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Edit: No Credit report pull according to CSR.

http://www.njmbank.com/specialoffer/

Open a checking account(1) either Free Access Checking or Stewardship
Banking checking. Make sure to use reference code L-65C-0930 on your application.

Establish Direct Deposit of at least $100 per month of your pay, pension or Social Security in the first 90 days after account opening.

Enroll in Free Online Bill Pay.

Use Free Online Bill Pay at least three times in the first 90 days after account opening.
How about a free account with no balance requirement?

Free Access Checking with Direct Deposit is a convenient account free of monthly maintenance fees, free use of your NJM Bank ATM card, and rebates of up to $8 per monthly statement cycle for ATM fees charged by other banks.

Would you prefer an account with a special return rate of 5.00% APY(2)?

Stewardship Banking includes a great checking account for customers who maintain at least $20,000 in loans or eligible deposits at NJM Bank. Enroll in Stewardship Banking by the end of this summer and your checking balance will earn interest at a special rate of 5.00% APY2 guaranteed to last until December 31, 2007.

You better hurry this exciting summer offer ends September 30, 2007.

1 Checking account must be funded with new money not already on deposit at NJM Bank.

2 The Annual Percentage Yield (APY) of 5.00% is based on an introductory interest rate for this Stewardship Checking account of 4.88%, fixed through December 31, 2007. As of June 18, 2007, the non-promotional variable interest rate for existing customers holding the same account is 2.13%, meaning the "blended'' APY would be 3.68%, representing the total yield on the account over a term of one year. At its discretion, NJM Bank may change the interest rate and APY on this account as of January 1, 2008, or at any time thereafter. Minimum deposit to open this account is $100; additional terms and conditions apply.


have not personal experience with them. Will apply myself and post any interesting info here.

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where does it say when they'll give you $100?

Just opened one over the phone. Cannot apply online. She said once the 2 requirements are met, I'll get $100 automatically.

One tricky thing about this is the direct deposit requirement. It requires DD from pay, pension or social security. I plan to transfer $100 from FNBO to this checking. Hope that counts.

welphd said: Just opened one over the phone. Cannot apply online. She said once the 2 requirements are met, I'll get $100 automatically.

One tricky thing about this is the direct deposit requirement. It requires DD from pay, pension or social security. I plan to transfer $100 from FNBO to this checking. Hope that counts.


Something tells me that it probably won't work. The wording specifically mentions "Pay, Pension or SS". Plus smaller banks usually check accounts and credit bonuses manually so there is a very small it goes unnoticed.

You're probably right. This doesn't look like the easy bonus from chase. well, I'll just not sign the application.



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