Quick Summary
This reference page lists ACH capabilities: outbound [push], inbound [pull], limits, and fees at financial institutions.
The goal is to assemble numbers along the dimensions of a good hub account (perhaps we will find a collection of good institutions). This data will also be merged into the DoC Bank Account Quick Reference Table.
As always please share your data points and ideas to help make this a better resource.
Brief Intro
While not rare, free outbound ACH transfers can be a valuable tool in triggering bank bonuses, maintaining high interest accounts, and assisting in other manufactured activities.
Definitions Table
Column |
Value |
Definition |
Acc Limit |
# |
Maximum number of linked external accounts allowed |
ACH Type |
Pull |
Initiate an inbound funds transfer from an external account |
ACH Type |
Push |
Initiate an outbound funds transfer to an external account |
Avail |
Yes/No |
Online/Web interface exists to initiate ACH Transfers |
Day $ Limit |
$ |
Daily ACH dollar limit across all ACH transfers scheduled for that day. (Initial or Standard) |
Day Tran Limit |
# |
Daily ACH Transaction Limit |
Fee |
$ |
Fee to initiate an ACH transfer |
Month $ Limit |
$ |
Monthly ACH dollar limit across all ACH transfers scheduled for the month. (30 Day Rolling Limit) |
Month Tran Limit |
# |
Monthly ACH Transaction Limit
Savings and Money Market Accounts are limited to 6 withdrawals per month. |
NFB |
$ |
No Fee Balance – Minimum Balance required to keep account maintenance (monthly) fee free. Ignoring other ways (DD, Debit Trans, …) to keep account free |
Speed |
# Days |
An attempt at assigning a value for relative transfer speed in business days
- Bank hold policies can increase transfer time
- Both Banks (sender & receiver) can impact speed
- Tiered service speeds may be offered
|
Tran $ Limit |
$ |
Dollar limit per ACH Transaction |
Financial Institutions
Advantis Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
$20,000 |
|
Pull |
Yes |
$0 |
|
|
$20,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
Affinity FCU
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$15,000 |
$25,000 |
|
Pull |
Yes |
$0 |
|
$25,000 |
$75,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
No Limit? |
|
|
|
All America Bank (Redneck Bank)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000* |
|
|
Pull |
Yes |
$0 |
|
$5,000 |
|
|
*Per Andrew’s DP, increase to $50K with phone call DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1 |
> 20* |
? |
? |
|
Alliant Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$25,000 2,5 |
|
Initial Limit $2,500* |
Pull |
Yes |
$0 |
|
$100,000 |
|
Min Tran – No Lower Limit7 |
*Per this DP, early DP seemed to indicate higher limit; First 30 days lower limits DP, and reported 9 day holds DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 4 |
1 1,2 |
None 2
25 |
|
No Limit6 |
Interest Checking 3 |
*Alliant restriction/throttling DPs
Ally Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$150,000* |
$150,000 |
$600,000 |
Min Tran $14 |
Pull |
Yes |
$0 |
$250,000 |
$250,000 |
$1,000,000 |
Interest |
Ally may no longer be offering next day transfers
*Limits per CSR; Minimum transfer of $1 may exist or not, last DP $0.01
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1-3 1,2,4,7 |
203 |
|
|
Per CSR more than 20 per req. |
*Another Account Limit DP, ~100 Total, 20 Lifetime DP
Amalgamated Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,000 |
$2,000 |
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
Amegy Bank (of Texas)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$2.50 |
|
$5,000 |
|
|
Pull |
Yes |
$0 |
|
$5,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
4 |
|
|
|
American Express Bank (Personal Savings)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
No $ Limit |
Pull |
Yes |
$0 |
|
|
|
|
Amex DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 1 |
[Pull] 5 2
[Push] 1-3 2 |
3 1
43 |
|
6 |
Savings Account Withdrawal Limits |
American Express Serve
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
$2,500* |
Card Balance Limits also |
Pull |
Yes |
$0 |
|
|
$5,0001 |
|
*More Detail See Data Point3
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
N/A2 |
|
1** |
|
|
|
** 1 Account at a time
Andigo Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2-3 |
|
|
|
|
Aspiration
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000* |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
$5,000* |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-32 |
No Limit |
No Limit |
|
|
* First 30 Days subject to $500 transfer limit (both incoming and outgoing). First Week $100 Limit
Atlantic Union Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,000 |
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
$6,000 |
$6,000 |
$15,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
Axos Bank [Formerly Bank of Internet USA (BofI USA)]
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$15,000* |
$45,000* |
Next Day $7 |
Pull |
Yes |
$0 |
|
$15,000* |
$45,000* |
$10 Min Tran
Maybe Less |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
|
5 |
No Limit |
|
|
*Initial $2,000 per day, $5,000 per month first 90 days1,2
Bank of America
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3
$0 |
|
$10,000* |
** |
SafePass Enrollment Req.
