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
  • 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 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
  • 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
    • Cash Forward: 1
    • Lufthansa (via e-mail on March 13th, 2016)
  • BoA:
    • Alaska Airlines: 1 (Update now codes as cash advance: 1), 2 (didn’t code as CA)
    • Cash rewards: 1
    • Fidelity: 1
    • Merrill+: 1, 2, 3, 4, 5, 67
    • Travel Rewards Business: 1
  • Capital One:
    • Business Spark: 1
    • Quicksilver: 1
    • Venture: 1
  • Chase cards: 1, 2, 3, 4, 5, 6
  • Citi:
    • AA: 1, 2, 3, 4 (5 didn’t go through cash advance limit), 6, 7,
    • Double cash: 1, 2, 3, 4
    • Hilton: 1
    • Premier: 1, 2, 3
    • AAdvantage: 1
  • Consumer Credit Union:
    • Visa: 1
  • Discover: 1
  • Fidelity: 1
  • Synchrony:
    • Cathay Pacific: 1,
  • USAA:
    • Limitless: 1
  • Wells Fargo:
    • Cash wise: 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)
  • 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
  • Capital One:
    • Venture: 1, 2 (via e-mail in April 2016), 3
    • Journey: 1
  •  Chase
    • AARP: 1
    • Chase Sapphire Preferred: 1, 2, 3
    • Chase Sapphire Reserve: 1, 2, 3, 4, 5, 6
    • Chase Freedom: 1, 2, 3, 4, 5, 6
    • Freedom: 1
    • Freedom Unlimited: 1, 2
    • IHG: 1, 2
    • Marriott: 1
    • Southwest: 1, 2, 3, 4
    • Ink: 1
    • Ink Preferred: 1
    • United: 1, 2
  • Citi:
    • American Airlines: 1, 2, 3, 4
    • Costco: 1
    • Diamond Preferred: 1
    • Double Cash: 1, 2, 3, 4
    • Hilton: 1, 2 (didn’t work: 1)
    • ThankYou Premier: 1
  • Fidelity: 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:

  • Chase: !s
    • Chase Ink: 1
    • Chase Ink Preferred: 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
    • Double cash: 1
  • Barclay:
    • Arrival: 1, 2, 3 (might no longer work: 1, 2), 4
  • Bank of America: 1
    • Alaska: 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

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
  • 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
    • Ink Preferred: 1, 2,
    • Marriott: 1,
    • 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
    • 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

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:
    • Hyatt: 1
    • Ink Preferred: 1, 2
    • Marriott: 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
    • Freedom: 1
    • IHG: 1
    • Ink: 1
  • Citi (didn’t code as cash advance, but data point of it coding as CA in the comments)
  • 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)

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 (American Express, Visa, Mastercard & Discover all accepted). The following code as a purchase:

  • Bank of America:
    • Cash rewards: 1,
  •  Chase:
    • IHG: 1,
    • Sapphire Reserve: 1

Arizona State Credit Union (now OneAZ Credit Union)

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

  • Chase:
    • Sapphire Preferred: 1
    • IHG: 1

Associated Bank

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

Counts as purchase:

  • Chase
    • Freedom: 1
    • Ink: 1
  • Citi: 1
    • Double Cash: 1, 2
  • Barclay Arrival: 1

Bankers Trust

You can fund with a credit card (at least $1,000). The following code as a purchase:

  • Barclaycard:
    • Aviator Red: 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
    • Sapphire Reserve: 1
  • Citi:
    • 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

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:

  • Bank of America:
    • Cash rewards: 1, 2
    • Merill+: 1
  • Capital One Venture: 1, 2, 3
  • Chase:
    • Disney: 1
    • Freedom: 1
    • Freedom Unlimited: 1
    • Hyatt: 1, 2
    • Ink Preferred: 1,
    • Marriott Business: 1,
    • Sapphire Preferred: 1,
    • Sapphire Reserve: 1, 2, 3
  • Citi:
    • AA: 1
    • Double Cash: 1
    • ThankYou Premier: 1
  • Fidelity:
  • Wells Fargo:
    • Platinum: 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
    • Travel rewards: 1
  • Chase
    • Freedom: 1
    • Marriott Business: 1
    • Sapphire Preferred: 1
    • Sapphire Reserve: 1, 2, 3
    • Southwest Premier: 1
  • Citi:
    • American Airlines: 1 (didn’t process due to cash advance limit)
    • Hilton: 1
    • Hilton Reserve: 1
    • ThankYou Premier: 1

