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ink_me_please
ink_me_please (@guest_2006380)
February 17, 2025 17:40

Maybe conisder adding this to the “Best List”. Obviously you guys posted on it, but doesn’t look like it was ever added to the “best”. https://www.doctorofcredit.com/ia-il-in-ks-mi-mn-mo-oh-and-wi-associated-bank-up-to-750-business-checking-bonus/
 William Charles  Chuck

Kan
Kan (@guest_2005164)
February 15, 2025 15:13

Just a reminder as everyone who visit here use Amazon. Use the link on the right pane to support DoC. I am just a user but can’t thank enough for the work done for all of us with extra income.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 15, 2025 17:59

Actually, the best Amazon links to use are here:

https://www.doctorofcredit.com/complete-guide-saving-money-amazon-save-8-25/

They are affiliate links too earning DoC a kickback, but you get the chance to see if you have been targeted for any credit card discounts. (only for items SOLD BY Amazon – 3rd party sellers are not discounted) Retaining Amex and Discover cards particularly have saved me a bunch over the years.

barrytuneup
barrytuneup (@guest_2006470)
February 17, 2025 19:32

Gadget, you are the best!!

upshaw
upshaw (@guest_2003316)
February 12, 2025 18:26

Anyone know which banks have strict “Real DD” requirements? P1 and P2 have real DD’s going to waste currently. But no point in using those on banks that don’t need them, right?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 12, 2025 20:26

You need to evaluate that on a case-by-case basis. Pretty much every bank has some sort of “fake DD” that can be done. I wouldn’t expect someone to list a bunch of the “real DD only” banks when those offers might not interest you or the parameters change. BofA was a rare one that actually got EASIER to fake.

Chase is difficult for some.
BMO is another.
I heard Fairwinds CU clamped down on what they accept.

Switching your Real DD around gives you more power to complain if the bonus doesn’t payout as planned. upshaw

And actually, I am having trouble finding offers that I really NEED a real DD.

upshaw
upshaw (@guest_2003725)
February 13, 2025 12:11

Thanks so much Gadget, you’re the best.

Kan
Kan (@guest_2005165)
February 15, 2025 15:15

Which bank account can be used for fake DD that we manually push and not a employer payment? I keep hearing people said Wise or chase. Wise USD to USD transfer have a fee. Am i missing something?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 15, 2025 17:53

It can vary from bank to bank on what counts. You have to look at it on a case-by-case basis.

You can look here: https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/

But, it’s best to get current DP’s from those who have done the particular offer recently. And yes, Wise has fees, minimum of $1.13 per transfer. A Chase business account has a $2.50 fee. Not everything in life is free. Kan

Daniel
Daniel (@guest_2000455)
February 7, 2025 23:27

With Elon Musk wanting to get rid of the CFPB and most likely will is there any other regulatory organization one can file a complaint with if someone is having issues with their bank? I feel the CFPB has done a lot of good for the consumer to protect us.

John R🔗
John R🔗 (@guest_2000626)
February 8, 2025 11:45

Yes, you can file directly with the regulators below; a lot of the time CFPB just forwards your complaint anyway. The overlap is one of the best arguments for getting of CFPB fwiw.

OCC
FDIC
Federal Reserve
NCUA
SEC
FINRA
NYS Department of Financial Services
state regulators for some state chartered banks

Tassive Mitts
Tassive Mitts (@guest_2006465)
February 17, 2025 19:24

ok but how do we know which one of those is most appropriate to use?

GC
GC (@guest_1999634)
February 6, 2025 19:34

New: Arvest Bank – I believe only in the midwest please verify – expires 3/21/25

https://www.arvest.com/get150

There a mailer that I got today for $500 if you direct deposit $500 for their highest tier. But requirements to avoid $18 a month fee. I can send a pic if needed.

Gadget  Chuck  William Charles

kan
kan (@guest_1999709)
February 6, 2025 21:09
  GC

Can you please send a picture

Kan
Kan (@guest_2005167)
February 15, 2025 15:17
  GC

Are you able to share $500 promo please?

Gc
Gc (@guest_2005342)
February 15, 2025 23:00

It’s targeted so unless you’re on mailing list you won’t get the money

person
person (@guest_1999201)
February 6, 2025 10:44

How long do you typically wait to link a new bank account to your hub account? I’ve had Ally suspend my account several times in the last six months for using trial deposits to verify new accounts to move funds to. I’m wondering if this is just an attempt to get me to use a new hub bank.

Alexia
Alexia (@guest_1999267)
February 6, 2025 11:55

Have never experienced this. I’ve always connected pretty much immediately. I use mostly Fidelity as my hub, but most accounts are duplicated with Chase, which also has no issues.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 6, 2025 15:06

There are some banks that don’t instantly turn on ACH on a new account. (M&T is one) It’s a good practice to fund an account before sending trials at any bank, but FNB PA I had major issues trying to get an overdraft fee refunded for trial deposits that were not available to be pulled. Many years ago, Discover closed my account for this.

