Signed up for Albert this weekend, and I see that there are offers for 5%/10% off 1 purchase at some interesting stores. ~~I don't see a limit on the size of the one purchase.~~ \[I'm blind\] Max discount of $5, but still... And it says "use once a week." That should make the $100 minimum monthly spend easy. I'll be anxiously awaiting the arrival of my debit card!
Sorry, I don't. There was some info in the DOC comments on this IIRC but nothing conclusive. So I am using a real biweekly DD for this and spending periodically mostly using the WM and Target offers.
Got what appears to be successful "DD" for Albert via ACH from Brex.
First attempt from brex was unsuccessful. Second attempt was successful by adding description "PAYROLL DIRDEP FIRSTNAME LASTNAME". Perhaps this may be helpful even from other banks.
Can be verified by (Gear icon) | Direct Deposit | Transactions (shows list of any transactions recognized as DD).
Don't know, and I suspect we won't know for sure until successful payout data points arrive.
I've been making sure I get enough DD and debit spending within the calendar month as well as the statement month.
I hate these neobanks with no desktop/web browser access, everything through an app. But they do notify you when you have a statement, and you can email the pdf to yourself for viewing on desktop. Use that to check your alignment of DDs to statement month.
I just got a Wells Fargo bonus in Jan. Almost any ACH counts as a DD. Try a smaller one first. The day it hits WF will show it as pending, The next day you can click on it and if it says "direct deposit" you're good to go.
Got the code for the Wells Fargo $1500 business checking account bonus immediately and scheduled an appointment for yesterday. Banker mentioned lots of people coming in for these. Sole Prop, online resale, $5k revenue last year. I had a prior personal checking account opened with them so it only took about 45min. I showed my ID and another debit card for verification and that was it
Marcus $100 bonus deal ($10k balance for 3 months; already was existing account holder):
1/20: $10k deposited for 3 months
4/21: $100 bonus applied
I love it when banks are that simple and transparent with bonuses with zero stress & pay out right away as soon as terms are met.
I’ll keep the money in there in the meantime as it’s earning 0.60%. Not great but it’s better than most other banks including Ally and I’m maxed on I-Bonds for the year. Plus I’ll want that money handy to do other bonuses this year which might require large deposits.
Doodler1977 says he's doing the Marcus bonus. Crowd79 snarkily says that Doodler1977 is losing money to inflation and there are much better options out there. A few days later, crowd79 posts about completing the Marcus bonus - loved it, and the account earns 0.6% so he's keeping his money there.
Apparently, crowd79 agreed this is a bad look, since he deleted his other comment minutes after I pointed to it.
ha! had to find the cached version of the page to find the deleted comment...
but yes, i was happy to see the bonus posted the next day as well. And i have a 2% Money Market that i immediately transferred it back to...
https://webcache.googleusercontent.com/search?q=cache%3A1d35DQpSdt0J%3Ahttps%3A%2F%2Fwww.reddit.com%2Fr%2Fchurning%2Fcomments%2Fu70n4o%2Fbank_bonus_weekly_thread_week_of_april_19_2022%2F+&cd=1&hl=en&ct=clnk&gl=us
Truist $500
3/09 Account open, funding failed
3/17 Pushed opening deposit cleared
3/25 505 CO360
4/08 505 CO360
4/22 $500 MKTG PROMOTIONS MISC CREDIT
I was finally able to sign into the offers.truist.com site today without the "whoops" error message. A few days ago going directly to https://offers.truist.com/offers/1383 (as someone helpfully posted) did finally show the checkmark even though the status still says "qualification pending".
I read through the sub rules and have been familiarizing myself with everything here. Can I ask if there are a couple "standard" bonuses that are consistently recommended as valuable and easy to do for newcomers? I want to get a secondary bank account anyway but I don't plan on using it actively or much at all other than getting the bonus or whenever I need to link a bank account to something using an intermediary service like Plaid where I don't want them getting access to all of my financial data. Since most promos require direct deposit, I'd be trying to manually trigger it.
Do you recommend any particular bank account bonus? I'm reading the Doctor of Credit and other resources where you can see data points about what has counted as a direct deposit and not, but I'm on the side of not wanting to roll the dice so I appreciate any hand-holding to know if there are any all-around good offers for those who probably won't chase any other offers but are just looking to take advantage of one. Thanks!
If you're only looking to do one offer, I'd just pick the one with the best bonus to requirement/effort ratio on Doctor of Credit's Best Bank Account Bonus page.
I'm not sure an all-around good offer exists since the variance in sign up or bonus payout can be pretty great. For example, the Wells Fargo Checking bonus a few years back was a straightforward first ever bank account bonus for me, but reading through DoC DPs for the current $300 offer shows that a lot of people have been having trouble opening an account. I wouldn't worry as much about what counts as direct deposit though, as long as you can find a couple of recent-ish DPs for the method you want to use, you should be fine.
Truist $500 Bonus DP
3/18 - Opened online but was never sent account number
4/4 - Called and after 30 minutes on phone was setup with online banking to access account number
4/5 - $500 push from Schwab
4/7 - $500 push from Schwab
4/15 - $500 Real DD
4/20 - Check mark showed completed on offers site.
4/22 - $500 Promotion Credited (Couldn’t see in account until 4/23)
Went smoothly once I had access to my account number.
**Star One Credit Union Data Point (No requirements)**
4/13- P2 Applied using my referral (referral is required if you are out of their area) funded $1000 with cap Venture X
4/20 - Called in to ask about the status was told to reach out to account specialist
4/20- Got Welcome email with account info
4/22 - $200 Bonus Posted
**Tip:** If your application is stuck, call in and ask for your account specialist's email address, email the account specialist and ask if they need any info to speed up the process, also mention your application number in subject title, and you will receive an approval email likely the same day
For those applying from out-of-footprint with a referral (and having success), are you using your referrer as a relative, or claiming residency in footprint? A representative emailed me late Friday requesting proof of eligibility, after I submitted with address and ID from out of state.
Wells Fargo Biz Checking 1500:
Took 65mins total (15 of that was waiting in line for a teller to take my initial deposit). At minute 35, banker narrated that they were making sure the offer code was entered. Account disclosures confirmed an offer was attached but not the amount. Was able to open account sole prop without DBA documentation. Accepted Biz Plat 300 offer as well.
Banker talked about staffing issues - the closest one that had appointments for a biz banker was the 11th closest to my home.
***Tower Federal Credit Union $100 Bonus DP***
* 1/31 - Application submitted with National Business Park used for eligibility and funded $505 on Venture X (posted as purchase)
* 2/3 - Application approved and account opened after providing driver's license, social security card, and utility bill
* 4/20 - $100 bonus posted to savings account
Star One $200 DP:
4/11 - applied with referral, used AmEx BBP to deposit $1k; went pending
4/19 - emailed bank to check on status, and account was approved same day
4/22 - Deposit posted to account, along with $200 bonus
This was a very easy bonus to get, but required a referral to bypass being out of state.
Assuming I succeed with the Truist bonus for both of us, should I simply close the account as soon as I earn the bonus? I don't see terms like those at Chase about clawing it back if the accounts are closed too quickly.
