$75 (wuz $100) from Bank of America, Exp. 4/30/08

[ConstipatedVigilante]

Damnit, I already have a checking account with them...and I don't really want to open a new one. Wouldn't know how to close it!

 

[chinkgai]

Originally posted by: raddreamer3kx

Originally posted by: Svnla
I received the email from BoA and it said I am approved. I will let ya'll know if there is any fees/extra/etc.

Thanks OP.

I also received the email,couple of days later I received my pin# but didn't receive my bank card with it,waiting on that.A little weird how BoA does things but hopefully everything goes through fine.

you dont get the pin along with the card for security reasons....

thats why u dont hide the bullets with the guns!

 

[raddreamer3kx]

Originally posted by: chinkgai

Originally posted by: raddreamer3kx

Originally posted by: Svnla
I received the email from BoA and it said I am approved. I will let ya'll know if there is any fees/extra/etc.

Thanks OP.

I also received the email,couple of days later I received my pin# but didn't receive my bank card with it,waiting on that.A little weird how BoA does things but hopefully everything goes through fine.

you dont get the pin along with the card for security reasons....

thats why u dont hide the bullets with the guns!

yea I deserve one of those "duh" replys.:laugh:

 

[Engineer]

I decided to wait one more day before calling to inquire about my initial deposit but it showed up today, so no call. Now to sit back and wait for the $100 promo (crosses fingers).

Thanks OP and good luck all!

 

[mingsty]

I bit too and am approved. Just waiting for the welcome packet. I'm actually thinking about banking with them just so I have a "national" account. I bank with a small local bank that is awesome as far as no fees and always taking the deposits first before the withdrawals (so you don't get an overdraft if you have stuff coming in and going out the same time). Back when I was running my budget razor thin that was really nice. I forgot to cash a check before I traveled 10 hours to my sisters place thinking I could just do it anywhere...ummm wrong. Had I had a national bank like this I coulda deposited it somewhere close and then just transferred funds to the other account. anyway too much information I guess. Anything in particular to watch out for with BoA?

 

[bluesubaru]

Promo down to $75

 

[raddreamer3kx]

Originally posted by: bluesubaru
Promo down to $75

so how can you prove that the $100 promo existed if they ask?

 

[esquared]

Originally posted by: raddreamer3kx

Originally posted by: bluesubaru
Promo down to $75

so how can you prove that the $100 promo existed if they ask?

Two different promo codes.

Your gift is waiting
To receive your $75, apply online or go to your nearest banking center. Use offer code AOU260108, and open a personal checking account before March 31, 2008. Click here for a location near you.

From the OP's post:
Your gift is waiting
To receive your $100, apply online or go to your nearest banking center. Use offer code AOU2612, and open a personal checking account before February 29, 2008.

 

[KDKPSJ]

Last time I applied for the promo, it took about 2 full months to be credited. ($ 75 at that time, and it was last September I believe) So, just be patient.

Also, when you contact the customer rep, they might ask you the actual promo code. So, write it down somewhere.

 

[Pardus]

ok, all, just got off the phone with a Bank of America rep.

1. They changed the promo offer from $100 to $75 cause a lot of people were signing up for this.. make sure you either have a printout of the linked page below or keep promo code AOU2612 written down to get the $100 bux.

Bank of America $100 offer JPG - Bank of America $100 offer PDF

2. Deposit has to be made at a local branch or though the atm, if you do a bank to bank transfer, it won't be accepted, don't know why

3. Deposit has to be made within 30 business days of signing up.

4. No free checks, they cost $25-$40 per pack of 50.

5. Once you get your W9 form and Visa check card, go to the local branch to make the deposit. They will match this 60-days after that. You must have $100 in the account until they do the match. so don't spend it till then.

6. If you already have a savings/checking acct with them, your not eligable. They will check by SSN to verify your a new signup.

7. Someone over at SD said BOA has a lot of hidden fees, so keep an out for this when you get monthly statements, maybe use this as a paypal account only.

8. There is no monthly fee for the MyAccess Checking.

9. No overdraft protection, this is extra.

Hope this helps, btw.. they did a soft hit on my credit report only once.

 

[raddreamer3kx]

Originally posted by: ActiveX
ok, all, just got off the phone with a Bank of America rep.