BBVA Compass

BBVA allows credit card funding, only Visa & MasterCard may be used. There is a limit of $5,000 that can be funded

Codes as purchase:

  • Bank of America:
    • Alaska Airlines: 1
    • British Airways: (via e-mail on March 16th, 2016)
    • MERRIL+: 1, 2, 3, 4,
  •  Capital One:
    • Cashback: 1 (was pending as cash advance, reverted to purchase)
    • Quicksilver: 1
  •  Chase:
    • Chase Sapphire Preferred: 1
  • Citi:
    • AA: 1

Codes as cash advance:

  • Chase:
    • British Airways: 1
    • Business United: 1
    • Marriott Business: 1
    • Sapphire Preferred: 1
    • Sapphire Reserve: 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 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: 1
    • Blue Business Plus: 1, 2, 3, 4,
    • Blue cash preferred: 1
    • Business Gold Rewards: 1
    • 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
    • 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
    • Ink Preferred: 1, 2, 3, 4, 5, 6,
    • Ink: 1, 2, 3
    • Sapphire Preferred: 1, 2, 3, 4, 5, 6,
    • Sapphire Reserve: 1, 2, 3, 4
    • Southwest: 1, 2, 3, 4
    • United: 1, 2
  • Citi:
    • American Airlines: 1, 2 (business), 3, 4, 5,
    • 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
  • 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,
  • Wells Fargo:
    • Propel World: 1, 2, 3

Count as cash advance:

  • 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.

Camden National Bank

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

  • Citi:
    • AA: 1

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
  • 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
  • Bank of America:
    • Alaska Airlines: 1
    • Travel Rewards: 1
    • Merrill: 1
  • Chase cards: 1, 2
    • AARP: 1, 2 (coded as cash advance)
    • Chase Freedom: 1, 2, 3, 4, 5,
    • Hyatt: 1
    • Ink Preferred: 1, 2,
    • Sapphire Preferred: 1, 2, 3
    • Southwest: 1, 2, 3
  • Citi:
    • Double cash: 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

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

Consumers Credit Union

You can fund up to $1,000 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

Country Bank For Savings

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

  • Chase:
    • Ink Preferred: 1
    • Sapphire Reserve: 1
    • Southwest Business: 1,
  •  Citi:
    • American Airlines business: 1
    • Double cash: 1

Credit Union One

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

  • Chase:
    • Freedom: 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

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 $10,000 with a credit card (shows maximum of $1,000 but can fund up to $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 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

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

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 Mark Credit Union

Update: According to this comment this has been reduced to only $100.

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

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
  •  Barclaycard:
    • Arrival Plus: 1
    • NFL: 1,
  • Capital One:
    • Venture: 1
  • Chase: 1
    • Freedom: 1, 2, 3, 4
    • Freedom Unlimited: 1
    • 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

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

Gesa Credit Union

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

GTE Federal Credit

Update: Apparently limited to $215 now?

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:

  • Chase: 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

You can fund up to $500 with a credit card. We don’t have any data points on what codes as a purchase/cash advance.

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.

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
    • Chase Freedom: 1, 2, 3
    • Chase Sapphire Preferred: 1
    • Chase Sapphire Reserve: 1 , 2, 3
    • Southwest: 1, 2, 3
  • Citi:
    • 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

Liberty Bank

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

  • 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

Mainstreet Credit Union

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

  •  Citi:
    • Double cash: 1

The following code as a cash advance:

  • Chase:
    • Freedom: 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:

  • American Express:
    • Blue Business Plus: 1
    • Delta Reserve: 1
    • SPG Business: 1
  • Bank of America:
    • Travel Rewards: 1
  • Barclaycard:
    • Aviator: 1
  • Chase:
    • Sapphire Preferred: 1
    • Freedom: 1
    • Freedom Unlimited: 1
  • Citi:
    • AA: 1
  • Discover: 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