$10 Next Day, $30 Same Day |
Pull |
Yes |
$0 |
|
$10,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
3, 1 |
|
|
|
|
*SafePass Enrollment Req. for higher limits, else daily $1,000, weekly $2,500 [More Info]
** 25,000 Weekly Limit
*** DP of $2M Limits, large DP
Bank of the West
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
25,0003 |
25,000 |
50,000 |
|
Pull |
Yes |
$0 |
25,000 |
25,000 |
50,000 |
|
*CSR reports no Daily or Monthly dollar or transaction limit1, DP of lower limits2
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$25,000 |
|
NL |
No Limit |
No Limit |
|
Bank5 Connect
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$6,000 |
$15,000 |
A Lot of Negative Reviews |
Pull |
Yes |
$0 |
|
$6,000 |
$15,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
33 |
52 |
12 |
|
Interest at $100 Balance |
BankMobile
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$3,000* |
|
Min Tran $10 |
Pull |
Yes |
$0 |
|
$3,000* |
|
Initial Inbound $5002 |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
No Limit |
No Limit |
|
|
*$500 Limit for the first 90 days. The daily limit only refreshs when transfers complete.
BB&T
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
$5,000 |
$5,000 |
$12,500 |
|
Pull |
Yes |
$3 |
$5,000 |
$5,000 |
$12,500 |
|
Merged into Truist
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
*DP
BBVA
Note: BBVA was purchased by PNC
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
$1,000 |
$3,000 |
$7,500 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$7,500 |
|
Blue Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000* |
$5,000*
10,000 |
|
Pull |
Yes |
$0 |
|
$2,000* |
$5,000*
10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
1* |
|
|
|
|
*DP
BluPeak Credit Union
(See discussion on initial, and eventual transfer maximums)
BMO Harris
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes* |
$0 |
$5,000 |
$5,000 |
$25,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$25,000 |
|
* New accounts cannot ACH push for 90 days1,2; max $5,000 mobile deposit/5 days3
** Data on Limits DP, new interface DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
5 |
|
|
|
BrioDirect
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes* |
$0 |
$75,000 |
|
$250,000 |
|
Pull |
Yes |
$0 |
$250,00 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
NL |
|
|
|
Capital One 360
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$03 |
|
* |
|
Seen multiple limits |
Pull |
Yes |
$0 |
|
|
|
|
*A prepaid card link warning
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
22 |
35,6,7 |
|
|
DP unable to link online |
*Uncertain on limit – CSR says No Limit, CSR say $2M out/$1M in, DP of greater than 6K6
Account limit may be 3 at a time, so removing and adding a new account may work per this DP
Only one account can be verified at a time per this DP
CFG Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$5,000 |
$30,000 |
Min Tran $1 |
Pull |
Yes |
$0 |
$25,000 |
$25,000 |
$30,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
|
|
6 |
|
Charles Schwab Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0* |
$100,000 |
|
|
Min Tran $1 |
Pull |
Yes |
$0 |
$100,000 |
|
|
|
High Yield Investor Checking
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1** |
No Limit* |
|
|
|
** Same Day Push Credit, 4 Day Pull Hold (Comment), Earlier Comment
*DP of Account Limit at 13 external accounts? DP of 24 external accounts
DP – Limit of 2 Push transactions per day (CSR override)
Chase Bank
*Warning about Chase ACHs*
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$10,000* |
$25,000* |
|
Min Tran $0.01 |
Pull |
Yes |
$0 |
$10,000* |
$25,000* |
|
|
*Higher Limits for Premium Accounts; Some Negative Chase ACH DPs; Chase DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
1-22 |
253 |
|
|
|
Post on Chase Instant ACH Transfers
Chime
Min Transfer $1
CIBC US
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$125,000 |
$125,000 |
$250,000 |
|
Pull |
Yes |
$0 |
$125,000 |
$125,000 |
$250,000 |
|
*DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1 |
20 |
|
|
|
Circle (Mobile App)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1* |
|
|
|
|
CIT Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
No Limit* |
|
|
Pull |
Yes |
$0 |
|
|
|
One Week Hold Inbound?2 |
CIT Bank Online Banking – Might be only a savings account
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1003 |
11 |
10 |
|
6 |
Savings Account |
*Per CSR, Previous Reported Limit $5,0002
