Bank Accounts That Can Be Funded With A Credit Card

When you open a new savings or checking account, some banks give you the option of using your credit card for the initial deposit. On this page we’ve got a number of data points for which banks (and credit cards) count as cash advances and which don’t.

Avoid cash advance fees by setting your cash advance limit to $0.

You can call up your bank and request your cash advance limit be set to $0. Also remember that this is just a collection of data points and by no means means that your transaction will not be coded as a cash advance.

Contents

Popular Banks

Bank of America

Does not allow credit card funding, but you can use a debit card to fund up to $300. Visa gift cards do not work (and 2).

Chase

Allows credit card funding up to a $500 limit. It looks like all credit cards are being charged as a cash advance now, so tread lightly. The following don’t count as a cash advance:

  • Citi:
    • ThankYou Premier: 1 (code as cash advance originally then reverted to a purchase)
    • Prestige: 1
  • Paypal:
    • Busienss debit card: 1,
  • PenFen Rewards Visa: 1

The following count as a cash advance:

  • Barclay cards:
  • Capital one cards: 1
  • Chase cards. All Chase cards will post as a cash advance.
  • Fidelity Visa: 1
  • Unknown card used: 1
  • Citi cards: 1

Citibank

As of February 9th, 2016 Citi no longer offers any sort of credit card funding.

Allows credit card funding up to $100,000. They allow MasterCard & Visa, but not American Express. The follow don’t count as a cash advance:

  • Bank of America: 1, 2, 3, 4
  • Barclay: 1, 2
    • Arrival: 1, 2, 3, 4, 5, 6
    • US Airways: 1, 2
    • Aviator: 1, 2
    • American Airlines: 1
  • Capital One:
    • Venture: 1
  • Chase:
    • IHG: 1
  • Citi cards: 1, 2, 3, 4, 5, 6, 7, 8, 9
    • AA Select: 1
    • Executive: 1
    • Premier: 1, 2, 3
    • Prestige: 1, 2
  • Navy Federal Credit Union:
    • Flagship Rewards: 1 (via e-mail on November 10th)

The following do count as a cash advance:

  • Bank of America:
    • Business Alaska: 1
  • Barclay Priceline Visa: 1
  • Capital One:
    • QuickSilver: 1
    • Spark: 1
  • Chase: 1, 2 (used to not code as cash advance: 1, 2 (update somebody reports not a cash advance again: 1), 3 cash advance again? 1, 2, 3, 4, 5, 6
  • Citi cards: Most cards seem to be posting as purchase as noted above, although in the past there had been issues with this (1). That said, there still are some reports of cash advance issues:
    • Citi Premier: 1
    • Citi Hilton: 1, 2, 3
    •  Citi Platinum Select: 1
    • Citi AA Business Plat: 1
  • US Bank:
    • Club Carlson: 1, 2

Discover

Does not allow credit card funding

PNC

Allow you to fund up to $2,000 with a Visa, Discover or Mastercard credit card (note you can open a checking & savings account, each for $2,000). The following don’t count as a cash advance:

  • Alliant: 1, 2,
  • Barclaycard: 1 (looks like it will almost certainly count as cash advance, see data points below), 2
    • Arrival: 1 (this is more recent than the cash advance data points), 2, 3, 4, 5,
    • Cash Forward: 1, 2,
    • JetBlue: 1,
    • Lufthansa (via e-mail on March 13th, 2016)
    • Rewards: 1, 2,
  • BoA:
    • Alaska Airlines: 1 (Update now codes as cash advance: 1), 2 (didn’t code as CA), 3 (coded as a purchase),
    • Cash rewards: 1
    • Fidelity: 1
    • Merrill+: 1, 2, 3, 4, 5, 67
    • Premium Travel Rewards: 1, 2, 3, 4,
    • Travel Rewards Business: 1
    • Travel Rewards personal: 1, 2, 3, 4,
    • Virgin Atlantic: 1
  • Capital One:
    • Business Spark: 1, 2, 3, 4, 5,
    • Quicksilver: 1, 2, 3,
    • Savor: 1, 2,
    • Venture: 1, 2, 3,
  • Chase cards: 1, 2, 3, 4, 5, 6
  • Citi: You can no longer fund using a Citi card. Update: Citi cards are working again
    • AA: 1, 2, 3, 4 (5 didn’t go through cash advance limit), 6, 7, 8, 9 (business), 10 (business), 11, 12 (business), 13,
    • Access More: 1,
    • Double cash: 1, 2, 3, 4, 5, 6, 7,
    • Hilton: 1
    • Premier: 1, 2, 3, 4, 5
    • ThankYou Premier: 1,
    • AAdvantage: 1
  • City National Bank: 1,
  • Consumer Credit Union:
    • Visa: 1
  • Discover: 1, 2,
  • Fidelity: 1, 2 (coded as cash advance), 3 (coded as purchase)
  • Synchrony:
    • Cathay Pacific: 1, 2,
  • USAA:
    • Limitless: 1, 2,
  • Wells Fargo:
    • Business: 1, 2, 3,
    • Cash wise: 1
    • Platinum: 1,

Note: Chase seems to originally code as cash advance and then reverts to purchase. If you have data points that say otherwise, please let me know.

The following do count it as a cash advance:

  • Barclaycard:
    • Arrival: 1
    • US Airways: 1
  • Capital one: 1
  • Citi: 1 (may no longer code as cash advance, see above)
    • American Airlines: 1
    • Prestige: 1, 2 (did work)
  • Fidelity: 1,
  • U.S. Bank:

Santander

Allow to fund it up to a $500 with a credit card (can also fund savings with up to $500). Visa, Mastercard & Discover cards can be used. The following don’t count as a cash advance:

  • Bank of America:
    • Alaska Airlines: 1, 2, 3
    • Cash rewards: 1, 2, 3
    • Fidelity Visa: 1
    • Merrill: 1, 2
    • Travel Rewards: 1, 2, 3
  •  Barclays
    • Arrival+: 1, 2
    • Aviator Red: 1
    • NFL: 1
    • Uber: 1,
  • Capital One:
    • Venture: 1, 2 (via e-mail in April 2016), 3, 4 (coded as cash advance)
    • Journey: 1
    • Savor: 1,
    • Spark: 1,
  •  Chase: Seems to now be coding as a cash advance
    • AARP: 1
    • Chase Sapphire Preferred: 1, 2, 3, 4 (coded as cash advance)
    • Chase Sapphire Reserve: 1, 2, 3, 4, 5, 6, 7 (coded as cash advance)
    • Chase Freedom: 1, 2, 3, 4, 5, 6
    • Freedom: 1
    • Freedom Unlimited: 1, 2, 3, 4 (coded as cash advance)
    • IHG: 1, 2
    • Marriott: 1
    • Southwest: 1, 2, 3, 4
    • Ink: 1
    • Ink Preferred: 1, 2,
    • United: 1, 2
  • Citi:
    • American Airlines: 1, 2, 3, 4, 5,
    • Costco: 1
    • Diamond Preferred: 1
    • Double Cash: 1, 2, 3, 4, 5, 6,
    • Hilton: 1, 2 (didn’t work: 1)
    • ThankYou Premier: 1
  • Fidelity: 1
  • Iberia: 1,
  • Wells Fargo:
    • Business Platinum: 1,

The following do code as a cash advance:

  • Citi
    • Citi Prestige: 1
    • Citi Mastercard: 1
  • Discover: 1, 2 (didn’t used to code as cash advance, now it does) 1 (doesn’t code as online purchase)
  • U.S. Bank
    • Business Edge: 1

Wells Fargo

You’re able to fund your checking accounts with up to $500 on a credit card (savings accounts can also be funded with another $500). Update 12/10/15: Seems that the limit is now $50 (1, 2).

You can only use a Visa or Mastercard The following don’t count as a cash advance:

  • Capital One:
    • Spark: 1,
  • Chase: !s
    • British Airways: 1,
    • Chase Ink: 1
    • Chase Ink Preferred: 1, 2,
    • Freedom: 1,
    • Freedom Unlimited: 1, 2, 3
    • Sapphire: 1
    • Sapphire Preferred: 1, 2,
    • Sapphire Reserve: 1, 2
    • United: 1
  • Citi: 1
    • American Airlines: 1, 2, 3, 4,
    • Double cash: 1, 2,
  • Barclay:
    • Arrival: 1, 2, 3 (might no longer work: 1, 2), 4
  • Bank of America: 1
    • Alaska: 1
  • KCU: 1,
  • U.S. Bank:
    • FlexPerks Visa: 1

The following will count as a cash advance:

  • All Citi cards: 1 (don’t think it codes as cash advance anymore: 1)
  • Capital one: 1

U.S. Bank

Update: Looks like it’s back, but only up to $50.

Sadly U.S. Bank no longer allows credit card funding.

You’re able to fund your account with up to $500 on a credit card. The following cards don’t count as a cash advance:

  • American Express(note the CA data points below):
    • Business Gold Rewards: 1
    • Business SPG: 1 2,
    • Delta Gold: 1, 2, 3, 4,
    • Delta Gold Business: 1,
    • Delta Platinum: 1, 2
    • Hilton: 1
    • Hilton Surpass: 1
    • Platinum: 1
  • Bank of America: 1
    • Alaska Airlines: 1
    • Cash Rewards: 1, 2 (posted as cash advance and then reverted to purchase)
    • Merrill+: 1, 2,
    • Virgin Atlantic: 1
  • Barclaycard:
    • Arrival: 1, 2, 3
    • Aviator: 1
    • Cash Forward: 1
    • Wyndham: 1, 2,
  • BBVA:
    • NBA: 1
  • Capital One: 1
    • Quicksilver: 1, 2,
    • Venture: 1
  • Chase: 1, 2, 3
    • AARP: 1
    • Amazon: 1
    • British Airways: 1
    • Freedom: 1, 2, 3, 4, 5, 6, 7
    • Freedom Unlimited: 1, 2
    • Hilton: 1
    • Hyatt: 1, 2,
    • Ink Preferred: 1, 2,
    • Marriott: 1, 2,
    • United: 1
    • Sapphire Preferred: 1, 2, 3, 4, 5, 6, 7,
    • Sapphire Reserve: 1
    • Southwest: 1, 2, 3, 4, 5
  • Citi: 1, 2, 3, 4
    • AA Platinum Select: 1, 2, 3, 4, 5,
      • Business: 1
    • Double cash: 1, 2, 3, 4,
    • HHonors Reserve: 1 (coded as cash advance: 1)
    • Hilton: 1
    • Premier: 1, 2, 3, 4,
    • Prestige: 1, 2
  • Capital One: 1
    • Quicksilver: 1
    • Venture: 1, 2
  • Commerce Bank:
    • Special Connections: 1
  • Discover: 1
  • First Tennessee:
    • Visa Signature: 1
  • Navy Federal:
    • Go Rewards: 1
  • PenFed: 1, 2
  • TD:
    • Ameritrade: 1

The following cards did count as a cash advance:

  • American Express (previously didn’t code as cash advance: 1, 2): 1
    • Everyday: 1 (2 not coding as cash advance)
    • Everyday Preferred (this originally code as a cash advance and then processed as a purchase: 1)
    • Business Platinum: 1
    • Hilton Surpass: 1
    • SimplyCash: 1 (via e-mail on March 24th, 2016)
    • SPG: (apparently neither personal or business coded as cash advance in April, via e-mail), 2, 3 (didn’t code as CA), 4
  • Barclaycard:
    • Arrival: 1
  • Bank of America:
    • Cash rewards: 1
  • Citi:
    • Business Aa: 1
  • Discover: 1
  • US Bank Cards: 1
    • American Express Fidelity: 1, 2
  • Wells Fargo:
    • Propel (coded as cash advance in April, via e-mail)

Smaller Banks

 

1st Mariner Bank

Acquired by Howard Bank, unsure on Howard Bank credit card funding.

