Posted by Chuck on June 23, 2017
Checking Accounts

Published on June 23rd, 2017 | by Chuck


Elements Financial 2% APY Rewards Checking on up to $20,000

Offer at a glance

  • Maximum bonus amount: 2% APY
  • Availability: Nationwide
  • Additional requirements: 15 transactions
  • Hard/soft pull: Soft
  • ChexSystems: Yes (note: they are Chex sensitive)
  • Credit card funding: None
  • Monthly fees: None with e-statements
  • Early account termination fee: Bonus forfeit if closed within six months (should not affect 2% APY rate)
  • Insured: NCUA

The Offer

Direct Link to offer

  • Element Financial Credit Union offers a rewards checking with a 2% APY rate on balances up to $20,000

To be eligible for the 2% rate:

  • You must have at least 15 transaction on the account each month; this includes the following: debit card purchases, checks, bill payments, ATM withdrawals
  • You must have a balance of $100 or more

$200 Bonus

This is no longer available

There’s also a $200 bonus for opening up the checking account if you use promo code: CHECK200

Direct Link

The promo page is for State of Indiana employees and family members, but readers note they got the bonus by using the promo code despite not being an employee or family so it might work for anyone. Other readers signed up first for a savings account, and got the $200 sent their way via email.

The only requirement mentioned is that you get a $500 recurring monthly direct deposit within 60 days of checking account opening and submission of applicable promo code at application.

See what counts as direct deposit here.

The Fine Print

  • Annual Percentage Yield is variable and may change after account is opened. APY is 2.00% on balances up to $20,000, 0.10% on balances greater than $20,000.
  • Dividends will be paid per statement cycle requirement.
  • At least one accountholder must be at least 18 years old.
  • You must maintain a minimum average daily balance of $100 to earn dividends. Accounts not meeting the qualifying threshold will earn 0.05% APY.
  • One product offer of each type per household.

Avoiding Fees

To save yourself from the $5 monthly fee, be sure to enroll in e-statements. You need to keep the account open for six months to avoid forfeiting the bonus.

Membership Requirements

The credit union is available to anyone nationwide. Most people will only be eligible to join the credit union by paying a $5 fee to Tru Direction.

Our Verdict

This isn’t the best rewards checking account but the $200 bonus makes it worth signing up for. Because of that I will be adding this to our list of the best checking account bonuses. Elements also has a number of credit cards that offer a $300 cash bonus.

147 Responses to Elements Financial 2% APY Rewards Checking on up to $20,000

  1. Travel Griz says:

    Last year they ran a promotion for a 2% APY money market account, no hoops to jump through, and no limits on the balance that earns at that APY.

    It was for new customers, namely state employees but there was no verification of employment. I was a state employee at the time anyway. Would have mentioned if I know about DOC back then! I’m still getting my 2% so I’ve been very happy.

    They have a decent mobile app for depositing checks too.

  2. Kelly says:

    I sent in info on this bank about a month or so ago. There was a bank bonus too for the checking account. Not sure if it’s still around now. The bank bonus was paid out very quickly!!

    • Roberto says:

      How much was the bonus? Does anyone else know if it’s still available?

      • EO says:

        Bonus was for $200. Promo code is: CHECK200

        Required a $500 direct deposit (Goldman Sachs bank account worked for me.) I don’t see an expiration date listed in the email, so you may wish to try it.

          • EO says:

            I should just note that I am not an IN employee (or related to one) and successfully received the bonus.

          • Chuck says:

            Thanks, added a note about the bonus to the post.

          • Yosh says:

            When applying, did any of you receive instant approval? For me, it says that a team member will be reviewing my application and that I should receive a response within one business day. Does this likely mean I am going to be denied? I do not live in Indiana either. Pretty much just taking a chance with this promo and hoping for the best.

          • themanwhocan says:

            When I applied, I was granted the Savings account, but denied the credit card. So, I then applied for the Checking account to at least get the free Equifax 08 credit score.

            I’ve received the debit card for the Checking account, but apparently they don’t send a book of checks unless you request them. However, I still cant get a FICO score from them, so I don’t know how long it will be before they generate one that I can see.

        • Ken says:

          @EO – Where do you live?

        • Eric says:

          You are the one that opened many M&T accounts, correct? If so, did you open this account before or after those were added to your Chex report. I’m trying to figure out if they are very Chex sensitive or not.

