Chase Coupon Codes & Banking Sign Up Bonuses 2015: $125 – $600 In Bonuses

Chase regularly has coupon codes that allow you to earn anywhere from $125-$600 for setting up a Chase checking account, they also have saving account coupons that can earn you similar amounts. Below are a list of these coupons.

Quick List:

Here is a list of what is currently available

• Chase $500 combined coupon ($300 total checking & $200 savings): Available on eBay only, requires direct deposit
• Chase $450 combined coupon ($300 total checking & $150 savings): Available on eBay only, we’re also giving away 9 of these coupons shortly.
• Chase $250 combined coupon ($150 total checking & $100 savings: Available online here

Useful Posts on Doctor of Credit: 

• Find out if Chase does a hard pull when you set up a checking or savings account
• Find out what Chase considers a direct deposit
• How To Get Targeted For A Chase Saving Or Checking Account Coupon

Combined Codes

$600 Premier Checking & Savings Plus Code

[Not available publicly or via eBay]

• The $600 codes are actually two $300 codes bundled together, one is for the Chase Premier Checking and the other is for Chase Savings Plus. You can use either code separately ($300) or you can use both ($600) choice is yours.
• These are never publicly available, but it is possible to purchase them from eBay
  • These are currently not available from eBay, click here to see if there is any stock
  • They usually sell for $30-$50, anything under $40 is considered a good deal
• Requirements are as follows:
  • Checking Premier account:
    • Apply for and be approved for a Chase Premier Checking account
    • Deposit $100 within 10 days of account opening
    • Receive a direct deposit within 60 days of account opening
    • Bonus will be deposited within 10 business days of completing the above
  • Savings Plus account:
    • Apply for and be approved for a Chase Savings Plus account
    • Deposit $25,000 of new money within 10 days of account opening
    • Have an average of $25,000 in your account balance for 60 days
    • Bonus will be deposited within 10 business days of completing the above
  • If either of the accounts are cancelled within the first six months, the bonus will be clawed back
• Dates that this coupon has appeared in the past:
  • 9th March, 2014 – 25th April, 2014
  • 23rd December, 2013 – January 6th, 2014

$500 Chase Total Checking & Savings Code

[This bonus is currently only available via eBay]

• The $500 codes are actually a $300 total checking and $200 savings code bundled together.
• You’ll receive the $300 total checking bonus after opening the account and setting up a direct deposit and the $150 savings bonus when you add $15,000 more in new money into your account and keep it there for at least 90 days

$450 Total Checking & Savings Code

[This bonus is currently only available via eBay].

• The $450 codes are actually a $300 total checking and $150 savings code bundled together.
• You’ll receive the $300 total checking bonus after opening the account and setting up a direct deposit and the $200 savings bonus when you add $10,000 more in new money into your account and keep it there for at least 90 days. Note that the savings bonus requires a deposit of $5,000 less than the $200 coupon.

$400 Premier Checking & Savings Plus Code

[You can  purchase them from eBay without the direct deposit requirement here.]

• The $400 codes are actually two $200 codes bundled together.
• You’ll receive $200 for signing up for a Chase Checking account and completing the requirements, you’ll also receive another $200 for signing up for a savings account and completing the requirements (the requirements are the same that are listed above in the $600 coupon deal).
• • This offer is available to the public here
  • These are currently available, click to see the stock on eBay, they usually sell anywhere from $2-$20. Anything under $10 is a great deal.
• Dates that these coupons have been valid for in the past:
  • June 11th – July 15th, 2014 [expired early on June 19th]
  • January 1st – 27th of February, 2014.

[Read: Our Article On The $400 Coupon Code]

[Read: Our post on the first $400 public deal]

$250, $350, $500, $800 & Other Codes

Sometimes there has been combinations that resulted in up to $800 in bonuses. These seem to no longer be available, but we will update this section if they become available again.

• Dates that these have been available:
  • December 6th, 2005 – Unknown [Public, New York only. Free iPad nano 2gig version]

 

Chase Checking Account Coupon Codes

Here we have some bonuses for current customers, followed by bonuses for new customers.

Existing Customer Promotions

There aren’t any current promotions for current customers, but Chase has run these in the past. Below are the old promotions and the dates they were valid for.

