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aqua
aqua (@guest_1901151)
August 28, 2024 14:37

this bank was quite strict and did NOT accept wise as DD unfortunately, even after emailing pay stubs.

FrankPL
FrankPL (@guest_1895891)
August 19, 2024 21:17

Interesting DP

Opened Feb 1 2024
During the 60 days sent couple of DDs via Wise
After the 60 days I didn’t receive bonus. saw somewhere that somebody got validated without showing paystubs. so I sent a SM inquiring the bonus and was told that “they dont see me on the pay report and to send paystub” i responded with the “dont have any at this time” and they responded with “We cannot validate DDs” so I took the L and closed my account on July 8. A week later I received my $5 membership back.

Aug 19: just got an envelope via snail mail with their logo and as I was about to toss it out bc I thought it was trash i opened and I see is a $400 cashier’s check with the memo “check 400 closure” lmao well that was a close one.

Jimmy Johns 🔗
Jimmy Johns 🔗 (@guest_1930872)
October 12, 2024 01:04

FrankPL I technically opened the account after the promotion was pulled from their site (used promo code). Had several real DDs. Other folks who opened after the promotion was pulled received the bonus. After waiting several weeks, I ended up emailing them and they said I wasn’t eligible.

After doing some spring cleaning I saw your DP and saw my bonus actually posted on 8/15. I encourage others to look through their account and they might see a surprise bonus posted.

Eric 🔗
Eric 🔗 (@guest_1930924)
October 12, 2024 06:34

I appreciate you rubbing salt in the wound!

MoreSun
MoreSun (@guest_1891997)
August 12, 2024 14:39

Can’t close via chat, told to send a SM or call.

Novacat05
Novacat05 (@guest_1890097)
August 8, 2024 14:39

FYI I was able to close out my account today via a simple SM after emptying account, $5 check will be in the mail. Opened account 1/30, so I’m past 6 month clawback.

Pleasure doing business with you, thank you!

seaDance
seaDance (@guest_1890238)
August 8, 2024 18:54

Just in case: Is $5 the refund for your membership, if you have emptied your accounts? I thought it was non-refundable…

MoreSun
MoreSun (@guest_1891994)
August 12, 2024 14:36

It’s not uncommon for them to say it’s non-refundable and then send you a check for it when you close the account.

joe
joe (@guest_1889443)
August 7, 2024 15:34

This is such an odd bank. I actually had real DDs and they hadn’t credited. Messaged them, sent proof of stubs and they still denied it saying they couldn’t “verify” it. opened a NCUA complaint over a month ago and still havent heard back

Mendel
Mendel (@guest_1913068)
September 16, 2024 22:45

Any updates? They aren’t giving me the bonus since I had real direct deposits totaling $500/month, instead of a $500 direct deposit per month

joe
joe (@guest_1919900)
September 26, 2024 15:22

I received an email from the bank “Chief Auditor” saying there was some discrepancy on how my overtime hours were calculated on the paystub so they rejected my paystub. This bank is unbelievable. NCUA now says they received records of our correspondence and it can take up another 90 days to come to a resolution reb mendel

Van
Van (@guest_1922263)
September 30, 2024 21:44

Same here. I was told min $500 per transaction

Matt J
Matt J (@guest_1885383)
July 31, 2024 15:30

I opened my account on January 30th. I can close now right? Can’t find link to original terms.

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 31, 2024 17:36

Terms: “If the Basic Checking account is closed within six months, we reserve the right to deduct the cash bonus from your account.” Matt J

Links to archived terms:
https://www.doctorofcredit.com/elements-financial-credit-union-400-checking-bonus/#comment-1832643

Matt J
Matt J (@guest_1885467)
July 31, 2024 17:37

Thanks! I’m just over 6 months so I think I’m gold. Appreciate it!

Gadget 🕵️‍♂️ Bank Bonus Geek 🔗
July 31, 2024 17:38

Unlikely it’s enforced anyway… but yeah, you are good to go.

charlie
charlie (@guest_1871666)
July 9, 2024 11:56

Maintenance fee auto refunded itself when it took my account negative because of it.

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1868144)
July 2, 2024 10:42

Fidelity works for the direct deposit requirement to waive the monthly fee.

Xinyang Liu
Xinyang Liu (@guest_1875113)
July 15, 2024 15:07

Thank you for the DP. This is the first month I try fake DD to waive monthly fee. Mine is showing “Category: Investments” and “Statement Description: External Deposit FID BKG SVC LLC – MONEYLINE”. Are you the same?

ShawntheShawn👈🏾
ShawntheShawn👈🏾 (@guest_1890184)
August 8, 2024 16:18

Sorry for my late reply. I came back to this post today and just saw your message. Yes, that is how it was shown in my account. Xinyang Liu

Marie
Marie (@guest_1859277)
June 13, 2024 10:13

Has anyone successfully created a paystub or sent in screenshots as proof for Wise DD’s?

Phillip
Phillip (@guest_1854575)
June 3, 2024 23:53

DP:

1/31/2024 – Opened
2/20/2024 – $505 Chase Business ACH
3/1/2024 – $505 Chase Business ACH
4/15/2024 – Emailed “paystubs” to [email protected]. These “paystubs” were just my confirmation receipts from the chase business transfers.
4/16/2024 – Received $400 bonus

For those of you spoofing with Chase business accounts, it seems this bank will only pay you out once you verify your paystubs.

mothman69
mothman69 (@guest_1855389)
June 5, 2024 07:34
Hattrick
Hattrick (@guest_1857837)
June 10, 2024 02:08

I used the Chase spoof method and received the same response. Where do I find the “confirmation receipt”? TIA

ink_me_please
ink_me_please (@guest_1858211)
June 10, 2024 19:24

used your upgrade ref. Thanks!

Hattrick
Hattrick (@guest_1865972)
June 28, 2024 12:02

Thanks! Got the referee bonus recently!

HarryTheFirstHarry
HarryTheFirstHarry (@guest_1884521)
July 30, 2024 10:56

I used Chase Business ACH and did not get asked any paystubs either – bonus was automatic at the end of March. My timeline is also similar to yours though I did do an extra DD in early-Feb. I also tag my DDs with “Payroll DirectDep” in the comment field. Additionally I have been doing $50 real time DDs to avoid monthly fee (these cost only 50 cents each and not the 2.50 for the regular DD). Its time to close on next week I guess when the 6 months will be up.