Anyone open an account here? Hard pull?

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mhesidence said:Bump. Now 5.25%.

$5000 to open (it appears you need to fund with a check). $300 minium daily balance to avoid $5 maintenace fee.

Dayum! 5.25% is nice!

Does anyone on FWF actually have an account with this bank? Come on, I know there has to be a rate chaser more desperate than me. As a general rule I try not to chase for less than .5%~.75% but they are getting awfully close (.45) to my current best (4.8%) cutoff.

redindian said:anyone opened an account here?

did they do a Hard pull? what about linking accounts (bank deal blog comments say "NO" linked accounts) and ACH transfers?

I went through the past bank deal posts about this account. I hope it works out from somebody willing to be a test subject but it doesn't sound so great.

1) You have to mail in checks for deposits (and supposedly wait for a check from them to make withdraws or use the atm card they give you)

2) There is a $5/month monthly fee that will not be waived regardless of the balance? WRONG, I downloaded the disclosures and it seems to say there are no maintenance fees for balances over $300.

3) There is a $5/month internet access fee if you want to view your account online and pay bills with it?

Maybe the math will work out for really big savers who can swallow those fees without reducing their effective APY too much.

Edit: ? marks because I don't really understand this account and I could be completely wrong. But from Bank Deals Blog you could possibly interpret it as having those fees/limitations.

Cheap said:From OP:
No monthly maintenance fee with minimum daily balance of $300

Anybody test using another account to push/pull into this one? I assume that would work.

Come on people, someone dangles a free Ipod Nano in front of us and we crap ourselves to kill the deal and even deep link to still get the deal past expiriation.

No one with a sizable chunk of money thought this was worthwhile and jumped on this to test out all of our pet theories?

My cash is scattered right now, I'll open this account if the terms are the same and no one else has (and wants to talk about it on here) in about a week.

I was not able to find any mention of whether or not deposits are FDIC insured. Anyone see this?

Okay...okay. Twist my arm. I'll pull the trigger in a second.

I'm still waiting for others to jump in first

Enyin2 said:mail signature cardNote: Mail a NOTARIZED signature card. Annoying.

The chexsytems verification page once again asked me crap i have no idea about (stuff thats not on my credit report, I've checked all 3) Yep. I hate that crap. NONE OF THE ABOVE, NONE OF THE ABOVE, NONE OF THE ABOVE, etc.

and verify trial deposits to my checking acct for verification of electronic fundingIt'll be interesting to see how my World Savings Liquid CD handles the "two small deposits" needed for verification / funding, seeing as the minimum deposit / withdrawal is supposedly $500. *shrug* I may have to mail in a check.