Additional comment on transfer speed, funds hold; DP
Citibank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,0001 |
$10,000 |
Next Day Lower Limits |
Pull |
Yes |
$0 |
|
$100,000 |
$100,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5002 |
1-34 |
123 |
|
|
|
Citizens Access
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0
|
|
$250,000 |
$1,000,000 |
|
Pull |
Yes |
$0 |
|
$1,000,000 |
$5,000,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2-3 |
5, 10* |
|
6 |
|
Citizens Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 $0 |
|
$5,0002 |
$10,000 |
|
Pull |
Yes |
$0 |
|
$5,000 |
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$25,000* |
|
|
|
|
|
*Doesn’t appear that basic account can be waived by balance alone, this is for platinum1
Columbia Bank (NJ)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
Comenity Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$10,000 |
$60,000 |
|
Pull |
Yes |
|
|
$10,000 |
$60,000 |
|
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
Connexus Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$25,000 |
|
Pull |
Yes |
$0 |
|
$5,000 |
$25,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
Consumers Credit Union (CCU)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
|
$1,000 |
$5,0004 |
Min Tran $1 (No Lower Limit) |
Pull |
Yes |
$0 |
|
$1,000 |
$5,000 |
|
*DP (limits based on tier of reward checking), Larger limit DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$03 |
Push 2-3 days
Pull Longer2 |
|
|
|
|
DCU (Digital Federal Credit Union)
DP on setup
DP on limits
DFCU
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,500 |
$5,000 |
Min Tran $1 |
Pull |
Yes |
$0 |
|
|
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
5 |
20 |
|
Discover Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
250,000 |
$300K Combined |
Pull |
Yes |
$0 |
|
|
250,000 |
Min Tran $256 |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
Slow |
307 |
|
|
Longer Hold Times1, * |
* More comments on speed: 3, 4, 5, … [Update 2019-03: perhaps quicker speed: DP]
Elements Financial Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$10,000 |
|
|
Pull |
Yes |
$0 |
$5,000 |
$10,000 |
|
|
* DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
|
|
|
|
Emigrant Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
|
|
|
Pull |
Yes |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
2-42 |
|
|
6 |
Savings Account |
Empower Banking
Possibly weekly $2,500 ACH Limit DP
Essex Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
ETrade Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$100,000 |
|
Fraud Alerts?2 |
Pull |
Yes |
$0 |
|
$100,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
3* |
|
No Limit |
|
*One account for the first 60 days, per CSR. Strict lifetime(?) limits see3,4
Evansville Teachers Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$4,000 |
$10,000 |
|
*DP (Initial Limits)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
EverBank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$50,000* |
$200,000 |
|
Pull |
Yes |
$0 |
|
$250,0003 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$251 |
12 |
No Limit |
10 |
50 |
|
*CSR and 4,5
Fidelity Investments
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
$100,000 |
|
|
Min Tran $10 |
Pull |
Yes |
$0 |
$250,000 |
|
|
|
Cash Management Account, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$04 |
1-2 Push3 |
Unknown* |
NL |
|
|
*Online Linking works some of the time2
Fifth Third Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
2,000 |
2,000 |
5,000 |
Min Tran $10 |
Pull |
Yes |
$0 |
10,000 |
10,000 |
10,000 |
|
*DPs per JT, IS250
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
3 |
5* |
|
|
|
First Citizens Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
|
|
|
Pull |
Yes |
|
|
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
First Federal Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
First Foundation
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$20,000* |
$100,000* |
|
Pull |
Yes |
|
|
$20,000* |
$100,000* |
|
*Initial Limits: $10,000 daily, $30,000 monthly
First Internet Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$5 |
|
Varies2 |
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
33 |
|
|
|
|
First Merit Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
5,000 |
10,000 |
$7 Next Day |
Pull |
Yes |
$0 |
|
10,000 |
20,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