1. They changed the promo offer from $100 to $75 cause a lot of people were signing up for this.. make sure you either have a printout of the linked page below or keep promo code AOU2612 written down to get the $100 bux.

Bank of America $100 offer JPG - Bank of America $100 offer PDF

2. Deposit has to be made at a local branch or though the atm, if you do a bank to bank transfer, it won't be accepted, don't know why

3. Deposit has to be made within 30 business days of signing up.

4. No free checks, they cost $25-$40 per pack of 50.

5. Once you get your W9 form and Visa check card, go to the local branch to make the deposit. They will match this 60-days after that. You must have $100 in the account until they do the match. so don't spend it till then.

6. If you already have a savings/checking acct with them, your not eligable. They will check by SSN to verify your a new signup.

7. Someone over at SD said BOA has a lot of hidden fees, so keep an out for this when you get monthly statements, maybe use this as a paypal account only.

8. There is no monthly fee for the MyAccess Checking.

9. No overdraft protection, this is extra.

Hope this helps, btw.. they did a soft hit on my credit report only once.

Thanks for the info,much appreciated.:thumbsup:

 

[Engineer]

Originally posted by: ActiveX


2. Deposit has to be made at a local branch or though the atm, if you do a bank to bank transfer, it won't be accepted, don't know why

That's a load of shit, if true. I did a bank to bank transfer on initial deposit. I saw nothing in the disclosure about having to deposit via ATM or branch and previous threads at FW mention nothing that I can find about it (and they received their bonus). I may call them myself and ask.....and if it's true, bitch like a bastard at them! :shocked:

 

[Shinare]

What are you guys talking about, soft pull hard pull stuff on credit report? What does that mean?

 

[iroc409]

So far I have not been a fan of BofA. Their politics are a bit effed up, and their policies and procedures are not particularly user-friendly. I recently tried to get a credit card through them with miles on the airline I travel all the time. I filled the app and stuff, but had to do some more stuff. I decided to go into a branch instead, they gave me a bit of a run-around and said I had to go back and do everything online because it they couldn't do it in their branch. It's all the same bank, doesn't make much sense to me.

They also cater to illegal immigrants. I like immigrants, just not the ones here illegally that don't pay taxes. BofA was giving away credit cards to people that didn't have a SSN so they could get the market. They also have other deals - like their free remittance to Mexico - that caters specifically to this market. I see it as a bit unfortunate, especially that they are so public about it.

Oh well, we'll see what happens. If I have to go in and make another deposit I'm just going to close the account.

 

[hypernight]

<---denied =(

 

[Engineer]

Someone posted at FW that he/she received $100 after doing a bank to bank transfer on initial deposit. Reading through all those threads, nobody posted anything about having to deposit via ATM or directly at branch. I think CSR is full of it!

 

[Pardus]

What are you guys talking about, soft pull hard pull stuff on credit report? What does that mean?

A ?soft hit? or ?soft inquiry? has no effect on your Credit Score but a ?hard hit? or ?hard inquiry? has exponential effect on your Credit Score. Exponential means that one or two ?hard hits? or ?hard inquiry? over a month will have little effect on your Credit Score. But if there were 5 or 6 ?hard hits? or ?hard inquires? will have a noticeable effect on your Credit Score. This is due to the fact that a ?hard hit? or ?hard inquiry? may signify a new loan and the more ?hard hits? or ?hard inquiry? the more probability that the consumer is in desperate need of a loan. On the other hand many ?soft hits? or ?soft inquires? may suggest that you are financially responsible and lenders may be more than happy to offer you a loan. Credit cards applications are usually soft hits if your fico/credit score is over 700.

Example:
-Getting Auto/Life Insurance Quotes = Soft Hit
-You employer does a background check = Soft Hit
-Purchasing any big ticket item, car/house = Hard Hit
-Taking out a loan over $10,000 = Hard Hit
-Applying for excess life insurance, $1 million or more = Hard Hit

One way i learned to increase my credit score fast is to apply for any online loan from like e-loan and repay it all back in 60days. I did this a few times, really does help.

You want to keep soft pulls to less than 15 a year and hard pulls to less than 5.

 

[Shinare]

Thanks ActivX, I was a little fuzzy on that.

 

[dealmaster00]

Originally posted by: ActiveX

What are you guys talking about, soft pull hard pull stuff on credit report? What does that mean?

