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Brad
Brad (@guest_1970034)
December 14, 2024 20:59

Funded account with $2,000 on Citi Double Cash – coded as purchase.

Matt A
Matt A (@guest_1963926)
December 4, 2024 13:56

Extremely Chex sensitive. I do live in service area.

I have had 2 inquires this year March and June. Quite a bit last year though, currently at 21 in the past 2 years.

Not worth the $100 for the Chex hit.

Master Allan
Master Allan (@guest_1963551)
December 3, 2024 18:28

Add +1 to the “beat it list” online experience. Live in the service area.
“Thank you for your interest. At this time your application has been denied”.
My Chex reported openings are 5 or 6 through 2024.

Matt D.
Matt D. (@guest_1963218)
December 3, 2024 10:48

Denied must be chex sensitive as other comments below say.

Phil
Phil (@guest_1963084)
December 2, 2024 23:09

They have a referral promotion going on as well. Referrer get $50 and new member gets $100.

https://www.westerracu.com/refer-a-friend

According to terms, the $100 that the new member gets via referral is the same offer as just opening a new account so they won’t stack.

Refer a Friend
This offer is valid from November 13 to December 31, 2024. To participate, individuals must be legal residents of the United States of America and at least 18 years of age. Referrers are required to visit the Refer a Friend site and complete on-screen referral form to refer friends, family members, or colleagues. Referred individuals must be new members to be eligible. Referrers may refer a maximum of one (1) individual per session and a total of up to ten (10) individuals throughout the entirety of the Program. Upon making a referral, the individual shall be designated as a “Referrer” and will receive subsequent communications regarding the bonus awarded. Referred individuals (“Friend” or “Friends”) must complete the referral process by opening either a Smart Money Checking or Money Market Select account during the promotional period. Eligibility Requirements: 1) A Referrer must be a member of Westerra in good standing. 2)Referred Friends must be at least 18 years of age and must be new members of Westerra. 3) Employees, officials, and volunteers of the Company are eligible to participate. Upon fulfillment of all requirements, the bonus will be delivered via a gift card 30 days after the new account meets requirements. To qualify for the bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be further limited based on account ownership. Friends are eligible to receive a $100 bonus for opening an account under the referral program. This is the same $100 bonus offered to all new members for opening a qualifying account during the promotional period; Friends are not eligible to receive an additional $100 for being referred.”

 William Charles  Chuck

Grasshopper
Grasshopper (@guest_1963067)
December 2, 2024 22:03

New members only with no existing accounts. Bonus terms need to be updated. Current bonus only requires opening a checking or money market account plus activate digital banking.

Dookie
Dookie (@guest_1963064)
December 2, 2024 22:01

Anyone know if it’s still Chex sensitive

reventon04
reventon04 (@guest_813743)
September 23, 2019 22:03

No hard inquiry, but definitely ChexSystems sensitive. Just declined my online application because of that reason

Mickey
Mickey (@guest_810085)
September 14, 2019 13:25

Tried it. Denied for too many chex inquiries. DOES pull chexsystems.

So does Citywide Banks, while I’m at it (tried at the same time and also got denied).

Roderick
Roderick (@guest_795151)
August 7, 2019 17:09

This is not a soft pull, it’s a hard pull.

Visited the branch near my house to ask about hard/soft pull. They told me it’s a hard pull.

Applied online. It was indeed a hard pull.

Funded 2k with Chase CC. Reduced cash advance limit to $100 No issues.

August 2019.

Roderick
Roderick (@guest_828834)
October 22, 2019 11:28

Followup on my earlier comment.

Hard pull. Had to call repeatedly (3x) to get the points added to my account and then cash out for $100. Chex sensitive. Not recommended, although the 2k in credit card funding was nice.