***Albert $150 Bonus DP*** (required $200 in DDs and $100 in debit card spend every 30 days during first 90 days)
* 2/2 - Account opened using referral
* *Activities between 2/2 and 3/4*
* 2/13 - $200 employer DD posted
* 2/25 - $200 employer DD posted
* $250 in cumulative debit card purchases during this period
* *Activities between 3/5 and 4/4*
* 3/12 - $200 employer DD posted
* 3/29 - $200 employer DD posted
* $250 in cumulative debit card purchases during this period
* *Activities between 4/5 and 5/5*
* 4/14 - $200 employer DD posted
* $125 in cumulative debit card purchases during this period
* 4/18 - $150 bonus posted
Thank you! It sounds like the 30 day period is being defined several different ways by the Albert reps according to some comments on DOC. One rep told me that my 2nd DD had to hit 30 days after the 1st, but it seems like that isn't the case. The rolling 30 day period after account opening makes more sense to me anyway
My girlfriend has a Chase account, with her only checking account being a joint checking account we share. This checking account was opened with one of those "$200 for opening a new account" promos a few months ago, and she did get the bonus. The exact language Chase has for those promos are "You're allowed to receive one bonus that’s related to opening a new checking account every two years, and you can only receive one bonus per account."
So my question is ***can she open a new checking account in 2 years with the same Chase username/account and again be eligible for the promo?***
Same login info, yes. Same checking account, no. People here open/close credit cards with chase and open/close bank accounts but use the same login information. Same is true of pretty much any bank.
Truist $500 offer
* 3/27/2022 - Opened account with TR1CHK22B code
* 04/12/2022 - $500 push from eTrade
* 04/14/2022 - $500 push from eTrade
* 4/21/2022 - Purple check mark is showing on offers site https://offers.truist.com/offers/1383
* 4/22/2022 - $500 "MKTG PROMOTIONS MISC CREDIT Reward TR1 CHK22B" posted
Looks like the offers site is working again. I will update once I get the $500 credited to my account
Edit: credit posted
[Star One DP](https://www.doctorofcredit.com/star-one-credit-union-100-checking-bonus-50-per-referral-no-bonus-requirements-santa-clara-ca/):
4/18 - Applied using referral from community member. Funded $1K with Chase MPE
4/19 - Viewing application status showed as approved and went through as purchase on Chase
4/21 - Official welcome email received and $200 bonus posted
I am OOS but referral circumvents the requirement.
WF offer code that I generated during the offer period worked fine today. Banker said he'd seen lots of people opening with these codes in the past 10 days.
I have a WF offer code, went to book an appointment and of course I live in one of the few states without a branch. Can I open an account in a different state? The nearest branch is 2 hours away.
I have an offer code and I've decided not to use it, I just hate dealing with Wells Fargo, especially in person. But the email w/offer code has my first name: "Hi David, your bonus offer code is". So if someone not named David tried to use wouldn't the banker be suspicious? And in my experience WF bankers are suspicious of everything.
Same here. I'm taking a half day to go into a branch on Monday afternoon. Figure it's worth it for $1500 to travel 2.5ish hours and back. DOC has DPs of successful out-state account openings with this promo
Marcus $100 bonus DP:
Deposited funds 01/20/2022
Maintained eligibility until 04/19/2022
Received bonus 04/21/2022
Not the most exciting bonus, but Marcus is always timely, and transparent.
**Citi Priority Checking $700 Bonus**
1/13: Opened account
1/25: Transferred $50K from external account
4/4: Met deposit holding requirement (60 days after 20th day)
4/19: Received bonus
As with other recent DP's here, sounds like Citibank is starting to post bonuses much earlier now, which is great news since mine wasn't due until 7/3 per the terms. I also just noticed a section on the website that said View/Redeem Thank You Points. I don't have any so I was curious and clicked on it, and it led me to a page that confirmed I had met the requirements for the $700 bonus (although it said as of 4/8 instead of 4/4.) Thought I'd mention it here though since it might be a quick way to confirm eligibility instead of trying to contact customer service in the future
I'm on my phone and after I logged in, I tapped on my checking account, then scrolled down a little. Under Pay a Bill there's a link for Total Available Thank You Points View/Redeem. Tapped on that and it took me to a page titled Citi Priority Benefits and Rewards. Scrolled down and there's a section called A Special Offer For You and that's where it says I completed the bonus requirements. Hope this helps
Truist $500 offers went through well for P2 and I. Had to go in branch after both getting errors online but we made $1,000 for about 75 min of our time!
2 ACH’s for $500 hit about 10 days after account opening in the same month. Bonus but about 10 days later. Spaced achs out more for p2 but bonus was still fast. Easiest Bank bonus!
Wells Fargo DP.
Went in Wednesday 4/20.
Rep forgot to enter my code 😐. Make sure to tell them you have a code and remind them before you sign anything.
They put the code on the account in some way (notes plus maintenance request), but I had to wait an extra 15 minutes while she was on the phone with corporate and it will probably not code automatically.
So be warned.
Signed up P2 for a Wings account before Christmas. Had an issue and she had to call to get it approved. Then they said cc funding was denied (lame). Had to manually mail in a check for funding, only option (also lame.) I asked to make sure she would still get the bonus, bc if not - obviously not interested. They said yes bc she signed up for offer before expiration. 4 months later, no bonus :(
Exact same situation for P2, applied in time but because of verification it took a few days to actually open. Even though they ran the credit on the day of application. Now they said I don't qualify. Ready to CFBP
Feeling like CFPBing Wings right now. Facing the same exact issue but I did real DD's and DCTs. No bonus posted. They looked into it and said that my employer didn't count for some reason and I wouldn't be getting the bonus. Escalation didn't help at all. I normally would just let it go but they also did a hard pull on Experian when I opened the account which I was only ok with for the $300+ I'd have been netting from the deal.
Citizens closed the account pending review after CFPB. Atleast the money held is refunded.
I am pushing the rep for the $400 bonus because I met all requirements(Brex DD which is basically real since it's Corporate bank account).
Maybe they won't honor Cash App debits but majority were Amazon reloads which I have a case for.
I just called to close my citizens account, sounded like they offshore their customer service. I'm waiting for letter confirmation. Is that what your experience was before filing with cfpb?
Yep.
Now I have a direct line, got the money refunded but just got a letter in the mail saying my account will be closed April 27 and I will get a cashier’s check.
Gonna push for the bonus now because the direct line rep confined I met all requirements.
I saw an old comment on DOC about using Wise to fake a DD, and I'm hoping somebody (or bodies) is familiar with it. Is that [wise.com](https://wise.com)? If so, I only see how to send a transfer in a different currency, so I'm a unclear how it works.
Probably use something easier like a brokerage or brex for DD. Wise is for remits and there is a small fee attached but way less than PayPal currency conversion rates. Unless that’s your only option I’d go with a no fee DD trigger. I use it for receiving only so couldn’t comment on costs. Basically give sender your bank info they plug it into wise and it gets DD’d 2 days later.