First National Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0.501 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
First Tech Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$25,000 |
|
|
|
Pull |
Yes |
$0 |
$25,000 |
|
|
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
15+ |
|
|
|
First Tennessee Bank (Capital Bank)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
1,000 |
1,000 |
8,000 |
$2000/week |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$5,000* |
1 |
|
|
|
|
*No Balance option to waive fees on lower tier accounts1, Startup DP
Flagstar Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
Min Tran: $10 |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
|
|
|
|
FNBO Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$100,000 |
$500,000 |
|
Pull |
Yes |
$0 |
|
$250,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
3+4 |
3* |
No Limit |
No Limit2 |
Slow – Old3 |
*Maybe 6 and notes of FNBO Bill Pay Feature
Fremont Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$5,000* |
$5,000 |
$10,000 |
|
Pull |
Yes |
|
$5,000 |
$5,000 |
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
GTE Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
Yes |
|
|
|
|
|
DP
Hanscom Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
Varies3 |
|
More on Limits* |
Pull |
Yes |
$0 |
|
|
|
|
*Limits based on linked system (per CSR)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
11 |
|
|
|
|
Heritage Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
4,000 |
4,000 |
10,000 |
|
Pull |
Yes |
$0 |
4,000 |
4,000 |
10,000 |
|
*DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
HSBC
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
350,0001 |
350,000 |
2,000,000 |
|
Pull |
Yes |
$0 |
350,000 |
350,000 |
2,000,000 |
|
*Per CSR
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5002 |
33 |
No Limit* |
|
No Limit* |
|
*No Longer servicing basic bank account DP
Huntington
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0* |
2,500 |
2,500 |
10,000 |
Slower Transfer |
Pull |
Yes |
$0 |
25,000 |
25,000 |
50,000 |
|
*6 Free Push and 6 Free Pull Transactions per month before fees per JT
DP* – Larger Limits (looks to be dynamic)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
|
|
|
|
Incredible Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$10,000 |
|
|
Pull |
Yes |
$0 |
|
$50,000 |
|
|
*DP – Max 10 Inbound transfers, Max 10 Outbound Transfers, Max $10K per day
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$300 |
|
3 |
3 – In1
3 – Out |
|
Interest |
- *60 Day Delay on Bank to Bank Transfers1
- $1,000 Minimum to Open Account – maintain?
- $10 Early Close Fee (less than 90 days)
Investors Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$5,000 |
$10,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$10,000 |
|
*DP; A DP with much larger limits $250,000 transfer/daily/monthly
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
5 |
|
|
|
KeyBank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$20,000 |
(Very) Slow Setup1,5
DP of Increased Speed |
Pull |
Yes |
$0 |
|
$5,000 |
$20,000 |
|
*New DP; *Combined Push/Pull4
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
43 |
|
|
|
|
Lake Michigan Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No2 |
$0 |
|
$25,000* |
|
Looks like need to use Bill Pay |
Pull |
No |
$0 |
|
$25,000* |
|
|
* Bill Pay
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-23 |
No Limit |
|
|
May be fee without DD |
Laurel Road
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$12,500* |
$50,000 |
$25,000/wk |
Pull |
Yes |
$0 |
|
$12,500* |
$50,000 |
$25,000/wk |
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
4 |
|
|
|
|
Legacy Bank and Trust
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$2 |
$2,000 |
|
|
|
Pull |
Yes |
$0 |
$2,000 |
|
|
|
DP
Level One Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
Live Oak Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$250,000 |
|
|
Pull |
Yes |
|
|
$250,000 |
|
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
4 |
|
No Limit |
|
M&T Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$10,000 |
$100,000 |
DP of Much Lower Levels |
Pull |
Yes |
$0 |
|
$20,000 |
$100,000 |
|
Most values per CSR. Previously $32 on outbound transfer, Gadget reports no longer a fee
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$500* |
3 |
No Limit |
|
No Limit |
|
*Classic Checking, EZ Choice can be waived with one transaction per month1
Push not available for business accounts?