          Does a credit card withdrawing money from your checking account count toward the 15 transactions? Does Elements limit you to 6 withdrawals per month?

          • Ken says:

            The 6 max withdrawals only apply to savings accounts, and this is a checking account.

          • Eric says:

            That’s not true. I have a checking account with All America and they limit me to 6 withdrawals per month or there is a fee.

          • Ken says:

            The 6 withdrawal limit is a federal regulation, and it’s only imposed on savings accounts. And looking at the All American website they only advertise the limit for their savings account. What would be the point of a checking account that limited you to only 6 transactions a month? I think you’re mistaken, but if you can prove me wrong please do.

          • Eric says:


            I realize now that I should have added the word “free” in my initial question.

            Do you have this account? If so, do you know the answers to my other questions?

          • Ken says:

            That’s a money market account, and it’s totally different from a checking account. Basically it’s a savings account with an ATM/debit card. I don’t know why they call it a checking account though since the government considers all money market accounts savings accounts.

            But no, I don’t have this account. I would love to know the answer to your question though, as I’ve opened quite a few accounts recently and most were from M&T. I tried with KeyBank recently and was denied with only 6 new accounts in the past 12 months at the time. This was before the M&T gravy train.

          • Eric says:

            My guess is they call it a checking account because we can write checks from it. I’ve never had a savings account that had checks.

            What I don’t understand is why you refer to it as a “savings” account. The bank calls it a checking account and it behaves like a checking account (debit card, checks. etc.) except for the fact that they charge a fee with more than 6 transactions.

            That’s why I wanted to know if this account behaves like my AA account or like my NP account. Unfortunately, no one responded even though I’m positive that others know the answer.

            Even though we had a slight disagreement here (mostly on semantics) I appreciate that you seem to always respond to others when you are asked questions. I always try to do the same as I hate to be on the other side.

          • Ken says:

            In the government’s eyes it is a regulated savings account. That is why I call it a savings account. A Money Market is simply a savings account you can write checks from. It has the same limit of 6 withdrawals per month.

        • Yosh says:

          How long did it take for the bonus to be paid out from the time your DD posted? Did you just do a single DD of 500? Thanks!

          • EO says:

            I made a single direct deposit (via Goldman Sachs savings account) of slightly over $500 on 4/4/17. Bonus of $200 was deposited on 4/6/17 as “dividend adjustment.” Note that it was deposited into my savings account, which I had to open when I opened checking account. I was able to then immediately transfer $200 into checking account.

    • Yosh says:

      How soon was yours paid out? I pushed 500 into the checking account via ACH and it posted on the 15th. However, the bonus has not been deposited into my member savings account, yet. Did you use a real direct deposit? Also, did you input your actual job info (in Georgia) when you applied for this account/promotion? Thanks!

      • Yosh says:

        My bad…my question was meant for Kelly, but anyone with data points are welcome to chime in!

        • Kelly says:

          The bonus posted quickly. I used an employee direct deposit, however, after looking back at the dp I got the bonus before my direct deposit was made through employer. I assume it was from the ACH push from discover bank that I made.

          3/22 ACH push from discover bank
          3/28 bonus posted
          3/31 employer direct deposit

  3. Max says:

    I recently pulled my Chex report and have a lot of DPs. Here’s one: I first opened a Members Savings account (Chex inquiry). Then got invited to open a Checking account for a $200 promo. Opened it, and another Chex inquiry.

    • cm says:

      Is there credit card funding for this? Need to finish off CI Pref.

      • Mike A. says:

        This account cannot be funded with a credit card.

        Also, ACH withdrawals count toward the 15 qualifying transactions

        • Eric says:

          You just answered one of my questions. Do you know the answers to my other questions?

          Does Elements limit you to 6 free withdrawals per month?

          Do they seem to be Chex sensitive?

          • Mike A. says:

            I think this credit union is Chex sensitive. They required me to send them a copy of my driver’s license and a utility bill when I opened the account. See comment below for a response to your other question..

          • Eric says:

            Thanks for the responses.

            How many accounts had you opened in the past 6 and 12 months when you applied?

  4. Mike A. says:

    Hey Eric,

    I think you may be referring to “Regulation D” with your question about Elements limiting accounts to 6 withdrawals per month. That Federal Reserve Board regulation only applies to savings and money market accounts. Elements states that the high interest checking account offers “unlimited transactions” and there’s no mention of fees being applied in response to a high volume of transactions. If anything, Elements seems to be encouraging account holders to make numerous withdrawals by categorizing that activity as a “qualifying transaction” needed to meet to requirements to earn the 2% APY.