You can initially fund up to $2,500 with a credit card (American Express not allowed).

The following code as a purchase:

  • PenFed:
    • Platinum Visa: 1
  • Schwab: 1

The following code as a cash advance:

  • Bank of America: 1
  •  Barclaycard:
    • Arrival Plus: 1 (via email on March 2nd, 2016)
  • Chase:
    • Rapid Rewards: 1
  • Citi:
    • American Airlines: 1, 2

1st United Credit Union

Can fund with a credit card up to an $2,000 maximum. The following code as a purchase:

  • Chase:
    • Freedom Unlimited: 1 (via e-mail on 09/06/18)
    • Hyatt: 1
    • Ink Preferred: 1, 2
    • Marriott: 1
    • Sapphire Preferred: 1,
    • Sapphire Reserve: 1,
  • Citi:
    • Doublecash: 1, 2,

3Rivers Federal Credit Union

Can fund up to $500 with a credit card (Visa or Mastercard). The following code as a purchase:

  • Chase:
    • Hyatt: 1,
    • Ink preferred: 1,
    • Sapphire Preferred: 1,
  •  Citi:
    • Double cash: 1, 2,

Achieva

Can fund up to $10,000 limit now $1,500 with a credit card. The following code as a purchase:

  • Wells Fargo:
    • Business: 1,

Advantis Credit Union

Can fund up to $2,550 with a Visa, Mastercard or Discover. The following code as a purchase:

  • Chase:
    • British Airways: 1

Adventure Credit Union

Can fund with a credit card up to $2,500. The following code as a purchase:

  • Citi:
    • Double cash:

Adventure Credit Union

Agriculture Federal Credit Union

You can fund up to $1,500 initially with a credit card. (across all accounts). Only Visa & Mastercard are accepted. The following don’t code as a cash advance:

  • Barclaycard:
    • Arrival Plus: 1, 2
  •  Chase
  • Citi (didn’t code as cash advance, but data point of it coding as CA in the comments)
    • AA Business Platinum: 1,
  • US Bank:
    • Club Carlson: 1 (2 tried to process as cash advance)

Code as a cash advance:

  • Citi:
    • AA: 1

Alabama Credit Union

You can fund up to $500 with a credit card.

Following post as a purchase:

  • Barclaycard Gold: 1 (via e-mail, March 10th, 2016)

Allegacy Credit Union

Can fund up to $750 with a credit card. They accept Visa or Mastercard.

Amalgamated Bank

You can fund with up to $500 with a credit card, Visa or Mastercard only. Opening a savings account will not let you fund another $500, unless it’s opened at a later date.

The following post as a purchase:

  • Bank of America: 1
    • Alaska: 1
    • Cash Rewards: 1
  • Barclaycard:
    • Arrival Plus: 1
    • Aviator: 1
  • Capital One: 1
  •  Chase
    • Freedom: 1
    • Freedom Unlimited: 1, 2
    • Hyatt: 1
    • IHG: 1, 2. 3
    • INK: 1
    • Marriott: 1
    • Marriott Business: 1
    • Sapphire: 1
    • Sapphire Preferred: 1
    • Southwest: 1, 2
    • United: 1
  • Citi
    • American Airlines: 1
    • Double Cash: 1
    • Prestige: 1
  • HSBC:
    • Platinum: 1 (via e-mail on 04/11/2017)
  • MetaBank Issued Visa GC: 1
  • TD Ameritrade Client Rewards VISA: 1

The following does code as a cash advance:

  • Barclaycard:
    • Arrival+: 1 (but for most others this was not an issue: 1, 2)

American Eagle Financial Credit Union

Can fund both savings and checking up to $500 each. Mastercard, Visa & American Express are accepted. The following code as a purchase:

  • Citi:
    • Double cash: 1

America’s Credit Union

Update: It looks like they no longer allow credit card funding. It looks like ACU allows credit card funding of up to $10,000. We’re unsure of what cards are accepted and what does and doesn’t code as a cash advance.initial deposits of $10,000 or less

American Heritage Credit Union

Accepts all credit cards and you can fund up to $1,000, now you can fund only up to $500. We’re unsure what does and doesn’t code as a cash advance.

Andigo Credit Union

Can fund up to $3,000 with a credit card  (Visa, Mastercard & Discover all accepted. American Express is also allowed but doesn’t seem to actually work). The following code as a purchase:

  • Bank of America:
    • Cash rewards: 1,
  •  Chase:
    • Freedom Unlimited: 1 (via e-mail on 09/06/18)
    • IHG: 1,
    • Ink Preferred: 1,
    • Marriott Business: 1,
    • Sapphire Preferred: 1, 2, 3,
    • Sapphire Reserve: 1
  • Citi:
    • American Airlines Platinum: 1, 2, 3,
    • Double Cash: 1,

The following coded as a cash advance:

  • Citi:
    • American Airlines Business: 1,
    • ThankYou Premier: 1

Arizona State Credit Union (now OneAZ Credit Union)

Arizona State Credit Union allows credit funding of up to $500 (previously $2,500). The following code as a purchase:

  • Chase:
    • Sapphire Preferred: 1
    • IHG: 1
  • FNBO:
    • TravElite: 1,

Arundel Federal Savings Bank

You can fund up to $500 with a credit card. The following code as a purchase:

  • Chase:
    • Ink business: 1,
    • Sapphire Preferred: 1,
  •  Citibank:
    • American Airlines: 1,
  • Discover: 1,

Associated Bank

You can fund up to $1,200 with a credit card, American Express cards are not accepted.

Counts as purchase:

  • Barclay
    • Arrival: 1
    • JetBlue: 1
  •  Chase
    • Freedom: 1, 2,
    • Ink: 1, 2,
    • Marriott: 1, 2,
  • Citi: 1
    • American Airlines: 1,
    • Double Cash: 1, 2, 3,
  • Discover: 1,

Codes as cash advance:

  • Capital One:
    • Spark business: 1,

Bankers Trust

You can fund with a credit card up to $10,000. The following code as a purchase:

  •  Barclaycard:
    • Aviator Red: 1
  • Chase:
    • Sapphire Preferred: 1,

bankESB (East Hampton Savings Bank)

You can fund up to $1,000 with any Visa, MasterCard or Discover credit card.

The following count as a purchase:

  • Bank of America:
    • Amtrak: 1
  •  Chase:
    • British Airways: 1
    • Freedom: 1
    • IHG: 1
    • Ink Preferred: 1,
    • Sapphire Reserve: 1
  • Citi:
    • American Airlines business: 1,
    • Double Cash: 1
    • Prestige: 1

The following code as a cash advance:

  • Discover: 1

Bank of Colorado

You can fund up to $1,000 with a credit card, this is basically the same bank as Pinnacle so data points from that bank and this one should work for each. Below is just what has worked for Bank of Colorado

Codes as a purchase:

  • Chase:
    • Freedom: 1, 2
    • IHG: 1
    • Ink: 1
    • Southwest: 1, 2
    • United: 1

Bank of Maine

Acquired by Camden National Bank

Bank of Maine allows credit card funding, there is a limit of $500. We currently don’t have any data points on what is and isn’t considered a cash advance.

Bank of the West

Bank of the West allows credit card funding up to $500. Visa or Mastercard only. You can only fund up to a maximum of $500, even if you open checking & savings account.

The following code as a purchase:

  • Alliant:
    • Cashback Visa Signature: 1,
  • Bank of America:
    • Cash rewards: 1, 2
    • Merill+: 1
    • Premium Rewards: 1
  • Bank of The West:
    • Business: 1,
  • Barclays:
    • Arrival: 1,
  • Capital One
    • Spark: 1,
    • Venture: 1, 2, 3
  • Chase: 1 (didn’t work), 2 (didn’t work)
    • Disney: 1
    • Freedom: 1
    • Freedom Unlimited: 1
    • Hyatt: 1, 2
    • Ink Cash: 1,
    • Ink Preferred: 1, 2, 3,
    • Marriott Business: 1,
    • Sapphire Preferred: 1,
    • Sapphire Reserve: 1, 2, 3, 4,
  • Citi:
    • AA: 1, 2,
    • AT&T Access More: 1,
    • Double Cash: 1, 2,
    • Premier: 1,
    • ThankYou Premier: 1
  • City National Bank:
    • Visa Infinite: 1,
  • Fidelity:
  • U.S. Bank
    • Altitude Reserve: 1,
    • FlexPerks: 1,
  • Wells Fargo:
    • Platinum: 1, 2,

Bank & Trust

You can fund up to $2,000 with a credit card. American Express it not accepted. The following code as a purchase:

  • Bank of America:
    • Cash Rewards: 1
    • Virgin Atlantic: 1, 2,
  • Barclaycard:
    • Wyndham: 1
    • Priceline: 1,
  •  Chase:
    • Chase Ink Cash: 1,
    • Ink Plus: 1,
    • Ink Preferred: 1,
    • Marriott Business: 1,
    • Sapphire Reserve: 1
    • Ink Preferred: 1
  • Citi:
    • American Airlines Platinum: 1
    • Premier: 1,
  • U.S. Bank Altitude Reserve: 1,

Bankwell

Can fund with Visa, Mastercard, or Discover (1). The following code as a purchase:

  • Citi:
    • Double cash: 1,
  •  Discover:
    • It: 1,

BB&T

You can fund a maximum of $250 with a credit or debit card when opening a new bank account. When you get to the final screen it will say that only debit cards are able to be loaded, but if you input a credit card it should still work. The following cards code as a purchase:

  • Bank of America:
    • Merrill+: 1
    • Premium Rewards: 1
    • Travel rewards: 1
  • Chase
    • Freedom: 1
    • Marriott Business: 1
    • Sapphire Preferred: 1, 2,
    • Sapphire Reserve: 1, 2, 3, 4,
    • Southwest Premier: 1
    • Southwest Business: 1
  • Citi:
    • American Airlines: 1 (didn’t process due to cash advance limit)
    • Double Cash: 1,
    • Hilton: 1
    • Hilton Reserve: 1
    • ThankYou Preferred: 1
    • ThankYou Premier: 1, 2,
  • Wells Fargo
    • Business Platinum: 1

BBVA Compass

BBVA allows credit card funding, only Visa & MasterCard  (Mastercard does not work) may be used. There is a limit of $500 that can be funded (previously was $5,00)

Codes as purchase:

  • Alliant: 1
    • Visa Platinum Rewards: 1
    • 3% card: 1, 2, 3
  • Avianca: 1
  • Bank of America: 1, 2,
    • Alaska Airlines: 1, 2, 3
    • Cash Rewards: 1,
    • British Airways: (via e-mail on March 16th, 2016)
    • Premium Rewards: 1, 2,
    • MERRIL+: 1, 2, 3, 4, 5, 6, 7,
  •  Capital One:
    • Cashback: 1 (was pending as cash advance, reverted to purchase)
    • Quicksilver: 1, 2,
    • Spark Business: 1
  •  Chase:
    • Chase Sapphire Preferred: 1
  • Citi:
    • AA: 1
    • Costco: 1
  • City National Bank
    • Visa infinite: 1,
  • NFCU:
    • Flagship Rewards: 1,
  • Synchrony:
    • Cathay Pacific: 1
  • U.S. Bank:
    • Cash+: 1,
    • Fidelity: 1, 2,
  • USAA:
    • Limitless: 1
    • Visa: 1,
  • Wells Fargo:
    • Business: 1, 2, 3,

