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rated:
First time post ever, so give me some green...

If duplicate, pls delete.

Just chat online with a BOA banker about the checking account.

You do not need to be a CC holder to get the $100 bonus

offer code CH100CSP

I am in ohio, not sure if it applies to other states

offer only valid to US citizen and Green card holder, international students need to go to the local branch to apply. Remember to bring you passport with you.

It will result a hard pull, not good.

No direct deposit required.

direct link:

https://www1.bankofamerica.com/deposits/odao/index.cfm?ADLINK=000302027j270000d826&CH_BAG=CHMA&CONTEXT=apply&EXPTEMPLATE=apply&OFFER_CODE=CH100CSP&REQUESTTIMEOUT=7200&SA_BAG=SARE&STATE=OH&restart=true&processlinksTest=true

Chat log:


Welcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Account Specialist. Your chat may be monitored and recorded for quality purposes. You are number 3 in a queue of 3. Thank you for your patience.
We are currently experiencing a high volume of chat sessions. All Bank of America Specialists are currently assisting other customers. We apologize for any inconvenience. You are number 2 in a queue of 4. Thank you for your patience.
You are now chatting with Ed. Welcome to Bank of America. How can I help you complete your online checking or savings application today?
Ed: Thank you for joining our live, secure chat! How may I help you today with opening a new checking, savings or CD account online?
you: Hello Ed
Ed: hello
Ed: How can I help?
you: I found online that BOA is offering your creidt card holders the opportunity to get $100 by opening a checking account. I currently do not have a CC with you. Can I still take this offer? Or you guys have a different offer code for non CC holders?
Ed: Sure, you you can open a checking account with me and get the $100.00. WOuld you like to do that?
you: So I can open a checking account with you and get $100?
Ed: Yes, would you like me to send you the online application?
you: Any requirement?
you: Will that result a hard pull?
Ed: To apply online, the applicant must be:
18 or older
A US citizen or permanent resident with a Green Card
To have a US physical street address (not a PO Box)
To have a Social Security Number.
Do you meet all of these requirements?
Ed: yes we do require that
you: How about international student with SSN, physical address and US physical address?
Ed: In order to apply for an account online you must be a US Citizen or Permanent resident with a Social Security Number. If you are a non-resident Alien or do not have a social Security Number, you may open an account at your nearest banking center. You will need to bring two of the following types of identification:

Foreign Passport with photo
Foreign drivers license Please click to find to find your local banking center.
you: ok
you: so I need to go to a local branch?
you: Can I do that online?
Ed: correct
Ed: correct, you can not do it online.
you: Do I need to mention any promotional code when I open the account?
Ed: no they will know
Ed: Is there anything else I can help you with today?
you: by the way, could you send me the link pls?
Ed: I'm sorry what link are you looking for?
you: the link apply checking account online
Ed: I apologize, I am not able to provide that since you do not meet the above requirements.
you: my friend sits beside me is a us citizen
you: He wants to have a try
Ed: Great, what state does your friend live in?
you: ohio
Ed: One moment please.
Ed: Click Here
Ed: I would be more than happy to stay online to help your friend.
you: so he can do that by using the code CH100CSP
you: is that correct?
Ed: correct, the link I sent has that included.
you: ok, thank you very much for you help!
Ed: You are welcome. and your friend too =0)
you: Thanks Ed!
you: Nice talking to you,bye!
Ed: Good bye.

Member Summary
Most Recent Posts
I have opened 4 or 5 BOA accounts with a CC for 1000 each. Every one posted as a purchase.... Oh and Citi will also code... (more)

chimeer (Nov. 24, 2007 @ 5:57a) |

I appreciate the help. I'll be glad to fund with $1000 now.

xCarsonx (Nov. 24, 2007 @ 10:04a) |

What was the working code for gatting $100 with only $25 initial deposit?

duna (Nov. 25, 2007 @ 2:58p) |

Thanks for visiting FatWallet.com. Join for free to remove this ad.

way to fake account the chat specialist:

Ed: I apologize, I am not able to provide that since you do not meet the above requirements.
you: my friend sits beside me is a us citizen
you: He wants to have a try
Ed: Great, what state does your friend live in?
you: ohio
Ed: One moment please.
Ed: Click Here

BankofGreed said: way to fake account the chat specialist:

Ed: I apologize, I am not able to provide that since you do not meet the above requirements.
you: my friend sits beside me is a us citizen
you: He wants to have a try
Ed: Great, what state does your friend live in?
you: ohio
Ed: One moment please.
Ed: Click Here