A ?soft hit? or ?soft inquiry? has no effect on your Credit Score but a ?hard hit? or ?hard inquiry? has exponential effect on your Credit Score. Exponential means that one or two ?hard hits? or ?hard inquiry? over a month will have little effect on your Credit Score. But if there were 5 or 6 ?hard hits? or ?hard inquires? will have a noticeable effect on your Credit Score. This is due to the fact that a ?hard hit? or ?hard inquiry? may signify a new loan and the more ?hard hits? or ?hard inquiry? the more probability that the consumer is in desperate need of a loan. On the other hand many ?soft hits? or ?soft inquires? may suggest that you are financially responsible and lenders may be more than happy to offer you a loan. Credit cards applications are usually soft hits if your fico/credit score is over 700.

Example:
-Getting Auto/Life Insurance Quotes = Soft Hit
-You employer does a background check = Soft Hit
-Purchasing any big ticket item, car/house = Hard Hit
-Taking out a loan over $10,000 = Hard Hit
-Applying for excess life insurance, $1 million or more = Hard Hit

One way i learned to increase my credit score fast is to apply for any online loan from like e-loan and repay it all back in 60days. I did this a few times, really does help.

You want to keep soft pulls to less than 15 a year and hard pulls to less than 5.

Thanks, that's some good info.

And yeah...I just called to check on my account today and they deposited $100! Sweet! (I did the initial bank-to-bank deposit.) I'll probably keep it open for a little while and then close it. $100 definitely helps the poor college students.

 

[raddreamer3kx]

Originally posted by: dealmaster00

Originally posted by: ActiveX

What are you guys talking about, soft pull hard pull stuff on credit report? What does that mean?

A ?soft hit? or ?soft inquiry? has no effect on your Credit Score but a ?hard hit? or ?hard inquiry? has exponential effect on your Credit Score. Exponential means that one or two ?hard hits? or ?hard inquiry? over a month will have little effect on your Credit Score. But if there were 5 or 6 ?hard hits? or ?hard inquires? will have a noticeable effect on your Credit Score. This is due to the fact that a ?hard hit? or ?hard inquiry? may signify a new loan and the more ?hard hits? or ?hard inquiry? the more probability that the consumer is in desperate need of a loan. On the other hand many ?soft hits? or ?soft inquires? may suggest that you are financially responsible and lenders may be more than happy to offer you a loan. Credit cards applications are usually soft hits if your fico/credit score is over 700.

Example:
-Getting Auto/Life Insurance Quotes = Soft Hit
-You employer does a background check = Soft Hit
-Purchasing any big ticket item, car/house = Hard Hit
-Taking out a loan over $10,000 = Hard Hit
-Applying for excess life insurance, $1 million or more = Hard Hit

One way i learned to increase my credit score fast is to apply for any online loan from like e-loan and repay it all back in 60days. I did this a few times, really does help.

You want to keep soft pulls to less than 15 a year and hard pulls to less than 5.

Thanks, that's some good info.

And yeah...I just called to check on my account today and they deposited $100! Sweet! (I did the initial bank-to-bank deposit.) I'll probably keep it open for a little while and then close it. $100 definitely helps the poor college students.

When did you open your account?? I didn't get jack yet.

 

[vortix]

I opened my account online with a $100 deposit on 12/31/07, got the bonus on 1/16/08. Withdrew the $200 from a BoA ATM yesterday and sent a message to Customer Service asking them to close my account today. That was an easy $100

 

[kwo]

I wonder if minors can apply for this...

My wife and I have accounts, but not our daughter!

have to look into that......

R

 

[chinkgai]

Originally posted by: vortix
I opened my account online with a $100 deposit on 12/31/07, got the bonus on 1/16/08. Withdrew the $200 from a BoA ATM yesterday and sent a message to Customer Service asking them to close my account today. That was an easy $100

lucky...its been 20 days and i still havent gotten mine.

 

[goofy4ever]

Originally posted by: kwo
I wonder if minors can apply for this...

My wife and I have accounts, but not our daughter!

have to look into that......

R

yes you can. just long as you open ugma or utma account using her ssn (you can be the account custodian). most branch managers are not aware of this setup so bring in your "coupon" and ask them to call their service dept for confirmation.

i did this in nj

 

[Pardus]

opened acct on 1/2/08 with $100 dep, also still waiting for them to match it.