Codes as cash advance:

  • Barclaycard:
    • Uber: 1
  •  Chase:
    • British Airways: 1
    • Business United: 1
    • Freedom: 1
    • Freedom Unlimited: 1
    • Marriott Business: 1
    • Sapphire Preferred: 1
    • Sapphire Reserve: 1
  • Citi:
    • Prestige: 1

BethPage Credit Union

You can initially fund up to $100 with a credit card

Blue Hills Bank

You can initially fund your account with up to $10,000 down to $1,000 now using a credit card. The following don’t count as a cash advance:

  • Barclaycard:
    • Arrival: 1, 2
    • Miles & More: 1
  • Chase:
    • British Airways: 1
    • Freedom: 1
    • Ink Cash: 1
    • Sapphire Preferred: 1
    • United: 1
  • Citi:
    • AA exec: 1

Blue Federal Credit Union

Can fund up to $6,010 (might be limited to $500 now, but somebody funded $1,000). You can only fund with a Discover, Visa or Mastercard (American Express not accepted) The following code as a purchase:

  • Chase:
    • Fairmont: 1
    • Freedom: 1 (via e-mail on August 17th, 2016), 2
    • Ink: 1
    • Sapphire Reserve: 1, 2, 3, 4, 5, 6, 7, 8, 9
    • Southwest: 1, 2
  • Citi
    • American Airlines: 1
    • AT&T Access More: 1,
    • Double Cash: 1
    • Prestige: 1, 2 (e-mail on September 4th)

BMO Harris

BMO Harris no longer accepts credit card funding

BMO Harris allows credit card funding, with a limit of $1,000. You should be able to fund both checking & savings with $1,000 (money market also works).  Update: Multiple reports indicate (1, 2) that BMO no longer allows credit card funding. The following don’t count as a cash advance:

  • American Express: BMO Harris no longer accepts American Express
    • Blue Business Plus: 1, 2, 3, 4,
    • Blue cash preferred: 1
    • Business Gold Rewards: 1, 2,
    • Business Platinum: 1
    • Delta: 1, 2
    • Everyday: 1
    • Green: 1
    • Hilton: 1
    • Hilton Surpass: 1, 2
    • Platinum: 1
    • SPG: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15
  • Bank of America: 1,
    • Alaska: 1
    • Cash Rewards: 1
    • Merrill: 1, 2, 3, 4, 5, 6
    • Travel Rewards: 1
  • Barclaycard:
    • Arrival: 1
    • Aviator Red: 1
    • CashForward: 1
    • Miles & More: 1
    • Priceline: 1
  • BBVA Compass: 1 (via e-mail on February 22nd, 2016)
  • Capital One:
    • Spark Business: 1, 2,
    • Venture: 1, 2, 3
  • Chase cards (might now code as cash advance, see below):
    • AARP: 1
    • Amazon: 1
    • British Airways: 1
    • Fairmont: 11
    • Chase Freedom: 1, 2
    • Hyatt: 1, 2,
    • Ink Preferred: 1, 2, 3, 4, 5, 6,
    • Ink: 1, 2, 3
    • Ritz-Carlton: 1,
    • Sapphire Preferred: 1, 2, 3, 4, 5, 6,
    • Sapphire Reserve: 1, 2, 3, 4, 5,
    • Southwest: 1, 2, 3, 4, 5,
    • United: 1, 2
  • Citi:
    • American Airlines: 1, 2 (business), 3, 4, 5, 6,
    • Double cash: 1, 2, 3, 4
    • Hilton Reserve: 1
    • Premier: 1, 2,
    • Preferred: 1
    • Prestige: 1, 2,
  • Commence By Sallie Mae: 1
  • Consumers Credit Union: 1
  • Fifth Third: Trio: 1
  • FNBO:
    • Travelite: 1
  • USAA:
    • Limitless: 1
  • U.S. Bank: 1 (originally coded as cash advance and then reverted to purchase)
    • Altitude Reserve: 1
    • Fidelity: 1, 2, 3, 4, 5
  • Wells Fargo:
    • Propel World: 1, 2, 3

Count as cash advance:

  • Capital One:
    • Spark business: 1 (was denied due to cash advance limit)
  • Chase: 1
  • Citi: 1

Boulder Valley Credit Union

Allows you to fund up to $500 with a credit card. The following do not code as a cash advance:

  • Chase Sapphire Preferred

Callaway Bank

Can fund up to $250 with a credit card. We don’t have any other info currently.

Cambridge Savings Bank

You can fund up to $1,000 with a credit card. Visa, Mastercard & Discover are accepted. The following codes as a purchase:

  • Chase:
    • Freedom Unlimited: 1, 2,
    • Ink Preferred: 1,
    • Sapphire Reserve: 1, 2,

Camden National Bank

You can fund up to $500 with a Visa or Mastercard. The following codes as a purchase:

  • Chase:
    • United Business: 1
  •  Citi:
    • AA: 1

Capital Bank

Can fund up to $300 with a credit card. The following code as a purchase:

  • Citi:
    • Doublecash: 1, 2,

Capital One

The following comes through as a cash advance:

  • Citi Double Cash: 1

Central Bank

Can fund up to $1,000 with a credit card. Visa & Mastercard are accepted, no American Express or Discover. Looks like opening a savings account lets you fund another $1,000 as well. The following code as a purchase:

  • Barclaycard:
    • Arrival Plus: 1
    • Cash Forward: 1
  • Citi:
    • Simplicity: 1
  • Commerce Bank:
    • Special Connections: 1
  • HSBC:
    • Platinum: 1 (via e-mail on 04/11/2017)

Chartway Credit Union

Credit card funding is no longer offered.

You can fund a maximum of $1,500 with a credit card. The following don’t count as a cash advance:

  • Bank of America:
    • Alaska Airlines: 1
  • Chase cards:
    • Chase Freedom: 1
    • Southwest: 1
  • Citi:
    • American Airlines: 1
    • ThankYou Preferred: 1
  • US Bank:
    • Club Carlson: 1

Charter One

See: Citizens Bank. They are the same bank with a different branding in IL, MI, and OH.

Christian Credit Union

Allows credit funding with a limit of $500 for checking accounts and $500 for their CD products, you must qualify for the membership requirements as well. The following code as a purchase:

  • Barclaycard:
    • Hawaiian Airlines: 1

Citadel Credit Union

You can fund up to $500 with a credit card. They accept Visa, Mastercard, Amex, or Discover.

The following code as a purchase:

  • Chase: 1
    • Freedom: 1, 2,
  • Citi:
    • AA: 1
    • Double cash: 1

Citizens Bank

Update: One reader was able to fund up to $2,000 with a credit card  (probably $1,000 from savings & another $1,000 from checking). Citizens Bank allows credit card funding up to $1,000, only Visa & MasterCard are accepted. The following don’t count as a cash advance:

  • Barclaycard:
    • Arrival: 1, 2,
    • Wyndham: 1,
  • Bank of America:
    • Alaska Airlines: 1
    • Travel Rewards: 1
    • Merrill: 1
    • Premium Rewards: 1, 2, 3,
  • Chase cards: 1, 2
    • AARP: 1, 2 (coded as cash advance)
    • Chase Freedom: 1, 2, 3, 4, 5, 6,
    • Freedom: 1,
    • Freedom Unlimited: 1,
    • Hyatt: 1
    • IHG Premier: 1,
    • Ink Preferred: 1, 2,
    • Sapphire Preferred: 1, 2, 3
    • Sapphire Reserve: 1,
    • Southwest: 1, 2, 3
  • Citi:
    • American Airlines: 1, 2, 3, 4,
    • American Airlines business: 1,
    • Double cash: 1, 2, 3,
  • Wells Fargo:
    • Business Platinum: 1,

The following will count as a cash advance:

  • Barclaycard:
    • Arrival: 1 (posted as purchase: see above)
  •  Citi (recent DP of it not being CA):
    • American Airlines business: 1
    • ThankYou Preferred: 1
    • ThankYou Premier: 1
  • Discover it: 1
  • USAA: 1

Clearview Federal Credit Union

You can fund up to $500 with a Visa or Mastercard. The following code as a purchase:

  • Chase:
    • Chase Sapphire Preferred: 1

Clinton Savings Bank

You can fund up to $1,000 with a credit card. Visa, Mastercard & Discover are all accepted. The following code as a purchase:

  • Citi:
    • Double cash: 1,
  •  Chase:
    • IHG: 1,

Columbia Bank (NJ)

No longer allows credit card funding.

You can fund up to $500 with a credit card. The following code as a purchase:

  • Chase:
    • Sapphire Reserve: 1,
  • Citi Double Cash: 1,
  • Fidelity: 1,
  • Wells Fargo:
    • Business Platinum: 1,

Columbia Credit Union

You can fund up to $2,500 with a credit card (might have been reduced to only $500), the following code as a purchase:

  • Bank of America: 1
  • Citi:
    • Double Cash: 1

Communication Federal Credit Union

You can fund each account with at least $500 using a Visa/Mastercard. The following code as a purchase:

  • Chase
    • Freedom: 1 (sent via e-mail on 11/14/18)
    • Sapphire Preferred: 1,

CommunityAmerica Credit Union

Can fund at least $2,000 with a credit card, possibly more. The following codes as a purchase:

  • Commence Bank: 1

Consumers Credit Union

You can fund up to $210 with a Visa, MasterCard or American Express card. The following did not code as a cash advance:

  • Chase: 1, 2
    • Freedom: 1
    • Hyatt: 1
    • Marriott: 1
  • Schwab Visa: 1
  • Citi
    • American Airlines: 1
    • Double Cash: 1, 2
    • Prestige: 1

The following did code as a cash advance:

  • Barclaycard:
    • Wyndham: 1
  • Citi: 1
    • AAdvantage card: 1
    • Prestige: 1

Cornerstone Bank

You can fund up to $10,000 with a credit card. The following code as a purchase:

  • No data points

Country Bank For Savings

Can fund up to $2,000 with a credit card (Discover, Visa & Mastercard). The following codes as a purchase:

  • Chase:
    • Hyatt: g
    • Ink Preferred: 1, 2,
    • Sapphire Reserve: 1
    • Southwest Business: 1,
  •  Citi:
    • American Airlines business: 1, 2 (didn’t work with cash advance limit set to $0)
    • Double cash: 1

Credit Union One

You can fund up to $600 with a credit card. The following code as a purchase:

  • Chase: 1,
    • Freedom: 1
  • Citi:
    • Double cash: 1, 2, 3,
    • Premier: 1,

Credit Union of Texas

Can fund with a credit card up to an unknown amount.

The following code as a purchase:

  • No data points

The following code as a cash advance:

  • Citi
    • American Airlines: 1,

Dearborn Savings Bank (DSB)

Can fund up to $500 with a credit card. The following codes as a purchase:

  • Capital One:
    • Quicksilver: 1,

Desert Schools Federal Credit Union

It’s possible to fund with a credit or debit card, up to a maximum of $600.

Destinations Credit Union

You can fund with a credit card – up to $1,000 with Paypal or $500 without (1).