Marcus (Goldman)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$125,000 |
|
|
|
Pull |
Yes |
$0 |
$125,000 |
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1 |
4** |
|
|
|
*DP, **DP, DP, DP – possible hold on pulls, DP, More
Chime Bank and others (SoFi) may be blocked
Merchants Bank of Indiana
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$5,000 |
|
Limit per external account |
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1 |
51 |
|
6 |
|
Memory Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$2,000* |
$2,000* |
$10,000* |
|
Pull |
Yes |
|
$2,000* |
$2,000* |
$10,000* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
51 |
|
|
|
*DP
Morgan Stanley Cash Plus
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$250,000 |
$1,000,000 |
|
Pull |
Yes |
|
|
$250,000 |
$1,000,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
20+ |
|
|
|
Morrill & Janes Bank and Trust
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,0001 |
$2,000 |
|
Pull |
Yes |
|
|
$2,000 |
$2,000 |
|
*2019 Acquired by Bank of Blue Valley – DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
Moven
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
|
|
|
|
|
|
Pull |
|
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
11 |
|
|
|
My Savings Direct (MySavingsDirect)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
|
|
|
Pull |
Yes |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
1 |
|
|
|
|
*DP
Nationwide Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$10,0003 |
Min Tran $103 |
Pull |
Yes |
$0 |
|
$5,000 |
$10,000 |
|
*Per CSR, (online limit, over the phone limit may be higher)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
10,0001 |
2-32 |
43 |
|
|
|
Navy Federal Credit Union
** Danno notes that ACH pull is only for credit cards and loans.
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000* |
|
|
Pull |
No |
$0 |
|
N/A |
|
|
*Per Stacy’s DP, thanks; COVID related increase
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
No Limit |
|
|
|
No test deposit required, but multiple user accounts from the same computer may trigger a security alert per this DP
North American Savings Bank (NASB)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
$250,000 |
|
Pull |
Yes |
$0 |
|
|
$250,000 |
|
*DP, Newer DP (Lower Limits)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
5 |
|
|
|
Neighbors Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,000* |
|
|
Pull |
Yes |
|
|
$50,000* |
$1M |
|
*Initial Limits – then varies
Northern Bank Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$5,000 |
$5,000 |
$25,000 |
|
Pull |
Yes |
|
$5,000 |
$5,000 |
$25,000 |
|
*DP, DP; DP (Limits increasing with time or activity); Monthly may have increased to $30K
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
|
$0 |
1 |
3
10 |
|
6 |
10 transfers to per day
100 transfer to per month |
Northfield Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$5,000* |
$10,000 |
|
Pull |
Yes |
|
|
$5,000 |
$10,000 |
|
*DP per CSR
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
|
|
|
|
|
|
|
Northpointe Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
One Financial
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$25,000 |
|
|
|
Pull |
Yes |
|
$25,000 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
0 – 3 |
|
|
|
|
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
NL* |
NL* |
Interest |
Pull |
Yes |
$0 |
|
NL* |
NL* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP – $100K+
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
|
|
|
Interest |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0* |
|
|
|
|
|
*Remarkable Checking2
Paypal
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
5 Day Pull
1-2 Day Push* |
|
|
|
|
Parkside Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
PenFed Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,500 |
|
|
Pull |
Yes |
$0 |
|
$2,500 |
|
|
*Acc Limit – None? At least 17, now 5?, 1?
DP – For PenFed’s Premium Online Savings Account, daily external limits are $50K inbound and $25K outbound. All other accounts are $2500 each way.
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2 |
* |
|
|
|
PNC Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
15,000 |
15,000 |
25,000 |
|
Pull |
Yes |
$0 |
2,000 |
2,000 |
5,000 |
|
Suspicious Activity cancelled transaction warning3, Reports of Lower Limits here
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$5001, $0 |
32 |
|
|
|
|
DP of higher limits on established account (another). Netspend Metabank cards blocked
PNC Business Limits DP
Premier Members Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
5,000 |
5,000 |
15,000 |
|
Pull |
Yes |
$0 |
5,000 |
5,000 |
15,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
NL |
|
Prime Alliance Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
50,000 |
250,000 |
|
Pull |
Yes |
|
|
50,000 |
250,000 |
|
*Initial 60 day freeze
Provident Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
2,000 |
2,000 |
|
|
Pull |
Yes |
$0 |
2,000 |
2,000 |
|
|
*DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
Provident Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes2 |
$0 |
|
$3,0003 |
$6,0003 |
|
Pull |
Yes |
$0 |
|
$3,000 |
$6,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
2-33 |
No Limit |
|
No Limit |
|
PurePoint Financial
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$250,000 |
$1,000,000 |
$50K Mobile Daily Deposit Limit |
Pull |
Yes |