My friend is right besides me. Wanna chat with him?

link not working?

from chat:
You: I do not have a credit card. Can I use this code?
Terry: No. It only applies to those with a credit card and would like to open a checking and or savings account.
You: is there any code with a same bonus for those who do not have a credit card?
Terry: No I am sorry but there is not at this time.

wsfai said: BankofGreed said: way to fake account the chat specialist:

Ed: I apologize, I am not able to provide that since you do not meet the above requirements.
you: my friend sits beside me is a us citizen
you: He wants to have a try
Ed: Great, what state does your friend live in?
you: ohio
Ed: One moment please.
Ed: Click Here


My friend is right besides me. Wanna chat with him?


Checked, still working.

You are now chatting with Mesha. Welcome to Bank of America. How can I help you complete your online checking or savings application today?
Mesha: Welcome to Bank of America! My name is Mesha. I am here to assist you with finding the account that best fits your needs. How may I assist you today?
You: Hi, I am looking for an account with a $100 sign up bonus
Mesha: Do you currently hold any kind of Bank of America accounts
You: no
Mesha: At this time, we do not have any monetary offers for applying for an account.
Mesha: At this time we are offering the MyAccess checking free of any monthly fees for all who apply online. If you apply under this offer, you will have the account free for life. There is also no minimum balance requirement for this account.
You: thanks
Mesha: It offers a free Visa debit card, unlimited transactions and our free online banking with bill pay. Would you like to apply for this free checking?
You: no thanks
Mesha: The free checking will not work for you?
You: i had wanted a sign up bonus incentive
You: free checking is pretty common
Mesha: Also, if you open this checking account online you will be able to automatically get our Regular Savings that comes with it free for the first six statement cycles. You can use the savings for overdraft protection and enroll in Keep the Change.
Mesha: Are you familiar with Keep the Change?
You: i have heard about it
Mesha: Here's how it works: every time you buy something with a Bank of America Visa Debit Card, we'll round up your purchase to the nearest dollar amount and transfer the difference from your checking to your savings account. So you get to keep the change and grow your savings. It is like an electronic piggy bank.
Mesha: For the first 3 statement cycles, well match your Keep the Change savings at 100%. That means for every Keep the Change transfer; well contribute the same amount to your account. After the first three statement cycles, we'll continue contributing 5% a year, every year.
You: seems like i could transfer from seems like it might amount to a couple of dollars, at most
You: are you sure there's no sign up bonus available?
Mesha: Yes, I do apologize for that inconvenience.
You: no need to apologize
You: i just thought there might be something more of an incentive to open an account
Mesha: Sure, I understand. It was a pleasure assisting you today! Is there anything else I can help you with?

OP: Is this the ad and promo code you used fo the MyAccess checking $100 new account bonus? This ad is dated 2006 but shows no expiration date. Please advise.

will this result a hard pull of credit report???????? i have a cc of boa

I was denied for $100 as I was told that this offer is available only for NEW checking account.

Luis : Good morning my name is Luis, I hope that you are having a delightful day! Thank you for you interest in opening a new Checking account. Did you see a checking account on our site that you are interested in opening or would you like a recommendation?
You: Hello, do you currently have an offer of a $100 signup bonus for opening a checking account
Luis : Yes if you have a Bank of America credit card we do have that offer.
Luis : Does this apply to you?
You: No I do not
Luis : That is the only offer we have at this time for $100.
You: Alright, thank you very much

I've never had so much trouble getting a promotion in my life. You can be sure this account will not be my primary
checking account, now or in the distant future.

Timeline

April 9, 2007 opened MyAccess Checking on line--for credit card holders only: no min balance, no direct deposit
no fees ever
April 16, 2007 funded account at bank branch with $25.00

50 days passed-- you're supposed to get the bonus within 50 days

June 22 called to find out why no bonus, told they'd investigate and get back to me--not a word from BofA
July 6 phoned again rep said backlogged due to large number of clients opening checking accounts for $100 bonus
July 12 called a different number; a special one for California residents will investigate and email or phone with
results
July 16 FINALLY!! account credited for the bonus amount of $100.00

Frankly, I am looking forward to leaving $1.00 in the account and getting monthly paper statements til the end of time
just to get even with this group of incompetents.