The following do not count as a cash advance when funding via Paypal:

  • Chase
    • INK: 1
    • Sapphire Preferred: 1
  • Fidelity Amex: 1

Digital Federal Credit Union

Can fund up to $250 with a credit card. The following code as a purchase:

  • Bank of America:
    • Merrill+: 1
  •  Chase:
    • Hyatt: 1

The following didn’t work:

  • Barclaycard:
    • JetBlue: 1

Eastern Bank

You can fund up to $2,000 with a credit card. Visa, Mastercard, Discover & American Express are all accepted. The following code as a purchase:

  • Barclaycard:
    • Lufthansa: 1

East Cambridge Savings Bank

Can fund with Visa/Mastercard or Discover up to an unknown maximum.

Elevations Credit Union

Allows you to fund up to $2,500 with a credit card (shows maximum of $1,000 but can fund up to $2,500, used to be $10,000). The following do not count as a cash advance:

  • Chase
    • Chase sapphire preferred (e-mail data point), 2
  • Citi:
    • Platinum Select: 1

Evansville Teachers Credit Union

You can fund with a credit card, up to $1,100. The following code as a purchase:

  • Barclaycard:
    • Arrival+: 1, 2, 3
  • Chase:
    • IHG: 1
    • Sapphire Preferred: 1
    • Sapphire Reserve: 1
  • Citi
    • American Airlines: 1
    • Double Cash: 1, 2

Farmington Bank

Can fund up to $1,000 with a Visa, Mastercard or Discover. We don’t know what codes as a purchase or cash advance.

Fidelity Bank (PA)

You can fund up to $500 with a credit card (doesn’t matter how many accounts you open $500 is the limit). You can use Visa, Mastercard, American Express or Discover. The following code as a purchase:

  • Citi:
    • Double cash: 1

First Advantage Bank

You can fund up to $15,000 with a credit card (looks like the limit might be $100,000 total). You can fund with Discover, Mastercard & Visa. The following codes as a purchase:

  • Bank of America:
    • Merrill+1: 1,
  • Barclays:
    • Wyndham: 1,
  •  Chase: 1,
    • AARP: 1,
    • British Airways: 1,
    • Freedom: 1, 2,
    • Ink Business: 1, 2, 3,
    • Sapphire Preferred: 1,
    • Sapphire Reserve: 1,
  • Citi:
    • Double cash: 1,
    • ThankYou Premier: 1,
  • Discover: 1
  • Merrill: 1,
  • USAA:
    • Limitless: 1,

The following coded as a cash advance:

  • Fidelity: 1, 2,

First American Bank

You can fund up to $500 for each account (e.g $1,000 total between checking & savings). We don’t have any datapoints on what does/doesn’t code as a purchase.

First Bank (VA)

You can fund up to $1,000 with a credit card, we currently don’t know what does/doesn’t code as a cash advance.

FirstBank

Can fund up to $600 with a credit card, must go in branch or call in to use this funding option.

Things that post as a purchase:

  • Chase:
    • Freedom Unlimited: 1, 2
  • Citi:
    • Doublecash: 1

The following coded as a cash advance:

  • U.S. Bank:
    • Club Carlson: 1

First Citizen’s Bank

You can fund your first citizen’s bank account up to a maximum of $1,000. The following don’t count as a cash advance:

  •  Barclay Card
    • Sallie Mae: 1
  • Chase
    • Chase Sapphire Preferred: 1, 2
  • Citi:
    • American Airlines business: 1, 2,

First Federal Bank

You can fund up to $500 with a credit card. Only Visa & Mastercard are accepted. The following code as a purchase:

  • Chase:
    • Sapphire Preferred: 1, 2
  • Citi:
    • Double cash: 1, 2
  • Fidelity Visa: 1
  • U.S. Bank: 1

First Home Bank

Can fund up to $1,500 with a credit card. The following code as a purchase:

  • Capital One:
    • Spark: 1,

First-Lockhart National Bank

You can fund up to $2,000 with a credit card. The following code as a purchase:

  • Synchrony:
    • Paypal business: 1,

First Mark Credit Union

Update: According to this comment this has been reduced to only $100. Possibly $0 now?

You used to be able to initially fund up to $10,000 using a credit card, only Visa & Mastercard are accepted. They place a two week hold on all transactions above $100. This is semi old information so we’re not sure if it’s still accurate: 1, 2 The following didn’t count as a cash advance:

  • Chase: 1

The following count it as a cash advance:

  • Citi: 1

First Merchants Bank

You can fund up to $250 with a credit card. You can use Visa or Mastercard. The following coded as a purchase:

  • Bank of America:
    • Merrill+: 1
  •  Barclaycard:
    • Aviator Red: 1
  • Capital One:
    • Venture: 1
  •  Chase:
    • Freedom Unlimited: 1
    • Chase Sapphire Reserve: 1

First MidWest Bank

You can fund up to $2,500 with a credit card, no American Express cards. The following coded as a purchase:

  • Bank of America:
    • Virgin Atlantic: 1
  • Barclaycard:
    • Arrival: 1, 2
  •  Chase:
    • Fairmont: 1
    • Hyatt: 1
    • Sapphire Reserve: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10
  • Citi:
    • Platinum: 1,

First Merit Bank

You can fund with a credit card up to $10,000 (only Visa & Mastercard). At the moment we are unsure what does and doesn’t count as a cash advance, share your experiences in the comments. Doesn’t count as a cash advance:

  • Chase Sapphire Preferred: 1 (codes as cash advance now? 1)
  • Citi:
    • AA Platinum: 1, 2

Following code as cash advance:

  • Chase:
    • Sapphire Reserve: 1, 2
  • Barclaycard: 1 (via e-mail)

First National Bank

Can fund up to $50 with a credit card. You can use all payment networks (including American Express).

  • American Express:
    • Everyday: 1
    • Mercedes Benz Platinum: 1
  • Chase:
    • United: 1
  • U.S. Bank Cash+: 1

First Niagara

First Niagra allows credit card funding up to $1,000. They do not allow funding from American Express cards (1). They will also only give you one chance to fund the account. The following don’t count as a cash advance:

The following do count as a cash advance:

  • Barclaycard:
    • Aviator: 1
  • Chase:
    • IHG: 1
  • All Citi cards: 1, 2
  • Discover: 1, 2

First State Bank Of Illinois

Can fund up to $2,000 with a credit card. The following code as a purchase:

  • Fidelity Visa: 1

First State Community Bank

You can fund up to $2,000 with a credit card. Visa, Mastercard & Discover are accepted The following code as a purchase:

  • Chase
    • Fairmont: 1
  • Wells Fargo:
    • Cashwise: 1

First Tennessee

You can fund up to $300 with a credit card, the following do not count as a cash advance:

  • Bank of America:
    • Business Alaska: 1
    • Business cash: 1
    • Premium Rewards: 1,
  •  Barclaycard:
    • Arrival Plus: 1
    • NFL: 1,
  • Capital One:
    • Venture: 1
  • Chase: 1
    • Freedom: 1, 2, 3, 4
    • Freedom Unlimited: 1, 2,
    • Hyatt: 1, 2
    • Sapphire Preferred: 1, 2, 3, 4, 5, 6,
    • Sapphire Reserve: 1, 2
    • Southwest Premier: 1
    • Southwest: 1
    • Ink Plus: 1, 2
    • Ink Preferred: 1, 2
    • United: 1
  • Citi:
    • Business AA (didn’t actually post as cash advance, just didn’t work): 1 (2, posted as a purchase)
    • Double cash: 1, 2, 3, 4, 5, 6, 7, 8
    • Premier: 1
    • Prestige: 1, 2
  • U.S. Bank:
    • Fidelity: 1
  • Wells Fargo:
    • Platinum: 1

Counted as a cash advance:

First United Bank

You can fund up to $200 with a credit card. They accept Visa, Mastercard & Discover (no American Express). The following codes as a purchase:

  • Citi:
    • AA: 1

Florence Bank

You can fund up to $500 with a credit card. The following code as a purchase:

Fremont Bank

You can fund up to $100 with a credit card. The following code as a purchase:

  • Alliant: 1,
  • Citi:
    • Double cash: 1,

Gesa Credit Union

Allows credit card funding, no idea on limits or what counts as a cash advance/purchase.

Great Western Bank

Funding reduced to $1,000 now.

Allows up to $3,500 in credit card funding. They allow Visa, Mastercard & American Express funding. The following code as a purchase:

  • American Express:
    • SPG Business: 1
    • Business Gold Rewards: 1 (e-mail on 3/28/18)
  •  Citi:
    • American Airlines: 1

GTE Federal Credit

Limited to $500 now? 

Update: Apparently limited to $215 now? Now back to $5,000

Up to $5,000 can be funded with a credit card, this can also be done for certified deposits. The following don’t count as a cash advance:

  • Alliant: 1
  • Bank of America: 1,
  • Chase: 1
    • Chase Ink Preferred: 1
    • Chase Sapphire Reserve: 1,
    • Southwest: 1
  • Citi:
    • AA Business: 1

The following code as a cash advance:

  • U.S. Bank Altitude Reserve: 1,

HarborOne Bank

You can fund up to $500 with a credit card. The following code as a purchase:

  • Chase:
    • Sapphire Reserve: 1
  •  Citi:
    • American Airlines Business: 1
    • ATT Access More: 1

 

Heritage Bank

No longer allows credit or debit card funding.

You can fund up to $1,500 with a credit card. The following codes as a purchase:

  • Chase
    • Freedom Unlimited: 1, 2,
  • Consumer Credit Union: 1,
  • Discover: 1,
  • Fidelity: 1,

Honor Credit Union

According to this comment you need to pay a $15 fee and you can fund ‘any amount of money’ over the phone. They successfully funded $2,500 with a Chase Ink card.

IBERIABANK

Can fund up to $500 with a credit card. The following code as a purchase:

  • Chase:
    • Hyatt: 1

IBM Southeast FECU

You can fund up to $1,500 with a credit card.

  • Barclaycard:
    • Arrival+: 1

Ideal Credit Union

Update: New limit is only $500 (I think per account so should be $1,000 total but not 100% sure) You can fund up to $2,000 with a credit card (American Express, Discover Mastercard or Visa. Note $2,000 is the limit across all accounts).

Codes as a purchase:

  • American Express: 1
    • SPG Business: 1 (e-mail on September 4th, 2016)
  • Citi:
    • Double cash: 1

Interior Federal Credit Union

Can fund up to $750 with a credit card. Visa or Mastercard only.