• December 8th, 2014 – February 28th, 2015: $5 for enrolling in paperless statements [Public offer]
• May 1st – August 1st, 2010: $30 for making three $25 BillPay’s [Public offer, picture of this promo]
• May 1st – July 31st, 2009: $5 for enrolling in paperless statements [Public offer, picture of this promo]
• June 15th – August 15th, 2007: $75 for completing at least three online BillPay payments [Public offer]
• September 9th – 15th , 2003: $5 per bill paid over $25, up to a maximum of $150 [Public offer]

$500 Premier Checking Code

[Click here to see if eBay has any in stock]

• $500 offers are never made publicly available, but they do very occasionally appear on eBay.
  • They generally sell for $60-90 when they do appear. Anything under $50 is a great deal.
  • Click here to see if eBay currently has any in stock.
• If you do receive this offer you’ll only receive the bonus if you sign up for a Premier Checking Account from Chase, signing up for a Total Checking account will not trigger the bonus.
• To receive this bonus you must do the following:
  • Open a Premier Checking Account (you must be approved for this account, not everybody is, being approved for a Chase Total Checking Account will not trigger the bonus)
  • Fund the account with at least $100 within ten days of account opening
  • Have a direct deposit hit the account within 60 days of account opening
  • $500 bonus will be credited within 10 business days of you completing the above requirements
• Monthly account fee of $20 is waived if you meet the regular conditions (click here to view)
• Dates that these coupons have been valid for in the past:
  • September 21st – September 27th, 2013
  • June ??, 2013 – August 5th, 2013

$300 Premier/Total Checking Code

[This offer is currently available as part of a $500 bundle here or a $450 bundle here, both via eBay and both for total checking]

• The $300 coupon codes for Chase checking are never publicly available.
• Every now and then Chase will send out targeted offers that allow you to receive a $300 bonus, a lot of these end up on eBay.
  • Click here to see if eBay currently has any $300 offers available.
  • Usually these will also come with a $300 coupon for opening a savings account as well, they also currently come with a $200 coupon for opening a savings account
  • These usually sell for $25-$60 each. (anything under $30 is considered a good deal, if it comes with a savings coupon as well expect to pay closer to $40 for a good deal)
• To receive the bonus you must do the following:
  • Open a Premier Checking Account/Total checking (some applicants may not be eligible, in which case they will not receive this bonus)
  • Fund the account with at least $100 within ten days of account opening
  • Have a direct deposit hit the account within 60 days of account opening
  • $300 bonus will be credited to your account within ten days of fulfilling the above requirements.
• Premier checking comes with a $25 monthly fee, click here to see how to get it waived
• Dates that these have have been valid for in the past:
  • 9th March, 2014 – 25th April, 2014
  • 23rd December, 2013 – January 6th, 2014

$250 Premier/Total  Checking Code

• Not publicly available or via eBay
• To receive the bonus you must do the following:
  • Open a Premier Plus Checking Account/Total checking
  • Fund the account with at least $100 within ten days of account opening
  • Have a direct deposit hit the account within 60 days of account opening
  • $250 bonus will be credited to your account within ten days of fulfilling the above requirements.
• Premier Plus checking comes with a $25 monthly fee, click here to see how to get it waived
• Dates that these have have been valid for in the past:
  • July 1st – October 15th, 2014

$200 Total Checking Or Premier Checking Code

[You might as well get the $300 bonus which is currently available]

• This offer is sometimes publicly available.  A lot of people prefer it to the $300 and $500 offers because it doesn’t require a direct deposit and you can open a total checking account which is easier to keep fee free.
• These are currently available on eBay, most also come with a savings code for $200.
  • Click here to view these on eBay.
  • These usually sell for anywhere between $2 and $20 (the more expensive ones come with a $200 savings coupon as well). Anything under $8 is a good deal.
• To receive the $200 bonus you must complete the following:
  • Open a Chase Total Checking or Premier checking account (subject to approval)
  • Fund it within at least $200 within ten days of account opening
  • No direct deposit required
  • $200 bonus will be deposited within ten business days of completing the above
• Total Checking ($10 monthly fee) and Premier Checking ($25 monthly fee) can both have their monthly fees waived. Click here for the requirements.
• Dates that these have been available in the past:
  • January 1st – 27th of February, 2014 [Targeted, available on eBay]
  • November 26th – December 15th, 2013 [Public for total checking, requires direct deposit]
  • October 30th – November 26th, 2013 [Public for premier checking]
  • October 1st – 15th, 2013 [Public, for total checking]
  • July 23rd – August 15th, 2013 [Public for total checking account]
  • May 11th – 15th, 2013 [Public]
  • May 15th – June 30th, 2012 [Public, for total checking account]
  • February 19th – ?? [Public]
  • January 5th – 8th, 2011 [Public]
  • November 16th – November 20th, 2010 [Targeted, available on eBay]

