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Boomer
Boomer (@guest_1207757)
June 16, 2021 15:41

No luck OOS

Shaina
Shaina (@guest_1115356)
December 21, 2020 23:25

I’m in Texas but would like to open an account. Are they yet allowing out-of-state folks to join? I am a member of the American Consumer Council which has gotten me in at other out-of-state CUs.

Davis
Davis (@guest_1191430)
May 14, 2021 13:56

I just called and they said it’s only for Wyoming residents or spouses of members, so I think the OOS option is dead.

Shirley
Shirley (@guest_952959)
April 6, 2020 18:33

 William Charles Rate has been reduced to 3% as of April 1

Curmudgeon
Curmudgeon (@guest_853903)
December 5, 2019 23:46

WyHy now offers mobile check deposit per email I just received.

Curmudgeon
Curmudgeon (@guest_393391)
April 21, 2017 14:47

I gave my email / telephone # to the rep I was chatting with and she said they would (hopefully) contact me if they find a way to open this up to out of state people. A few minutes later I actually got an email from them with contact info, which gives me a reason to be hopeful.

I will probably be driving through Cheyenne in a few months anyway, but it would be great if we could do this online.

Maybe you can get readers of this site added as a “select employer group”? 🙂

Shirley
Shirley (@guest_572026)
March 19, 2018 20:02

Been almost a year and was wondering if you were able to find out about opening an account for out of state people?

Curmudgeon
Curmudgeon (@guest_580681)
April 11, 2018 23:58

I successfully opened an account today over the phone. Sent Will a list of new information to update the post.

Shirley
Shirley (@guest_581979)
April 15, 2018 21:16

Good deal, was hoping to hear back from you on this.

Been a long time since I’ve opened an account on line so a couple questions if you don’t mind.

Did you have any problems opening on the phone? What kinds of questions did they ask? Do you think they are chex sensitive? Did you have to provide any documentation? How did you fund the account? Have you received your debit card? How is their online account?

Thanks

Curmudgeon
Curmudgeon (@guest_582029)
April 16, 2018 00:44

No problems at all. Rep was very friendly and helpful. Questions were standard – name, address, occupation, reason for account, etc.

Seriously doubt they are Chex sensitive. I’ve opened at least a couple dozen accounts in the past 2 years. They did use Trans Union for the hard pull, which is fine by me since not a lot of places use TU.

I had to use DocuSign to sign their account opening paperwork, then send a copy of my drivers license via email, along with proof that I had joined a qualifying organization.

They set the account up and I will fund with ACH, but you can mail in a check if you want. There will be a hold on funds if you mail a check. Once my trial deposits are done I’ll move funds in.

Don’t have the debit card yet, should get this week. Online account is pretty basic. The backend is run by NetTeller like another credit union account I have. I don’t think they have ACH ability, so you’ll need to push/pull from outside accounts to move funds around.

You also get the 4% interest rate the first month without having to meet the requirements, which gives you time to get things set up.

Shirley
Shirley (@guest_582038)
April 16, 2018 02:20

Sounds good.

Did you get any sense of whether there is a minimum $ amount for the debit purchases?

What qualifying organization did you join?

Curmudgeon
Curmudgeon (@guest_582045)
April 16, 2018 03:19

I specifically asked about debits – no minimum according to rep. I joined the Cheyenne Ski Club for $25, but found out when I called I could have joined the local animal shelter for $10.

Shirley
Shirley (@guest_582269)
April 16, 2018 15:50

That’s great. I saw the Cheyenne animal shelter so would go for that.

What about the 12 debit card uses. They say PIN or signature based, do you think online use to pay bills, Amazon refills or make purchases would also count?

Curmudgeon
Curmudgeon (@guest_582281)
April 16, 2018 16:08

Amazon works for my other accounts, should work here. I won’t know for sure until next month though.

Shirley
Shirley (@guest_583325)
April 18, 2018 11:36

I went ahead and messaged them to see if I could get some clarification about debit card usage and a couple other questions, here’s what the response was on the debit card usage:

“The 12 debit charges do not include online purchase. The purchase must be in person debit card purchase at a point-of-sale”.

“There is not a minimum dollar amount on the debit card purchases, however per our membership agreement we can close this checking if we believe the sole purpose of the activity is to qualify for the rewards, such as all 12 debit charges are for $1. The intent behind this checking is for our member to use it as their primary checking in order to justify paying the 4% interest”.

Have to think about this one, I just don’t have many needs in which I use a debit card if I can’t use it online to pay bills and online purchases.