JSC Federal Credit Union

Can fund up to $1,000 with a credit card. The following code as a purchase:

  • No data points

Justice Federal Credit Union

You can fund up to $1,000 with a credit card. They accept Visa & Mastercard.  The following code as a purchase:

  • Chase
    • Freedom: 1
    • Sapphire Preferred: 1

KeyBank

You can do initial funding of up to $100 with KeyBank The following don’t count as a cash advance (note it might initially code as cash advance and then revert to a purchase):

  • Bank of America:
    • Alaska Airlines: 1, 2
  • Barclaycard: 1
    • Aviator: 1
  •  Chase
    • Amazon: 1
    • Chase Freedom: 1, 2, 3
    • Freedom Unlimited: 1, 2,
    • Chase Sapphire Preferred: 1
    • Chase Sapphire Reserve: 1 , 2, 3, 4 (coded as a cash advance),
    • Southwest: 1, 2, 3
  • Citi:
    • American Airlines: 1 (business)
    • Double cash: 1
    • Premier: 1
  • Citizens CashBack Plus World Mastercard: 1
  • U.S. Bank:
    • Fidelity Visa: 1
    • FlexPerks Visa: 1

KS State Bank

Can fund up to $1,000 with a credit card. The following code as a purchase:

  • Citi Doublecash: 1

Lake Michigan Credit Union (LMCU)

You can do initial funding of up to $15,000 with LMCU. Update: Funding is now limited to just $50. You can only fund with a Visa or MasterCard, no American Express. The following don’t count as a cash advance:

  • Capital One:
    • Venture: 1
  • Bank of America: 1, 2, 3
  • Barclay Arrival: 1
  • Chase
    • Sapphire Preferred: 1, 2
    • Sapphire Reserve: 1
    • Southwest: 1
  • Citi: 1, 2, 3, 4, 5
    • Double cash: 1,

Liberty Bank

You can fund up to $500 with a credit card. The following code as a purchase:

  • Capital One:
    • Spark: 1
  •  Chase:
    • IHG: 1
    • Ink Preferred: 1,
    • Southwest Plus: 1,
  • Fidelity: 1

Los Angeles Federal Credit Union

Can fund up to $500 with a credit card (limit is applied across both savings & checking accounts). The following code as a purchase:

  • Chase
    • Southwest Business: 1

Macatawa Bank

Can fund up to at least $900, maybe more. The following code as a purchase:

  • Citi:
    • Double cash: 1,
  • USAA: 1

Mainstreet Credit Union

You can fund up to $505 with a credit card. The following code as a purchase:

  •  Chase: 1,
  •  Citi:
    • Double cash: 1

The following code as a cash advance:

  • Chase:
    • Freedom: 1

Mazuma Credit Union

You can fund up to $5,000. The following code as a purchase:

  • Alliant:
    • Cash Visa Signature: 1,
  • Merrill Lynch: 1, 2,

Didn’t work/cash advance:

  • Fidelity: 1,

Members Cooperative Credit Union

You can fund up to $250 with a credit card. Visa & Mastercard accepted. The following code as a purchase:

  • Chase:
    • Freedom Unlimited: 1

Memory Bank

You can fund up to $500 with credit card. Visa, MC, Amex, or Discover. The following code as a purchase:

  • Alliant: 1, 2,
  • American Express:
    • Blue Business Plus: 1
    • Blue Cash Preferred: 1,
    • Delta Gold: 1,
    • Delta Reserve: 1
    • Platinum: 1
    • SPG Business: 1
  • Bank of America:
    • Premium Rewards: 1,
    • Travel Rewards: 1
  • Barclaycard:
    • Arrival: 1
    • Aviator: 1
  • Capital One:
    • Savor: 1,
    • Spark: 1
  • Chase:
    • AARP: 1
    • Disney: 1,
    • Hyatt: 1
    • IHG: 1,
    • Sapphire Preferred: 1, 2,
    • Sapphire Reserve: 1,
    • Freedom: 1
    • Freedom Unlimited: 1
    • Marriott Business: 1,
  • Citi:
    • AA: 1
    • Double cash: 1, 2, 3, 4,
    • Premier: 1,
    • Prestige: 1,
    • Simplicity: 1,
  • Discover: 1
  • USAA:
    • Limitless: 1,
  • Wells Fargo:
    • Business Platinum: 1, 2,
    • Cash Wise: 1,

Meriwest Credit Union

You can fund up to $500 with a credit card (plus the $5 membership fee). The following code as a purchase:

  • Citi: 1,
    • Double cash: 1,

Michigan Schools and Government Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

  • Citi:
    • Double cash: 1,

MIT Federal Credit Union

You can fund up to $500 (you can fund both savings checking account with $500 each). The following codes as a purchase:

  • Chase:
    • Ink Preferred: 1

Mountain America Credit Union

You can fund with a credit card but a 2.5% fee is charged ($4.95 flat fee for debit cards). No idea on limits with either.

MountainOne Bank

You can fund up to $1,000 with a credit card. The following don’t count as a cash advance:

  • Citi:
    • AA Platinum: 1
  • Discover: 1

The following do count as a cash advance:

  • Chase: 1
    • Marriott: 1

Montgomery County EFCU

You can fund up to $500 with a credit card. The following code as a purchase:

  • Chase: 1

Morrill & Janes

You can fund up to $2,000 with a credit card. The following code as a purchase:

  • Chase
    • Marriott: 1,

NASA Federal Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

  • Citi Doublecash: 1

Nassau Financial Federal Credit Union

You can fund up to $500 with a Visa or Mastercard credit card.

NorthPointe Bank

Apparently they no longer allow credit card funding. 

The following code as a purchase:

  • Barclaycard:
    • American Airlines: 1
    • JetBlue: 1
  • Chase:
    • Freedom: 1, 2,
  •  Citi
    • American Airlines: 1
    • Doublecash: 1

My NorthWest Savings Bank

You can fund up to $1,000 with a credit card as your initial deposit: 1 The following don’t count as a cash advance:

  • American Express:
    • Business Platinum: 1
    • Everyday: 1
    • Premier Rewards Gold: 1
    • SPG: 1
  •  Barclaycard
    • Arrival: 1
    • Priceline Visa: 1
  • Chase:
    • IHG: 1
    • Southwest: 1
    • Southwest business: 1,
  • Citi:
    • Double Cash: 1

The following coded as a cash advance:

  • Chase:
    • Ink Cash: 1,
    • Ink Preferred: 1,

Navy Federal Credit Union

Can fund up to $250 with a credit card (Visa, Mastercard or Discover). Following code as purchase:

  • U.S. Bank:
    • Fidelity: 1

Newtown Savings Bank (NSB)

Can fund up to $1,000 $25 with a credit card. The following code as a purchase:

  • Chase:
    • Southwest: 1

Northeast Credit Union

Can fund up to $1,000 with a credit card per account (e.g checking + savings = $2,000). The following codes as a purchase:

  • Chase:
    • Sapphire Reserve: 1
  •  Citi:
    • Double cash: 1,2,

North Shore Bank of Commerce

You can fund up to $5,000. Visa & Mastercard are accepted. The following code as a purchase:

  • Chase:
    • Ink Preferred: 1,
  •  USAA:
    • Limitless: 1,

Northwest Federal Credit Union

Can fund up to $520 with a credit card. Visa Mastercard and maybe Discover are accepted, American Express is definitely not accepted. The following code as a purchase:

  • No data points

NuVision Federal CU

You can fund up to $500 with a credit card, we don’t have any data points on what does/doesn’t code as cash advance.

OceanFirst Bank

You can fund up to $100 with a credit card (1, 2). The following code as a purchase, not a cash advance:

  • Bank of America: 1
  • Chase: 1
    • Marriott Business: 1
    • Sapphire Preferred: 1, 2
    • Sapphire Reserve: 1, 2, 3, 4
  • Citi
  • Discover: 1,
  • Santander credit card: 1

Old National Bank

You can fund up to $500 with a credit card. They accept American Express, Visa & Mastercard. The following code as a purchase:

  • Bank of America: 1,
  •  Barclaycard:
    • Arrival Plus: 1
  • Chase:
    • Ink Preferred: 1
    • Sapphire Reserve: 1,
    • Southwest Plus: 1
  • Citi:
    • American Airlines Business: 1, 2,
    • Double cash: 1, 2, 3, 4, 5, 6,
  • U.S. Bank
    • Altitude Reserve: 1, 2,

Option 1 Credit Union

You can fund at least $750, maybe more.

The following code as a purchase:

  • Chase Sapphire: 1

Orange County’s Credit Union

You can fund this account with up to $500 with a Visa or Mastercard (previously $5,000). The following code as a purchase:

  • Capital One:
    • Spark: 1
  • Chase:
    • British Airways: 1
  •  Citi:
    • AA: 1
    • Access More: 1
    • Double cash: 1, 2
    • Hilton Reserve: 1
  • Comenity:
    • Cathay Pacific: 1

The following coded as a cash advance:

  • Bank of America: 1
  • Chase
    • Sapphire Reserve: 1
  •  Elan:
    • Fidelity Visa: 1

PenFed

You can fund up to $500 with a credit card, the following code as a purchase:

  • American Express:
    • Every Day: 1,
    • SPG: 1,
  • Bank of America:
    • Premiume Rewards: 1,
  •  Chase:
    • Freedom: 1,
    • Sapphire Preferred: 1 (via e-mail, May 25th, 2016), 2, 3,
  • Paypal Extra Mastercard: 1,
  • U.S. Bank
    • Altitude Reserve: 1

PeoplesBank (Bankatpeoples)

It’s possible to fund with a credit or debit card, you can fund up to $500 for each application (e.g if you open checking & savings at the same time it’s a $500 max. But you could open them separately and fund $500 each time). This is despite the funding page saying the limit is $1,000.

  • Chase:
    • Freedom Unlimited: 1
  • Citi:
    • AT&T Access More: 1,
  • Discover:
    • it Miles: 1

Peoples Credit Union

You can fund up to $2,505 with a credit card. Mastercard & Visa are accepted.

Pinnacle Bank

Update: They have limited credit card funding to $1,000

There is no limit mentioned on the funding page, we know you can fund at least $4,500 but it could possibly be a lot more. Update: somebody has reported that the maximum limit is $5,000, when you try to fund more it states: “initial deposit must be less than or equal to $5000”. You can only use Visa or Mastercard, no American Express or Discover. The following code as a purchase:

  • Bank of America:
    • Virgin Atlantic: 1
  • Capital One: 1
    • Spark Business: 1
    • Venture: 1
  •  Chase
    • AARP: 1, 2
    • Freedom Unlimited: 1
    • Hyatt: 1
    • Ink: 1, 2
    • Marriott: 1,
    • Ritz-Carlton: 1
    • Sapphire Preferred: 1, 2, 3, 4
    • United: 1, 2
  • Citi
    • American Airlines Business: 1
    • Double cash: 1
    • Hilton: 1, 2
    • Premier: 1
  • Fidelity: 1, 2

PlainsCapital Bank

Unknown amount can be funded.

Premier America Credit Union

The amount you can fund depends on what product you open (checking and savings have a maximum of $500 each). Cannot be funded with an American Express card The following code as a purchase:

  • Chase
    • Sapphire Reserve: 1

Premier Members Credit Union

Can fund up to $500 across all accounts with a Visa or Mastercard.  The following codes as a purchase:

  • USAA: 1,

Provident Bank

You can fund up to $2,500 with a Visa or Mastercard. The following code as a purchase:

  • Bank of America:
    • Premium rewards: 1
  • Capital One:
    • Quicksilver: 1
    • Spark: 1,
  • Chase:
    • Ink Preferred: 1,
    • Marriott Business: 1, 2,
    • United: 1
  •  Citi:
    • Double cash: 1

The following code as a cash advance:

  • Chase:
    • Freedom Unlimited (seemed to cause a fraud alert): 1
    • Sapphire Reserve (didn’t actually process as cash advance, just didn’t work): 1

Provident Credit Union

You can fund up to $5,000 $1,000 with a credit card. Only Mastercard & Visa are accepted, no AmEx. Apparently all mastercard purchases will be treated as a cash advance: 1, 2 (update, this no longer seems to be the case as a Barclaycard Arrival code as purchase). The following don’t count as a cash advance:

  • Barclaycard:
    • Arrival+: 1
  • Chase 1, 2
    • Chase sapphire preferred: 1
  • Citi:
    • Premier: 1,

Quorum Federal Credit Union

You can fund up to $2,500 with a Visa or Mastercard. The following code as a purchase:

  • Bank of America:
    • Merill+: 1
  •  Barclaycard:
    • Arrival+: 1, 2,
  • Capital One:
    • Spark Miles: 1, 2 (sent via -mail on 12/19/17)
  •  Chase
    • Freedom Unlimited: 1
    • Ink Preferred: 1
    • United: 1
    • Ritz-Carlton: 1
    • Sapphire Reserve: 1
  • Citi:
    • American Airlines: 1, 2
    • Double cash: 1

Radius Bank

No longer allows any credit card funding

There is no pre set limit on how much you can fund with radius bank. You can also fund whenever you open a new account (e.g opening a savings & checking account will let you fund twice). It’s not possible to fund with an American Express card, only Visa or MasterCard. We know you can fund up to at least $17,000. Looks like this is now over and the maximum you can fund is $1,000. One DP says that funding doesn’t work at all any longer.