[Read: Our In Depth Article On The $200 Total Checking & 200 Savings Coupon Code]

$150 Total Checking Code

[We’d recommend getting the $300 coupon above, but this one is publicly available with no eBay required here. ]

• This offer is often publicly available, it’s also usually available for purchase from eBay, although we don’t recommend this as it becomes public so often.
• This code is only valid for Chase Total Checking accounts, these have a $10 monthly fee which is easily waived.
• To receive the $150 bonus you must complete the following:
  • Open a chase Total Checking account
  • Deposit $100 or more within 10 days of account opening
  • Have a direct deposit hit the account within 60 days of account opening
  • Bonus will be credited within 10 days after the above is completed
• Dates that this offer has been available:
  • December 9th, 2013 – ?? [Public, direct deposit required]
  • April 4th – May 15th, 2012 [Public, direct deposit required]
  • March 12th – April 15th, 2012 [Public, no direct deposit required]
  • February 9th – March 15th, 2012 [Public, direct deposit required]
  • January 28th – February 15th, 2012 [Public, direct deposit required]
  • December 31st, 2011 – January 15th, 2012 [Public, direct deposit required]
  • October 10th – 31st, 2011 [Public]
  • August 31st, 2011 – ?? [Public, direct deposit required]
  • October 10th – 31st, 2011 –

[Read: Our Article On The Publicly Available $150 Checking Code]

$125 Total Checking Code

[Your much better off going with the $300 coupon available above]

• This offer is almost always publicly available, the current link we have is valid until the 31st of March, 2014. It’s also regularly available from eBay, but we don’t suggest purchasing it from there as it’s publicly available so often.
• This code is only valid for Chase Total Checking accounts, these have a $10 monthly fee which is easily waived
• To receive this bonus you must complete the following:
  • Open a Chase Total Checking account
  • Fund it with at least $100 within ten days of account opening
  • Have at least one direct deposit hit the account
  • Bonus will be credited within ten business days
• Dates that this offer has been available:
  • October 1st, 2013 – January 12th, 2014 [Public]
  • March 9th – May 15th, 2012 [Public]
  • January 6th – 25th, 2012 [Public]
  • December 4th, 2011 – January 7th, 2011 [Public]
  • November 2nd – 26th, 2011 [Public]
  • August 17th – October 7th, 2011 [Public]
  • April 30th – May 16th, 2011 [Public]
  • April 19th, 2011 – May 15th [Public]
  • January 15th – February 15th, 2011 [Public]
  • October 12th 2010 – January 31st, 2011 [Targeted, available on eBay]
  • July 19th – August 15th, 2010 [Public]
  • June 14th – July 15th, 2010 [Public]
  • January 15th – February 15th, 2010 [Targeted, direct deposit required]
  • December 17th, 2009 – 15th of January, 2010 [Public, direct deposit required]
  • August 9th, 2009 – ?? [Public]
  • July 19th, 2009 – ?? [Public]
  • March 5th – April 15th, 2009  [Public]
  • October 4th, 2008 – January 15th, 2009 [Public, direct deposit required]
  • August 10th, 2007 [Public, direct deposit required]

