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Bonuser
Bonuser (@guest_1218309)
July 6, 2021 13:20

$250 promo credited for P1 on July 1st just as per the terms. (Employer DD credited each month)

P2 should also credit August 1st.

Bonuser
Bonuser (@guest_1233305)
August 3, 2021 11:35

P2 credited August 1st. They kept their end of the terms perfectly.. Smooth process.

Check it OUT
Check it OUT (@guest_1190549)
May 12, 2021 22:23

A hard pull and all these debit card transactions. This one doesn’t seem worth it for the money.

bonuser
bonuser (@guest_1190016)
May 12, 2021 08:53

They are really narrow on what counts as a debit – maybe – the amazon ‘process’ as credit card transaction counted…. grocery stores and gas stations of varying types did not count as a debit for monthly or bonus requirements in April…. Not really sure what counts as a pin-less debit for them.

Any recommendations on pin-less transaction options – my go to’s of grocery stores and gas stations and amazon seem to have failed… (online payments to cell phone and internet bills could be an option).

Christopher Robin
Christopher Robin (@guest_1190030)
May 12, 2021 09:23

Bonuser I only did Amazon reloads and met the requirements for April. I did not change the default settings of the debit card on Amazon payment settings.

Bonuser
Bonuser (@guest_1190399)
May 12, 2021 18:10

Thank you very much christopher robin

I will try that for May. Hopefully I did not disqualify myself from the bonuses.

bonuser
bonuser (@guest_1200886)
June 4, 2021 15:03

That worked for May…. amazon GC reloads $5+ on default… as well as online payments to utilities…

Bonuser
Bonuser (@guest_1185717)
May 3, 2021 06:43

No credit for April despite meeting all monthly reqs. Pinless debits might be the issue. Never entered a pin and chose credit when I could.

Not amused. Hopefully still works for bonus.

Baked
Baked (@guest_1186337)
May 4, 2021 15:16

Bonuser sorry to hear. I applied last week and still waiting to hear back. How long did it take to open your account ?

Bonuser
Bonuser (@guest_1186491)
May 4, 2021 20:03

It was maybe 2-3 business days – I would call them up and see what they need from you.

Definitely really picky as to what counts as pinless debits. Going to have to work on that to make sure I meet the bonus reqs.

Chander
Chander (@guest_1176028)
April 14, 2021 02:01

Does anyone know if the monthly fees is waived for the first month? Or are we supposed to do a DD of 250$and 10 debit card transactions in the first month itself?

gli
gli (@guest_1177890)
April 16, 2021 16:20

CS mentioned in passing (when calling them about online access being the savings account #) that they give you through that 90th day to meet the requirements or something like that – it was vague but they do not expect you to be able to meet reqs in the first month for the bonus it seems.
But I presume no 3% interest if you do not meet reqs the first month.

I am going to meet the Reqs in the first month and every month until the bonus posts to be on the safe side.

Chander
Chander (@guest_1180043)
April 20, 2021 23:23

Thanks for the info.

Gli
Gli (@guest_1174449)
April 10, 2021 17:38

FWIW – the DD needs to be legit per CS for the monthly 3% interest. Not just ach (lmcu and evansville are okay with ach’s monthly)

So i suspect the bonus is the same way. But a monthly $250 DD is pretty painless if your circumstances allow.

Abby
Abby (@guest_1174548)
April 10, 2021 23:50

good god dude never call the bank and ask. it’s rule #1 of bank bonuses

Gli
Gli (@guest_1174581)
April 11, 2021 06:56

Abby – not a novice here. I spoke with CS about setting up online bank access (for the account number – the savings account number is used instead of the checking for online bank setup).

However for the DD setup and monthly requirements (bonus and interest) the DD needs to go to the checking.

I was speaking with the CS about that issue and asked if ACH/bank transfers meet the monthly requirement for 2.96% interest. Each bank is a little different. And they confirmed has to be employer DD.

This is a little different than a normal bonus – as I intend to use the 2.96% monthly.
Take Care.

ShawntheShawn
ShawntheShawn (@guest_1175501)
April 13, 2021 12:33

Well, it strictly says direct deposit on paper, so a CSR will say the same thing. However, what is considered or coded as DD by the system can be different and more inclusive, hence the value of all the DPs for fake DDs. I do not think this credit union is going to manually examine DDs for each account every month to determine eligibility for earning the 3% APY. Therefore, fake DDs (i.e., ACH in) may still work, or it may not work. Needs DPs for it. Gli

gli
gli (@guest_1175684)
April 13, 2021 16:06

True – accurate points ShawntheShawn. And that holds true 90% of the time.

I will say that some of the rewards checking accounts actually do comb through DD’s and debits for eligibility each month – One American Bank does that – as does Heritage Bank NA… Great Lakes Credit Union does that… so YMMV depending on the rewards checking account monthly review process.

Taylor
Taylor (@guest_1175190)
April 12, 2021 19:12

Besides, strictly based on this comment alone Gli neither states nor implies that they did call them. Not sure how you can justifiably reply as though they did.

gli
gli (@guest_1175487)
April 13, 2021 12:05

Thank you Taylor – My point was that in order to meet the 3% monthly interest requirements – they want a ‘real’ employer DD. I therefore suspect that since the $250 bonus is tied to those same monthly requirements being met, that is the same case there for the bonus to be met.

Rewards checking accounts are different than normal checking accounts (each one is unique in their requirements, See LMCU, see Evansville TFCU etc..)

But if Abby and others get their jollies over assuming idiocy by my free datapoint sharing – so be it. It was intended to be helpful.

This used to be a bit more of a friendly/helpful website/comment section… as DOC has grown – a whole lot of selfishness leaks over from churning/reddit etc… and ridiculing/mocking has increased.

Gli
Gli (@guest_1174447)
April 10, 2021 17:33

Hard pull occurred for p1 and p2. Opened one per member of my household.

Also have to sign up for online e statements.

Baked
Baked (@guest_1174464)
April 10, 2021 18:19

Gli which credit bureau did they pull ?

Gli
Gli (@guest_1174478)
April 10, 2021 19:11

Equifax hard pull.

And I had 6 hard pulls on my record and a chex report that has many entries.

Davis
Davis (@guest_1174423)
April 10, 2021 16:10

Lots of groups you can be/become a member of to become a member of this credit union, including a Humane Society of Broward County.

Davis
Davis (@guest_1174489)
April 10, 2021 20:05

Nevermind that one has “live work Broward County” in it. I emailed We Florida if donating to the Broward Partnership for the Homeless would work.

Davis
Davis (@guest_1174876)
April 12, 2021 10:12

“Unfortunately, you have to be a Florida resident to establish membership with We Florida Financial Credit Union.”

justmeha
justmeha (@guest_1181464)
April 23, 2021 00:58

Davis did you end up finding a way to sign up OOS?

Davis
Davis (@guest_1181472)
April 23, 2021 01:04

No

Wayne
Wayne (@guest_1174403)
April 10, 2021 14:58

 William Charles Verified via Twitter it’s a hard pull

ShawntheShawn
ShawntheShawn (@guest_1174434)
April 10, 2021 16:45
Jarrod
Jarrod (@guest_1174385)
April 10, 2021 13:47

Does Amazon gift card qualify as “Pin-less Debit”?

Wayne
Wayne (@guest_1174424)
April 10, 2021 16:13

Jarrod Yes