  • Bank of America:
    • Cash Rewards: 1
    • Merrill: 1
  •  Chase:
    • AARP: 1
    • Hyatt: 1, 2,
    • Ink Preferred: 1, 2,
    • Sapphire Reserve: 1
  • Citi
    • Double Cash: 1
    • Hilton: 1
  • Barclaycard:
    • Wyndham: 1
  • Priceline card: 1
  • U.S. Bank:
    • Altitude Reserve: 1

Randolph-Brooks Federal Credit Union (RBFCU)

Up to $1,000 with a Visa or Mastercard. Unknown what codes as a purchase.

Redstone Federal Credit Union

Unknown credit card funding amount. The following code as a purchase:

  • Unknown

The following code as a cash advance:

  • Citi: 1,
  • U.S. Bank: 1,

Reliant Community Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

  • Chase:
    • Fairmont: 1
    • Freedom: 1

Regions Bank

It’s possible to fund up to $1,000 with a credit card. It’s also possible to open up a free savings account and also fund this with a credit card for another $1,000 (we don’t believe this will result in another chex system inquiry and no hard pull will be done). American Express not accepted. The following code as a purchase:

  • Barclaycard:
    • Arrival: 1, 2, 3
  •  Capital One:
    • Venture: 1
  •  Chase:
    • British Airways: 1
    • Freedom Unlimited: 1
    • Hyatt: 1
    • Ink cash: 1,
    • Ink Plus: 1 (via e-mail on February 5th, 2016)
    • Ink Preferred: 1 (coded as 3x), 2 (didn’t work), 3,
    • Marriott: 1
    • Sapphire Preferred: 1 (with CA set to $0 didn’t go through: 1), 2, 3 (didn’t go through due to cash advance limit set to $0)
    • Sapphire Reserve: 1 2, 3, 4,
    • Southwest: 1, 2
  • Citi:
    • AA: 1, 2, 3
    • AA business: 1
    • Double cash: 1, 2,
  • Commerce Bank:
    • Special Connections: 1
  • Elan:
    • Fidelity: 1
  • SunTrust:
    • Platinum Elite: 1
  • USAA:
    • Limitless: 1
  • Wells Fargo:
    • Cash wise: 1
    • Platinum: 1,

Coded as a cash advance:

  • Bank of America:
    • Merrill: 1 (declined due to fraud alert)
  • Citi: 1 (didn’t actually code as a cash advance, just didn’t process with $0 cash advance limit set)

Republic Bank

Can fund up to $500 with either a Visa or Mastercard.

Following codes as a purchase:

  • Chase:
    • Freedom: 1

Rivermark Community Credit

Can fund up o $2,520 with a credit card. The following code as a purchase:

  • Chase:
    • Sapphire Preferred: 1,

Rockland Trust Bank

You can fund up to $2,500 with a credit card (Visa, Mastercard, American Express & Discover are accepted). The following code as a purchase:

  • American Express:
    • Hilton Aspire: 1,
    • Platinum: 1,
  •  Barclaycard:
    • Arrival Plus: 1,
  •  Chase:
    • Chase Ink Preferred: 1,
    • Sapphire Preferred: 1,
  •  Citi:
    • AA Platinum: 1
    • Premier: 1,

Sacramento Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

  • Alliant: 1,

San Diego Credit Union (SDCCU)

You can fund up to $50 with a credit card. The following code as a purchase:

  • Chase:
    • Sapphire Reserve: 1

Sandy Spring Bank

You can fund up to $250 with a credit or debit card. Only Visa & Mastercard are accepted.

  • Bank of America:
    • Premium Rewards: 1,
  •  Chase:
    • Freedom: 1,
    • Freedom Unlimited: 1
  •  Citi:
    • AA: 1, 2,
    • Double cash: 1, 2,

San Mateo Credit Union

New limit of $500? Please confirm in the comments

Can fund up to at least $3,000 with a credit card. The following codes as a purchase:

  • Chase:
    • Ritz-Carlton: 1
    • Sapphire Preferred: 1,

Seacoast Bank

You can fund up to $1,000 $100 with a credit card. The following don’t count as a cash advance:

  • Bank of America:
    • Alaska Airlines: 1
    • Cash Rewards: 1
  • Chase:
    • British Airways: 1
    • Marriott: 1
    • Sapphire Preferred: 1
  • Citi:
    • Premier: 1

The following do:

  • Barclaycard:
    • Arrival: 1
    • Aviator: 1

Security Plus

Can fund up to $500 with a credit card. The following count as a purchase:

  • Citi AA: 1

Signature Bank of Georgia

Apparently no longer allows credit card funding of any sort.

You can fund with Visa, Mastercard or Discover. Up to $5,000 $1,500 now. The following codes as a purchase:

  • Bank of America:
    • Merrill+: 1, 2
  • Chase:
    • Freedom: 1. 2, 3
    • Freedom Unlimited: 1, 2
  • Citi:
    • Hilton: 1

Signature Federal Credit Union

You can fund $500.

The following code as a purchase:

  • Alliant: 1,
  • Bank of America Merrill+: 1
  • Chase
    • Freedom: 1
    • Chase Sapphire Reserve: 1
    • Marriott Business: 1,
  • Synchrony:
    • Stash Hotel: 1

The following coded as a cash advance:

  • Barclaycard:
    • Wyndham: 1

 

Sound Credit Union

Cannot fund with a credit card, can use paypal to fund up to $3,000.

 

S&T Bank

You can fund up to $5,000 $100 with a Visa or Mastercard. We don’t have any current data points on what does/doesn’t code as a cash advance.

  • Citi:
    • Doublecash: 1

Star One Credit Union

You can fund up to $1,000 with a credit card (Visa, American Express, Mastercard & Discover accepted). The maximum is $1,000 across both checking & savings. The following code as a purchase:

  • American Express:
    • Business Gold Rewards: 1,
    • Hilton Business: 1,
  •  Barclaycard:
    • Arrival: 1
  • Capital One:
    • Quicksilver: 1,
  •  Chase: 1
    • British Airways: 1
    • Chase Sapphire Preferred: 1,
    • Chase Sapphire Reserve: 1
    • Southwest: 1

Codes as a cash advance:

  • Citi:
    • ThankYou Premier: 1

State Bank Of India (California)

Can fund up to $1,000 with a Visa or Mastercard. The following code as a purchase:

  • Bank of America:
    • Premium Rewards: 1,
  • Barclays:
    • Arrival+: 1,
  • Chase:
    • Ink cash: 1,
    • Ink Unlimited: 1,
  • Citi:
    • ThankYou Preferred: 1,
  • NFCU:
    • Flagship Rewards: 1,
  • Wells Fargo:
    • Business Platinum: 1,

State Department Federal Credit Union

Can fund with a debit, credit card (up to $500) or paypal (up to $10,000) Paypal no longer an option apparently.

State Employees Credit Union (SECU) Of Maryland

You can use a Visa, Mastercard or Discover to fund (no American Express) unsure on limit but at least $200. The following code as a purchase:

  • Chase:
    • Freedom: 1 (via e-mail on July 31st, 2016)
  • Citi:
    • Double cash: 1

St Mary’s Credit Union

You can fund with a credit card, up to a limit of $250. We don’t have any data points on what does/doesn’t code as a cash advance.

St Paul Federal Credit Union

You can fund up to $1,000 for both checking & savings. Mastercard or Visa. Currently no datapoints on what codes as a purchase or cash advance.

Suffolk Federal Credit Union

You can fund $5-$1,000 with a credit card (Visa, Mastercard or Discover).

The following code as a purchase:

The following code as a cash advance:

  • Bank of America:
    • Cash rewards: 1

Sun East Federal Credit Union

You can fund up to $550 with a credit card. The following don’t count as a cash advance:

  • Barclaycard Arrival+: 1
  • Chase Freedom: 1
  • Citi Hilton: 1

The following do count as a cash advance:

  • Discover

SunTrust

You can fund up to a maximum of $1,000 with a credit card (now $250). Chase is unusual as it looks like it’ll originally post the funding as a cash advance and then this will change to a purchase (1, 2, 3) Update: others are reporting it stays as a cash advance: 1. Obviously YMMV. SunTrust represenatives have also stated it will take up to 7 business days for the credit card funding to go through. The following don’t count as a cash advance:

  • Barclaycard
    • Priceline Visa: 1
  • Citi: 1 (now codes as cash advance according to reader via e-mail), 2
  • NFCU: 1

The following do count as a cash advance:

  • Barclaycard
    • AA: 1
    • Arrival: 1, 2, 3,
    • US Airways: 1
  • Bank of America: 1
  • Capital One: 1
  • Chase:
  • Citi:
    • American Airlines: 1,
    • Double cash: 1
    • Hilton: 1

TCF Bank

Update: Funding has now been reduced to $100

You can fund up to $1,000 with a credit card (max is $1,000 for checking & at least $1,000 for savings) Only Visa & Mastercard is accepted. The following post as a purchase:

  • Alliant: 1,
  •  Barclaycard:
  •  Chase:
    • British Airways: 1
    • Hyatt: 1
    • Ink Preferred: 1
    • Freedom: 1
    • Freedom Unlimited: 1
    • Sapphire Preferred: 1, 2, 3, 4, 5,
    • Southwest: 1
  • Citi:
    • American Airlines: 1
  • U.S. Bank:
    • Altitude Reserve: 1
    • Fidelity: 1, 2,

TD Bank

Can be funded with a credit card up to $300 $1,00 in initial funding. The following count as a purchase:

  • Bank of America:
    • Cash Rewards: 1, 2 (now cash advance: 1)
    • Alaska Business: 11
  • Capital One Quicksilver: 1, 2 (3, didn’t process with $0 cash advance limit). Warning, looks like this codes as a cash advance now.
  • Chase: (looks like it might revert to purchase after originally coding as cash advance (1, 2, 3, 4, 5, 6, 7)
    • Sapphire Reserve: 1
  • Citi (now codes as cash advance?)
    • AA: 1
    • Hilton Honors Visa: 1
  • Fidelity:
    • Visa: 1
  • U.S. Bank FlexPerks: 1
  • Wells Fargo: 1

The following count as a cash advance:

  • Bank of America:
    • Alaska business: 1 (transaction didn’t go through)
    • Business cash: 1,
  • Capital One Spark business: 1 (update: on October 29th 2015 a reader let us know this is no longer the case)
  • Chase (looks like it might revert to purchase after originally coding as cash advance (1, 2, 3, 4, 5, 6):
    • Freedom Unlimited: 1
    • IHG: 1 (didn’t revert to purchase)
    • Ink Cash: 1
    • Ink Plus: 1,
    • Marriott Business: 1
    • Sapphire Preferred: 1, 2,
    • Sapphire Reserve: 1, 2
    • United: 1
  • Barclays
    • Arrival: 1, 2
    • Cash Forward: 1
  • Citi
    • AA Platinum: 1, 2
    • Double Cash: 1, 2
    • ThankYou Premier: 1
  • Gift Card:
    • Visa from GCM: 1

TDECU

Can fund up to $250 with a credit card.