$0 |
|
$250,000 |
$1,000,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
1 |
101 |
|
6, Reg D Limit Removed |
4 day hold inbound ACH |
*DP
Quontic Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,000 |
$10,000 |
|
Pull |
Yes |
|
|
$2,000 |
$10,000 |
|
DP
Radius Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
$5,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
No Limit* |
|
|
|
*Per CSR
Ridgewood Savings Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$1,500 |
|
|
Minimum $20/Transfer |
Pull |
Yes |
$0 |
$1,500 |
|
|
$4,500/week |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3-5 |
|
3 |
|
Max 5 Transfers/Week |
*DP
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
Robinhood
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
Brokerage
*Significant additional requirements for another account2
Salem Five Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$32 |
$5,000 |
$5,000 |
$20,000 |
|
Pull |
Yes |
|
$15,000 |
$25,000 |
$25,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
Sandy Spring Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
|
|
|
Pull |
Yes |
$0 |
$5,000 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
4 |
|
|
|
Santander Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$02 |
|
$5,0005 |
$20,000 |
Acc add without test trans6 |
Pull |
No4 |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
75,000* |
13 |
|
|
|
|
*Simply Right – One transaction can waive monthly fee1; Business Checking DP
Seacoast Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
2,000 |
5,000 |
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,0001 |
|
|
|
|
|
Simple (.com)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$10,000* |
$30,000 |
|
Pull |
Yes |
$0 |
|
$10,000 |
$30,000 |
|
*Limited to $5,000 total deposits for the first 30 days
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-2 From;
3-4 To2 |
5 |
|
No Limit |
|
May vary by underlying bank (Compass Bank or The Bancorp Bank)
SoFi Money
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$10,000 |
$1 Min Tran |
Pull |
Yes |
$0 |
|
$5,000 |
$10,000 |
|
*DP, Same Day ACH, DP, On Transfer Limits
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
5-7, 1 |
3, 5 |
|
|
|
Square Cash (Mobile App)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1* |
|
|
|
|
Star One Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
5,000 |
|
|
Pull |
Yes |
$0 |
|
5,000 |
|
|
*All Info Per CSR1
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3-5
Same Day DP |
No Limit* |
|
|
|
DP – On limit, $20 minimum transfer
State Bank of India (CA)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$5 |
|
10,000 |
|
|
Pull |
Yes |
$0 |
|
25,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
State Farm Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes2 |
$0 |
25,000 |
100,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
25,000 |
100,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0** |
1-2 |
No Limit |
|
|
|
**DP
SunTrust Bank
Moved to Truist Entry
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
|
|
|
Next Day $6 |
Pull |
Yes |
$0 |
|
|
$20,000* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
Up to 32
Pull 1 (Sometimes)*
|
|
|
|
|
*Comments note inbound limit3
Synchrony Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$250,000 |
|
|
|
Pull |
Yes |
$0 |
$250,000 |
|
|
|
Not Checking, Money Market Savings (most info per CSR)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
10 |
|
6 |
|
Talmer Bank & Trust
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
TCF Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,500 |
$7,500 |
|
Pull |
Yes |
|
|
$2,500 |
$7,500 |
|
DP*
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
TD Ameritrade
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
250,000 |
|
|
|
Pull |
Yes |
|
|
|
|
|
Cash Managment Account
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
5* |
|
|
|
TD Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,500 |
$3,000 |
$5,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$10,000 |
$20,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$2,500 |
3 |
|
|
|
|
Tech CU
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
10,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
10,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
12 |
|
|
|
|
TIAA Direct Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$50,000* |
|
|
Pull |
Yes |
$0 |
|
No Limit |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
64 |
|
|
Acc Limit per CSR |
*DP
Truist
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
|
|
|
Next Day $6 |
Pull |
Yes |
$0 |
|
|
$20,000* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
Up to 32
Pull 1 (Sometimes)* |
|
|
|
|
*Comments note inbound limit3
Trustco Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2 |
|
|
|
|
T-Mobile Money
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$3,000 |
|
|
Pull |
Yes |
|
|
$3,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
20 |
|
|
|
UFB Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,000 |
$5,000 |
|
Pull |
Yes |
|
|
$2,000 |
$5,000 |
|
2023-05 DP – $15K Pull, $25K Push
Unify Financial Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$3,000 |
|
|
Pull |
Yes |
$0 |
|
$3,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
1 |
|
|
|
|
*DP
Union Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000/$20,000 |
$5,000/$20,000 |
$20,000/$80,000 |
|
Pull |
Yes |
$0 |
