
July 26, 2022 14:57

Is there any withdrawal limit for this?

Amy
Amy (@guest_1415141)
July 26, 2022 02:00

This seems like a really appealing offer! I haven’t banked with Affinity CU before. Any reason to wait before applying to see if they have a bonus for opening a savings account with them?

MC
MC (@guest_1414937)
July 25, 2022 18:28

Great news!

Went through a dry run test of opening a minor account. The teen checking/savings are available, but suprisingly so is the Smartstart savings, and the funding page shows this:

Congratulations! Your accounts are almost open. Funding is required before the accounts can be activated. Here’s how:
By electronic check (also known as ACH) funds transfer to Affinity Federal Credit Union from your account at another financial institution (up to $12,500 on this application). A maximum limit of $2,500 for any combination of savings and checking products. An additional $10,000 will be available for certificate products.
By credit or debit card using Visa®, MasterCard®, or Discover® (up to $1,000 for new applicants or $50 for existing members).

Entering $995 does give the option for debit/cc funding, so it sounds like the $1k limit still applies for new members, including minors applying through a parent.

Corey
Corey (@guest_1414066)
July 23, 2022 18:05

Any DP for credit card funding by opening the SmartStart Savings as the very first account with Affinity ? Thanks folks !

jd
jd (@guest_1414116)
July 23, 2022 21:36

you can be the DP!
seriously, probably 95% of the people in this thread already have at least one if not multiple affinity accounts

Jeff
Jeff (@guest_1413909)
July 23, 2022 07:58

I tried to open this account on Thursday and got a message saying my application was pending. Then Friday they sent an e-mail asking me to upload a current pay stub. Seems weird for a savings account, anyone else have to do that?

Nudder One
Nudder One (@guest_1415347)
July 26, 2022 14:03

Yeah, I was asked for pay stub and utility bill. I’m not fussed. They’ll claim it’s to do with Patriot act and verification, and probably does have a fair bit to do with ‘know your customer’ rules.

ieatdogfood
ieatdogfood (@guest_1413805)
July 22, 2022 22:18

Has anyone done external push and pull with Affinity? How long does it take to push and pull (next day, two days, or three days?)

Aroldis211
Aroldis211 (@guest_1413846)
July 22, 2022 23:50

The pull is pretty fast next day.

Matthew
Matthew (@guest_1413860)
July 23, 2022 00:54

Next day. Their ACH is quite good.

MC
MC (@guest_1413881)
July 23, 2022 02:52

Usually next day for both…possibly same day if you get it in early enough

ieatdogfood
ieatdogfood (@guest_1413929)
July 23, 2022 10:00

Aroldis211 Matthew MC Thanks! I’m considering using it as a small hub in conjunction with ETFCU. The limits are very transparent too.

Is the smart savings limited to 6 withdrawals a month? I can’t seem to find the deposit agreement for savings.

ieatdogfood
ieatdogfood (@guest_1414059)
July 23, 2022 17:29

I chatted with the virtual assistant and it says 6 withdrawals per month BUT it is not being enforced because of the pandemic. Not sure if it still holds true.

I initiated trial deposits to link over half a dozen banks. Hope I don’t get flagged. They are very similar to SCU sharing a lot of the same backend third party systems. SCU is garbage though with only $10K external push/pull limit per month.

Aaron
Aaron (@guest_1413798)
July 22, 2022 22:09

Do they do an additional chex pull if we already have a checking account open?

Eric
Eric (@guest_1414073)
July 23, 2022 18:13

I just checked my file and when I opened my 2nd account no Chex pull occurred.