my DW was denied based on the same reason: unable to verify identity. (from Chelsea Page @ flagstar)

Thank you for your recent new account application. After reviewing your file, we regret to inform you that we are unable to comply with your request because of verification problems with your identity.

If you feel this is an error, please attempt to reapply at www.flagstar.com.

If you have any additional questions or need assistance, please call us toll-free at (800) 642-0039 or email the Internet Banking department at inbound@flagstar.com.

Unfortunately, they didn't give me an opportunity to prove my identity. They just denied me and that was that.

$100 bonus posted to my account on 7/22, after real direct deposit on 7/10.

DoanB said:Not sure if anybody did this before but I wonder if I can open an account for my wife who is SAHM and then use my employment income to fulfill DD for her to get the $100 bonus...

would anybody please share your experience if this will work? Thx!This worked for me.

Porqin said:$2 maintenance fee on 7/21. I have the FREE CHECKING. Anyone else have this fee?

Do you have recurring direct deposit of at least $250 a month? I haven't been charged a maintenance fee yet, but I have the minimum DD per month.

If you are interested in getting a few more dollars out of this deal, check out their rewards program. The program itself is not that great, but they do have bonus points awards for performing some transactions you may already have done. You get 2500 points for direct deposit, 1500 points for choosing online checking statements, 500 points for opting to receive e-mails from the program when you sign up and 250 points for using your debit card as a credit card for your first purchase (only 100 if you perform a PIN transaction). Plus you can combine points from multiple accounts whether they are family members or just friends!

It is easy to get 9000 points between 2 linked accounts without doing anything above what you did to open the checking account (2500 + 1500 + 500 = 4500 * 2 = 9000). You can redeem for gift cards at some good retail stores at the rate of 2500 points for a $25 gift card. If you want cash, you need 5000 points for $25.

Credituser said:catbertsf said:hard pull AND real dd required.... seems to not worth the trouble.
I opened the account online on 6/22 and do not see a hard pull on my credit report after checking again this morning. I already have online access to my account, so I think a soft pull is all that is happening with an online application.

Real DD does seem to be a requirement as all posts on this thread that discuss ACH say it did not satisfy the DD in the past.

Did you check all of your 3 credit reports? You are the only one saying that there is no hard pull.

Credituser said:viptext said:Credituser said:catbertsf said:hard pull AND real dd required.... seems to not worth the trouble.
I opened the account online on 6/22 and do not see a hard pull on my credit report after checking again this morning. I already have online access to my account, so I think a soft pull is all that is happening with an online application.

Real DD does seem to be a requirement as all posts on this thread that discuss ACH say it did not satisfy the DD in the past.

Did you check all of your 3 credit reports? You are the only one saying that there is no hard pull.I have been checking my credit report and as of 8/18 I do not see any hard pulls in regard to opening the checking account. I have since opened a money market account with Flagstar as well ($1,000 opening deposit gets you another 1,000 reward points) and there was no hard pull with that either. (2500 for direct deposit + 1500 for online statements + 1000 for money market account = 5000 points = $50 gift card to WalMart, Home Depot, etc.)

Neither my mife, nor I have incurred a hard pull from opening the Flagstar accounts. My wife and I opened our accounts online, so perhaps those that visited a branch have different results? Would others who recently opened an account please respond to this post stating whether you had a soft or hard pull?

I mean the credit report you checked is from EQ, EX, or TU, or all of them? Thanks for sharing.

is this still alive?

I did not receive a hard pull even though I did get the debit card. You need the debit card if you are going to persue the rewards points gift cards discussed above.