[MN] Blaze Credit Union $200 Checking Bonus, Direct Deposit Not Required

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• Soft pull credit. However they pulled my chex twice as soon as I submitted the application. And I received a denial email saying "unable to finish identification and verification" immediately. I do not understand why they pull chex twice.

  • I got rid of one like that on the basis of no permissible purpose because the bank was "unable to verify [my] identity"- i.e., I cannot possibly have authorized the inquiry if it wasn't me who submitted the application.

    It was Midland, and the rep actually suggested I do that when I called for recon.

    • That is a good argument! I'll try that next time.

      • @guest_2027375,

        If you write "I cannot possibly have authorized the inquiry if it wasn’t me who submitted the application." like @guest_2029547 suggested, that is a blatant lie!

        • “I cannot possibly have authorized the inquiry if it wasn’t me who submitted the application” is indisputably true. Either:

          1. They knew who submitted the application, or
          2. They didn't know who submitted the application.

          It's blatantly obvious those statements are mutually contradictory.

          Also the pun was intentional.

        • #1. I appreciate you confirming that I was correct and @guest_2027375 was incorrect on what you meant initially. 😀

          #2. I am glad that it apparently bothers you to be called a "liar" enough that you would come up with that kind of "out there" explanation to "prove" that you didn't lie.

          #3. Are you a lawyer?

        • I do not think Karl suggested writing "I cannot possibly have authorized the inquiry if it wasn’t me who submitted the application", he was pointing out a logical flaw in the "unable verify identity" situation

        • I really was suggesting you dispute those 2 inquiries with Chex, if they are still there, by using that logical flaw and including a direct quote from Blaze's denial. It worked for me!

          My recon with Midland failed but I got the inquiry deleted. Removal took 30 days. I disputed directly with Chex, not Midland.

          "The FI claimed authorization by me from person whose ID was unknown to them" or some such. The email they sent is your proof.

        • @guest_2027375,

          I am only going by what @guest_2029547 literally wrote. Karl writing "i.e." implies that he was giving an example of what to say to Chex in the dispute.

          Even if you are right that he didn't mean it that way, some people might have interpreted his comment like I did and decided to write that in their future disputes.

          I have seen other people on here suggest lying to Chex even more blatantly than that. I am just not a fan of liars!

        • I.e. means "that is," i.e. further explanation. "For example" would be "e.g."

          E.g., what I wrote was an explanation, not an example.

          You wrote "Karl implies" when you meant "I, Eric, infer." Your inference was based on conflating "i.e." with "e.g."

          At least that's what I infer.

        • I always thought that "i.e." stood for "indicated example" until I looked it up after making my comment. I was hoping that you wouldn't catch that. You somewhat got me there. 😉

  • It happens. If the inquiries were both on the same day, they will merge after about two days, IME. @guest_2027375

    If they were done by different entities (mailing address of bank/CU is different), or done on different days, you will need to dispute the 2nd inquiry. Be clear that you only applied for one account, and had already received an inquiry from that particular bank/CU on xx day. It SHOULD get removed.

    I had three inquiries on 3/18/25 at BMO Bank, and they merged sometime today (3/20).

    • Thanks Gadget. Good to know the two inquiries would be merged. I received two OnAlerts emails at the same time, I logged into Chexsystems and saw two inquiries. I submitted a dispute for one of it before seeing your comment after the merge, hopefully the dispute wouldn't mess up how things naturally go...

      • Maybe you will luck out and get BOTH removed. :)

• I did this last year and had a hard pull.

• Thank you for submitting your application. A Blaze Representative will contact you once your application has been reviewed

  anyone got the above message been contacted?

  • Still waiting personally. No confirmation email or anything

    • They asked me to unfreeze Transunion for a soft pull a couple of days after I applied, but it eventually took a couple of weeks for my application to get approved.

      • were you in-footprint or oos, and what were your chex counts at the time you applied?

        • I don't keep track of my chex counts since it's pretty high, not in footprint.

        • I was in MN a long time ago though, not sure if that helped

• Does this work for OOS and is it hard pull? DPs are for 2024 and wanted to check for 2025.

• Approved and the $200 bonus was instantly added to my account. No debit card transactions and no auto payments/dd set up. The only thing I did was fund it with a credit card. Might be the easiest bonus ever achieved.

  • @guest_2007013,

    What were your Chex stats before applying?

    Also, @guest_1826858 is correct. See my comment for more info: #1818985.

    • Chex stats are high but don’t know exact numbers. P2 is equally high but was rejected.

  • Remember to meet the bonus terms though, otherwise they can claw back the bonus

• Thank you for submitting your application Michael. A Blaze Representative will contact you once your application has been reviewed.

  Had a checking with them that was closed December 2023, have done a bonus with them multiple times in the past.

• Says I need a "Share Savings" account with a $10 fee as a required product - did others sign up for this too or find a way around it?

  • A "Share Savings" is a requirement for most, if not all, CUs. If it makes you feel any better, that $10 makes you a part owner of the CU!

• If you're in Minnesota, you can stack this with their St Paul Saints checking product and get the cash bonus plus two free tickets to the St Paul Saints (triple A affiliate of the Minnesota Twins). You may need to do this in branch.

• Weird question on the app, have you had a checking account at this or any other financial institution in the last 12 months, if you put yes they ask you where.

• Thank you for submitting your application. A Blaze Representative will contact you once your application has been reviewed. For reference, your application number is

  [oos]

  • Thank you for applying for membership with Blaze Credit Union.

    Unfortunately, your request has been declined due to excessive credit inquiries recently.