[NC] Coastal Credit Union $100 Checking Bonus, New & Existing Users

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• They closed my account saying they needed a hard pull for equifax when I opened it originally. That's hard to believe

  • They softed my EQ.

    Lots of CSRs don't know the difference between soft and hard pulls so maybe that's what they meant.

    If yours was frozen they wouldn't have been able to soft it unless you were already a member.

• Given the deadline to do the courses was earlier this month, no point of signing up for this now it seems?

• P1 approved instantly. Already received $100.

  Waited out to apply for until P2 to see how P1 experience went.

  P2 applied on 10/16, and apparently it was approved the same day but haven’t received a welcome email or any account information. Today 10/17 the initial app funding was taken from external account.

  So called the after hours 800 number who confirmed e-mail was correct and the day it was opened but couldn’t give member# or any other information.

  Today is the deadline for the $100. Also the terms of the promo make zero sense saying you have until 10/31 to open an account but have to complete the course by 10/17.

  Is there a link for app status or some way of getting the member/account # after hours?

  • Nevermind finally got access to account after several phones call yesterday. I went ahead and did the courses despite the date. The offer was still showing on the link. Guess we’ll see.

    • P2 completed course on 10/18/2024. Received $100 on 10/21.

      • I just checked and the PDF still shows that the courses must be completed by 10.17.24. That means 1 of the 2 things below.

        #1. They are not enforcing the terms of the offer.

        #2. They meant to require sign ups by 10/17 and the course completion by 10/31 but made a mistake on the PDF by switching the dates.

• @guest_1928032 @guest_1927638

  I just logged into my account and saw that the $100 posted to my Savings account today. So it seems like my theory that CCU posts bonuses once a week was correct. 😀

  • @guest_1927396
    Got it. Thank you
    Do you think it is worth trying P2 with donation since i see several rejections even with donation? Do they keep donation even if they reject you?

    • If I was you, I would certainly try for P2 with the donation option. A friend emailed me today saying that she was approved through the donation option so it seems to still be working.

      I'm pretty sure that they only charge for the donation if you are approved as it gets taken from the Savings account.

      • It did work. Jut have to complete the course for her until 17th

  • Yep you were right, it showed up for me as well today :)

    • @guest_1927244 @guest_1927511

      You both might want to check your Savings accounts also for a likely nice surprise. 😀

      • Thanks for the heads up. Just checked and saw it was posted to the savings today :)

      • Nice got it too

        • @guest_1927771,

          I just wanted to tag you also to let you know that we all received the bonus just in case that would push that over the edge to make it worth it for you.

          Remember 10.17.24 is the deadline to complete the courses to qualify for the bonus.

        • Thanks @guest_1927396 but I've got enough irons in the fire at the moment.

• Received $100 campaign reward posted to the savings account.

  • Yep, $100 rewards showing in savings account too.

• Hello,

  How to get a Unique Member Code ?

  I cannot print a certificate of completion,

  • You just use your member # in that spot.

• We sincerely appreciate your interest in becoming a member of Coastal Credit Union. Currently, we are unable to process your application for membership due to the following reason(s):

  Not eligible for membership due to being out of Coastal Credit Unions area of Footprint/Out of State Residency.

  Thank you for your interest in becoming a member of Coastal.

  However, if you are relocating to North Carolina, we would require proof of residence for NC to proceed.

  Sincerely,

  Digital Advisory Team

• I just received an email with the subject "Your Coastal Debit Card Order!". That's nice that they shipped me my debit card but where's my $100 bonus??? 😀

  • Same here. NO bonus yet but got email about the card.

• Did any of you try to fund additional accounts to see if credit card funding is allowed?

  • Yes.

    To answer your followup questions, I was able to select up to $5k CC funding and my Visa was accepted. There was an instant soft pull on EQ and it went pending.

    Soft on (frozen) Chex the next morning I received a denial email. "You will receive a letter in the mail..."

    The adverse action notice finally came today. The reason was "Other, specify" and the specification was "Please re-apply and provide an alternate funding method".

    There was no mention of Chex but they listed the reasons my EQ is not higher than 847.

    AFAIK there was no attempt to bill my CC (I am signed up for notifications).

    • Coastal limited it to $1k for new application. Maybe it needs to be $1k or below?

      • It was only $1k when I opened my membership so I was surprised to see the $5k. Could be they lowered it for additional accounts too and didn't update the page yet.

        But I was thinking maybe someone else found it first and was cycling it too fast so now they're on the lookout.

        I funded $1k with the same card when I opened my membership & checking so it definitely wasn't the flavor of CC.

• Called in and they said I was rejected because OOS.

  • Same — what was the point of offering a donation option