free 50$ from perkstreet by opening a checking

no DD required
no minimum balance requirement
25$ min to open
account must be active to avoid maintenance fee, by using check card, checks, DD, etc

link

$4.50 monthly fee for an inactive account, though a deposit or online billpay will satisfy this.

If someone can confirm no hardpull, I'm in. I would email customer service for the info, but last time I tried that (BB&T), it was a lie.

peteron said: http://www.fatwallet.com/forums/finance/260724

not in the list, seems no hard

The absence of evidence is not evidence of absence.

New bank it seems, I'll let a few guinea pigs go first. I did send an email to check though.

looks like a new bank focused solely on checking accounts.

The site says its FDIC insured under Bancorp Bank (#35444)

CRS claims a soft pull only. Can anyone tell the diff between a regular and a "plus" account?

Edit, nevermind, I see the "plus" includes overdraft. I'm in as well.

I'm game

Did anyone use a reference code? Also, did anyone receive confirmation that they were eligible for the bonus after signing up?

I signed up and funded $500 w/credit card. Here goes nothing.

Anyone know the routing number?

umafuaba said: I signed up and funded $500 w/credit card. Here goes nothing.

Anyone know the routing number?

Routing Number is 031101114 according to CSR.

umafuaba said: I signed up and funded $500 w/credit card. Here goes nothing.
With minimum opening deposit of $25, why are folks funding with $500?

umafuaba said: I signed up but have yet to receive the email instructing me how to access my account? Has anyone been able to get access to the account yet?

It arrived about two days after I opened the account.

Has anyone's transaction posted?

chimmy826 said: skwz said: Has anyone's transaction posted?

Credit Card transaction? If so, then yes it did, but it took about three business days.

Did it show up as a purchase or a cash advance?

Also, I'm confused where another poster above said they charge 2% for funding from credit cards. Is this true?

Can anyone verify that there was no hard pull? So far, all I've seen is someone quoting a CSR, which isn't that reassuring.

I can't imagine an ING push wouldn't constitute a "deposit". Remember, you only have to make a deposit, not a direct deposit, monthly for this promo.

Does anyone know if there is a fee to withdraw money to an external account?

In registering a external bank account it says, "A convenience fee does apply to outgoing transfers." But I can't find anywhere where it says what that fee is.

AugustFour said: My PERKSTREET CHECKING account appears on https://www.digitalbancorpbank.com/onlineserv/HB/HomeBanking.cgi...

This is on hthworldwidebank.com site, which is the online arm of bancorpbank.com. I used to have ONEPOINT CHECKING with hthworldwidebank.com, so both accounts now appear alongside each other. Is this the same with the rest of you who opened a new PERKSTREET CHECKING account for the bonus?

Yeah, it works... but, while listed, I still can't get through with mint.com

umafuaba said: Just received this email from them:

PerkStreet CSR said: Thank you for your account application. Unfortunately, your account application has been denied by our new accounts department. You will be receiving a letter explaining the reason for the bank’s decision, please refer to it for additional details.

Best Regards,

Customer Service
Perkstreet Bank
866-792-2834

Too many recent ChexSystem inquiries maybe? I'll wait for the letter.

They dinged me because of "an unsatisfactory report from ChexSystems". I don't think there's anything negative in my Chex report, except I've opened lots of accounts. I'm not sure if applications for CDs go through Chex routinely, but it's especially lame to be rejected for a deposit account because of maintaining "legitimate" CD ladders.

My username is my SS#, which is displayed in full when logged in. Could be stolen by
malicious screen capture code.

bankdealsrule said: A few things I noticed:
-People need to read the Full Disclosures and Schedule of Fees for account before opening.
When should someone NOT read the disclosures
-Deposits do not earn interest. Minimum deposit $25.
Oh noes, no .01% interest on my $25
-You must keep track of your purchases so that you never overdraft; fees are high!
If you can't keep track of balances, you have no business signing up for online banks for bonues... and $30 NSF fee is pretty standard
-YMMV for bonus; $50 or $75 or $100 bonus offers available (may vary by your home state and in)
Where do you see anything other than $50
-Bonus posts to account within 15 days after having "active" account for 3 months
We know

-The "PLUS" perk account with overdraft protection cause hard pull inquiry. Not sure without it.
No pull for me without the PLUS. Overdraft protection is for suckers
-If you make non-PIN purchases on your birthday, you get 25% more perks.
Just saw that... Don't see any caps or limits... 1.25% on anything is better than anything I have now (though the Schwab card is still around), but not sure if I could time a massive coin purchase on my birthday.

lol...I would have picked both answers too if I could