P.S. I haven't used my BofA credit card for five years. I use my Chase Cash Rewards card instead (5% gas/groceries)

skashirny95 said: from chat:
You: I do not have a credit card. Can I use this code?
Terry: No. It only applies to those with a credit card and would like to open a checking and or savings account.
You: is there any code with a same bonus for those who do not have a credit card?
Terry: No I am sorry but there is not at this time.


Ditto.

Sounds like you need a credit card with them already.
"You: is promo code CH100CSP for $100 still available?
Steve G.: it is still a valid code. it is an offer for customers who have a credit card with us do you?"

mrvirgo said:
P.S. I haven't used my BofA credit card for five years. I use my Chase Cash Rewards card instead (5% gas/groceries)

During those five years did you do any transactions to keep it open? Or did it just stay open anyway? Or do you even know for sure if it's still open?

I may have used my BofA credit card once or twice during the last five years. I can't really remember. At any rate, the card account is still open. I used it in the last 30 days hoping it might speed the $100 bonus along.

Anyone having this issue? I have 2 BOA credit cards, and I applied for the myAccess checking back on Monday. When I try to log into my credit card accounts, I get prompted with:

boa website said:
Other Bank of America Accounts Detected: Enter ATM PIN

Quick Help

Skip Quick Help
Use this page to upgrade to full-service Online Banking. You will have access to all your Bank of America accounts.

What do I need to do?

* Enter your Bank of America ATM or Check Card personal identification number (PIN) so that you can view all your other accounts online.

Provide all the requested information to get started with Bank of America Online Banking.

Our system indicates that you have other Bank of America accounts in addition to your credit card. To access Online Banking, please provide the requested information. Some links and help information may be repeated.


Bank of America ATM or Check Card Number:
Bank of America ATM or Check Card PIN:
E-mail Address:


I don't have my new account numbers/pin numbers yet because I applied only a few days ago and I haven't got the welcome packet in the mail yet. It does not let me cancel this or bypass it, and won't let me in to access my credit card accounts. What are we supposed to do.. wait 2 weeks for our pin # and not have online access until then?

In the past whenever I've had online issues with BOA's website, tech support has been very helpful. Have you tried to ask a live person to help you out with this problem? It can't hurt to try. I hope this helps.


drdavidge said: Anyone having this issue? I have 2 BOA credit cards, and I applied for the myAccess checking back on Monday. When I try to log into my credit card accounts, I get prompted with:

boa website said:
Other Bank of America Accounts Detected: Enter ATM PIN

Quick Help

Skip Quick Help
Use this page to upgrade to full-service Online Banking. You will have access to all your Bank of America accounts.

What do I need to do?

* Enter your Bank of America ATM or Check Card personal identification number (PIN) so that you can view all your other accounts online.

Provide all the requested information to get started with Bank of America Online Banking.

Our system indicates that you have other Bank of America accounts in addition to your credit card. To access Online Banking, please provide the requested information. Some links and help information may be repeated.


Bank of America ATM or Check Card Number:
Bank of America ATM or Check Card PIN:
E-mail Address:


I don't have my new account numbers/pin numbers yet because I applied only a few days ago and I haven't got the welcome packet in the mail yet. It does not let me cancel this or bypass it, and won't let me in to access my credit card accounts. What are we supposed to do.. wait 2 weeks for our pin # and not have online access until then?

mrvirgo said: In the past whenever I've had online issues with BOA's website, tech support has been very helpful. Have you tried to ask a live person to help you out with this problem? It can't hurt to try. I hope this helps.

yea i tried.. all they said is that i will have to wait for my atm card and pin number before logging in. its weird they dont give you the option to skip the adding of a new account

Tried opening an account from the link.. BTW I have a BOA CC. The App never asked for the credit card info. Only info which it requested was SSN. Is that the way it is? Anyone who has done the app, please pitch in.

Also the Schedule of Fees at the final stage of the app showed a different fee structure and terms than listed in the promo page ( requires DD, $50 min deposit , ..etc).

Doesn't matter because the deal's been dead since July 19. Of course BOA doesn't tell you that on their site and I had to find out the hard way
Good luck to anyone getting this deal now.

Just chatted with another CSR. She verified the promo code and told that it's valid.

I also just chatted:

SHOULD GET $100 BONUS WITHIN 60 days or less!!!