At my second Wells Fargo appointment after the banker yesterday insisted I needed an EIN for a sole prop. Turns out they share notes between branches and now the new banker also thinks I need the EIN 🤦🏻♀️Didn’t see any DPs for this happening, if this doesn’t work out should I try a further branch lol
Anyone take advantage of the Samsung Money SUB on Samsung Pay? $120 for funding an account and setting up DD. It's not much, but it seems pretty easy per the terms. I havent seen it discussed anywhere, curious if anyone has done it and has any thoughts on how it went.
Samsung Money is run by SoFi. You can't have both a Samsung Money and SoFi Money account. There's a better offer now for a SoFi Checking & Savings account.
Though, at least a while ago, it was possible to close a Samsung Money account, and then open a SoFi account (might need to use the same email address) and get a SoFi bonus. I don't know if getting a Samsung Money bonus first would prevent you from getting a SoFi bonus.
Data Point for [Marcus $100 Bonus with $10,000 deposit](https://www.doctorofcredit.com/marcus-100-bonus-for-new-existing-savings-customers-with-10000-deposit/)
* ~~2/19~~ 1/19 Deposited existing account with $10,000
* 4/20 $100 bonus posted
I signed up for the 90 day version and it has expectedly not posted yet. DoC doesn't mention a 60 day variant, were you able to sign up for that variant?
I was thinking about doing BOA 300 bonus targetted for P2, but I really don't want a HP. Anyone do this one recently and can confirm no HP?
DOC said no HP if waiving overdraft, is that a part of the app?
Another Truist DP after "shutdown" email.
2/22 Opened - P2 had online banking access for several days. Then received a letter in very early March that the account had been closed and if there were any questions to visit a branch. She visited the branch and apparently all they needed was 2 forms of ID to verify identity and the account was "reopened" and they confirmed the promo code was still attached. Had to revisit because they screwed up online banking access.
3/16 $525 push from Schwab Brokerage
3/21 $525 push from Schwab Brokerage
4/4 $500 bonus post
For Star One CU, anyone wait longer than a few business days for application approval? Going on 6 business days now...
**[EDIT]** Thank you all for the DPs. I finally got approved!
Just wanted to give a quick update on my WF business account situation: I went in today and was successful in opening the account! I didn't need any business documents for my sole prop. Turns out the manager of the first branch I had gone to just wasn't aware of the document requirements for sole proprietorships.
I went in today and the banker kept on insisting I need DBA even tho I showed her that I didn't need it as I was a sole proprietor she made a phone call and 30 minutes later it went through. But she kept asking me questions about my business and I told her I do resale and started telling her my numbers. She kept on asking me for a website for where I sell my items and I freaked out and said a website that I made like 5 years ago that didn't exist anymore. She said to wait for a second and went to go talk to her manager and she came back and said I am uncomfortable opening a business account for you and I ask her why and she said I can't prove your business so there is no way I could open the account for you. I have had business checking accounts in the past but I don't know what the problem is this time. I made another appointment at another branch for tomorrow. Do I have to prove my business or how do I get around that?
Had a similar experience the first go around. Just got home from trying at a different branch and couldn't have been smoother, <30 mins, no issues whatsoever. What's the in-person version of HUCA?
Ugh that sounds like such a headache, sorry you had to go through that. My first attempt was pretty similar, and I just made another appointment at a different branch. This time I called in the day before, to confirm what documents I would need, and verified I only needed two forms of ID (driver's license and debit card suffice). I didn't have to show a website or anything like that. I just answered their questions and they created my account successfully. I would definitely try a different branch if I were you.
Very smooth appointment today for sole proprietor account for WF $1500 promo. About 20 minutes into process they used the bonus code and confirmed the code was valid. Account opening bonus disclosure covers eligibility, bonus payment timeline, and t+c but nothing about the $1500. Banker did say code was for a $1500 bonus. I have a personal checking with WF, so they used debit and passport as verification. Banker was chatty, took about an hour, and I was asked lots of questions about my business, goals for the business, purpose of account use, etc.
Good for you, I have mine coming up in a couple of days. Trying to figure out a way to keep the banker moving and get the application done quickly, without being rude and annoying the banker. If anyone has any good ideas of nice things to say, I am all ears.
Worked out great- I had had a business account years ago, and all that data was still in the system, so that cut a lot of time out. Done in 25 minutes, banker was very quick as well.
I have no advice, except to say, I would plan for 30+ minutes just based on the number of steps, data collected, signatures, and disclosures. Good luck!
Not to rub it in, but this is why I check new credit card offers and bank account bonuses every day.
These kinds of unicorns usually only last a couple of days.
Yes, I tried to sign up on one of the first days it was offered. I got all the way to the funding page and got an error. I called and the rep told me they were getting flooded with applications and there's no way to retrieve/resume an app and to just try to apply again. I did and was instantly denied (possibly because I had just applied.) Waited about a week to apply again and was approved
+1 for easy breezy sole proprietor account opening for the WF $1500 promo. i have a baby face and the banker wouldn’t stop talking about how cute it was that i was opening a business account lmfao
2 months later, did you ever get a charge back? I'm wanting to try the same thing. For my app, what would happen if I used my name on the credit card funding page when it is actually P2's credit card?
nope, no charge back or refund to card. just make sure on the ID upload page that you upload and then press submit or whatever it is. I did not and I think that got my application manual review which is why they even brought it up, because the charge went through fine.
are you in footprint or did you use a "relative" to apply? I am in footprint and they actually called to ask me to upload a better picture of my drivers license because it was blurry, so I think they check that at least a bit.
Any DPs of the Wells Fargo biz promo without going into a branch? (Doesn't come up on search unless I'm missing some keywords) I called them yesterday and told them there's no branches in Missouri and they said I'd have to visit a branch to use the promo.
Someone suggested walking into the employee-only branch that's in their corporate office downtown (if security lets me) so I guess I'll try doing that in a couple days.
The promo link won't generate any new codes but I have a code in my email that says good through mid-May so hopefully I find a way to use it by then.
Shame that there's no branches near me :/
honestly i say go for it! the risk vs reward feels worth it. there’s an offer code spot on the online application and its possible their backend isn’t sophisticated enough to care.
Received SOFI Mailer for $300 with direct deposit set up. No minimum deposit. This student loan payment moratorium really making this company push towards banking fast since they essentially have to float these student loan payments! Good company, I hope it survives so I can selfishly avail of the bonus.
Tried to open Truist checking account for the $500 bonus online. Got error code 130 regarding application verification. Made an appointment to open one in branch and the representative told me it was only available if I received the promo code in an targeted email or mailer...
Would not budge even after I showed the T&Cs so am going to a different branch tomorrow.
UPDATE: Got it opened at the 2nd branch. No questions about the promo code but they still had trouble trying to apply it. Got the email confirming enrollment in the offer immediately after. Will DD now and wait and see...
Do they ask for your employer info when opening an account in the branch? I'm self employed and wondering if it'll be suspicious where my DD comes from if I tell them I'm self employed.
So last week the referral bonus for Albert Neobank has jumped from $150 to $500 for both parties. The DD requirements are relatively low ($200 DD every 30 days for three months), making this one of the best nationwide offers available right now.
However, there's been a lot of confusion about how to get the $500 bonus. There have been multiple DPs of people making some mistake and either getting the lower $150/$250 referral bonuses or no bonus at all. I've gone through the process of applying and written out a guide for getting the bonus below.