    By the way Elements has a bill pay feature which allows you to set up recurring bill payments. In theory one could use this feature to automate ongoing small payments to one’s credit card(s) in order to meet the monthly 15 transaction minimum.
    Mike A

  5. Charles Chang says:

    Declined because of Chex score is too low. Not sure how low though

    • Eric says:

      Did they actually say that was the reason?

      How many accounts had you opened in the past 6 and 12 months when you applied?

      • Charles Chang says:

        Yes, they did.

        Elements Financial uses an overall qualifying score, Chex Systems, and several other identity verification systems as our guideline for granting membership. Unfortunately, your score was not sufficient to join Elements Financial at this time.

        Can’t remember how many I opened, but the last one was quroum back in Jan. Requested a chex report and see how that many I have.

        • Mike A says:

          Hey Charles,

          Perhaps it was for the best that you didn’t open an account with Elements Financial. If you had opened an account with those Chex inquires then your account would likely have been flagged as potential identity theft which can make for an ugly banking experience. Elements Financial has a hyper vigilant fraud team that will freeze or shut down your account with no advance notice. Within two days of my account being opened it was frozen because the future dated bill payments I set up and the incoming transfer from a recently opened external bank account triggered identity theft flags. Even though I spoke to a fraud investigator and supposedly had my account cleared, the funds are still frozen almost a week later. I regret opening an account with a credit union which has so far treated me like a criminal.

          • Charles Chang says:

            Thanks for sharing your story! That is truly annoying.

            I did receive a second email saying their decision was based on:
            Key factor(s) in our decision (which may be a result of conflicting information):
            * We could not validate your identity
            * We could not validate your address
            *The social security number you provided could not be verified
            * Other:
            * This decision was not based on a credit report, but rather your application was incomplete or we obtained information from an outside source other than a consumer reporting agency. You have a right to receive the nature of this information if you make a written request to us no later than 60 days after you receive this notice.

            with so much conflicting information, I think I’d better off with this CU

        • Eric says:

          How many accounts did you end up having on the report?

    • Harv says:

      I was not aware that Chex uses a numerical scoring system.

  6. Ken says:

    Has anyone opened one of these accounts with many Chex inquiries?

  7. Josh says:

    Chuck: You mentioned that this will be added to the best bank bonuses page, but i don’t see it there. FYI

  8. Nick says:

    I don’t see anything about an early termination fee. Does anyone know how long the account has to be kept open?

  9. Yosh says:

    Got the bonus! Nowhere near the supposedly targeted area. Took about 5 business days after ach push from cap one 360. Best of luck!

  10. sonia says:

    What are the requirements to only get the $200? I can’t seem to find it anywhere. thanks

    • Chuck says:

      I added the requirements a bit ago. It’s just a $500 recurring direct deposit. You can find it in the fine print on the linked promo page.

      • Bob says:


        Fine print says of all offers:

        One per household

        Keep six months or bonus will be taken back.

        Thanks for all you do.


        from fine print on landing page:

        Applies to All Offers:

        If account is closed within six months, we reserve the right to deduct the bonus at that time.

        One product offer of each type per household.

      • Chong says:

        Recurring direct deposit seems to be a bit broad. How often should we be setting transfers to come in?

  11. Blake says:

    Anyone know anything about the early termination fee? Thanks.

  12. Sa says:

    I don’t do the deals for credit unions. If I open an account at a credit union is not just to grab the bonus. Somehow i do not see them same as banks. What about you, do you see any difference?

  13. Wong says:

    A hard pull that shows up on Chex is under the “Inquiries Initiated By Consumer Action”, right?

    There’s also a section called “Inquiries Not Initiated By Consumer Action”. Which one of these are soft/hard?

  14. payyoutuesday says:

    Anyone closed an account with this CU? Do you know if it can be done by SM?

  15. James says:

    For those of you that got denied by chex, did it do it instantly? After I applied my application said it would be reviewed.

    Also does it matter how you open the accounts for the bonus? I opened the savings first but it won’t let me open the checking until my savings is reviewed.

  16. DirtyLilRat says:

    So we select the “High Interest Checking” account for the $200 bonus?

  17. Eric says:

    Am I better off trying this offer or the $300 credit card offer first to maximize my chances of getting both?