$5,000/$20,000 |
$5,000/$20,000 |
$20,000/$80,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
United Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*CSR only stated no fee bank to bank transfers, did not provide limits
US Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3, $0
|
1,250 |
1,250 |
1,250 |
|
Pull |
Yes |
$0 |
2,500 |
2,500 |
2,500 |
|
*Higher Limits DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
2-32 |
53 |
|
|
|
*Platinum Account may not charge $3 fee, per Jennifer M, No longer fee DP
USAA Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000* |
|
|
Pull |
Yes |
$0 |
|
$5,000 |
|
|
Limited Membership
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-23 |
7 |
|
|
|
*Same Day ACH Transfers reflected instantly4
6 account limit for the first 6 months
Varo Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
|
$10,000 |
|
Pull |
Yes |
$0 |
$5,000 |
|
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
Push 1-2 BD
Pull 2-4 BD |
|
|
|
*DP
Vanguard
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
Very Large |
|
|
Can’t initiate ACH other Institution |
Pull |
Yes |
$0 |
|
|
|
5 Day ACH In Hold |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
2 |
|
Large |
NL |
$3,000 to Open |
*DP
Vio Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$25,000 |
$100,000 |
|
Pull |
Yes |
|
|
$25,000 |
$100,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
Push – 2
Pull – 9 |
5
10 |
|
6 Free |
|
Wealthfront
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$250,000 |
NL |
|
Pull |
Yes |
$0 |
|
$250,000 |
NL |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
20+? |
|
|
|
Wells Fargo Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0* |
|
5,000 |
6,000 |
|
Pull |
Yes |
$0 |
|
|
|
|
*Previous $33, Larger DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
2-32,4 |
105,6 |
|
|
|
Western State Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$5,000 |
$10,000 |
|
Pull |
Yes |
|
|
$5,000 |
$10,000 |
|
Whitney Bank (Hancock Whitney)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$800 |
|
|
Pull |
Yes |
$0 |
|
$800 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
20 |
|
|
|
Wing Credit Union
Push and Pull Amounts of $2,500 DP
Zeal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
A Few ACH Strategies
In using ACH transfers to trigger account requirements, a few strategies have popped up:
Some Go Big
Using a few large, popular options – Alliant CU and Ally Bank are often noted.
- (+)s: These institutions offer great hub accounts (free, quick, sizable, … transfers)
- (-)s: But have these options become a little crowded?:
- Ally has a number of failure data points: 1, 2, 3, 4, … for triggering direct deposit requirements (perhaps as a result of a tech upgrade, or perhaps from being blacklisted?)
- Alliant has no current negative data points, but this did pop-up
Some Go Small
Using local credit unions or banks.
- (+)s:
- Being so small it would seem unlikely that any would be specifically blocked, and
- perhaps smaller/(older?)/different tech may have more success triggering requirements.
- (-)s: But being so small, it would be very unlikely that your local institution will ever show up as a data point
Some Go Explosive
And launch a barrage of ACH transactions from multiple institutions, hoping something might trigger the transaction.
- (+)s: It could work – something might trigger the requirement
- (-)s: But it seems fairly:
- Time Expensive,
- Capital Intensive (if $ minimums required on the transfers),
- and in the end you don’t know what triggered the bonus
Some Go Beyond Banks
And use a number of different account types:
I even saw
pop-up on the list.
- (+)s: These are valuable alternatives
- (-)s: But many involve more obstacles and effort than a good hub bank account
Goldilocks Institutions?
Perhaps as a DoC community we can identify a collection/[portfolio] of not too big, not too small good hub accounts.
Ideally, Goldilocks on another dimension too, the size of the signup bonus. Assuming a model where you can only open a limited number of accounts each year, then we wouldn’t want an institution with no bonus (poor value for the inquiry), but also not an institution with a regular large bonus (that might sit on your churning list).
Previously available nationwide, now restricted to California, Tech CU might be a decent example.
At the least hopefully this reference page offers you some value.
Warnings
(In addition to all the standard disclaimers,) this resource is incomplete and filled with errors.
It is an attempt to summarize and categorize rules inferred from community data points.
Definitely tell us where we have made a mistake.
Additionally:
- Personal limits at financial institutions may vary
- Limits for personal accounts (not business but happy to add those data points too)
Final Notes
Please share your data points and ideas on this topic to help make this page a better resource.
Good luck to all the bank bonus miners out there (is that what they call us?).
All the best!
As of April 17, 2024, PNC Bank no longer requires minimum balance for their “Virtual Wallet® Checking Pro with Spend, Reserve & Growth”.
https://www.pnc.com/en/personal-banking/banking/checking.html?lnksrc=topnav
The NASB (North American Savings Bank) website ACH limits are $5000/day and a rolling month limit of $20000. I did not see any mention of any $250000 amounts in the bank information shown above.