$125 & Under + Misc Checking Codes

• These are generally publicly available, but because the $150 codes are available so often and you can only earn these bonuses once per year we recommend waiting for one of these
• Click here to view what the $100 offer looks like
• Dates that these have been available:
  • February 16th – March 31st, 2011 [Public, $100 offer]
  • January 9th – 31sts, 2011 [Public, $100 offer]
  • December 14th – 31st, 2010 [Public, $100 offer]
  • November 3rd – 30th, 2010 [Public, $100 offer]
  • October 10th – 30th, 2010 [Public, $100 offer]
  • September 1st – 30th [Public, $100 offer no direct deposit required]
  • August 10th, 2010 – ?? [Public, $100 offer no direct deposit required]
  • June 29th – September 30th, 2010 [Public, 25,000 continental miles, 5 debit card purchases required]
  • July 27th – ?? [Targeted, available on eBay. Offer was for $100]
  • April 12th – June 28th, 2010 [Public $100 offer]
  • April 1st – June 30th, 2010 [Public, 25,000 continental miles, 5 debit card purchases required]
  • March 16th – April 30th, 2010 [Public $100 offer]
  • January 15th – March 31st, 2010 [Public, 25,000 continental miles. 5 debit card purchases required]
  • January 8th – February 28th, 2010 [Public, $100 offer]
  • January 6th – February 27th, 2010 [Public, $50 offer for student checking]
  • July 29th, 2009 – ?? [Public, up to 25,000 Continental miles, require debit card purchase and direct deposit set up]
  • June 2nd, 2009 [Public, up to 15,000 United Miles]
  • February 26th, 2009 – ?? [Public, receive up to 21,000 continental miles. Requires direct deposit and debit card purchases]
  • February 13th, 2009 [Public, up to 15,000 United Miles]
  • December 17th, 2008 [Public, $100 offer]
  • August 11th – September 15th, 2008 [Public, $100 offer]
  • June 19th, 2008 [Public, 21,000 continental miles, one debit card purchase required]
  • April 9th, 2008 [Public, $100 offer]
  • October 18th, 2007 – ?? [Public, $75 offer]
  • June 21st – September 30th, 2007 [Public, $100 offer]
  • November 1st, 2006 [Targeted, $100 offer]
  • January 24th, 2006 – ?? [Public, $100 offer]
  • July 31st – September 30th, 2005 [Public NYC only, free dunkin donut every year for a week]
  • August 10th, 2004 [Targeted NYC only, $50 offer]
  • January 29th, 2004 – ?? [Public, free companion air ticket and 10,000 continental miles with debit card purchase]

Chase Savings Account Coupon Codes

Chase regularly sends out new promotional codes for their personal saving accounts. All of these offers have been private, but they are also regularly sold on eBay. Occasionally Chase also has bonuses for current customers, these are listed below followed by the new account bonuses.

• November 22nd, 2008: Add $10,000 to high yield savings and get $50 bonus, add $50,000 and get $250 bonus  [Referal offer]
• April 26th – June 30th 2008: Receive a cash bonus of $25 when you set up automatic transfers of $100 or more from your Chase checking account. [Targeted]
• May 7th – 30th, 2007: Receive a $50 cash bonus when you set up an automatic transfer of $200 or more from your Chase Checking to Chase Savings account [Targeted]
• January 31st – February 28th, 2007: Receive a $50 bonus when you set up an automatic transfer
• November 22nd, 2005: $75 Starbucks gift card when you add $15,000 in additional funds to your account
• April 22nd, 2005: Increase your savings rate to 2.75% (up from 2.13%) by adding $25,000 in additional funds to your account

$300 Savings Plus Code

[Check to see if eBay has any available]

• These have never been publicly available but regularly come up for sale on eBay. They usually sell for between $20 and $60 per coupon. As long as you pay $30 or less you’re getting a good deal.
• These have only been valid for customers wanting to sign up for the Chase Savings Plus account, not the regular Savings account.
• Requirements:
  • Fund a new Savings Plus account with $25,000 of new money within 10 days of account opening
  • Have a minimum average balance of $25,000 for 90 days
  • Bonus posts within 10 days of the above being completed
  • Account must be kept opening for a minimum of six months, otherwise the bonus $300 will be taken back
• Monthly account service fee of $20 is waived as long as you have $15,000 or more in funds in your account (minimum requirement is $25,000 so you’ll meet this anyway).
• Dates that these have been valid for in the past
  • ?? – February 3rd, 2014

$200 Savings Coupon

[Click to find this code on eBay]

• These have never been made publicly available
• They are often available via eBay, most of them with also come with a code for a $200 checking account
  • Click to view these codes on eBay
  • They usually sell for between $2 and $20. Anything under $10 is a good deal.
• To receive the bonus you must complete the following steps:
  • Open a Chase Savings account (subject to approval) with a minimum deposit of $15,000 in new money
  • Maintain a daily balance of at least $15,000 or more
• It’s possible to avoid the fee, click here to find out how
• Dates that this coupon has been available for in the past:

$175 Savings Coupon

This code is not currently available or via eBay

• Does not require you to keep the funds deposited for a minimum length of time.

