"Bank of the West products are offered to the residents of the states of Arizona, California, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, and Wyoming."
$250 DD per month, for $100 10x 3 debit card purchase per month for $50
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kevmo314
New Member
posted: Jan. 28, 2013 @ 12:50p
Darn, I guess Illinois isn't west enough.
AugustFour
Senior Member - 1K
posted: Jan. 28, 2013 @ 3:03p
It says, "Direct deposit must be payroll, Social Security, pension or other government benefits." Do bank to bank ACH transfers qualify?
invisible
Senior Member - 2K
posted: Jan. 28, 2013 @ 3:36p
kevmo314 said: Darn, I guess Illinois isn't west enough.
Not sure how they changed but their earlier offer a couple of years ago allowed more states not in the current list !
DD might be tough to get qualified for ..
catbertsf
Member
posted: Jan. 28, 2013 @ 5:34p
in the past, ach transfer worked... haven't tried for a while on them though
nifty07
New Member
posted: Jan. 28, 2013 @ 6:07p
Does anyone know if they do a Hard or Soft pull on your Credit Report ?
snork615
Senior Member
posted: Jan. 28, 2013 @ 6:52p
Hard pull; has to be governmental or payroll after tax DD as California Boosters they hate capitalist deposits. Note Bear symbol--not a good one in the equity market. Must keep large balance to avoid service charges. Not available to those previously having checking account. T and C need to be read until you understand every word or else!
"When you complete an application we do a credit inquiry with Experian."
"Unfortunately I do not want to give you the wrong information all I know is that we do a credit inquiry with Experian."
CreakyWallet
New Member
posted: Jan. 29, 2013 @ 10:33a
Maybe this is obvious, but I would assume that a direct deposit of your tax refund would count as a, "payroll, Social Security, pension or other government benefits?" Seems like a pretty simple way to boost your tax return a little bit assuming that would qualify.
catbertsf
Member
posted: Jan. 29, 2013 @ 12:32p
over a year ago i did one with them. used ach from ing and another bank, don't know which one or both worked. got the bonus... don't remember if it was a hard pull. i think it's a soft...
catbertsf
Member
posted: Jan. 31, 2013 @ 1:15p
anyone knows if it's a hard pull this time?
dpid
Ancient Member
posted: Jan. 31, 2013 @ 2:45p
kevmo314 said: Darn, I guess Illinois isn't west enough. ... and yet Wisconsin is west enough.
And as the other poster said, a few years ago, Bank of the West had its offer open to more states. I'm in Illinois and was able to open an account and get a bonus.
mjoply
Senior Member
posted: Jan. 31, 2013 @ 3:11p
CreakyWallet said: Maybe this is obvious, but I would assume that a direct deposit of your tax refund would count as a, "payroll, Social Security, pension or other government benefits?" Seems like a pretty simple way to boost your tax return a little bit assuming that would qualify.
Sovereign Bank claimed a tax refund does not count when I did it with them, because it was not recurring. I know it's a different bank, but just giving people a heads up.
TrentSteel
Senior Member - 3K
posted: Feb. 1, 2013 @ 4:14p
A couple years back, this was my experience:
- No CC funding allowed. - No hard pull on opening. - ACH from Schwab counted as DD.
Could be completely different now.
catbertsf
Member
posted: Feb. 1, 2013 @ 4:33p
TrentSteel said: A couple years back, this was my experience:
- No CC funding allowed. - No hard pull on opening. - ACH from Schwab counted as DD.
Could be completely different now.
that was the same as my previous experience. i am most concerned about the credit pull... anyone who has done it can share if it's a hard or soft?
i vaguely remember as long as you don't ask for overdraft protection, there shouldn't be a hard one...
isobro
Senior Member - 1K
posted: Feb. 2, 2013 @ 11:20a
Just verified through a supervisor that they do a hard inquiry through Experian.
AugustFour
Senior Member - 1K
posted: Feb. 12, 2013 @ 3:09p
Applied online. We shall see if ACH DD works this time, too!
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