How To Meet Minimum Debit & Credit Transaction Requirements

More and more bank account sign up bonuses and special interests require you to have a certain amount of debit card transactions to be eligible. AmEx has also announced two cards that have transaction play a part in the amount of rewards you’ll receive.  Below we’ve outlined ways for you to hit these requirements without breaking the bank.

Debit Cards Only

Circle Pay From $0.50

You can send money to friends/family using Circle Pay, there is no fee to when you use a debit card. Read more about Circle Pay here.

Square Cash From $1

Similar to Circle Pay, but funds will go directly into your bank account. Minimum is $1.

Chime Card From $25

The Chime card is a reloadable debit card which can be loaded with other debit cards. Because of this it’s an extremely easy and cost effective way of meeting minimum debit card requirements. Unfortunately it’s not possible to use credit cards to load though so this will only work for debit card transaction requirements. More here. There is a minimum reload of $25 as well, so this isn’t a great option unless you actually use this card.

Amazon Giftcards From $0.50

amazon gift cards from $0.15Amazon.com allows you to purchase giftcards starting at only $0.50. There are no fees at all (the giftcard is sent by e-mail so no shipping required) and you can purchase giftcards from as low as $0.50 and any amount up to $2,000 per transaction. This is one of the easiest ways to hit these debit card transaction targets and you get a small Amazon Giftcard for your troubles. Purchase Amazon Giftcards here.

Be careful of doing too many of these in a short amount of time, as it can lead to your account being temporarily shut down. You can read more Chuck’s experience with this here.

It’s possible to opt out of pinless debit with Amazon.

Click here to find out how. This may be useful for reaching the requirements of some banks.

Use The Self Check Out Lane At Supermarkets

By using the self check out lane at a super market you are able to put through one item at a time. This can help you meet purchase requirements in one shop. If you do this, please only do it when it’s not busy as it will quickly agitate those in line waiting to use the self check out lane you’re hogging.

Pay At The Pump

Most gas stations will allow you to pay at the pump for your gas. Just purchase gas in small increments.

A lot of charities accept donations as low as $1 when donating via debit card. This is because the fees associated with debit cards are smaller than those associated with credit cards and in some cases these charities have special agreements with the processors.

Final Thoughts

If you have any other suggestions/tricks that we don’t have listed, please share them in the comments below.


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83 Comments on "How To Meet Minimum Debit & Credit Transaction Requirements"

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Jonathan
Jonathan

I tried Amazon gift card with 50 cent. Amazon did take it without asking for a pin but it does not count as 1 pinless debit for myconsumers.org checking requirement.

Chuck

Maybe try editing the setting so that it doesn’t process as PINless debit.

arch
arch

Added debit card to Amazon but it doesn’t classify as debit on the list, just looks like all the other CCs, and I see no way to edit the settings to process with pin. Any pointers? Thanks

Chuck
arch
arch

Did all that but #5 (Uncheck the box that is next to Processed as a debit card) is not shown as an option under EDIT so I am at a loss as to how to proceed

arch
arch

Just to add that I added a Fifththird debit (with pin) last week with no problem and deleted it before adding the Wells Fargo debit today, So doing as pinless may not satisfy the debit requirements, even though I don’t see any terminology to address that?

Brijesh
Brijesh

I usually part-pay my AT&T Bill by $1 each 12 times to meet the debit card requirement. Have not faced issue so far. Anyone has any experience of any issue with this in the longer term?

Schmekel
Schmekel

Same thing.

“Did all that but #5 (Uncheck the box that is next to Processed as a debit card) is not shown as an option under EDIT so I am at a loss as to how to proceed.”

Opting out of pinless seems to no longer be an option.

Linda Nicholls
Linda Nicholls

I just now had an online chat with an Amazon customer service rep about this, and she said that yes, opting out out of PINless debits IS still an option. She tried it herself, also couldn’t see the box or message you’re supposed to get, and said the site was malfunctioning. She reported the problem to Amazon’s tech support team to fix and suggested I try again in a few hours.

scott
scott

You forgot Serve, Bluebird, and Redcard; they can be used just like chime for debit card transactions.

Dan
Dan

Use this link to get $1000 free credit/debit card processing on Square: https://squareup.com/i/E9C8EC38

John
John

Great post! I like the supermarket idea (and I can go when there is nobody there). I get 6% cash back on groceries with my Amex, so in principle I am looking (a) to spend as little as possible and (b) buy stuff I actually use. Believe it or not I actually use Orange Koolaid at $0.20 per packet.