It’s possible you got on Ally’s radar due to failed trials and now everything you do is being scrutinized.

person
person (@guest_1999599)
February 6, 2025 18:49

”It’s possible you got on Ally’s radar due to failed trials and now everything you do is being scrutinized”

This is most likely what’s happening. I do recall trying to link treasury direct and it failing around the first suspension. I’m pretty sure they mentioned that as the reason the first time.

Diego
Diego (@guest_2000978)
February 8, 2025 22:02

I learned this lesson the hard way with Citibank several years ago. It cost me a $750 bonus.

Techant
Techant (@guest_2003733)
February 13, 2025 12:32

Just funded a new Citibank checking after immediately connecting ACH during the first week and didn’t have any problems. What happened with your account?

Diego
Diego (@guest_2004880)
February 14, 2025 23:36

Immediately after opening the account, I tried to link Citi from an external bank. The trial deposits were rejected but the retrieval debit was processed, causing an overdraft of 50 cents or so. The next day the initial funding posted and I was back in the black. A couple weeks later I put in my qualifying deposit for the bonus, I think it was $30,000.

At the end of the month, I was hit with an overdraft fee, causing my balance to drop below $30,000. I called to complain and they reversed the overdraft fee. A week or so after bonus payout day rolled around, I called again to inquire. They were denying my bonus because I had not maintained the required balance once it had been deposited, even though it was their fault the overdraft occurred in the first place. They said they would forward my complaint to their research department, which politely told me to pound sand.

To this day I hate Citi with the passion of a thousand suns. I didn’t even try another Citi bonus for a few years, even though I know the best revenge is taking as much of their money as possible.

fdic
fdic (@guest_2004893)
February 15, 2025 00:13

Citi Chase are all garbage

Citi rolled out new ACH service/interface about an year or so ago, so many issues to start with. Anyways, when thing settled down, I used it to send $2k to another bank and guess what their stupid ACH service did, deducted that amount when I first set it up and then deducted that amount again when they actually did the transfer a few hours later. Can you even begin to imagine how stupid that is?
When I logged in, I remember everything was in red color saying overdraft this and overdraft that. And calls of course go overseas who are utterly useless. I have been with Citi for 30+ years and this was my main account and they didnt fix it for 3 days.

Chase is another $hitshow even though their ceo tries to act all presidential.

FP
FP (@guest_1995903)
February 2, 2025 10:34
Alexia
Alexia (@guest_1995980)
February 2, 2025 11:55
  FP

Shows for me. Try to use incognito mode of a different browser?

Pickle Rick🔗
Pickle Rick🔗 (@guest_1996082)
February 2, 2025 13:50

I think they’re just saying it’s not on the list.

FP
FP (@guest_1996235)
February 2, 2025 17:02

Thank you and Correct @pickle Rick, not on the list

Alexia
Alexia (@guest_1996360)
February 2, 2025 20:00

Thank you. I am dumb! Please ignore me, lol.

Pickle Rick🔗
Pickle Rick🔗 (@guest_1996389)
February 2, 2025 20:39

Lol you’re not dumb! 🤣 You were just trying to be helpful.

Sub hunter
Sub hunter (@guest_1996418)
February 2, 2025 21:19

Any work around for folks in TX?

Pickle Rick🔗
Pickle Rick🔗 (@guest_1996435)
February 2, 2025 21:51

OOS is allowed in branch

Froxgoti
Froxgoti (@guest_2000628)
February 8, 2025 11:51

Whay does OOS mean? Any work around for AZ?

Frey
Frey (@guest_2000630)
February 8, 2025 11:54

OOS = out of state

So workaround would be in branch as Pickle Rick said. There are a few banks that let you open in branch with and out of state addesss.

Hugo
Hugo (@guest_1995704)
February 1, 2025 22:19

https://www.citizensbank.com/promo/checking/new-year-checking-offer-2025

New offer from Citizens. $500 bonus when you DD $1,000 to checking and deposit $5,000 to savings.

Expires 2/15/2025

Froxgoti
Froxgoti (@guest_1996600)
February 3, 2025 07:40

Do they pull chex?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 3, 2025 18:26

Mixed results. They usually do pull Chex online. Sometimes not in branch. Froxgoti

Plenty of DP’s… https://www.doctorofcredit.com/ct-de-ma-mi-nh-nj-ny-oh-pa-ri-vt-citizens-bank-400-checking-bonus-2/

Chris
Chris (@guest_1999942)
February 7, 2025 09:19

Is this any state or only states with a branch.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
February 7, 2025 17:02

Likely any state with a branch. The first thing the application asks for your zip code, so you will know right away if you can open online. Chris

The other option is to open in a branch, but the branch needs to have a offer available and can usually only accept online offers if you have an email voucher.

zh
zh (@guest_2003215)
February 12, 2025 14:32

just saw similar offer (mailer) for 600 bonus.

Jun
Jun (@guest_1993842)
January 29, 2025 22:18

Bank of hope $388 bonus if you DD $1000

https://www.bankofhope.com/personal-checking-offer

Alex
Alex (@guest_1993929)
January 30, 2025 04:01

Great! Thanks a lot for sharing. Already gave it a try and hope I will have good luck for approval~

Wayne
Wayne (@guest_1993940)
January 30, 2025 06:55

Soft or hard pull?

