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NDrew
NDrew (@guest_1933764)
October 17, 2024 13:23

I applied for this account back in July and was denied for Chex. A few days ago I reapplied with Chex frozen and requested $1100 funding with Citi DC card. Yesterday I received an email asking me to unfreeze, and today I was approved. I’m in North Dallas area (Addison)

Eric
Eric (@guest_1933778)
October 17, 2024 13:35

That’s interesting. Do you have your Chex stats for when you applied each time?

SG
SG (@guest_1933791)
October 17, 2024 13:43

I was denied in Jul as well, what were your Chex stats before recent approval because I believe they are bit chex sensitive?
X/1,X/3,X/6,X/12

Jason Lorez
Jason Lorez (@guest_1925569)
October 4, 2024 12:27

Funding $1100 (the maximum allowed) with a US Bank Biz Leverage failed, but succeeded a Chase Sapphire Reserve

SP
SP (@guest_1918534)
September 24, 2024 15:46

Anyone closed their account after receiving the bonus. How did you do it, phone call or secure message?

SP
SP (@guest_1930606)
October 11, 2024 16:19
  SP

Update: I closed by sending secure message to EECU on the account.

Terp
Terp (@guest_1931439)
October 13, 2024 09:30
  SP

No early termination fee?

SP
SP (@guest_1932242)
October 14, 2024 22:04

No, they did not charge me any.

Terp
Terp (@guest_1932244)
October 14, 2024 22:05
  SP

Thank you!

Peej
Peej (@guest_1918370)
September 24, 2024 11:50

Don’t bother applying if you live outside of DFW. I live in Austin:

8/21: applied
Online application status says that they’ll let me know decision by mail within 30 days
9/24: still no mail, so I called and they said that it was declined because I don’t live in DFW. I asked why it wasn’t listed on the website, and they said that it’s a new rule.

Kevin Johnson
Kevin Johnson (@guest_1910653)
September 12, 2024 18:18

soft pull? had to authorize to pull record

Jimmy Johns 🔗
Jimmy Johns 🔗 (@guest_1906218)
September 6, 2024 02:20

Applied from Houston, got through application and uploaded DL. Next day rep stated they’re only opening accounts for DFW. Burned a Chex pull, tempted to drag the whole family to Dallas to churn them for not specifying DFW on their site.

Pickle Rick🔗
Pickle Rick🔗 (@guest_1906282)
September 6, 2024 07:50

You might be wasting your time. OOF wasn’t allowed in branch when I applied in July, and I’m about 1.5 hours outside of DFW.

The site does actually specify counties surrounding DFW here, but it also claims eligibility is available through a complimentary EECU Community Foundation Membership. I was on a spree when I tried, and I forgot that it was listed as an option.

Eric 🔗
Eric 🔗 (@guest_1906284)
September 6, 2024 07:55

Have you tried applying online?

Pickle Rick🔗
Pickle Rick🔗 (@guest_1906287)
September 6, 2024 08:16

Nope. I’ve had some issues opening accounts online for identity verification, and EECU also seems semi-sensitive to Chex. My Chex is 3/1 7/3 11/6 23/12 right now.

I can prove my identity and talk through Chex in person, but those issues plus OOF make denial online likely. Not worth wasting a Chex pull IMO.

Rocket
Rocket (@guest_1906775)
September 6, 2024 22:53

My p2 got approved online with a McLennan county address. I’m in DFW, but haven’t opened mine yet. I sent p2 $1,550 from Fidelity and they received the $300 bonus next day after Fidelity posted.

Txstars10
Txstars10 (@guest_1905452)
September 4, 2024 21:13

8/31: Applied went pending, 5 minutes later received a text to upload my DL and then received conditional approval
9/3: Received text that I will receive their decision in the mail, called in and was denied due to “not being in DFW”. In Texas, but not DFW.

Seems I passed the Chex test if helpful: 0/1, 1/2, 2/3, 3/6

NMBBFun
NMBBFun (@guest_1904119)
September 2, 2024 21:42

Quickest bonus ever.
Successful DP here for P2 (TX resident), P1 application rejected due to chex at branch
8/24: Applied online, chex 5/24 & 4/8, conditionally approved, uploaded DL. Chex entry same day.
8/26: Called customer rep, verified myself, he approved. Added to schwab brokerage account, waiting for micro deposits.
8/27: $25 Initial deposit seen. Micro deposit credit transactions seen, micro debit didn’t work since account is still new & under freeze
8/28: initiated $1502 push from schwab account
8/30: schwab push completed.  $300 bonus credit with comment “Deposit CHECKING BONUS”
8/30: Addition of EECU account to SoFi worked after 4 days. Pull transfer initiatied from SoFi. Same day debit from EECU, funds on-hold at SoFi.

Ronnie
Ronnie (@guest_1911133)
September 13, 2024 11:37

Are you in the DFW area? TX resident here, but ~200mi from DFW, not sure if I’ll get approved

Ann2189
Ann2189 (@guest_1911919)
September 14, 2024 19:30

I am in San Antonio and got denied

NMBBFun
NMBBFun (@guest_1902950)
August 31, 2024 11:50

Quickest bonus ever.
Successful DP here for P2 (TX resident), P1 application rejected due to chex at branch
8/24: Applied online, chex 5/24 & 4/8, conditionally approved, uploaded DL. Chex entry same day.
8/26: Called customer rep, verified myself, he approved. Added to Schwab brokerage account, waiting for micro deposits.
8/27: $25 Initial deposit seen. Micro deposit credit transactions seen, micro debit didn’t work since account is still new & under freeze
8/28: initiated $1502 push from Schwab account
8/30: Schwab push completed.  $300 bonus credit with comment “Deposit CHECKING BONUS”
8/30: Addition of EECU account to SoFi worked after 4 days. Pull transfer initiated from SoFi. Same day debit from EECU, funds on-hold at SoFi.

M
M (@guest_1902656)
August 30, 2024 17:23

Any reason why i keep getting denied by cu’s but approved by banks?? Chex is 7/2024

NMBBFun
NMBBFun (@guest_1902951)
August 31, 2024 11:51
  M

same here, it worked earlier with CU but this CU is strict.

vc
vc (@guest_1905472)
September 4, 2024 21:43
  M

I stop applying with CU after a few declines bc of Chex or when I already know that I have a lot. I then focus on banks. Most of the inquiries on my Chex are from CU. Only a few are from banks. I think that banks tend to use other things, like EWS.