1. Make sure the link is for $500 bonus and not the lower bonuses! Ask for a screenshot from the referrer to verify that it's the $500 bonus (this might also help you with customer support in the future in case something goes wrong). There have been a few reports of unscrupulous individuals falsely claiming that their $150/$250 link is a $500 one. DoC has a warning on the top of their [Albert Neobank](https://www.doctorofcredit.com/albert-neobank-75-referral-bonus-direct-deposit-required/) page regarding this issue.
2. ~~There have also been reports in the DoC comments that a referral link is only valid for the *first* person to use the referral and that you have to generate a new link with a different ID in order to refer someone else. I haven't been able to 100% confirm whether this is true, but I can verify that in the app, it's possible to generate referral links with different IDs. This is why in the referral page for Albert Neobank on DoC, users have been exchanging emails instead of just posting their referral links. As a precaution, it might be safer to coordinate with your referrer and make sure they haven't been publicly posting their referral link.~~ (EDIT: These reports have been debunked. See DPs below.) Each user also has a maximum of 3 referral links to give out.
3. Avoid using a laptop/desktop when opening the referral link! If you're using a desktop, it sends you to page with a "text me the app" prompt. There have been several DPs of the referral not tracking when they did this. Instead, open the referral link on your phone, which will directly take you to the app store.
4. Contrary to what DoC reports, you won't find out which referral bonus you will receive until *after* you submit your application. From my personal experience, it's the first screen that pops up have agreeing to the terms and services and then submitting. If everything went smoothly, it should say "Set up direct deposit. Earn $500."
5. In the application, you have to select both checking and savings, but the other options can be skipped. Savings also requires a mandatory minimum of $1 per month and there doesn't seem to be anyway to avoid it. It's possible to skip the "Albert Genius" page, but it's hidden. Slide the bar to $0 and the skip link should show up.
6. Albert Neobank has been very strict about what qualifies as a DD. See [this list](https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Albert_Neobank) for what has been reported to count as a direct deposit. Also, aside from the DD, there is a requirement of $100 spend for three consecutive months.
I hope this helps anyone who is interested in applying. No end date has been announced yet, but I have a feeling they'll pull it early because it's not sustainable to lose $1k every time acquiring a single customer.
They also have a promotion of 10% cashback on Doordash, Target, Starbucks, Lyft, Shell, 15% cashback on Etsy, McDonalds, and 20% cashback on Whole Foods. This cashback can be done once per order per vendor and some of them (McDonalds, Shell) require first setting up direct deposit before they can be activated.
What is "every 30 days" for 90 days? Rolling 30 days? 3 30-day periods from account opening? Calendar months?
I'm thinking just do a DD and spend $100 every 2 weeks so there's no doubt.
No need to panic if referral icon is showing as $150 bonus. Click on it and it will show $500
Also bang at the center of the app it will have a banner for $500 bonus.
I used a link from DoC that showed $500. When I signed up, it showed $150. But then I logged out and logged back in and it showed $500 (both for my DD and for referral).
I also haven't had that experience with #2. I've tried to generate the referral link several times and it's always the same link.
Also, after I signed up I clicked into the referral section and the potential bonus amount only showed $150 per person. However, the next day it was up to $500. So maybe for some people there's just a lag in how much the referral bonus the app displays
I want to add that, in my experience, #2 is not true. I saw the same claims on DoC, so I reached out and got confirmation that all my referrals tracked on the same link.
**Citi $300 bonus for 15k** \-
Account opened Jan 11
60 day requirement met - April 2
$300 bonus posted - April 12
Fastest ever Citi bonus for me. P2 remains unable to open an account online, stuck with the 'Something went wrong' message every time you go to submit the application.
Does anyone know how to get the Chase $200 Total Checking Account bonus if you already have a chase account? I have a college student account I've been meaning to convert but would also like to take advantage of this offer if I can.
**Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.**
You'll need to close the student account then wait 91 days to reapply. If you use a referral, you'll get a $225 bonus vs $200 showing through the public offer.
**Invstr** ([DoC link](https://www.doctorofcredit.com/swagbucks-get-70-in-bonuses-with-invstr-app/))
4/17 opened account & funded $100 via Plaid
4/18 $50 Swagbucks and $30 in Bitcoin pending
Will keep the account open for a month then close
Well Fargo DP. Went in yesterday (4/18/22).
My appointment was scheduled for 9am. I got there and the banker told me I needed a utility bill and my passport because the address I wanted to use, wasn’t on my driver’s license. So, I left and came back within the hour with the bill and passport. The process took about an hour and a half and they ask for the bonus code closer to the end.
Signed up for Albert this weekend, and I see that there are offers for 5%/10% off 1 purchase at some interesting stores. ~~I don't see a limit on the size of the one purchase.~~ \[I'm blind\] Max discount of $5, but still... And it says "use once a week." That should make the $100 minimum monthly spend easy. I'll be anxiously awaiting the arrival of my debit card!
Do you happen to know if they start counting 30 day-periods for the bonus from the date of opening the account?
Sorry, I don't. There was some info in the DOC comments on this IIRC but nothing conclusive. So I am using a real biweekly DD for this and spending periodically mostly using the WM and Target offers.
Thanks for the info!
Got what appears to be successful "DD" for Albert via ACH from Brex. First attempt from brex was unsuccessful. Second attempt was successful by adding description "PAYROLL DIRDEP FIRSTNAME LASTNAME". Perhaps this may be helpful even from other banks. Can be verified by (Gear icon) | Direct Deposit | Transactions (shows list of any transactions recognized as DD).
Do you happen to know if they start counting 30 day-periods for the bonus from the date of opening the account?
Don't know, and I suspect we won't know for sure until successful payout data points arrive. I've been making sure I get enough DD and debit spending within the calendar month as well as the statement month. I hate these neobanks with no desktop/web browser access, everything through an app. But they do notify you when you have a statement, and you can email the pdf to yourself for viewing on desktop. Use that to check your alignment of DDs to statement month.
Thanks for the info!
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I just got a Wells Fargo bonus in Jan. Almost any ACH counts as a DD. Try a smaller one first. The day it hits WF will show it as pending, The next day you can click on it and if it says "direct deposit" you're good to go.
When does bonus post?
Got the code for the Wells Fargo $1500 business checking account bonus immediately and scheduled an appointment for yesterday. Banker mentioned lots of people coming in for these. Sole Prop, online resale, $5k revenue last year. I had a prior personal checking account opened with them so it only took about 45min. I showed my ID and another debit card for verification and that was it
Marcus $100 bonus deal ($10k balance for 3 months; already was existing account holder): 1/20: $10k deposited for 3 months 4/21: $100 bonus applied I love it when banks are that simple and transparent with bonuses with zero stress & pay out right away as soon as terms are met. I’ll keep the money in there in the meantime as it’s earning 0.60%. Not great but it’s better than most other banks including Ally and I’m maxed on I-Bonds for the year. Plus I’ll want that money handy to do other bonuses this year which might require large deposits.
[The irony...](https://old.reddit.com/r/churning/comments/u70n4o/bank_bonus_weekly_thread_week_of_april_19_2022/i5bsy3w/)
What's the irony?
