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2 Good 2B
2 Good 2B (@guest_2019421)
March 8, 2025 16:39

 William Charles

Just received mailer for $400 Bonus (I did last UMB bonus in 2023) Expires 4/15/2025. Requires unique promo code from mailer.

https://more.umb.com/400ck2025/

Instant approval.

mothman69
mothman69 (@guest_2019622)
March 9, 2025 10:05

I doubt they’ve changed, but hopefully they still don’t enforce this anti-churning statement: Customers who have previously opened a personal checking account and received a special offer or promotional bonus are not eligible for this promotion.

It also appears that you can open in-branch without being targeted with a mailer: …or mention this special offer when opening your new account at a UMB branch.

Gadget - Bank Bonus Geek 🔗
Gadget - Bank Bonus Geek 🔗 (@guest_1838537)
May 1, 2024 18:29
2 Good 2B
2 Good 2B (@guest_2019423)
March 8, 2025 16:42

Just got a mailer for new $400 bonus with unique promo code required.

https://more.umb.com/400ck2025/

Fine print mentions acquisition, and excludes those banks from bonus:
“UMB Bank acquired HTLF Bank on February 1, 2025, and its 10 former divisions now operate as divisions of UMB Bank. This special offer is not available at these banks: Arizona Bank & Trust, Bank of Blue Valley, Citywide Banks, Dubuque Bank and Trust, First Bank & Trust, Illinois Bank & Trust, Minnesota Bank & Trust, New Mexico Bank & Trust, Premier Valley Bank, and Wisconsin Bank & Trust.”

agooce
agooce (@guest_1809427)
March 6, 2024 23:42

Capital One 360 push works!
P2 only did C1 pushes and the bonus has posted. My earlier comment showed that C1 coded as “Credit – Check”, but I wasn’t sure if it worked then. aagooce

12/05: Opened account
12/26: $999 C1 push
01/23: $1502 C1 push
03/05: $400 Account Bonus

Q-Tip
Q-Tip (@guest_1808706)
March 5, 2024 22:53

11/30: Account Opened
12/04: Had to talk to customer service to get online banking working for some reason. But after that it worked fine.
12/07: Pushed $2500 from Elements Financial. It showed as Credit-Check, which according to DPs on DoC seems to mean it worked as a DD.
03/04: $400 bonus received

I also did roughly monthly pushes of $275 from Elements to avoid the service fee. All in all a mostly painless bonus.

Eric V
Eric V (@guest_1802030)
February 23, 2024 11:18

Well crap. Opened 11/24/23. $2,501 push from Fidelity Cash Management account on 12/6/2022. 90 Days since opening lapsed yesterday and nothing so far.

Although while I opened the account on 11/24, the transaction history reflects the “Digital Account Opening deposit Confirmation” as posting on 11/27, so maybe I actually need to wait a few more days?

mothman69
mothman69 (@guest_1802088)
February 23, 2024 12:43

They have up to 30 days to pay once you hit 90 days, but usually pay out within 1-2 business days. It might post later today or on Monday.

Eric V
Eric V (@guest_1803767)
February 27, 2024 11:39

You were right. Bonus posted 2/26

hardy
hardy (@guest_1796093)
February 10, 2024 14:00

Opened 1st nov. then ran Real DDs in november. Bonus posted on 31st Jan.
Pretty easy bonus.
thank you all & thank you Doctor.

DP719
DP719 (@guest_1795186)
February 8, 2024 16:48

11/06/23: Opened account
12/11/23: $2,500 from Treasury Direct
02/06/24 $400 bonus

Monthly $250 from Cap 1 to waive fee. I think Cap 1 would have also worked as DD.
Received prior bonus in 2020.

Jan Brigman
Jan Brigman (@guest_2021401)
March 12, 2025 13:54

Hi, I have a Treasury Direct account and have linked my bank account. I have not purchased any securities but did purchase an iBond when I initally opened the account. Will I be able to fund my account through my linked bank and then use those funds to meet the requirements for a DD? Treasury Direct intimidated me somewhat…confusing!

Shawn
Shawn (@guest_1791433)
February 2, 2024 15:14

Couldn’t open account online, had to open in branch. Teller mixed up my middle and last name from the start of the application through pulling Chex. Asked about all my inquiries, but let me open the account anyways (not lol, but was just started the churning game so I wasn’t keeping track). Also, said I didn’t need a promo code for the bonus, that the bonus just applied to certain account types.🤷‍♂️ Called the next day to make sure my name was fully fixed on the account and portal, ordered a corrected debit card, and confirmed the bonus code was applied to the account.

The Chex inquiry mistake broke instant reports and disputes through the portal. After a few calls I finally got someone to submit a request to fix the inquiry. They switched it to a “soft” inquiry and it fixed my access.

Also for the first couple of months UMB called to confirm every ACH transfer. They cancelled one when I was on a flight and didn’t answer their call.😂

Bonus posted on day 92 after account opening.

Shawn
Shawn (@guest_1791782)
February 3, 2024 02:30

Not sure why the data disappeared, but here it is again:
11/2/2023 – Opened account
11/20/2023 – $250X MoneyLink Push from Charles Schwab (brokerage account)
12/15/2024 – $25X MoneyLink Push from Charles Schwab (brokerage account)
1/13/2024 – $25X MoneyLink Push from Charles Schwab (brokerage account)
2/2/2024 – $400 bonus posted

Also, the bonus is listed as 2/1 in my transaction history, but definitely didn’t post until 2/2.

HM
HM (@guest_1789846)
January 31, 2024 16:48

Opened on 10/27
P1 Ally $2500, P2 Schwab Brokerage $2500 push. Both worked to get the bonus. Bonus posted 01/26

Tyler
Tyler (@guest_1789417)
January 31, 2024 05:28

P1 & P3 got the bonus today. P2 did not.
Can confirm that Ally does not count as Direct Deposit. P1 & P3 had payroll real DD, P2 had Ally

Tyler
Tyler (@guest_1790338)
February 1, 2024 08:57

NVM! ALLY COUNTS, P2 posted one day later even all were opened on same day

Shawn
Shawn (@guest_1791025)
February 2, 2024 00:13

When did you open your accounts? I opened mine on 11/2, so today is day 91 and my bonus didn’t post. Tyler

Shawn
Shawn (@guest_1791072)
February 2, 2024 02:19

NVM, my available balance just jumped up by $400. Not seeing a bonus transaction, but I assume it will post today.