Case Study: AMEX Checking $300 Bonus Timeline
Opened online with ITIN. Used a Wise transfer with memo set to payroll as fake DD to meet the $7,500 deposit requirement. Bonus posted same day.
AMEX Checking’s current public offer is a $300 account opening bonus, requiring at least $7,500 in direct deposits. No branch visit needed; entirely online.
AMEX recently opened Checking account applications for 900-series ITINs. Previous attempts of mine were all rejected.
Fake direct deposit methods I found on DOC that work for AMEX Checking:
- Kraken
- Wise — memo set to “payroll”
- Schwab Brokerage
- Fidelity Checking — mixed results; failure cases reported
5.6 · Online Account Opening
Applied for AMEX Checking online with ITIN. Same day, contacted customer service via live chat to request a card replacement to a Canadian address.
5.20 · Wise → AMEX
Initiated an ACH transfer from Wise to AMEX Checking, memo set to payroll. Recognized as direct deposit on arrival. Fake DD done.
5.20 · Bonus Posted
$300 account opening bonus posted same day.