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

The following code as a purchase:

  • Barclaycard:
    • American Airlines: 1
    • JetBlue: 1
  • Chase:
    • Freedom: 1,
  •  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
  • Citi:
    • Double Cash: 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 with a credit card. The following code as a purchase:

  • Chase:
    • Southwest: 1

Northeast Credit Union

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

  • Citi:
    • Double cash: 1

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
    • AA: 1, 2
  • Santander credit card: 1

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

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 $100 with a credit card, the following code as a purchase:

  • Chase:
    • Sapphire Preferred: 1 (via e-mail, May 25th, 2016), 2, 3,

PeoplesBank (Bankatpeoples)

It’s possible to fund with a credit or debit card, I’m unsure what the maximum is or what codes as a cash advance or purchase. You can fund at least $500 with a credit card.

  • Chase:
    • Freedom Unlimited: 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. Unsure what codes as a purchase.

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

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
  •  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

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. Might have been removed all together.

  • Bank of America:
    • Cash Rewards: 1
    • Merrill: 1
  •  Chase:
    • AARP: 1
    • Hyatt: 1
    • 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.

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 Plus: 1 (via e-mail on February 5th, 2016)
    • Ink Preferred: 1 (coded as 3x)
    • 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
  • Commerce Bank:
    • Special Connections: 1
  • Elan:
    • Fidelity: 1
  • SunTrust:
    • Platinum Elite: 1
  • USAA:
    • Limitless: 1
  • Wells Fargo:
    • Cash wise: 1

Coded as a cash advance:

  • Bank of America:
    • Merrill: 1 (declined due to cash advance limit)
  • 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

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:

  • Barclaycard:
    • Arrival Plus: 1,
  •  Chase:
    • Chase Ink Preferred: 1,
  •  Citi:
    • AA Platinum: 1

Sacramento Credit Union

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

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.

  • Chase:
    • Freedom Unlimited: 1
  •  Citi:
    • AA: 1
    • Double cash: 1

San Mateo Credit Union

Can fund up to at least $3,000 with a credit card. No data points on what does/doesn’t code as cash advance.

Seacoast Bank

You can fund up to $1,000 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

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

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:

  • Barclaycard:
    • Arrival: 1
  •  Chase: 1
    • British Airways: 1
    • Chase Sapphire Reserve: 1

Codes as a cash advance:

  • Citi:
    • ThankYou Premier: 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
    • Arrival Plus: 1
    • 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
    • US Airways: 1
  • Bank of America: 1
  • Capital One: 1
  • Chase:
  • Citi:
    • Double cash: 1
    • Hilton: 1

TCF Bank

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 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)
  • 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

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
    • 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
    • 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

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)

TruWest Credit Union

Allows credit card funding up to $5,000. No datapoints on what counts as purchase or cash advance. Only Visa & Mastercard accepted.

UFB Direct

There is a $100 limit.

The following don’t count as a cash advance:

  • Barclaycard
    • Lufthansa: 1

Union Bank & Trust

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

  • American Express:
    • SPG: 1, 2
  • Barclaycard:
    • Aviator: 1

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. No data points on what is cash advance/purchase.

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. We don’t have any data points on what does/doesn’t count as a purchase.

VantageWest Credit Union

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

  • Barclaycard:
    • Arrival+: 1

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 $2,500 with a American Express, Discover, Mastercard & Visa. We don’t know what does/doesn’t code as a cash advance or purchase yet.