Chat InformationWelcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Account Specialist. Your chat may be monitored and recorded for quality purposes. You are number 1 in a queue of 1. Thank you for your patience.
Chat InformationYou are now chatting with Fatimah. Welcome to Bank of America. How can I help you complete your online checking or savings application today?
Fatimah: Happy Thursday!! Thank you for joining our live, secure chat! My name is Fatimah. How may I help you today with opening a new checking, savings or CD account online?
You: hello
Fatimah: Hey there]
You: is offer code CH100CSP still valid
Fatimah: Absolutely!
You: for $100 on bonus checking
You: what are the requirements
You: i want it, do i get a ATM card
Fatimah: You would have to make a $25 deposit tonight
Fatimah: We have the MyAccess checking account totally free!!! We do not require a direct deposit or a minimum balance. It comes with our free Online Banking, unlimited check writing and teller transactions, a Platinum VISA ATM/Debit Card, and it comes with a Savings
You: i could do thar
You: i dont need savings
Fatimah: Great! I see you are on the application
You: is that ok
You: yes i am
You: how long until i get my $100 bonus
Fatimah: 60 days or less
You: do i need my savings account cause i dont need it
Fatimah: We recommend it. It's free for 6 months when opened with the checking. That way you can have a free account, start saving, and use it for overdraft protection and Keep the Change
You: i already have a savings with another bank
You: is it required
You: ?
Fatimah: Yes, we highly recommend it
You: is it required? mine currenty has no fees ever
You: and i like that
Fatimah: No
You: ok
Fatimah: I want to make sure that you are taken care of, please do not close the chat session during the application in case you have additional questions during the process, and I will be more than happy to assist you. Please feel free to ask.
You: ok thanks
Fatimah: You are more than welcome
You: do u need to note my promo code anywhere?
Fatimah: You would enter that information on the application in the offer code field
Fatimah: Did you enter the offer code on the account selection screen
You: yes
Fatimah: Then your all good!
You: thjank you
You: any ATM fees?
Fatimah: Nope
Fatimah: Just for using non-Bank of America
You: any hidden fees at all
Fatimah: Absolutely not!
You: ok
Fatimah: .
Fatimah: Did you want to continue on your own or did you want me to stay in case anything comes up?
Fatimah: Your session has expired due to the elapsed time since we received your last message. If you have questions not related to opening an account, you may select from the subjects listed at the following link to contact the appropriate area for Customer Service information. Please click here to view. Thank you for choosing Bank of America. Goodbye.
Chat InformationThank you for chatting on bankofamerica.com. Your feedback is important to us. Once you close this window, please take a moment to fill out our survey and tell us how we did today. The survey takes only a few moments to complete.

I opened 2 BOA accounts for keep the change. I really like the idea. I live in Ohio and there are no branches within 100 miles. Only a couple ATM's near me for money withdraw only.

Talk about a hassle to get money into this account! Other than direct deposit, there is no quick / efficient way to get money in w/o getting punked on costs.

Im not hard to please, but they did not make things easy on me. I received my debit card w/o an option to create a pin. I received an email telling me to sign in to activate online banking, but I never received a login name. I had to make another call to find out the routing number for these accounts. I made a total of 4 calls this week getting things straightened out. Plus their IVR is horrible when trying to get to a live rep.

US Bank has been the most convenient banking experience by far, although they have very few reward perks. I just opened a Chase account, that has gone well too.

Hopefully evertyhing works out better for everyone else.

BoA gave me 4 offers, with 4 different codes:

CH100CTA $100
CH100CSP $100
CH100CS1 $100
CH75CSP $75

I still have screen shots of the offers. I tried more than once. The first one I tried was CH100CTA. They denied the account on the grounds that they couldn't identify me. My 12 years as their customer were not good enough for them. They have special software to identify people, and, regardles of my 12 years as their customer, I don't exist.

Then I tried CH100CS1. This time, I got the account. But there was no confirmation of the bonus code, nor of the opening deposit. They now claim the opening deposit, via credit card, was declined. If it had been a normal purchase for that amount, it would not have been declined. Other usage of the same card after that worked fine, and the available credit was more than enough. Maybe they tried to do it as a cash advance, and it would have been over my cash advance limit for that card. That's just as well, as I would not have wanted it to be a cash advance.

BoA made no attempt to notify me that the opening deposit was declined. If I hadn't noticed it, I would have been disqualified for the $100 bonus, by not making a deposit soon enough.

They now say CH100CS1 was for a $75 bonus. I still have the screen shot showing it was for $100. CSR's are usually wrong, so I'm not going to assume anything yet. I will probably get $100 unless the same idiot who said it's $75 is the one who decides what amount I get. She kept insisting it was $75 even after I told her about my screen shots and the different bonus codes and their amounts.