Tech Credit Union

Can be funded with a credit card up to $125 (across all accounts), Visa, Mastercard, Amex or Discover. The following count as a purchase:

  • Amex Everyday: 1
  • Bank of America:
    • Alaska: 1
    • Cash rewards: 1
  • Capital One: 1
    • Business Spark: 1
  •  Citi
    • AAdvantage: 1, 2,
    • Double Cash: 1, 2, 3https://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/#comment-277546
    • Citi Prestige: 1, 2
  • Chase
    • Freedom: 1, 2,
    • British: 1
    • Hyatt: 1
    • Marriot: 1
    • Ink Plus: 1
    • Sapphire Preferred: 1, 2
    • Sapphire Reserve: 1
    • Southwest: 1, 2, 3
  • Barclay
    • Arrival: 1
    • Wyndham: 1
  • US Bank:
    • Club Carlson: 1

Codes as a cash advance:

  • Discover: 1

Tompkins VIST Bank

You can fund up to $500 with a credit card. We don’t know what codes as a purchase or cash advance:

Tower Federal Credit Union (TFCU)

You can fund up to $500 with a credit card. The following code as a purchase:

  • Chase Sapphire Reserve: 1

TruMark Financial

You can fund up to $1,000 with a Visa, Mastercard, Discover or American Express. The following post as a purchase:

  • Chase: 1 (currently pending)
    • Sapphire Preferred: 1,

TruStone Financial

Can fund up to $2,000 with a credit card. Visa & Mastercard are accepted. The following code as a purchase:

  • Citi
    • Double cash: 1, 2,

TruWest Credit Union

Allows credit card funding up to $5,000. Only Visa & Mastercard accepted. The following code as a purchase:

  • Chase:
    • Freedom: 1,
  •  Citi:
    • Doublecash: 1,

UFB Direct

There is a $100 limit.

The following don’t count as a cash advance:

  • Barclaycard
    • Lufthansa: 1

Umpqua Bank

You can fund up to $2,000 with a Visa or Mastercard. The following code as a purchase:

  • Bank of America:
    • Alaska: 1, 2,
  •  Chase
    • Freedom Unlimited: 1, 2, 3,
    • Southwest business: 1,
  • Citi:
    • Access more: 1,
    • Double cash: 1,
    • Premier: 1,
  • Fidelity: 1,
  • U.S. Bank
    • Altitude Reserve: 1,
    • Flexperks: 1,
  • Wells Fargo:
    • Cashwise: 1,

The following code as a cash advance:

  • Citi:
    • American Airlines: 1,
    • American Airlines business: 1,

Unify Financial Credit Union

Can fund up to $25 with a Visa, Mastercard or Discover credit card. The following code as a purchase:

  • Chase:
    • Freedom: 1,
    • Ink cash: 1,
  • Citi:
    • Double cash: 1,

Union Bank & Trust

You can fund up to $2,000 with a credit card. The following code as a purchase:

  • American Express:
  • Bank of America:
    • Alaska: 1,
  • Barclaycard:
    • Aviator: 1
  • NFCU:
    • Flagship: 1,

University of Wisconsin Credit Union

Can fund up to $500 with a credit card.

United Bank

You can fund with a credit or debit card up to a limit of $500. The following code as a purchase:

  • Chase
    • Sapphire Reserve: 1

Unitus Community Credit Union

Can fund up to $750 with a credit card. The following code as a purchase:

  • Chase:
    • Chase Freedom Unlimited: 1

USAA

You can fund up to $100 with a credit card.

The following coded as a purchase:

The following coded as a cash advance:

  • Bank of America:
    • Alaska: 1
  •  Chase:
    • Freedom: 1
    • Ink Preferred: 1
  •  Citi
    • ThankYou Premier: 1
    • AA: 1, 2

US Alliance Financial

Can fund up to a maximum of $100 with a credit card (somebody funded $25,000 over the phone). You can’t fund with an American Express card.

  • Chase:
    • Sapphire Preferred: 1,

Utah First Credit Union

You can fund up to $500 with a credit card. Unknown what codes as a purchase.

U$X Federal Credit Union

  • No data points

VantageWest Credit Union

Allows up to $2,000 in credit card funding. The following code as a purchase:

  • Bank of America: 1,
  •  Barclaycard:
    • Arrival+: 1, 2,
    • Uber: 1,
  • Chase:
    • Ink Preferred: 1,
    • Sapphire Preferred: 1,
  •  Citi:
    • Double Cash: 1,
    • Premier: 1,
  • Fidelity: 1,

Verity Credit Union

This account can be funded up to $1,000 with a credit card. The following coded as a purchase:

  • Chase:
    • Sapphire Reserve: 1,
  • Wells Fargo:
    • Business Platinum: 1 (07/07/18 via e-mail)

The following coded as a cash advance:

  • Citi
    • American Airlines: 1,

VirtualBank

No longer allows credit card funding

You can fund with a Visa or Mastercard up to an unknown amount, at least $2,000. Currently no data points on what codes as a purchase/cash advance.

Washington Trust

Can fund up to $2,000 with a credit card, possibly more. Unknown what codes as a purchase.

Wauna Federal Credit Union

The following count as a cash advance:

  • Barclaycard:
    • Arrival: 1
  • U.S Bank:
    • Club Carlson: 1

Westfield Bank

You can fund up to $500 with a Discover, Mastercard & Visa. American Express is not allowed. The following code as a purchase:

  • Chase:
    • Freedom: 1,

Westerra Credit Union

Can fund up to $2,000 with a credit card. The following code as a purchase:

  • Chase:
    • Sapphire Preferred: 1,

Wings Financial Credit Union

Can fund up to $500 with a credit card. Visa & Mastercard accepted.

Zeal Credit Union

Can fund up to $1,000 with a credit card. No data points on what codes as a purchase.

Banks That Don’t Allow Credit Card Funding

  • 1st Constitution Bank

  • 1st Source Bank

  • ableBank

  • ACNB Bank

  • All America Bank

  • Alliant Credit Union

  • Ally Bank

  • Amegy Bank

  • Andrews Federal Credit Union

  • APGFCU

  • Apple Bank

  • AnchorBank

  • Arvest Bank

  • Astoria Bank

  • Avidia Bank

  • BancorpSouth

  • Bank Direct

  • BankHometown

  • Bank Mutual

  • Bank of Canton

  • Bank of Elk River

  • Bank of Galesville

  • BankPurely (1)

  • BECU

  • Bellco Credit Union

  • Berkshire Bank

  • BMT (Bryn Mawr Trust)

  • Bridge Credit Union

  • Bridgeview Bank Group

  • Brightpeak Financial

  • Carver Federal Savings Bank

  • CCFBank

  • CEFCU

  • Century Bank

  • Charles Schwab Checking

  • Chief Financial Credit Union

  • CIBC US

  • Cincinnati Federal

  • CIT Bank

  • CNote

  • Columbia Bank (WA, OR, ID)

  • Commerce Bank (MO, KS, IL, OK & CO)

  • ConnectOne (at least for CDs)

  • ConnexUs Credit Union

  • Customers Bank (1)

  • Dedham Savings Bank

  • DimeDirect

  • Dollar Bank

  • Dollar Savings Bank

  • EBSB Direct

  • Elements Financial (1)

  • ESL Federal Credit Union

  • Fidelity Bank (Online, MA)

  • Fidelity Bank (Brokerage)

  • First Bank and Trust

  • First Bank Financial Centre (FBFC)

  • FCB South County Bank

  • Fifth Third (5/3rd)

  • First Federal of Washington

  • First National Bank [UT]

  • First National Bank [NE]

  • First Republic Bank

  • First Tech Federal Credit Union

  • First Trade Union Bank (FTUB)

  • Five Star Bank (only been tested in branch)

  • Flagstar Bank

  • Flushing Bank

  • Focus Federal Credit Union

  • Freedom Credit Union

  • Freedom Federal Credit Union

  • Fulton Bank

  • Gateway Metro Federal Credit Union

  • Georgia Banking Company (GBC)

  • Global Credit Union

  • Greater Nevada Credit Union

  • Great Southern Bank

  • Heartland Credit Union

  • Heritage Credit Union

  • Home Savings Bank

  • HomeStreet Bank

  • HSBC (1)

  • Huntington Bank

  • ICBC USA

  • IC Federal Credit Union

  • Incredible Bank

  • Industrial Bank (1)

  • INOVA Federal Credit Union

  • Integrity Bank

  • Investor Bank

  • Iowa State Bank (1)

  • Johnson Bank

  • Kearny Bank

  •  Lakeland Bank

  • LegacyTexas

  • Level One Bank

  • Marine Bank

  • MB Financial Bank

  • Mango Bank

  • MidFirst Bank

  • Midwest Regional Bank

  • My Banking Direct

  • My eBanc

  • MVB Bank

  • M&T Bank

  • Nationwide Bank

  • NBC Oklahoma

  • Nevada State Bank

  • New Buffalo Savings Bank

  • Newton Federal Bank

  • Northfield Bank

  • NorthShore Credit Union

  • NBT Bank

  • NRLFCU

  • Nutmeng State Financial Credit Union

  • NYCB Family Of Banks

  • Old Missouri Bank

  • Old Second Bank

  • One American Bank

  • Orion Federal Credit Union

  • Pacific Service Credit Union

  • Parkside Credit Union

  • Patelco Credit Union

  • Pathways Financial Credit Union

  • PeoplesBank

  • Peoples United Bank

  • Pinnacle Financial Partners

  • Polam Federal Credit Union

  • Popular Bank

  • Popular Direct

  • PurePoint Financial

  • Salem Five Bank

  • Scient Federal Credit Union

  • Security Service Federal Credit Union

  • SENB Bank

  • Solvay Bank

  • Sound Community Bank

  • Space Coast Credit Union

  • Stoneham Bank

  • Sunflower Bank

  • Talmer Bank & Trust

  • Texell Credit Union

  • TIAA Direct

  • Town Bank

  • Town and Country Bank

  • Traditional Bank

  • Union Bank

  • Union Plus Prepaid

  • United Roosevelt Savings Bank

  • Unity Bank

  • Univest

  • Webster Bank

  • Whitney Bank

  • Wintrust Bank

  • Woori America Bank

  • WyHy FCU

  • Valley National Bank

Banks That We Aren’t Sure About

  • 121 Financial Credit Union

  • 4Font Credit Union

  • A+ Federal Credit Union (A+FCU)

  • AAA

  • AAC Credit Union

  • Advance Financial Federal Credit Union (AFFCU

  • Advantage Bank

  • Aero Federal Credit Union

  • Allegiance Credit Union

  • Aloha Pacific Federal Credit Union

  • American Commerce Bank

  • America First Credit Union

  • American Bank

  • American Enterprise Bank

  • American Investors Bank & Mortgage (AIBM)