Banks That Don’t Allow Credit Card Funding

  • 1st Constitution Bank

  • ACNB Bank

  • All America Bank

  • Alliant Credit Union

  • Ally Bank

  • Apple Bank

  • AnchorBank

  • Astoria Bank

  • Avidia Bank

  • BancorpSouth

  • Bank of Canton

  • Bank Direct

  • BankHometown

  • Bank Mutual

  • Bank & Trust

  • BankPurely (1)

  • BECU

  • Bellco Credit Union

  • BMT (Bryn Mawr Trust)

  • Bridge Credit Union

  • Bridgeview Bank Group

  • Brightpeak Financial

  • Carver Federal Savings Bank

  • CCFBank

  • CEFCU

  • Charles Schwab Checking

  • CIT Bank

  • Columbia Bank (NJ)

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

  • ConnexUs Credit Union

  • DimeDirect

  • Dollar Bank

  • Dollar Savings Bank

  • Elements Financial (1)

  • ESL Federal Credit Union

  • 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)

  • Freedom Credit Union

  • Freedom Federal Credit Union

  • Fremont Bank

  • Fulton Bank

  • Georgia Banking Company (GBC)

  • Greater Nevada Credit Union

  • Great Southern Bank

  • Heartland Credit Union

  • Heritage Credit Union

  • Home Savings Bank

  • HomeStreet Bank

  • HSBC (1)

  • Huntington Bank

  • ICBC USA

  • Industrial Bank (1)

  • INOVA Federal Credit Union

  • Integrity Bank

  • Iowa State Bank (1)

  • Johnson Bank

  • JSC Federal Credit Union

  • LegacyTexas

  • Level One Bank

  • MB Financial Bank

  • Mango Bank

  • MidFirst Bank

  • My Banking Direct

  • MVB Bank

  • M&T Bank

  • Nationwide Bank

  • Nevada State Bank

  • New Buffalo Savings Bank

  • Newton Federal Bank

  • NorthShore Credit Union

  • NRLFCU

  • Nutmeng State Financial Credit Union

  • NYCB Family Of Banks

  • Old Missouri Bank

  • Old Second Bank

  • One American Bank

  • Pacific Service Credit Union

  • Parkside Credit Union

  • Patelco Credit Union

  • Pathways Financial Credit Union

  • PeoplesBank

  • Peoples United Bank

  • Polam Federal Credit Union

  • Popular Bank

  • Salem Five Bank

  • Scient Federal Credit Union

  • Security Service Federal Credit Union

  • Solvay Bank

  • Sound Community Bank

  • Stoneham Bank

  • Talmer Bank & Trust

  • Texell Credit Union

  • TDECU

  • TIAA Direct

  • Town Bank

  • Town and Country Bank

  • Traditional Bank

  • TruStone Financial

  • Union Bank

  • Union Plus Prepaid

  • Unity Bank

  • Univest

  • Webster Bank

  • Whitney Bank

  • Wintrust Bank

  • Valley National Bank

Banks That We Aren’t Sure About

  • 1st Source Bank

  • 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

  • America First Credit Union

  • American Bank

  • American Enterprise Bank

  • American Investors Bank & Mortgage (AIBM)

  • American Trust & Savings Bank

  • AmeriCU Credit Union

  • Andrews Federal Credit Union

  • American Heritage Credit Union

  • American Savings Bank (ASB) Hawaii

  • APGFCU

  • Arizona Central Credit Union

  • Ascend Federal Credit Union

  • Associated Credit Union

  • Associated Credit Union of Texas (ACUTX)

  • Ballston Spa National Bank (BSNB)

  • Bank Of Lee’s Summit

  • Bank Of Sun Prairie

  • BankOrion

  • BankWell

  • Banterra

  • 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

  • Bull’s Eye Credit Union

  • Cambridge Savings Bank

  • Capital Bank

  • Capital Credit Union

  • Charter Oak

  • CinFed Credit Union

  • Clifton Savings Bank (CSBK)

  • Columbia Bank (WA, OR, ID)

  • Commerce Bank (MA)

  • CommonWealth Credit Union

  • Community Alliance Credit Union

  • Community Bank & Trust

  • Connex Credit Union

  • Cooperative Bank of Cape Cod

  • Coors Credit Union

  • Cornerstone Bank

  • Crane Credit Union

  • Credit Union of Ohio

  • Credit Union of Texas

  • Crystal Lake Bank

  • Cambridge Trust Company

  • Capitol Bank

  • Capital One 360

  • Campus USA Credit Union

  • Centier

  • The Citizens Bank

  • City National Bank (Bankatcity)