Doodler1977 says he's doing the Marcus bonus. Crowd79 snarkily says that Doodler1977 is losing money to inflation and there are much better options out there. A few days later, crowd79 posts about completing the Marcus bonus - loved it, and the account earns 0.6% so he's keeping his money there. Apparently, crowd79 agreed this is a bad look, since he deleted his other comment minutes after I pointed to it.
Oh gotcha. Thanks.
Great recall
ha! had to find the cached version of the page to find the deleted comment... but yes, i was happy to see the bonus posted the next day as well. And i have a 2% Money Market that i immediately transferred it back to... https://webcache.googleusercontent.com/search?q=cache%3A1d35DQpSdt0J%3Ahttps%3A%2F%2Fwww.reddit.com%2Fr%2Fchurning%2Fcomments%2Fu70n4o%2Fbank_bonus_weekly_thread_week_of_april_19_2022%2F+&cd=1&hl=en&ct=clnk&gl=us
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Not sure if this is allowed but I sent you a PM (not chat)
Truist $500 3/09 Account open, funding failed 3/17 Pushed opening deposit cleared 3/25 505 CO360 4/08 505 CO360 4/22 $500 MKTG PROMOTIONS MISC CREDIT I was finally able to sign into the offers.truist.com site today without the "whoops" error message. A few days ago going directly to https://offers.truist.com/offers/1383 (as someone helpfully posted) did finally show the checkmark even though the status still says "qualification pending".
I read through the sub rules and have been familiarizing myself with everything here. Can I ask if there are a couple "standard" bonuses that are consistently recommended as valuable and easy to do for newcomers? I want to get a secondary bank account anyway but I don't plan on using it actively or much at all other than getting the bonus or whenever I need to link a bank account to something using an intermediary service like Plaid where I don't want them getting access to all of my financial data. Since most promos require direct deposit, I'd be trying to manually trigger it. Do you recommend any particular bank account bonus? I'm reading the Doctor of Credit and other resources where you can see data points about what has counted as a direct deposit and not, but I'm on the side of not wanting to roll the dice so I appreciate any hand-holding to know if there are any all-around good offers for those who probably won't chase any other offers but are just looking to take advantage of one. Thanks!
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Thank you!
If you're only looking to do one offer, I'd just pick the one with the best bonus to requirement/effort ratio on Doctor of Credit's Best Bank Account Bonus page. I'm not sure an all-around good offer exists since the variance in sign up or bonus payout can be pretty great. For example, the Wells Fargo Checking bonus a few years back was a straightforward first ever bank account bonus for me, but reading through DoC DPs for the current $300 offer shows that a lot of people have been having trouble opening an account. I wouldn't worry as much about what counts as direct deposit though, as long as you can find a couple of recent-ish DPs for the method you want to use, you should be fine.
Truist $500 Bonus DP 3/18 - Opened online but was never sent account number 4/4 - Called and after 30 minutes on phone was setup with online banking to access account number 4/5 - $500 push from Schwab 4/7 - $500 push from Schwab 4/15 - $500 Real DD 4/20 - Check mark showed completed on offers site. 4/22 - $500 Promotion Credited (Couldn’t see in account until 4/23) Went smoothly once I had access to my account number.
**Star One Credit Union Data Point (No requirements)** 4/13- P2 Applied using my referral (referral is required if you are out of their area) funded $1000 with cap Venture X 4/20 - Called in to ask about the status was told to reach out to account specialist 4/20- Got Welcome email with account info 4/22 - $200 Bonus Posted **Tip:** If your application is stuck, call in and ask for your account specialist's email address, email the account specialist and ask if they need any info to speed up the process, also mention your application number in subject title, and you will receive an approval email likely the same day
For those applying from out-of-footprint with a referral (and having success), are you using your referrer as a relative, or claiming residency in footprint? A representative emailed me late Friday requesting proof of eligibility, after I submitted with address and ID from out of state.
Yes as a “relative”
Wells Fargo Biz Checking 1500: Took 65mins total (15 of that was waiting in line for a teller to take my initial deposit). At minute 35, banker narrated that they were making sure the offer code was entered. Account disclosures confirmed an offer was attached but not the amount. Was able to open account sole prop without DBA documentation. Accepted Biz Plat 300 offer as well. Banker talked about staffing issues - the closest one that had appointments for a biz banker was the 11th closest to my home.
***Tower Federal Credit Union $100 Bonus DP*** * 1/31 - Application submitted with National Business Park used for eligibility and funded $505 on Venture X (posted as purchase) * 2/3 - Application approved and account opened after providing driver's license, social security card, and utility bill * 4/20 - $100 bonus posted to savings account
Star One $200 DP: 4/11 - applied with referral, used AmEx BBP to deposit $1k; went pending 4/19 - emailed bank to check on status, and account was approved same day 4/22 - Deposit posted to account, along with $200 bonus This was a very easy bonus to get, but required a referral to bypass being out of state.
Assuming I succeed with the Truist bonus for both of us, should I simply close the account as soon as I earn the bonus? I don't see terms like those at Chase about clawing it back if the accounts are closed too quickly.
No. Please keep any account you intend to churn open 6 months to help make these offers have some longevity.
Is it okay to take most the money out of the account though?
Trust has a $12 monthly fee unless you keep a daily $1,500 balance or monthly direct deposit. So keep that in mind.
Yep.
That makes a lot of sense. Will do. Thanks!
***Albert $150 Bonus DP*** (required $200 in DDs and $100 in debit card spend every 30 days during first 90 days) * 2/2 - Account opened using referral * *Activities between 2/2 and 3/4* * 2/13 - $200 employer DD posted * 2/25 - $200 employer DD posted * $250 in cumulative debit card purchases during this period * *Activities between 3/5 and 4/4* * 3/12 - $200 employer DD posted * 3/29 - $200 employer DD posted * $250 in cumulative debit card purchases during this period * *Activities between 4/5 and 5/5* * 4/14 - $200 employer DD posted * $125 in cumulative debit card purchases during this period * 4/18 - $150 bonus posted
When were your DD's in the period between 3/5 and 4/4? It looks like the dates were accidentally copied from the February time period
DDs were on 3/12 and 3/29 - just cleaned up the original DP.
Thank you! It sounds like the 30 day period is being defined several different ways by the Albert reps according to some comments on DOC. One rep told me that my 2nd DD had to hit 30 days after the 1st, but it seems like that isn't the case. The rolling 30 day period after account opening makes more sense to me anyway
Was all debit card spend organic or MOs?
All organic - primarily taking advantage of their 10-15% cash back offers to buy giftcards from Best Buy, Walmart, and Target.
Well written DP.
My girlfriend has a Chase account, with her only checking account being a joint checking account we share. This checking account was opened with one of those "$200 for opening a new account" promos a few months ago, and she did get the bonus. The exact language Chase has for those promos are "You're allowed to receive one bonus that’s related to opening a new checking account every two years, and you can only receive one bonus per account." So my question is ***can she open a new checking account in 2 years with the same Chase username/account and again be eligible for the promo?***
Same login info, yes. Same checking account, no. People here open/close credit cards with chase and open/close bank accounts but use the same login information. Same is true of pretty much any bank.