$150 Savings Coupon

[It’s possible to get this as part of the $450 bundle here or possibly by itself here]

• They are sometimes available on eBay, but the $200 and $300 codes are more common
  • Click to see if there are any
  • They usually sell for below $10
• The requirements are the same as the $200 coupon, including the fee waiver
• Dates that these coupons have been available:
  • August 29th – ?? [Targeted, 10k deposit required]

$125 & Under Savings Coupon

[There is a public bonus currently available for $100, which can be accessed here]

• These are never made publicly available and you’re better off purchasing a $150 coupon if you don’t receive one in the mail.
  • They usually sell for under $5, anything under $2 is a good deal
  • Click here to see if eBay has stock
• This deal usually requires you to deposit at least $10,000
• Dates that this offer has been available:
  • October 14th, 2013 – ?? [Targeted, available on eBay, $10,000 deposit required]
  • January 22nd – ??, 2013 [Targeted, only required $500 deposit. Bonus was for $25)
  • November 11th – December 31st, 2012 [Targeted, required $10,000 deposit]
  • November 2nd, 2011 – ?? [1] [Targeted, available on eBay, $10,000 deposit required]
  • January 12th, 2011 – ?? [Targeted, bonus only $100, requires $10,000 deposit]
  • November 1st – December 31st, 2010 [Targeted, bonus only $100 requires $5,000 deposit]
  • April 2nd, 2009 [Targeted, bonus $75, requires set up of automatic transfer from checking account]
  • February 24th – ?? [Targeted, bonus only $50 + $10 for automatic deposit of $100 or more per month. Deposit of $5,000 required]
  • August 10th, 2004 – ?? [Public, receive up to $200 in gift cards. Required a massive $100,000 deposit]

Chase Business Coupons

It looks as if Chase has decided to discontinue coupons for their business savings and checking products, they were last offered in 2012. Below is some historical information, we will update this if a new business coupon becomes active. It’s possible to sign up for a business checking account even if you don’t have a business, heres how:

• State that you have a business in development, this could be a simple eBay business reselling products, a computer repair business, dog shampooing or even a cleaning business
• Use your SSN as the EIN when asked
• State that you want a business checking account to keep business and personal money separated

All chase bonuses are now once per calendar year. But you’re allowed to earn:

• One personal checking bonus
• One personal savings bonus
• One business checking bonus
• One business savings bonus

Sometimes Chase will offer bonuses for existing account holders, for example:

• March 4th, 2010: Get $15 for using BillPay
• January 8th, 2010: Get $15 for using BillPay
• March 14th, 2010: $25 for completing a cash management review [Semi-targeted offer]
• November 15th, 2007 – January 31st, 2008: $25 for visiting a business banking specialist and another $50 if you open any of the following products (or by making a $10,000 or more deposit)  [Targeted offer]
  • Business savings account
  • Business Reward Debit Card
  • Business Credit Card

$300 Chase Business Checking Coupon

• This offer has never been available publicly
• Some people received this as a targeted mail out, some copies may be available on eBay
  • Check to see if there are any $300 business codes available on eBay
• This offer required the following:
  • Requirements unknown
• Dates that this has been available:
  • January 7th, 2012 – Unknown ??? [1]

$200 Chase Business Checking Coupon

[This coupon is not currently available on eBay, but click here to double check]

• This offer has been publicly available, but it’s not currently.
  
• This coupon has never appeared on eBay
• To receive the $200 you had to do the following:
  • Open a Chase business checking account (subject to approval)
  • Fund it with at least $500
  • Link a qualifying direct deposit
• Monthly fee of $10/$12 waiver changes regularly, click here to find out what it currently is
• Offer is valid for one person per year
• Screenshot of the deal
• Dates that this coupon was available:
  • January 31st – February 28th, 2012 [Public offer, $2,000 deposit required]
  • January 26th – 31st, 2012 [Public offer, $2,000 deposit required]
  • November 9th – 30th, 2011 [Public offer, $2,000 deposit required]
  • November 11th, 2010 – January 15th, 2011 [1] [Targeted mailer, possibly available on eBay 1,000 deposit required]
  • May 21st – June 30th, 2010 [Public offer, $5,000 deposit required]
  • April 7th – May 15th, 2010 [Public offer, $5,000 deposit required]
  • December 17th, 2009 – January 30th, 2010 [Public offer]
  • November 3rd – 30th, 2009 [Public offer]
  • August 18th – October 1st, 2010 [Targeted, available on eBay]
  • August 9th – September 30th, 2009 [Public offer]
  • March 11th – April 22nd, 2009 [Public offer]
  • July 24th – July 31st, 2009 [Public offer]
  • February 2nd – May 30th, 2009 [Public offer]
  • July 24th – 30th November, 2007 [Public offer]
  • February 7th – March 15th, 2007 [Public offer]