From the bank FAQ page.
Funding limits vary and are set within the online account application. NASB Online Banking has a transfer limit of $5,000 a day or $20,000 in a rolling month. These funds are sent and received by a three day ACH process. NASB does not place a limit on funds initiated by outside banks
Henry you need to log into your account and look at the external transfers. There you can click on “view limits” and see what your limits are. I just looked at mine and they are still as before. I do see the faq you are referring to but that information has not been updated for a long time, and is obviously outdated.
When I look at my external transfer limits this is what it shows:
Next-Day
Standard
Thank you for the updated information. I only have a CD account with them, so I do not see a “view limits” link for it. I guess no one updated the FAQ information since it was posted a long time ago. $250K seems to be the higher ceiling for ACH transfers for most banks, except for a small few that offered no limits.
Did ally pull next day transfers? I moved 100K from ally to another bank 2 weeks ago next day. Today (3/25) I noticed transfers take 3 business days in either direction for all banks.
Just noticed this too (3/26). 🙁
Also noticed the same yesterday (3/25) when I tried to pull money from an external account which used to take only one day. All my linked accounts show three 3 days now.
William Charles I think this negative change is front page newsworthy as many readers in this blog use ally as a hub mainly for its next day transfer capability
FYI, Don. Please make a note about Ally. Thank you. I hope that you’re doing alright! Don L
Looks like next-day is working again as of today (3/28). Don’t know if it was a bug or ally reversing course from the negative feedback
and now it back to 3 day this afternoon (3/28)
Maybe they’re monitoring this too…..
Does anyone have a recommendation for an ideal hub account? It seems to me that so many tend to hold money to verify it for too long such as Fidelity CMA.
I use Discover as my main banking account, but they also hold money for several days before making it available, which is annoying and slows me down.
Looking for a new hub as well instead of using my main bank. Started using the churn accounts as a temp hub before closing them out. So many options, should have a poll to see what most folks are using maybe.
Anyone been having Schwab issues lately? I cannot even add any new accounts anymore, without me calling in and them telling me I have to manually fill out a form and send/fax it in.
Same with my P2/P3 accounts.
Looks like I may be looking into finding another hub account.
I was able to add five new external banks to my Schwab account last week. I also entered a six figure transfer request soon after one bank was activated for transfer, but later cancelled it. Note that I am referring to the brokerage and not Schwab bank account.
BTW, Bread Savings is also the Comenity ‘Bread’ Capital Bank 5.15% HYS account.
For Bread Savings: NO 6x per month withdrawal. So it look like you can move lots of money around per month like a hub account should.
There is a 10 day hold on new deposits under 30 days and after 30 days the hold is reduced to 5 days.
Your daily outbound transfer limit is $5,000 per day. You may make up to 4 outbound transfers in a day with the sum of the transfers not exceeding $5,000. [You can also call Customer Service to increase this limit].
Your daily inbound transfer limit is $1,000,000 and you may make up to 2 transfers in a day with the sum of the transfers not to exceed the assigned limit.
Please let me know if you have any additional questions or if I can be of any further assistance. Thank you for choosing Bread Savings.
Sincerely,
Bread Savings Customer Care
Sparky – IMO, Not a good candidate for a Hub account due to the $5K daily outbound limit/4 transfers per day & the 5 day hold on inbound deposits. They’ll let you deposit a lot, but you’d have to use another external account, with high transfer limits, to get your money out.
When I called, Bread Savings said a few times that you could call and increase the (outbound) limit with Customer Service.
Has anyone else with an Amex business checking account been denied adding any accounts? I even removed all 5 and I am not able to add any new ones. I don’t know if I hit an internal limit. Everytime I added a new one I would remove one. Now I can’t add anymore anyways. Strange
Hi G. Don’t panic. That account is known for having some glitches here and there in their early days. Try again in a couple days and see if it would work. In the meantime, what other hubs can you use? G
I’m new to this terminology so I didn’t realize the limits are for transfers initiated by the bank.
hello i would like some advice about what bank to get, i am a small business, and all the time my local credit union returns all direct deposits that are not in my name, and i try to make them understand that i am a vendor and i receive payments in the whole state, please i need a reliable bank for for business that will accept all direct deposit made to my account