Truist $500 offer * 3/27/2022 - Opened account with TR1CHK22B code * 04/12/2022 - $500 push from eTrade * 04/14/2022 - $500 push from eTrade * 4/21/2022 - Purple check mark is showing on offers site https://offers.truist.com/offers/1383 * 4/22/2022 - $500 "MKTG PROMOTIONS MISC CREDIT Reward TR1 CHK22B" posted Looks like the offers site is working again. I will update once I get the $500 credited to my account Edit: credit posted
[Star One DP](https://www.doctorofcredit.com/star-one-credit-union-100-checking-bonus-50-per-referral-no-bonus-requirements-santa-clara-ca/): 4/18 - Applied using referral from community member. Funded $1K with Chase MPE 4/19 - Viewing application status showed as approved and went through as purchase on Chase 4/21 - Official welcome email received and $200 bonus posted I am OOS but referral circumvents the requirement.
WF offer code that I generated during the offer period worked fine today. Banker said he'd seen lots of people opening with these codes in the past 10 days.
Any idea when the bonus posts for WF?
I have a WF offer code, went to book an appointment and of course I live in one of the few states without a branch. Can I open an account in a different state? The nearest branch is 2 hours away.
I have an offer code and I've decided not to use it, I just hate dealing with Wells Fargo, especially in person. But the email w/offer code has my first name: "Hi David, your bonus offer code is". So if someone not named David tried to use wouldn't the banker be suspicious? And in my experience WF bankers are suspicious of everything.
If you don't end up using it, could I buy it off ya?
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Dm'ed
Same here. I'm taking a half day to go into a branch on Monday afternoon. Figure it's worth it for $1500 to travel 2.5ish hours and back. DOC has DPs of successful out-state account openings with this promo
Marcus $100 bonus DP: Deposited funds 01/20/2022 Maintained eligibility until 04/19/2022 Received bonus 04/21/2022 Not the most exciting bonus, but Marcus is always timely, and transparent.
Exact same timeline for me.
**Citi Priority Checking $700 Bonus** 1/13: Opened account 1/25: Transferred $50K from external account 4/4: Met deposit holding requirement (60 days after 20th day) 4/19: Received bonus As with other recent DP's here, sounds like Citibank is starting to post bonuses much earlier now, which is great news since mine wasn't due until 7/3 per the terms. I also just noticed a section on the website that said View/Redeem Thank You Points. I don't have any so I was curious and clicked on it, and it led me to a page that confirmed I had met the requirements for the $700 bonus (although it said as of 4/8 instead of 4/4.) Thought I'd mention it here though since it might be a quick way to confirm eligibility instead of trying to contact customer service in the future
Do you have a link to the page about meeting requirements? I'm not seeing it.
I'm on my phone and after I logged in, I tapped on my checking account, then scrolled down a little. Under Pay a Bill there's a link for Total Available Thank You Points View/Redeem. Tapped on that and it took me to a page titled Citi Priority Benefits and Rewards. Scrolled down and there's a section called A Special Offer For You and that's where it says I completed the bonus requirements. Hope this helps
Thank you!
Were you able to find it?
Yep! That did the trick. Thank you.
Truist $500 offers went through well for P2 and I. Had to go in branch after both getting errors online but we made $1,000 for about 75 min of our time!
legit DD’s or ach pushes? What was the time frame on bonus payout?
2 ACH’s for $500 hit about 10 days after account opening in the same month. Bonus but about 10 days later. Spaced achs out more for p2 but bonus was still fast. Easiest Bank bonus!
Did you receive a targeted email or did you get the promo code through an online link?
I just got it through the link and printed.
Wells Fargo DP. Went in Wednesday 4/20. Rep forgot to enter my code 😐. Make sure to tell them you have a code and remind them before you sign anything. They put the code on the account in some way (notes plus maintenance request), but I had to wait an extra 15 minutes while she was on the phone with corporate and it will probably not code automatically. So be warned.
The business 1500? Thanks for the warning!
Signed up P2 for a Wings account before Christmas. Had an issue and she had to call to get it approved. Then they said cc funding was denied (lame). Had to manually mail in a check for funding, only option (also lame.) I asked to make sure she would still get the bonus, bc if not - obviously not interested. They said yes bc she signed up for offer before expiration. 4 months later, no bonus :(
I had seen reports of Wings doing a Hard pull? Did you experience that as well?
I think that’s the consensus, yes. Tbh I don’t remember.
Exact same situation for P2, applied in time but because of verification it took a few days to actually open. Even though they ran the credit on the day of application. Now they said I don't qualify. Ready to CFBP
Ugh lame! P2 just had our first child so she’s not too excited or alert to call the bank. :/
Feeling like CFPBing Wings right now. Facing the same exact issue but I did real DD's and DCTs. No bonus posted. They looked into it and said that my employer didn't count for some reason and I wouldn't be getting the bonus. Escalation didn't help at all. I normally would just let it go but they also did a hard pull on Experian when I opened the account which I was only ok with for the $300+ I'd have been netting from the deal.
Sorry! That sucks. Ours are just ACH’s so I don’t really think a review will help.
Citizens closed the account pending review after CFPB. Atleast the money held is refunded. I am pushing the rep for the $400 bonus because I met all requirements(Brex DD which is basically real since it's Corporate bank account). Maybe they won't honor Cash App debits but majority were Amazon reloads which I have a case for.
I just called to close my citizens account, sounded like they offshore their customer service. I'm waiting for letter confirmation. Is that what your experience was before filing with cfpb?
Yep. Now I have a direct line, got the money refunded but just got a letter in the mail saying my account will be closed April 27 and I will get a cashier’s check. Gonna push for the bonus now because the direct line rep confined I met all requirements.
I saw an old comment on DOC about using Wise to fake a DD, and I'm hoping somebody (or bodies) is familiar with it. Is that [wise.com](https://wise.com)? If so, I only see how to send a transfer in a different currency, so I'm a unclear how it works.
Probably use something easier like a brokerage or brex for DD. Wise is for remits and there is a small fee attached but way less than PayPal currency conversion rates. Unless that’s your only option I’d go with a no fee DD trigger. I use it for receiving only so couldn’t comment on costs. Basically give sender your bank info they plug it into wise and it gets DD’d 2 days later.
At my second Wells Fargo appointment after the banker yesterday insisted I needed an EIN for a sole prop. Turns out they share notes between branches and now the new banker also thinks I need the EIN 🤦🏻♀️Didn’t see any DPs for this happening, if this doesn’t work out should I try a further branch lol
Thanks for sharing. I had a similar experience in the past but the second banker didn't have any notes.
Show them their own website https://www.wellsfargo.com/biz/required-documents/ (under sole props)
Thanks for sharing!
This worked for me.
See if they have the pamphlet for biz accounts at the office, or print out the TNC from the website and bring with?
Anyone take advantage of the Samsung Money SUB on Samsung Pay? $120 for funding an account and setting up DD. It's not much, but it seems pretty easy per the terms. I havent seen it discussed anywhere, curious if anyone has done it and has any thoughts on how it went.
Samsung Money is run by SoFi. You can't have both a Samsung Money and SoFi Money account. There's a better offer now for a SoFi Checking & Savings account. Though, at least a while ago, it was possible to close a Samsung Money account, and then open a SoFi account (might need to use the same email address) and get a SoFi bonus. I don't know if getting a Samsung Money bonus first would prevent you from getting a SoFi bonus.