  • Community First Credit Union of Florida

  • Control Card

  • CSE Federal Credit Union

  • Darien Rowayton Bank

  • Dearborn Savings Bank (DSB)

  • Dedham Savings 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

  • East Wisconsin Savings Bank

  • Educators Credit Union (ECU)

  • Energy Federal Credit Union

  • EverBank

  • Farmers Insurance Federal Credit Union

  • FAST Credit Union

  • FEDCOM Credit Union

  • First American Bank

  • First General Credit Union

  • First Green Bank

  • First Home Bank

  • First Commerce Credit Union

  • First Commonwealth Bank

  • First Federal Bank of Wisconsin

  • First Flight Credit Union

  • First Jersey Credit Union

  • First Nebraska Educators Credit Union

  • First South Financial

  • Fitzsimmons Credit Union

  • Florida Community Bank

  • Flushing Bank

  • FNCB (maybe up to $499 including Amex)

  • F&M Bank

  • Focus Bank

  • Fremont Bank

  • Garden Savings Federal Credit Union

  • Giftsforbanking

  • GO Federal Credit Union

  • Greater Iowa Credit Unio

  • Heartland Bank

  • HeritageWest Credit Union

  • Home National Bank

  • Home Federal Savings Bank

  • Hometown Community Banks

  • HomeTrust Bank

  • Hopewell Federal Credit Union

  • Hudson River Community Credit Union (HRCCU)

  • 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

  •  Lakeland Bank

  • Lake Shore Savings

  • Landmark Credit Union

  • LGE Community Credit Union

  • Liberty Bank For Savings

  • Liberty First Credit Union

  • LorMet Community Federal Credit Union

  • Lyons National Bank

  • Macatawa Bank

  • MainSource Bank

  • Marquette Bank

  • Mars Bank

  • Melrose Bank

  • Member One Federal Credit Union

  • Members Source Credit Union

  • Memphis City ECU (MCECU)

  • Meridian Bank

  • Michigan Schools and Government Credit Union

  • MIDFLORIDA CU

  • MidWestOne Bank

  • Middlesex Bank

  • Mobiloil Credit Union

  • Montgomery County Employees Federal Credit Union (MC EFCU)

  • Monroe Bank & Trust (MBT)

  • Mutual Bank

  • Neighborhood Credit Union

  • North Brookfield Savings Bank

  • North Community Bank

  • Northern Paper Milles (NPM)

  • North State Bank

  • Northwest Bank

  • NWSB Bank

  • Numerica Credit Unio

  • Old National Bank

  • One Nevada Credit Union

  • OneWest Bank

  • Oritani Bank

  • OUR Credit Union

  • Partner Colorado Credit Union

  • Penn Community Bank

  • People’s Bank

  • Picatinny Credit Union

  • Pinnacle Financial Partners

  • Public Service Credit Union

  • Power Financial Credit Union

  • Preferred Credit Union

  • Prestige Community Credit Union

  • Progessions Credit Union

  • Proviso Community Bank

  • Public Employees Credit Union (PECU)

  • Public Service Credit Union

  • Pulaski Bank

  • Randolf Savings Bank

  • Reading Cooperative Bank

  • Real People’s Bank

  • Red Rocks Credit Union

  • Redstone Federal Credit Union

  • Reliance Bank

  • Ridgewood Savings Bank

  • Riverview Bank

  • Royal Bank America

  • SAFE Credit Union

  • Savings Bank of Danbury

  • SB1 Federal 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

  • Space Coast Credit Union

  • Spartan Federal Credit Union

  • Spire Credit Union

  • Stanford Federal Credit Union

  • Star Bank

  • State Security Bank

  • STCU (Spokane Teachers Credit Union)

  • Sturdy Savings Bank

  • Suburban Bank & Trust (SBT)

  • Sunflower Bank

  • Sun National Bank

  • Synovus Bank

  • Sweet Home Federal Credit Union

  • Telco Community Credit Union

  • Telhio Credit Union

  • The Columbia Bank

  • TobyHanna FCU

  • Tompkins VIST Bank

  • Truity Credit Union

  • Trustco Bank

  • TTCU (Formerly Tulsa Teachers Credit Union)