  18. MoreSun says:

    Applied for the savings and high interest checking account got “A Elements Financial representative will email you within one business day with instructions for completing the application process” message at the end.

  19. rfclub says:

    got denied after emailing driver license and bank statement (address verification)

    • MoreSun says:

      Now that’s just messed up! But it in combination with the batch Chex related denials gets me thinking- wonder if anyone is going to get approved with the promo code now?

  20. Ender says:

    Denied for low Chexsystem score……less than 10 new banking accounts for 12 months

  21. Josh Click says:

    Denied for low chexsystem score. about 15 new accounts in last 3 months

  22. noturbizniss says:

    just got denied because:
    Thank you for your application to join Elements Financial. We appreciate your interest in utilizing our services, however, we are unable to approve your membership at this time.

    Elements Financial uses an overall qualifying score, Chex Systems, and several other identity verification systems as our guideline for granting membership. Unfortunately, your score was not sufficient to join Elements Financial at this time.

    Thank you for considering Elements!


    We regret that we cannot open your account today due to information received from ChexSystems, a consumer reporting agency. ChexSystems did not make the decision to disapprove your account application and is unable to provide you with the specific reasons why the decision was made.

    GOt the above for me and my wife. I did open severalaccounts in the last week (citi, pnc, bmo harris, M&T).
    I requested chex report. I thought that chex only shows negative info?

  23. Chuck says:

    Ok, looks like they are Chex sensitive. I’ll add that to the post.

  24. HardTacoKit says:

    Yeah, I just got this message. I’ve opened about 16 checking accounts this year:

    Thank you for your application to join Elements Financial. We appreciate your interest in utilizing our services, however, we are unable to approve your membership at this time.

    Elements Financial uses an overall qualifying score, Chex Systems, and several other identity verification systems as our guideline for granting membership. Unfortunately, your score was not sufficient to join Elements Financial at this time.

    Thank you for considering Elements!

  25. NN says:

    denied too. same message
    more than 10 Chex inquiries
    oh well, it’s time to get myself new Chex report :))

  26. Darv says:

    Denied. They won’t tell me why I am denied other than they use a “scoring system,” based in part on ChexSystems. I was thinking of challenging them further on this, since it’s a B.S. response, and actually they opened themselves up, since if they used information from something other than ChexSystems, I’m entitled to a copy of any other reports they used.

    So these folks are full of it. They can’t come out and say “we think you have too many recent records on your ChexSystems report and you are denied based on that.”

    Oh well, not worth further effort. If you’ve been hitting bank bonuses hard, you probably won’t be approved, but the app only takes 5 minutes, so can’t hurt. A ChexSystems “inquiry” almost never hurts, so no real harm here, except the B.S. response.

    • Ken Mcure says:

      They can’t come out and say “we think you have too many recent records on your ChexSystems report and you are denied based on that.”

      Why not? They can deny you for whatever reason they feel like (except the usual equal opportunity reasons).

    • Kwei says:

      Ya I got the same thing. Lame

    • Eric says:

      If you are denied does it still show up on your Chex report?

  27. Stack101 says:

    I went for checking and cc, but same thing denied for low ChexSystems score, about 7 inquiries in last 3 months, 8 in last 24 months, if M&T did double pull per app, then I may have 9 inquiries in last 3 months.

    • Eric says:

      Did you get approved for the cc? How many hard inquiries have you had in the past year?

    • Stack101 says:

      Damn, they pull my EQ as well (though not a big deal), probably due to CC app, but they didn’t even approve the membership, why bothered unless their system automatically pulls when a CC is submitted, this sums up the worst app experience to me so far.

    • MoreSun says:

      FWIW M&T did double pull me. Since you’ve been denied you should order your Chex report and you’ll be able to check for yourself.

  28. Kwei says:

    I can confirm they are super sensitive to Chex. I don’t have that many and was denied! Totally stupid bcuz I was going to max out the deposit amount. Oh well I’ll move it somewhere else with a higher rate

  29. Zach says:

    Denied for Chex score. I have 7 in the past 6 months.

  30. DirtyLilRat says:

    Denied for Chex score. Fools.

  31. Stammers95 says:

    Denied as well due to Chexsystem with too many inquires

  32. shawn says:


  33. Win says:

    Denied, based on Chexsystem report.