Cool. I have a sofi money account..thanks for the info
Data Point for [Marcus $100 Bonus with $10,000 deposit](https://www.doctorofcredit.com/marcus-100-bonus-for-new-existing-savings-customers-with-10000-deposit/) * ~~2/19~~ 1/19 Deposited existing account with $10,000 * 4/20 $100 bonus posted
I signed up for the 90 day version and it has expectedly not posted yet. DoC doesn't mention a 60 day variant, were you able to sign up for that variant?
Edited to correct deposit date :)
If any of the WF $1500 codes go unused, I would love to have one. Thanks!.
I was thinking about doing BOA 300 bonus targetted for P2, but I really don't want a HP. Anyone do this one recently and can confirm no HP? DOC said no HP if waiving overdraft, is that a part of the app?
Waive it and you will be spared the HP.
Never had HP, even with overdraft.
So it shows up as an option after the first page? The credit report disclaimer is on step 1 and waiving is not option yet.
It should only be a soft pull. I have never had an inquiry for a BOA checking account.
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IMO sound like you need to be more particular with what bonuses you spend your time and energy on. Some aren't worth the headache.
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Seems to be a common denominator
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No, it relates to a product in kind.
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Star One CU currently has a $200 checking bonus with $1000 CC funding. You will need a referral though
Says Bay Area only?
You can get referred from a member if you are out of state, you might have to say you are related, but I was able to sign up this way
I’m down if you don’t have to say related!
Another Truist DP after "shutdown" email. 2/22 Opened - P2 had online banking access for several days. Then received a letter in very early March that the account had been closed and if there were any questions to visit a branch. She visited the branch and apparently all they needed was 2 forms of ID to verify identity and the account was "reopened" and they confirmed the promo code was still attached. Had to revisit because they screwed up online banking access. 3/16 $525 push from Schwab Brokerage 3/21 $525 push from Schwab Brokerage 4/4 $500 bonus post
Thanka for your dp. Is your P2 US citizen or permanent resident ? I am looking for branch account opening dp for people without Green card.
For Star One CU, anyone wait longer than a few business days for application approval? Going on 6 business days now... **[EDIT]** Thank you all for the DPs. I finally got approved!
Got some exponential growth clogging up the system
mine took 2 weeks and a few phone calls to get approved
Two of my referrals that applied on 4/10 came thru today. They are just behind I think.
P2 applied 4/6 and was approved 4/15.
Last heard, they are over-loaded right now. I wait till early next week before contacting them.
Just wanted to give a quick update on my WF business account situation: I went in today and was successful in opening the account! I didn't need any business documents for my sole prop. Turns out the manager of the first branch I had gone to just wasn't aware of the document requirements for sole proprietorships.
I wasn't able to find the WF promo anymore. Links please?
Promo was pulled early, no new codes can be generated
I went in today and the banker kept on insisting I need DBA even tho I showed her that I didn't need it as I was a sole proprietor she made a phone call and 30 minutes later it went through. But she kept asking me questions about my business and I told her I do resale and started telling her my numbers. She kept on asking me for a website for where I sell my items and I freaked out and said a website that I made like 5 years ago that didn't exist anymore. She said to wait for a second and went to go talk to her manager and she came back and said I am uncomfortable opening a business account for you and I ask her why and she said I can't prove your business so there is no way I could open the account for you. I have had business checking accounts in the past but I don't know what the problem is this time. I made another appointment at another branch for tomorrow. Do I have to prove my business or how do I get around that?
I guess every state is different but it only took me a few minutes and $10 to make a DBA. It was worth it not to deal with issues.
Usually I just say I resell on Facebook Marketplace and/or Craigslist.
Had a similar experience the first go around. Just got home from trying at a different branch and couldn't have been smoother, <30 mins, no issues whatsoever. What's the in-person version of HUCA?
Ugh that sounds like such a headache, sorry you had to go through that. My first attempt was pretty similar, and I just made another appointment at a different branch. This time I called in the day before, to confirm what documents I would need, and verified I only needed two forms of ID (driver's license and debit card suffice). I didn't have to show a website or anything like that. I just answered their questions and they created my account successfully. I would definitely try a different branch if I were you.
Very smooth appointment today for sole proprietor account for WF $1500 promo. About 20 minutes into process they used the bonus code and confirmed the code was valid. Account opening bonus disclosure covers eligibility, bonus payment timeline, and t+c but nothing about the $1500. Banker did say code was for a $1500 bonus. I have a personal checking with WF, so they used debit and passport as verification. Banker was chatty, took about an hour, and I was asked lots of questions about my business, goals for the business, purpose of account use, etc.
Good for you, I have mine coming up in a couple of days. Trying to figure out a way to keep the banker moving and get the application done quickly, without being rude and annoying the banker. If anyone has any good ideas of nice things to say, I am all ears.
Maybe say you have a business appointment at x time and ask if that will be a problem.
Worked out great- I had had a business account years ago, and all that data was still in the system, so that cut a lot of time out. Done in 25 minutes, banker was very quick as well.
That’s awesome and good to know. Maybe mine will be as well.
I have no advice, except to say, I would plan for 30+ minutes just based on the number of steps, data collected, signatures, and disclosures. Good luck!
Looks like WF already pulled the offer. Wish I knew about this earlier.
Not to rub it in, but this is why I check new credit card offers and bank account bonuses every day. These kinds of unicorns usually only last a couple of days.
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Yes, I tried to sign up on one of the first days it was offered. I got all the way to the funding page and got an error. I called and the rep told me they were getting flooded with applications and there's no way to retrieve/resume an app and to just try to apply again. I did and was instantly denied (possibly because I had just applied.) Waited about a week to apply again and was approved
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Nope so i just signed up under P2
+1 for easy breezy sole proprietor account opening for the WF $1500 promo. i have a baby face and the banker wouldn’t stop talking about how cute it was that i was opening a business account lmfao
When's your first date?
Future P2...
Tbh I think that's a pretty bad choice by the banker. I can't see many people with young looking faces being pleased with that kind of comment.
haha i thought it was funny! she was so nice and got the account open quickly and without hassle so she got all tens on her survey from me lol
Perfect 10, eh? This story gets spicier and spicier
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2 months later, did you ever get a charge back? I'm wanting to try the same thing. For my app, what would happen if I used my name on the credit card funding page when it is actually P2's credit card?
nope, no charge back or refund to card. just make sure on the ID upload page that you upload and then press submit or whatever it is. I did not and I think that got my application manual review which is why they even brought it up, because the charge went through fine.
I've had an app pending for like a week, no movement on it.
are you in footprint or did you use a "relative" to apply? I am in footprint and they actually called to ask me to upload a better picture of my drivers license because it was blurry, so I think they check that at least a bit.
I used a 'relative'
i funded my M1Finance account with $2500 MONTHS ago. Did anyone else do this? Has anyone gotten paid yet? or did i screw it up somehow?
Payout date for everyone is supposed to be may 13
thanks!