Sub hunter
Sub hunter (@guest_1994763)
January 31, 2025 12:36

I just applied. Any luck with approval?

Alphas
Alphas (@guest_1993997)
January 30, 2025 09:38

30-day churn period only??… they are about to see a lot of action 🙂

Kenpachiii
Kenpachiii (@guest_1994002)
January 30, 2025 09:42

Does bank pull for CHEX/EWS, soft/hard pull?
What bank counts as DD?

Jun
Jun (@guest_1994098)
January 30, 2025 12:53

I was going to try using treasury direct irs to fake DD. But I’m not sure what counts as DD as the previous promos didn’t require DD

Tony
Tony (@guest_1994005)
January 30, 2025 09:45

can a NewYorker open and collect?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
January 30, 2025 10:55

Bank of Hope I Get Approved? What was your experience? Jun

Pulls Chex – instant inquiry. Weird that it asks for funding amount without telling you the funding options.

I am in a “footprint state” but WAY out of the area, so I suspect it will be a rejection. I will post my Chex numbers and reason for denial when I get it.

Update: Email from the bank says: “Thank you for your recent application for the Bank of Hope Bank Simply Checking account . Your application is currently being processed, and we will reach out to you within 3 business days regarding your account status.

Kan
Kan (@guest_1994044)
January 30, 2025 11:02

I opened last night. It was instant. I deposited $25 through zelle. I am i Illinois though.

Christopher Robin
Christopher Robin (@guest_1994154)
January 30, 2025 14:23

Gadget , any luck?

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
January 30, 2025 14:33

My DP was minutes after I applied, so no, I haven’t heard from them yet. 3 biz days is Tuesday next week. Christopher Robin

Some people on the DoC Contact Us page are having luck, but nobody is saying on how far away from the nearest branch they are located. I’m over 200 miles away, so no branches show on the locator map.

Alex
Alex (@guest_1994158)
January 30, 2025 14:33

Same thing for me. If I get rejected I can try in branch maybe since I am in the state of their footprint

Alberto
Alberto (@guest_1996962)
February 3, 2025 14:35

Any updates?

Kan
Kan (@guest_1994045)
January 30, 2025 11:03

awesome find. just need to learn korean if i have to go to branch ever. thats what google reviews says

Y415
Y415 (@guest_1994378)
January 30, 2025 20:23

I got instantly approved in SC.
Will try wise for my direct deposit

Jun
Jun (@guest_1994450)
January 30, 2025 22:10

Thank you for turning to Bank of Hope for your banking needs. We have carefully reviewed your application for the Bank Simply Checking account, and unfortunately, we were unable to approve your request at this time.

I was a customer previously and cannot reapply. I guess maybe better to apply in person for better chance for approval?

HarryTheFirstHarry
HarryTheFirstHarry (@guest_1994654)
January 31, 2025 09:44

Per SD DPs, just reply to the denial email with your ID and they will approve. YMMV I guesss, but worth a try: Gadget

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
January 31, 2025 09:57

If they ever respond to my application, I might give that a try. But that sounds really ludicrous and never heard of a bank saying “you’re denied”, then flip flop as soon as you show ID.

The SlickDeals lemmings all doing what someone else did is funny though. Let’s all put “unemployed” on the application… SMH.

Dealgamer
Dealgamer (@guest_1994508)
January 30, 2025 23:55

Interesting, SC isn’t where they have any branches from what I can see? So maybe it’s not geo restricted?

rychastings
rychastings (@guest_1995033)
January 31, 2025 18:54

does schwab ach count as dd for this one?

Matt J
Matt J (@guest_1990056)
January 22, 2025 20:51

Anyone ever opened navigant? $100 bonus with simple terms: https://navigantcu.org/jrc-100-bonus/

Wayne
Wayne (@guest_1990078)
January 22, 2025 21:35

Seems like a lot of work for $100.

fdic
fdic (@guest_1990121)
January 22, 2025 23:24

Matt J Seems decent if they dont pull Chex. If they pull Chex, then not worth it

bigbonusbeast 🔗
bigbonusbeast 🔗 (@guest_1994398)
January 30, 2025 20:48

I opened Navigant account for $300 bonus today by going to branch and got approved. My Chex were.
Inquiries/Month – 1/1, 3/2, 6/3, 11/6

Kan
Kan (@guest_1994656)
January 31, 2025 09:46

is $300 offer in branch only? Or there is an online link? And is IL state eligible?

bigbonusbeast 🔗
bigbonusbeast 🔗 (@guest_1994963)
January 31, 2025 17:46

Kan link – https://navigantcu.org/jrc-300/
There are no branches in IL, so No.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
January 31, 2025 17:59

 William Charles $300 RI credit union bonus… ⬆️

JHP
JHP (@guest_1995085)
January 31, 2025 20:21

Looks like this one ends today (1/31/25)

JHP
JHP (@guest_1995090)
January 31, 2025 20:30

Service area is CT, MA, NH or RI