$100 And Under Chase Business Checking

• This offer is offered very ocassionally, because the $150 and $200 codes are offered so often we don’t recommend going for this deal.
• Dates that this has been available:
  • December 23rd, 2011 – January 31st, 2012 [Public offer]
  • November 2nd – 30th, 2011 [Public offer]
  • March 4th – April 15th, 2010 [Public offer]
  • September 24th, 2009 – ??
  • May 26th, 2009 – ??
  • June 12th, 2009 – July 27th, 2009 [Public offer]

$150+ Chase Business Savings

• This was offered to existing chase business checking customers
• Two different codes:
  • One for a $150 code for their high yield savings account
  • One for a $50 code for their regular business savings account
• Dates that this was available:
  • October 11th – December 11th, 2007 [Targeted]

Waiving Account Fees

All chase savings & checking accounts come with monthly fees, these are waived if you meet certain requirements. We’ve listed these monthly fees and the requirements for having them waived below.

Chase Premier Checking

This comes with a monthly fee of $25, which can be waived if you meet either of the following:

• Average daily balance of $15,000 or more in deposits or investments (this includes money you have in a Chase savings account) or
• Automatic payments set up to a qualifying Chase mortgage

Chase Total Checking

This account has a fee of $10 which is waived if you do any of the following:

• Receive direct deposits totalling $500 or more or
• Have a minimum daily balance of $1,500 or
• Have an average daily balance of $5,000 or more in any linked savings or investment account

Chase Savings Plus

This account comes with a monthly fee of $20, which can be waived if you meet any of the following:

• Have a minimum daily balance of at least $15,000 or
• Have a linked Chase checking account with Private Wealth Management

Chase Savings

This account has a monthly service fee of $5 which is waived if:

• This account has a minimum daily balance of $300 or more or
• Have at least one or more repeating transfers of $25 or above from a linked Chase checking account or
• Are under the age of 18 or
• Have a linked Chase Premier Plus Checking^SM, Chase Premier Platinum Checking^SM, Chase Private Client Checking^SM and accounts opened with Private Wealth Management

Rules For Chase Bonuses

To receive these bonuses Chase has a number of rules, your exact coupon should clearly state these rules but this should help you clarify them.

• You must be a new account holder. To be considered a new account holder you must either: not had the account before or had the account closed within 90 days and closed it in good standing. They enforce the 90 day rule strictly.
• You must pay taxes on your bonus. Banks are required to report bank account bonuses to the IRS, Chase will send you an 1099-INT form.
• You can only receive one checking account and one saving account bonus per calendar year. This is based on when the account is opened, not when the bonus is received [1].
• If you close the account within six months of receiving the bonus, Chase will deduct the amount of the bonus at account closing. If your account has already been emptied, Chase will consider that this account was not closed in good standing and you won’t be eligible for future bonuses (credit card bonuses included).

F.A.Q’s

Can I Receive The Bonus If I Already Have An Account?

If the promotion is for new account holders only, you will need to have not had an account with Chase for at least six months. If you still have an open account, you may be able to threaten to cancel your account to get the bonus applied – people have had mixed results with this.

Can You Open A Total Checking Account/Premier Checking Then Downgrade To A Student Account?

The student accounts are not usually eligible for the sign up bonuses, but they have much more relaxed requirements for skipping the monthly fee (which is also lower, only $6). It is possible to open a total checking or premier checking account and then downgrade to a high school checking or college checking account. You can also do the same for the savings accounts. Source(s): 1, 2

Do The Coupon Codes On eBay Really Work?

It depends on the seller, but you shouldn’t have any problems. Don’t believe us? Why not read one of the many success stories: 1, 2