So my question: do any of these banks ever balk at granting that you meet their requirement when either:

(a) the ten transactions are all made at the same merchant within the same 10 minutes

OR

(b) each transaction is for a REALLY tiny amount of money (less than 30 cents)

Thanks in advance!

Chuck

The automated system will accept it. It’s hard to know if a bank won’t like it at some point.

John Stamper
John Stamper

Thanks Chuck! Let me know if that translates bottom line into a recommendation to do something different than what I am proposing (ten debit card purchases for 20 cents each in a ten minute timespan).

Has anyone you know of ever mentioned getting burned for doing that? (I.e. losing their bonus?)

Chuck

For Amex Everyday, I think you’d be fine. Can’t say anything for sure.

trackback

[…] Amazon gift cards (slowly), or load your Serve card or your Chime card, see this post for more options. [At one point, they were requiring a minimum $2 purchases, but then they […]

Fabian
Fabian

You can use Amazon Allowances to set up recurring payments towards a (i.e. your own) gift card balance, minimum if $5 per transaction.

https://www.amazon.com/asv/allowance/create

trackback

[…] (works out to be about $55 per transaction). Personally I don’t mind this, as it’s much easier to generate cheap transactions than spending […]

Victor
Victor

Similar to the self checkout idea, pump your own gas and charge your card a few times during fill up. Unfortunately this won’t work for us in Oregon and New Jersey, where we’re not trusted to pump ourselves.

David_07259
David_07259

I’ve done this a lot. Works great when it’s late at night and you can charge 3-4 times on your card without the hassle of someone being behind you. Then go inside a buy a pack of gum.

jeff
jeff

i’ve had more than one credit card get locked for fraud for as little as 2 gas station transactions in the same day. This was years ago, but the potential is certainly there.

cm

I wouldn’t be so sure that the gas thing can be trusted; it usually comes with an auth for $50 or so, and can easily trigger fraud alerts (at least, with credit cards it very often does for some reason).

Saturn
Saturn

I have done 3 in a row with my WF debit at gas stations, but then the card was not accepted there. I went to a supermarket right after and used it there without problem. Who knows why there is variation.

Superchurn
Superchurn

I do exactly this, and in Oregon. The trick is just to get gas every night…minimal purchase of something you will use, and it counts for my bank. In fact, I double dip with this strategy and pick up a soda or chips or something else small to get 2 transactions per stop.

other than some weird looks from the gas pump people when I fill up with $1.55 of gas, it works great!

Jason
Jason

Did anyone try Facebook messenger send money via debit card?

noturbizniss
noturbizniss

Works for me for the on cu I have with debit requirements.
I send 1 cent at a time to my wife. Just use a different DC number on the other account.

trackback

[…] Amazon gift cards (slowly), or use other options to meet the debit card […]

WB
WB

just do MULTIPLE card transactions (pmt’s) to your existing ‘Regular Bills’ . I do 10 Debit Cards pmt’s [$.02, then 0.3, then 0.4, etc] on Comcast online — initially, I was literally Called-on-my-Phone, as they suspected fraud, yet after I told the Rep what I was doing, all’s been OK since. And since Comcast stores my various Debit Cd #’s, it’s really fast! This is the most convenient, fastest method I know, to satisfy “Monthly DC # of Transactions”

lin
lin

Is online bill pay can count on card transaction also?

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[…] too hard to complete an entry. For those that want to improve the number of entries you get, you might find this page to be helpful. Also keep in mind that the promotion doesn’t start until August 1st, 2016. Goodluck […]

trackback

[…] pretty easy to meet; do some $.50 Amazon reloads or run small charges through at the self-checkout to meet the debit requirement, and automate the ACH transfer […]

Jeff H
Jeff H

Looking for small spend?
McDonalds in many locations has soft drinks for 89 cents. Even with tax, under a buck.
This week, I did a CC on just that to test …. successful charge.

trackback

[…] Read some other ways of manufacturing debit card transactions in the post How To Meet Minimum Debit & Credit Transaction Requirements. […]

Eileen
Eileen

I routinely use the gas pump to fulfill the 12 a month x 6 high interest checking accounts we have. We pump .04 each time and at Irving station in Maine we can do 6 at a time. The first time I did it I did get a call from the credit union checking about fraud. “No, that was me using the card at the gas station” to which the caller replied “wow, you must have been having a lot of trouble at the pump”. I told her “oh you can’t imagine” . They called once more the next month to check and then never again. It’s much easier than the supermarket self check out line.

trackback

[…] Make 20 small purchases per month on the card, e.g. a $.50 Amazon reload or other options […]

trackback

[…] Make 10 debit card purchases monthly (using one of these tips) […]

dan
dan

is anyone now still able to send / xfer $ via google wallet? tried earlier today for WF, but got a msg from wallet as follows:
this debit card cannot be used to transfer money…

hope it was a temp glitch on WF; not a permanent exclusion of Wallet

Steve
Steve

I was just able to tonight. I send about $500 every month to meet my Northpointe Bank requirement. I usually split it into two transfers and just do 13 small purchases elsewhere.