  34. dan says:

    denied; lol, think this CU is for folks who only have a couple of bank accts open in the last 1 or 2 yrs

  35. YL says:

    Got the message today. Denied. 🙁

  36. Julia says:

    Got the same message, too. This bank is too strict and is not meant for money makers like us.

    Dear Julia,
    Thank you for your application to join Elements Financial. We appreciate your interest in utilizing our services, however, we are unable to approve your membership at this time.
    Elements Financial uses an overall qualifying score, Chex Systems, and several other identity verification systems as our guideline for granting membership. Unfortunately, your score was not sufficient to join Elements Financial at this time.
    Thank you for considering Elements!

  37. Eduardo Baez says:

    Got same denial message. Took this rejection as a golden opportunity to request a free copy of my ChexSystems report. When I get it, I will post the exact number of inquiries during the last twelve months.

    Dear Eduardo,

    Thank you for your application to join Elements Financial. We appreciate your interest in utilizing our services, however, we are unable to approve your membership at this time.

    Elements Financial uses an overall qualifying score, Chex Systems, and several other identity verification systems as our guideline for granting membership. Unfortunately, your score was not sufficient to join Elements Financial at this time.

    Thank you for considering Elements!

  38. Luke says:

    Approved with 11 accounts opened this year.

  39. Ferris says:

    Looks like everyone is getting denied. Can any people share data points on exactly how many new accounts in last 12 & 24 months if they got approved?

    • Yosh says:

      Approved with 12 accounts in past 12 months. Relatively new to collecting bank bonuses so I can’t really comment beyond that. I did apply with a passport rather than a driver’s license though. Not sure if that made the difference.

  40. Adrian says:

    Denied as well.

    11-12 accounts in last 4 months.

    Oh well! There’s plenty of other bonuses

  41. josmo says:

    Approved with 15 acct in 2 month

  42. Linda says:

    Do you have to pay the $5 to join the credit union in order to apply? i.e. if they deny your application, are you still charged $5? I filled out the application for the checking account, but at the very end they ask you to choose your funding method with an electronic check and then you hit “submit application”. I held off because I wasn’t sure if the $5 fee to joint the credit union would be charged regardless of the application status.

  43. lumangoy says:

    has anyone tried their reloadable debit card?

  44. Howard Hoffman says:

    How do you do a $500 transfer from Cap One 360 to your Elements checking account to qualify as a recurring ACH? Do you simply transfer $500 from Cap One 360 to the Elements account?

  45. Theory says:

    Denied, based on Chex. I’ve done around 15 bank bonuses in the last six months.

  46. Luke says:

    6/26/2017 – Account Opened
    6/29/2017 – Transfer from Alliant CU
    6/29/2017 – Bonus posted into savings account

  47. Kaung says:

    Wow, genuinely surprised I was denied for Chex reasons. Only activity this year regarding bank accounts as follows:

    – Closed WF in May
    – Opened Chase in May
    – Opened BMO Harris in early June
    – Opened First Tenn June 29

    I technically started my app with Elements on June 28, but didn’t give them all the info I needed until last night.

    So you’re looking at 3 new openings at most this year for a denial?

    • Gadget says:

      And, WF & Chase (typically) do not use Chex… so really only your two new account inquiries counted towards your denial. To be fair, those were really recent and within the same month, but I can imagine how they would frown and mine & SO’s Chex.. I know I’m not going to waste my time (or another inquiry) with these guys.

  48. Eric says:

    For you people that got rejected because of Chex, did you get accepted to the CU and then rejected for the checking account or rejected for both?

    Did you pay the $5 fee to Tru Direction before applying?

  49. ric says:

    submittted my app and its been loading on the final ‘processing application’ page for over 5 minutes…what gives. is it seriously not going to give me a decision or process through? anyone else have something similar happen…

    • ric says: an email saying “thank you for submitting an application…a member will review your application..”

      so didnt get to see any decision on the application submit page since its still ‘forever loading’. did i get approved or am i at least still pending as the email seems to imply? i assume if i was auto denied i would’ve got a differently worded email..can anyone confirm? (i ask because i do have a lot of new bank accounts opened recently and it seems everyone has been having trouble do to chex in getting elements approved)

      • loren says:

        Hey I got the same notification…It says a representative will contact us soon? What should we say since we aren’t targeted/from Indiana?

        • MoreSun says:

          Wouldn’t worry. That’s the same email the rest of us got before the follow up we are unable to approve you at this time email.