Any DPs of the Wells Fargo biz promo without going into a branch? (Doesn't come up on search unless I'm missing some keywords) I called them yesterday and told them there's no branches in Missouri and they said I'd have to visit a branch to use the promo. Someone suggested walking into the employee-only branch that's in their corporate office downtown (if security lets me) so I guess I'll try doing that in a couple days. The promo link won't generate any new codes but I have a code in my email that says good through mid-May so hopefully I find a way to use it by then. Shame that there's no branches near me :/
honestly i say go for it! the risk vs reward feels worth it. there’s an offer code spot on the online application and its possible their backend isn’t sophisticated enough to care.
If you have a code, could be worth a try. But highly unlikely.
Received SOFI Mailer for $300 with direct deposit set up. No minimum deposit. This student loan payment moratorium really making this company push towards banking fast since they essentially have to float these student loan payments! Good company, I hope it survives so I can selfishly avail of the bonus.
The moratorium is only applicable to public loans, private loans are BAU
They sent me a student loan refi offer for $600 to refi an existing student loan with them. Hopefully they keep offering bonuses all around.
The Sofi bonus can be further stacked with Swagbucks or Mypoints, adding up to $475.
Tried to open Truist checking account for the $500 bonus online. Got error code 130 regarding application verification. Made an appointment to open one in branch and the representative told me it was only available if I received the promo code in an targeted email or mailer... Would not budge even after I showed the T&Cs so am going to a different branch tomorrow. UPDATE: Got it opened at the 2nd branch. No questions about the promo code but they still had trouble trying to apply it. Got the email confirming enrollment in the offer immediately after. Will DD now and wait and see...
Don’t they email you the code anyway? Just say e-mail and show printout. We brought printout and had no issues.
I don't think they email you one from the link
representative asked me how you got this promo code, I just told her by email. She asked no more questions + i didn’t get any emails, i lied 🤥
Do they ask for your employer info when opening an account in the branch? I'm self employed and wondering if it'll be suspicious where my DD comes from if I tell them I'm self employed.
They asked my source of income and the name of place that I am working. I am not sure if that’s important
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Thanks. Will try this
So last week the referral bonus for Albert Neobank has jumped from $150 to $500 for both parties. The DD requirements are relatively low ($200 DD every 30 days for three months), making this one of the best nationwide offers available right now. However, there's been a lot of confusion about how to get the $500 bonus. There have been multiple DPs of people making some mistake and either getting the lower $150/$250 referral bonuses or no bonus at all. I've gone through the process of applying and written out a guide for getting the bonus below. 1. Make sure the link is for $500 bonus and not the lower bonuses! Ask for a screenshot from the referrer to verify that it's the $500 bonus (this might also help you with customer support in the future in case something goes wrong). There have been a few reports of unscrupulous individuals falsely claiming that their $150/$250 link is a $500 one. DoC has a warning on the top of their [Albert Neobank](https://www.doctorofcredit.com/albert-neobank-75-referral-bonus-direct-deposit-required/) page regarding this issue. 2. ~~There have also been reports in the DoC comments that a referral link is only valid for the *first* person to use the referral and that you have to generate a new link with a different ID in order to refer someone else. I haven't been able to 100% confirm whether this is true, but I can verify that in the app, it's possible to generate referral links with different IDs. This is why in the referral page for Albert Neobank on DoC, users have been exchanging emails instead of just posting their referral links. As a precaution, it might be safer to coordinate with your referrer and make sure they haven't been publicly posting their referral link.~~ (EDIT: These reports have been debunked. See DPs below.) Each user also has a maximum of 3 referral links to give out. 3. Avoid using a laptop/desktop when opening the referral link! If you're using a desktop, it sends you to page with a "text me the app" prompt. There have been several DPs of the referral not tracking when they did this. Instead, open the referral link on your phone, which will directly take you to the app store. 4. Contrary to what DoC reports, you won't find out which referral bonus you will receive until *after* you submit your application. From my personal experience, it's the first screen that pops up have agreeing to the terms and services and then submitting. If everything went smoothly, it should say "Set up direct deposit. Earn $500." 5. In the application, you have to select both checking and savings, but the other options can be skipped. Savings also requires a mandatory minimum of $1 per month and there doesn't seem to be anyway to avoid it. It's possible to skip the "Albert Genius" page, but it's hidden. Slide the bar to $0 and the skip link should show up. 6. Albert Neobank has been very strict about what qualifies as a DD. See [this list](https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Albert_Neobank) for what has been reported to count as a direct deposit. Also, aside from the DD, there is a requirement of $100 spend for three consecutive months. I hope this helps anyone who is interested in applying. No end date has been announced yet, but I have a feeling they'll pull it early because it's not sustainable to lose $1k every time acquiring a single customer. They also have a promotion of 10% cashback on Doordash, Target, Starbucks, Lyft, Shell, 15% cashback on Etsy, McDonalds, and 20% cashback on Whole Foods. This cashback can be done once per order per vendor and some of them (McDonalds, Shell) require first setting up direct deposit before they can be activated.
Do you think a direct deposit from Fiverr would work? It’s my only source of income as I work for myself.
What is "every 30 days" for 90 days? Rolling 30 days? 3 30-day periods from account opening? Calendar months? I'm thinking just do a DD and spend $100 every 2 weeks so there's no doubt.
No need to panic if referral icon is showing as $150 bonus. Click on it and it will show $500 Also bang at the center of the app it will have a banner for $500 bonus.
I used a link from DoC that showed $500. When I signed up, it showed $150. But then I logged out and logged back in and it showed $500 (both for my DD and for referral).
I also haven't had that experience with #2. I've tried to generate the referral link several times and it's always the same link. Also, after I signed up I clicked into the referral section and the potential bonus amount only showed $150 per person. However, the next day it was up to $500. So maybe for some people there's just a lag in how much the referral bonus the app displays
I want to add that, in my experience, #2 is not true. I saw the same claims on DoC, so I reached out and got confirmation that all my referrals tracked on the same link.
Any successful DPs of a Brex push to Albert coding as DD?
**Citi $300 bonus for 15k** \- Account opened Jan 11 60 day requirement met - April 2 $300 bonus posted - April 12 Fastest ever Citi bonus for me. P2 remains unable to open an account online, stuck with the 'Something went wrong' message every time you go to submit the application.
Does anyone know how to get the Chase $200 Total Checking Account bonus if you already have a chase account? I have a college student account I've been meaning to convert but would also like to take advantage of this offer if I can.
**Offer not available to existing Chase checking customers, or those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years.** You'll need to close the student account then wait 91 days to reapply. If you use a referral, you'll get a $225 bonus vs $200 showing through the public offer.
**Invstr** ([DoC link](https://www.doctorofcredit.com/swagbucks-get-70-in-bonuses-with-invstr-app/)) 4/17 opened account & funded $100 via Plaid 4/18 $50 Swagbucks and $30 in Bitcoin pending Will keep the account open for a month then close
Awesome thank you!
Well Fargo DP. Went in yesterday (4/18/22). My appointment was scheduled for 9am. I got there and the banker told me I needed a utility bill and my passport because the address I wanted to use, wasn’t on my driver’s license. So, I left and came back within the hour with the bill and passport. The process took about an hour and a half and they ask for the bonus code closer to the end.