  • American Trust & Savings Bank

  • AmeriCU Credit Union

  • American Heritage Credit Union

  • American Savings Bank (ASB) Hawaii

  • ANB Bank

  • Arizona Central Credit Union

  • Ascend Federal Credit Union

  • Ashland Credit Union

  • Associated Credit Union

  • Associated Credit Union of Texas (ACUTX)

  • Ballston Spa National Bank (BSNB)

  • Bank7

  • BankFinancial

  • Bank Midwest

  • Bank Of Lee’s Summit

  • Bank of Ruston

  • Bank Of Sun Prairie

  • BankOrion

  • Banterra

  • Barclays

  • Baton Rouge Telco Federal Credit Union

  • Beacon Credit Union

  • Belco Community Bank

  • Belmont Savings Bank

  • Beneficial Bank

  • Berkshire Bank

  • Beverly Hill Bank

  • BHCU

  • BiddefordSavings

  • BMI Federal Credit Union

  • BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)

  • BrightStar Credit Union

  • Byline Bank

  • Bull’s Eye Credit Union

  • California Bank & Trust

  • Capital Credit Union

  • CBT Bank

  • Charter Oak

  • CinFed Credit Union

  • Clifton Savings Bank (CSBK)

  • Commerce Bank (MA)

  • CommonWealth Credit Union

  • Community Alliance Credit Union

  • Community Bank & Trust

  • Community West Credit Union

  • Connex Credit Union

  • Cooperative Bank of Cape Cod

  • Coors Credit Union

  • Crane Credit Union

  • Credit Union of Ohio

  • Credit Union One

  • Crystal Lake Bank

  • Cambridge Trust Company

  • Capitol Bank

  • Capital One 360

  • Campus USA Credit Union

  • Cedar Rapids Bank & Trust

  • Centier

  • The Citizens Bank

  • City National Bank (Bankatcity)

  • Community First Credit Union of Florida

  • Consolidated Community Credit Union

  • Control Card

  • CSE Federal Credit Union

  • Darien Rowayton Bank

  • Delta Community Credit Union

  • Denmark State Bank

  • Diamond Valley Federal Credit Union

  • Denver Community Credit Union

  • Eagle Federal Credit Union

  • East Boston Savings Bank

  • Eastern Savings Bank

  • Eastman Credit Union

  • East Wisconsin Savings Bank

  • Educators Credit Union (ECU)

  • Empire State Bank

  • Energy Federal Credit Union

  • Essex Bank

  • EverBank

  • Farmers Insurance Federal Credit Union

  • FAST Credit Union

  • FCB Banks

  • FEDCOM Credit Union

  • First Bank & Trust Company Illinois

  • First General Credit Union

  • First Green Bank

  • First Commerce Credit Union

  • First Commonwealth Bank

  • First Community Bank (AR/MO)

  • First Federal Bank of Wisconsin

  • First Financial Bank (AR/MS)

  • First Financial Bank (TX)

  • First Financial Federal Credit Union

  • First Flight Credit Union

  • First Hawaiian Bank

  • First Jersey Credit Union

  • First Nebraska Educators Credit Union

  • First Northern Credit Union

  • First South Financial

  • Fitzsimmons Credit Union

  • Florida Community Bank

  • FNCB (maybe up to $499 including Amex)

  • F&M Bank

  • Focus Bank

  • Forcht Bank

  • Fremont Bank

  • Garden Savings Federal Credit Union

  • Giftsforbanking

  • GO Federal Credit Union

  • Greater Iowa Credit Unio

  • Gulf Coast Federal Credit Union

  • Heartland Bank

  • Heritage Bank NW

  • HeritageWest Credit Union

  • Home National Bank

  • Home Federal Savings Bank

  • Hometown Community Banks

  • HomeTrust Bank

  • Hopewell Federal Credit Union

  • Horizon Bank

  • Houston Metropolitan Federal Credit Union

  • Hudson River Community Credit Union (HRCCU)

  • Hudson Valley Federal

  • Idaho Central Credit Union (ICCU)

  • Illinois National Bank

  • Illinois State Credit Union

  • KaiPerm

  • Kemba Financial Credit Union

  • Kinderhook Bank

  • Kinecta

  • La Capitol Federal Credit Union

  • Lake Shore Savings

  • Landmark Credit Union

  • Ledyard Bank

  • LGE Community Credit Union

  • Liberty Bank For Savings

  • Liberty First Credit Union

  • LM Federal Credit Union

  • LorMet Community Federal Credit Union

  • Lyons National Bank

  • Magnolia Federal Credit Union

  • MainSource Bank

  • Main Street Bank [of Virginia]

  • MarketUSA Federal Credit Union

  • Marquette Bank

  • Mars Bank

  • Mcfarland State Bank

  • Melrose Bank

  • Member One Federal Credit Union

  • Members Source Credit Union

  • Memphis City ECU (MCECU)

  • Meridian Bank

  • Meridian Trust Federal Credit Union

  • MIDFLORIDA CU

  • Mid Penn Bank

  • MidWestOne Bank

  • Middlesex Bank

  • Mobiloil Credit Union

  • Montgomery County Employees Federal Credit Union (MC EFCU)

  • Monroe Bank & Trust (MBT)

  • Mutual Bank

  • MySavingsDirect

  • Neighborhood Credit Union

  • North Brookfield Savings Bank

  • North Community Bank

  • Northern Paper Milles (NPM)

  • Northern Skies FCU

  • North State Bank

  • Northwest Bank

  • NWSB Bank

  • Numerica Credit Union

  • Oakland University Credit Union

  • One Nevada Credit Union

  • OneWest Bank

  • Oritani Bank

  • OUR Credit Union

  • Parke Bank

  • Partner Colorado Credit Union

  • Penn Community Bank

  • People’s Bank

  • Picatinny Credit Union

  • Pikes Peak Credit Union

  • Polish National Credit Union

  • Public Service Credit Union

  • Power Financial Credit Union

  • Preferred Credit Union

  • Prestige Community Credit Union

  • Progessions Credit Union

  • Proviso Community Bank

  • PSECU

  • Public Employees Credit Union (PECU)

  • Public Service Credit Union

  • Pulaski Bank

  • PyraMax Bank

  • Randolf Savings Bank

  • Reading Cooperative Bank

  • Real People’s Bank

  • Red Rocks Credit Union

  • Reliance Bank

  • Reliant Bank

  • Ridgewood Savings Bank

  • Riverview Bank

  • Royal Bank America

  • SAFE Credit Union

  • Savings Bank of Danbury

  • Sawyer Savings Bank

  • SB1 Federal Credit Union

  • Selco Community Credit Union

  • Select Bank & Trust

  • Simsbury Bank

  • SIS Bank

  • SkyOne Federal Credit Union

  • South East National Bank

  • Southland Credit Union

  • South Shore Bank

  • South State Bank

  • Spartan Federal Credit Union

  • Spire Credit Union

  • Stanford Federal Credit Union

  • Star Bank

  • State Bank of Bement

  • State Security Bank

  • STCU (Spokane Teachers Credit Union)

  • Sturdy Savings Bank

  • Suburban Bank & Trust (SBT)

  • Sun National Bank

  • Synovus Bank

  • Sweet Home Federal Credit Union

  • Taunton Federal Credit Union

  • Telco Community Credit Union

  • Telhio Credit Union

  • The Columbia Bank

  • The First State Bank

  • Thrivent Federal Credit Union

  • TobyHanna FCU

  • Truity Credit Union

  • Trustco Bank

  • TTCU (Formerly Tulsa Teachers Credit Union)

  • Ulster Savings Bank

  • UMB Bank

  • UniBank

  • Union Community Bank

  • United Community Bank (UCB)

  • Wakefield Co-operative Bank

  • Water And Power Community Credit Union (WPCU)

  • WaterStone Bank

  • Watertown Savings Bank

  • Wellesley Bank

  • Wesbanco

  • Wescom Credit Union

  • Westbury Bank

  • Westfield Bank, FSB

  • WestTown Bank & Trust

  • Valley Bank

  • Varo Money

  • Vibrant Credit Union

  • Vinton County


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I can confirm that BMO allowed me to fund with my Barclay Arrival and it didn’t count as a cash advance. I can also +1 to using the same card at First Niagara and it not counting as an advance.

I can confirm that using a Capital One Quicksilver for First Niagara is NOT a cash advance. I did $1000 and it shows up as a purchase under “Other Services”.

I can confirm that First Trade Union Bank charges a cash advance on initial VISA deposit via online application for savings account

I can confirm Suntrust charges a cash advance on the Capital One Venture Rewards.

Barclaycard Arrival to fund Suntrust is a cash advance.

Barclay Rewards is a cash advance (5% fee) for Suntrust.

What is the status of funding UFB Direct airline checking account with credit?

FYI – I just called Barclays to set my cash advance to $0 for Arrival and US Airways and it was a no go. Just want to confirm, is Barclays for funding a Chase bank account still a viable option and doesn’t code as a cash advance? I plan to try this in the next few days. I will report back if I haven’t heard from anyone here.

What about TCF bank? I have one in my local grocery. They said they allow initial funding with a CC. Does anyone know if they will post as “cash advance”, or “purchase”? Thanks in advance. Here’s a link if thats of any help…https://www.tcfbank.com/customer-service_frequently-asked-questions_opening-an-account-online.aspx

DP: I opened a free checking online and funded it CSP for a maximum allowed $1000. Posted as regular purchase. Soft pull.

Did you apply online or at a branch? And this can be a general question: does applying for a bank account and funding it with a credit card count as Cash Advance always or it may still count as a Purchase?

Hi, I live in MN, I applied with TCF online (09-2017).
TCF can be funded1000$ in saving and checking.
I maxed out at 3 Checking and 1 Savings = $4000.
Eventually TCF caught on to my scheme and didn’t let me open any more accounts as of now (01-03-17).
Maybe i’ll close my account down and reopen in 6 month.

Typo (opened accout in 09-2016)
I guess I accidently put my full name in,
William Charles can you Please remove my full name
Thanks.

They changed funding to $100 max. 🙁

Opened free checking and $100 min savings, funded is CSP, checking max – $1K, not sure savings, but tried concurrently with $500 and it went through

Data Point – Loading WF chking w/ ChaseUA CC worked w/ no CA fee 🙂

I can confirm that funding a new PNC account with a BofA Alaska Airlines card is a purchase.

I can confirm funding a new PNC account for $2,000 with a Chase Marriott card. It went through as a purchase. I lowered my cash advance limit to $500 prior to trying this. Thanks!

Can I load bank account with CC only if I open a new bank account, or I can do it with existing accounts as well? Thank you in advance!!!

I tried to open the PNC card over the web for the cash bonus and opportunity to fund with a credit card, but it said my ID could not be verified and that I have to open in person. I went to the school branch and opened it, but the lady told me at the very end her branch has limited services and can accept only cash as opening balance; she opened the account, but asked me to pay at another branch since I did not have the cash. I went to a full service branch and the lady there said credit card could not be used to open the account and it will be treated as cash advance, etc. It is a bummer I could not open the a/c over the web.

Does anyone know if a deposit to a Citigold account, using a Suntrust Delta Debit card is treated as a cash advance? I will appreciate any help.

I tried to fund my Chase checking account with a Cap1 Venture card…it counted as a cash advance.

Lake Michigan Credit Union (LMCU) cannot be funded with an AmEx card.

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