Curmudgeon
Curmudgeon (@guest_583355)
April 18, 2018 12:40

You can buy a drink at McDonalds for $1 every day, or use the self checkout at the grocery store and buy one item at a time. That’s what I do with the Amex Everyday card to get the 30 purchases needed for the bonus.

Shirley
Shirley (@guest_583389)
April 18, 2018 13:58

That’s true though wonder how they’ll look at those purchases given their second answer about using it as a primary checking?

Guess one just has to try and see which way they’ll go. Will be interested in seeing your comments as you start using your card.

Curmudgeon
Curmudgeon (@guest_601534)
June 1, 2018 17:31

My May statement just closed and my 50 cent Amazon reloads worked just fine for the debit qualification. 😀

AK
AK (@guest_612798)
July 4, 2018 10:58

Did they post as POS withdrawals or Debit card withdrawals?

Is there any way to see if you have already met the DC requirement for the month?
The dividend rate still shows 0.00%

Curmudgeon
Curmudgeon (@guest_613031)
July 4, 2018 23:20
  AK

They posted as:

Debit Card Withdrawal: Debit Card Amazon.com AMZN.COM/BILL WA (then the date and a bunch of numbers).

The only place I see the dividend rate is when the interest posts. Mine says “Dividend Deposit: Split Rate Annual Percentage Yield Earned 3.99% from 06/01/18 through 06/30/18”

Are you doing the ACH transfer or direct deposit each month?

AK
AK (@guest_613050)
July 5, 2018 01:26

I did both ACH and DD.

My DC purchases at grocery store (Walmart) posted as “POS Withdrawal”, not DC Withdrawal.
If I click on the Account Info tab, it shows 0.00% dividend rate.
Could you please check your account info tab for dividend rate after you make 12 Amazon reloads?

Curmudgeon
Curmudgeon (@guest_615317)
July 10, 2018 17:04
  AK

My debits posted yesterday or today. Account info tab shows rate at 0%. Maybe it changes at the end of the month.

I’ve done Amazon debits and an ACH transfer for the 4% rate for the past two months, so I don’t see why it would fail now.

Looney Tunes
Looney Tunes (@guest_627805)
August 7, 2018 18:18

Any update on your last comment concerning the info tab showing a rate of 0%?

Curmudgeon
Curmudgeon (@guest_627870)
August 7, 2018 22:47

I checked that tab a few times. It never showed anything but 0%, but I still got my 4% (annual) interest for the month.

I don’t think that is going to be a reliable indicator. Just have to wait and see how much interest posts.

Curmudeon
Curmudeon (@guest_393348)
April 21, 2017 13:40

Talked to a rep via chat. To open an account, you need:

– to be a resident of Wyoming
– to have a family member that has an account there
– to work for a “select employer”, list here: https://www.wyhy.org/About-Us/Select-Employee-Groups.aspx

The rep said they had lots of interest from people outside the state and are looking at ways to let them join, but it sounds like just driving through isn’t going to work.

Ken
Ken (@guest_393456)
April 21, 2017 16:22

That’s interesting, as I was told that I could join the Cheyenne Ski Club for $5 even though I live in CO.

Curmudgeon
Curmudgeon (@guest_393541)
April 21, 2017 19:22

Maybe because you live in a connecting state? I’m a few states away, so maybe that’s why I wasn’t given that option.

For $5, I’d take it!

Ken
Ken (@guest_393836)
April 22, 2017 10:44

A rep that has been emailing me. Also he said it is a hard pull to open the account. Might be worth it if it’s for TU, otherwise I’m out.

Ken
Ken (@guest_395721)
April 25, 2017 12:44

My rep confirmed they use TU.

Ken
Ken (@guest_392959)
April 20, 2017 20:59

Sent them an email, I’ll report back when I hear form them.

Ken
Ken (@guest_393425)
April 21, 2017 15:30

They said I could open an account in CO if I join 1 of 3 groups with the cheapest being $5 for a ski group. I’ve asked a few additional questions and will report back.

Ken
Ken (@guest_393472)
April 21, 2017 16:34

When does a hard pull NOT impact your score? This is what they said, so if it is in fact a hard pull I won’t be doing this.

It is hard [pull], but because it isn’t for borrowing funds, it doesn’t count against their credit.

NewHere
NewHere (@guest_392381)
April 20, 2017 00:59

It may worth a trip to WY. I’ve heard Yellow Stone is beautiful. I wonder if you have to live in WY to open the account.

Ken
Ken (@guest_392590)
April 20, 2017 11:57

+1. I’m in Denver and Cheyenne is only a 2 hour drive for me.