          • Eric says:

            Did you need to pay the $5 fee to Tru Direction before applying or is that part of the application?

          • ric says:

            update: im all good but was denied due to chex. i guess thats what i expected to happen. bummer, ive never been stopped due to amount of accounts but i do have a fair amount opened recently

  50. Eric says:

    Moe and I (twice) have both asked a very basic question and not one of you responded. I don’t understand that as everyone that has applied for this account has to know the answer.

    Whenever someone asks me a question I always try to respond (even to say that I don’t know the answer) as it’s common courtesy.

    Can someone please answer the below question?

    Do you need to pay the $5 fee to Tru Direction before applying for the Elements account?

  51. Luke says:

    Its hit or miss, the wife who opened the same accounts as me, was denied.

  52. Annex1982 says:

    Got denied as well due to chex systems… Boooo

  53. Eric says:

    My membership was just denied for my Chex score like many others. Does this mean that I have no chance of getting approved for their credit card?

  54. John says:

    Denied do to Chex Score. Four checking accounts this year, six last twelve months.

  55. Kevin says:

    My $500+ transfer from Ally posted on 7/3, still no bonus…

    • Kevin says:

      Ha! That timing though. I just logged in again, $200 bonus just showed up! So Ally works as well.

      6/23: opened account
      7/3: $500 transfer from Ally
      7/12: $200 bonus into Savings

      • Brian says:

        My timing was very similar. I did Ally and Cap One $500 push and got the bonus today. Will try for the CC now.

  56. Mike M says:

    FWIW I had to submit extra info (drivers license and bill) but the next day I was approved for the account. I’ve opened a CC, 3 checking accounts (including this one) and a business account all within the past 2 weeks.

    Prior to this, I hadn’t opened any new accounts in the past few years.

  57. Andrew says:

    I am NOT a teacher or resident of Indiana
    July 6th – Serve $1500 deposit posted into Elements account
    July 13th – Received $200 bonus

    • Jason says:

      This is most sensitive credit union in the USA. My family 4 person all got denied from them.
      just open 3 account in 2 years. Screw them.

  58. LC says:

    I see you must leave the account open 6 months to avoid account closure, but can you take out the $200 bonus and leave the account open in the interm?

  59. LC says:

    DP: Wells Fargo works as DD.

    6/30 open account
    7/10: $500 Wells Fargo transfer
    7/12: $500 Wells Fargo transfer
    7/12: bonus posted into savings

  60. Greg says:

    6/29 account opened
    7/6: CapOne360 trial deposits
    7/11: CapOne $502.00 push
    7/13: $200 bonus posted as “Dividend Adjustment-Deposit”

    Super quick bonus. Now just waiting 6 mos to close acc. Thanks DoC!

  61. Stevil says:

    The linked page doesn’t mention the CHECK200 promo; anyone have a guess as to whether or not this is still active?

  62. Manny says:

    07/07/2017 Submitted applicant online
    07/07/2017 – >A member of our member service team will review your application and follow up with you soon regarding your application.
    07/10/2017 Application was accepted
    07/17/2017 Pushed $502.00 from Alliant Credit Union
    07/19/2017 Dividend Adjustment-Deposit $200.00 in savings

  63. Wyle says:

    Account *finally* setup after a month of limbo.
    Q: I have a 5 digit member number and a 12 digit checking number. Which is used for DD? Their site only says “contact us to set up direct deposit”. After the setup fiasco, I figured DoC is a better CS source. Thx.

    • RJ says:

      Patience paid off for me with Barclay Arrival+, now I’m trying to be patient with Elements also. It’s been just over a week. It’s tough because the screen after the application said that a banker would contact me within 1 business day, then the email said “follow up with you soon”.

      I want to open other accounts but don’t want anymore ChexSystems inquiries for Elements to see.

      Did yo really have to wait a whole month for them to contact you?

      • RJ says:

        Well, no luck. Turns out they had denied me very quickly, but didn’t bother to tell me. Due to ChexSystems, Prior to this application, I was at 9/24, 6/12, 2/6 no negative info in my file.

        I found out by starting a chat with them. They said that they had sent me an email, which I didn’t get. So they sent it again, which I got immediately. That kinda tells me they never sent the first one.

  64. Ferris says:

    My spouse got approved after verifying ID & Address. Chex Report had 6 inquiries on it before Elements, 5 of those in the last 15 months

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