My frozen Experian report might or might not have been a factor when they couldn't identify me. At first I thought it was, but when I unfroze it and tried again, as mentioned above, they didn't pull Ex at all, hard or soft. They pulled TU (hard) each time.

9000 said: BoA gave me 4 offers, with 4 different codes:

CH100CTA $100
CH100CSP $100
CH100CS1 $100
CH75CSP $75
All of those return with "please enter a valid promo code"

anyone get their $100 bonus yet ?

Deal dead?

While waiting to see if I get the bonus, I wanted to check out the BoA billpay system. But it still shows me the billpay screen for only paying my BoA credit cards. There is no way to get to a "payees" screen. The BoA CSR's are clueless about this. They basically just say "there is no known system issue that would cause such a problem" and act like I'm the only one it happens to and it's probably caused by my computer or maybe I'm lying to them about it. That's the vague impression they give me of what they think the problem is. Has anyone else had this problem? The billpay screen I get has approximately the following layout of links, tabs, etc. Notice the absence of a payees tab:



Search Locations Mail Help Sign Off


Accounts Bill Pay & e-Bills Transfer Funds Investments Customer Service


Pay Bills Review Payments Payment Accounts Automatic Payments



Pay Bills



The following is a list of your e-Bills that are currently available or due. To view the e-Bill, click View. To pay your bill, click Pay.

(list of BoA credit cards I can pay)

faztcobra said: 9000 said: BoA gave me 4 offers, with 4 different codes:

CH100CTA $100
CH100CSP $100
CH100CS1 $100
CH75CSP $75
All of those return with "please enter a valid promo code"

Do any other codes work for you? Has anyone tried any other codes than the above? I assume most people who got a bonus used one of the above codes, right?

Has anyone tried bill pay with their new BoA checking account, to pay a non-BoA credit card? Mine was set up to only allow payments to BoA credit cards, and the BoA CSR's took a long time to figure it out. But they finally set it up right.

One thing I notice about BoA bill pay is that when you enter an account number, you can't paste it. Has anyone else noticed that? Other banks that use Checkfree too, such as Wachovia, let you paste the account numbers.

What is the advantage, if any, of BoA bill pay, over other banks that use Checkfree too? I read in various FW threads that BoA billpay is better than most other banks, but it's just not clear in what ways it's better.

I applied for the checking account with no monthly fee, no direct deposit required on July 11, 2007 and the 100 bonus showed up in the account on August 17, 2007.

9000, i use the Checkfree interface in fidelity investments brokerage (My Smart Cash), and i use to use BOA's Checkfree interface...other then the different "look" to it, i didn't note any difference at all...both allow scheduling by 4 pm for next payment for any electronic bill payment...so both seem to work just as fast.....

most banks use checkfree's actual interface, where as BOA has it's own design linked to their service....Some banks, like WAMU, require longer scheduling for payments (even though they use Checkfree) but that probably relates to the way WAMU has it set-up.....Most banks i have used with Checkfree's interface seemed just as quick as BOAs....

How about this?
http://www.bankofamerica.com/promos/jump/uspsmovers/?adlink=000302072j650000d980
Seems still working for a while.

is this deal still working or dead???

I was told: only soft pull.

B of A emplyee told us that many times promo code input does not work because of their system problems, or being over loaded.

They pull hard!

hard pull, suck boa, 3 times hard pull for a new checking account......

edit:
i managed to remove 2 of 3 inq from experian report...ouch...

should i close my acct and do it again?

Skipping 13 Messages...
What was the working code for gatting $100 with only $25 initial deposit?

mrvirgo said: I've never had so much trouble getting a promotion in my life. You can be sure this account will not be my primary
checking account, now or in the distant future.

Timeline

April 9, 2007 opened MyAccess Checking on line--for credit card holders only: no min balance, no direct deposit
no fees ever
April 16, 2007 funded account at bank branch with $25.00

50 days passed-- you're supposed to get the bonus within 50 days

June 22 called to find out why no bonus, told they'd investigate and get back to me--not a word from BofA
July 6 phoned again rep said backlogged due to large number of clients opening checking accounts for $100 bonus
July 12 called a different number; a special one for California residents will investigate and email or phone with
results
July 16 FINALLY!! account credited for the bonus amount of $100.00

Frankly, I am looking forward to leaving $1.00 in the account and getting monthly paper statements til the end of time
just to get even with this group of incompetents.

P.S. I haven't used my BofA credit card for five years. I use my Chase Cash Rewards card instead (5% gas/groceries)



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