Offer Details
Written by: RJ
Requirements
- Open a new Checking Account *Hard pull*
- Promo code “SpreadJoy””
- Referring member: Ryan Johnson – this is a data field in the last section of the application.
- Complete 5 debit card transactions within 60 days of account opening OR
- Complete a direct deposit within 60 days of account opening
- There is credit card funding. A rep will call you to verify everything then let you fund with a card. I got to do $5k, tho I’ve read it’s unlimited.
Eligibility
- MN
- Nationwide if you join the American Consumer Council ($8) may have the option during application
- Can’t have been a previous member
Fees
- Free Checking Account – Fee free
Account Closure
- No rules listed
Member name: Ryan Johnson
No end date listed
Thoughts
I got in and I’m shocked. This is a hard pull. It ends up being worth it because you can fund $5k with a credit card. A rep called me 5min after submitted the application. Asked about why I had so many Chex hits. I say it’s because I’m sorting out my personal/business banking and trying to find a good home. I was then approved by joining the ACC. I have a membership but the CU will open one for you.
The American Consumer Council has a $8 or $15 fee. Still pretty good.
Thanks for the intel, I’ll update it. Still worth it because being a member gets you into many CU’s around the country with similar requirements.
they denied me but also sent me a debit card
Seems reasonable. What do they suggest you do with the nonfunctional debit card? I know what I’d tell them to do with it.