GW did, however, require me to put in my Full Name, Address, and Last four of SSN. That part was a little alarming to me. I’ve been doing this for many months and never went though this type of thing before. I hope they are not cracking down on this type of activity…

Superchurn
Superchurn

Northpointe counts google wallet transfers as a “spend”?

I’ve just been getting a $490 money order every month and spending the rest of the transactions for sodas at work.

Not having to go through a MO would be easier though!

Vern Skare
Vern Skare

What is the “small Amazon giftcard” you get for buying an Amazon gift card as mentioned above?

Chuck

If you buy a $1 gift card, you have the $1 gift card for yourself to use.

Luke
Luke

I’m seeing for the first time a “max number of debit card transfers is 3”. I was doing 17 a month before and now I have 0 available.

https://www.chimecard.com/support/faqs/what-are-the-fees

**Deposits made using an External Debit Card Transfers are limited to three (3) for the lifetime of your Chime Spending Account.

Is Chime dead now for this?

Chuck

It has said that for a while, but some people were grandfathered in. I’m not sure if it’s now dead for everyone, or it’s YMMV.

trackback

[…] DOC also offers its own advice for finding bonuses using […]

allison josensen
allison josensen

square cash , can you send the money to yourself?

Luke Bornheimer

No, but you can send it to a friend or family member and then have them give you cash or, ideally, Square Cash it back to you.

Outlook
Outlook

Yes. Just tried it. Sent the money to another checking account of mine.

trackback

[…] so it’s basically $1 in gift cards per day. Limit of 2,400 points or $45-$48 in gift cards. Ideas for easily doing transactions here. This is one of the best store credit cards because of offers like this (that’s why […]

Jake
Jake

Anyone know if a Venmo payment that draws from your debit card would work?

Another concept to try would be using a debit card to pay off you Citi cards. I’m thinking of this as a solution for the 5x $25 needed for Flushing Bank.

Chuck

Both are good ideas and hopefully will work

Jake N
Jake N

Gonna try out the Venmo idea with Wells. One note on Citi (used for Flushing) was that you can’t make more than one payment per day from a single debit card to a single credit card. You could, however, make payments to multiple Citi cards from the same debit card, or multiple debit cards to the same credit card.

Sidharth Gupta
Sidharth Gupta

Hi Jake,
Did your Venmo idea work for meeting your 5* 25$ criteria?

Jake N
Jake N

Didn’t try it with Flushing (had already done my CC payments on Citi phone). I tried with PNC, but won’t know for a month until I hit my DD minimums.

I’m going to try on Wells though this week and should have more info for you. I do think there might be a min of 10x transactions per day on Venmo (or at least in short order) as I encountered an error after the 9th.

Jake N
Jake N

@Sidharth – I ended up trying this with PNC and Wells Fargo using Venmo 10x $1 and it worked for Wells to trigger the bonus. Jury is out on PNC for another month or two until I hit my DD requirements.

Pil
Pil

Hi, was the Venmo payment considered a purchase on your debit card?

Jake N
Jake N

Yes, it did.

MarcoPolo
MarcoPolo

What about Bluebird?
I think Bluebird allows funding the account using a debit card.

Jake N
Jake N

William Charles / Chuck

Data point on Venmo:
Used the Wells Fargo debit card to make 10x $1 transactions to a friend, which triggered the $250 bonus. I also tried this with the PNC debit card, but won’t know whether it worked until I hit the other requirements for the bonus.

Data point on Citi CC payments:
Used Flushing Bank debit card to make 5x $25 payments to hit a requirement for their bonus. One note is that the reps I encountered would not let you make more than one transaction from the Debit A to Credit A. However, you could do Debt A and Debit B to Credit A, or Debit A to Credit A and Credit B.

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[…] Complete ten debit card transactions [Read: How To Meet Minimum Debit & Credit Transaction Requirements] […]

David M
David M

Big-time noob here, but enjoying getting up to speed on how you guys do all this..

Anyone ever tried using a debit card to contribute to an eTrade account or other investment/IRA account? Does this work? …What about a 529 account contribution?

What about using the Target debit card linked to the checking account? Or will this not work, because it’s not the *actual* CU debit card?

Chuck

AFAIK most investment accounts don’t take debit, only ACH.

Guy Bucktastik
Guy Bucktastik

Did you try the target debit card?

David M
David M

I did. Shows up as ACH transfer

Brian McL
Brian McL

Tried the Amazon gift card purchase today for the 1st time (to satisfy monthly debit purchases) – went smoothly but it had a $1.00 minimum. Still a great way to satisfy the usage requirements. Is it possible to add to (reload) one gift card so I don’t have a lot of $1.00 cards? Thanks for all the good posts. blessings!

Guy Bucktastik
Guy Bucktastik

“Reload Amazon giftcard balance” is what you want to look for. Minimum $0.50

nfidel
nfidel

Wells no longer categorizes Amazon Gift Card reloading as a purchase on my debit card statement. They are now keying it in as Internet Transfer or something.

Instead I am prepaying Comcast bill in small amounts ($1 and change) and so far it is registering as a purchase. Will know if this works for 10 purchase req when I get my statement in a few days.

Sidharth gupta
Sidharth gupta

Hypothetical if one could create a simple software to manage these kind of payments, would you be willing to pay for it

Kaztrator
Kaztrator

If you let us pay for it with 15 different $1 charges, then yes, I think we’d all do it.

Kaztrator
Kaztrator

Does Circle, Wallet, or PayPal not count as pinless debit?

Sidharth Gupta
Sidharth Gupta

have people had luck paying utility bills with their debit cards to meet the minimum transaction requirement? It seems Comcast at least works from @nfidel’s comments.

SamSimon
SamSimon

1. Serve, Bluebird, and Redcard
2. MULTIPLE card transactions (small payments) to your existing ‘Regular Bills’
3. Google wallet
4. Venmo
5. Amazon Payments

Ric
Ric

Get your employer to put a card-capable vending machine in the break room. I satisfy my Amex EDP swipe count easily by buying snacks.

Amy
Amy

Did amazon change gift card policy? I can only purchase min of $1 but not $0.5…

Chuck

Yes, now there is a minimum $1 for gift cards. However, you can do a reload of just $.50. http://amzn.to/2xQIZko

Outlook
Outlook

Or maybe just reload your Gift Card Balance on Amazon: https://www.amazon.com/gp/css/gc/balance

Minimum amount is also $0.50, and you won’t get a bunch of small gift cards.

Eric
Eric

In Seattle where I live, we have the PaybyPhone app for metered parking, and this app is used in many other cities as well. You can buy parking and then extend your parking for up to the maximum time, and each extension is a separate charge – so say I need to park somewhere for a couple hours, I buy parking 10 minutes at a time. Super easy to do using the app. Note: when the app first came online for Seattle, they charged a convenience fee, but in the past year they started waiving the fee, so now it’s the same as cash/card payment directly at the parking meter machine. Not sure what other cities do.

BH
BH

COMCAST — works perfectly; just pay Online. Just pay $0.01 …. then choose “make Another Payment” … pay $0.02 … knock out your 10 or so, Debit Card transactions, fast, & easily.

1st “register your Debit Card”, so you can just select it, ea time you log in (once/month, to pay your Bill).

Yes — Comcast will CALL you 1 time, as the 1st time you do above, it “Flags as potential Fraud” — just explain, all is good.

Been doing these Micro-Debit-Card-10-Payments per Month, on my Comcast Bill, for years. Easiest way I’ve found, to meet DC transaction req’s.

BH
BH

1st Pmt = $0.01, … 2nd = $0.02 … just keep going up 1 CENT, ea subsequent Pmt … thus 10th Pmt = $0.10

[Comcast doesn’t allow, same $ Amount, same Penny Amount, per Log in session, which is why you must Pay a diff amount, for ea of 10 separate Pmt’s]

might have to start (1st Pmt) @ $.02 … rather than 0.01 … then just keep adding 0.01 to ea subsequent Pmt, up to your 10 or so, Required Transactions … so 10th Pmt will be 0.11 [if 1st was 0.02, & you added 0.01 for ea adtn’l Pmt]

Sid
Sid

Word, I do the same. I even have a chrome extension to record a macro to do it for all my debit cards.

Josh
Josh

How about reloading a prepaid card like Serve?

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