  • Ulster Savings Bank

  • UniBank

  • Union Community Bank

  • United Roosevelt Savings Bank

  • Wakefield Co-operative Bank

  • Water And Power Community Credit Union (WPCU)

  • WaterStone Bank

  • Watertown Savings Bank

  • Wellesley Bank

  • Wesbanco

  • Wescom Credit Union

  • Westbury Bank

  • Westerra Credit Union

  • Westfield Bank, FSB

  • WestTown Bank & Trust

  • WyHy FCU

  • Valley Bank

  • Vibrant Credit Union

  • Vinton County

  • Zeal Credit Union


1,684 Responses to Bank Accounts That Can Be Funded With A Credit Card

  1. Ny says:

    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.

  2. Compeek says:

    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”.

    • Thanks for the data point!

      • Elliot says:

        I just tried to use a Capital One Venture One to fund opening deposits for both First Niagara checking and savings accounts. My credit card funding was declined (because I apparently hadn’t actually activated my Capital One card) and my Capital One card was never, but over the phone a Capital One rep told me the transactions would’ve been cash advances. However, I don’t know if (1) the rep knew what she was talking about or (2) if this would’ve been a case of a transaction initially showing as a cash advance before posting as a purchase.

        Side note: My permanent address is in California, which is outside of the coverage area for First Niagara, but they still opened my accounts, even though the rep told me I wouldn’t end up qualifying for the checking account sign-up bonus offer.

  3. Chuck says:

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

  4. Douglas says:

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

  5. Bill says:

    Barclaycard Arrival to fund Suntrust is a cash advance.

  6. Jacob says:

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

  7. Ang says:

    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.

    • Depends on the bank account, it should work fine but obviously use at your own risk. Did you follow our tips on setting your cash advance limit to $0? Sometimes you need to speak to multiple reps.

      • Ang says:

        Thanks William for your reply. Yup, I did. I will call back tomorrow and speak with another rep just in case.

        • Ang says:

          PS – I plan to open both checking and savings.

          • Cool, you going to do the $400 or $500 deal?

          • Ang says:

            I already have a checking so I am doing the savings for myself where I did the $200 last time. Trying to figure out if I will need to fill out the SAR. I will be doing the $400 deal for my bf. I wish there was the $500 deal. It’s not worth it to me to buy the thing off ebay so I guess $400 it is then.

      • zjts says:

        Can Chase bank accounts still be funded with a credit card? If so, what are the max & min amounts?

  8. Barney says:

    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

    • Arvi says:

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

      • Feb says:

        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?

        • maze says:

          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.

          • maze says:

            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.

    • Bob says:

      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

  9. Ben says:

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

  10. Brandon says:

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

    • Janie says:

      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!

  11. Donna says:

    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!!!

  12. rk says:

    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.

  13. James says:

    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.

  14. Lisa says:

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

  15. Poptarts says:

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

  16. Dan says:

    A quick comment on PNC. I tried to fund initially with a credit card. It was processed, reversed, then after weeks of hassle, I eventually got them to do it after talking to retail escalation. But is was a huge hassle and they tried to tell me their system would not accept credit card funding even though it did initially. I threatened to close the account and talked to a number of people and eventually got them to do what I wanted.

    On a different note, I am opening a credit union account that accepts credit card funding, but the lady told me it would be cash advance. I am using Barclaycard which in my experience has not coded cash advance in an circumstances like this. Can someone comment on this. The CU is Dane County Credit Union.

  17. Jay says:

    UFB Direct only allows a $100 initial deposit maximum when funding with a credit card. Before funding my new account, I called Chase Southwest Customer Service and asked them to set my cash advance limit to $0, however they told me the lowest cash advance limit they can set it to is $20. Hopefully the transaction will be declined if Chase tries to process the initial deposit as a cash advance.

  18. James says:

    Does Amex or any other cards work with Wells Fargo? I saw it was blank on cards that worked.

    • Paul says:

      @James, no on Amex and yes on other cards. Amex is not even an option when you get to this stage of the process.

  19. Stephanie says:

    Just tried to use my Barclay Arrival Plus card to fund a chase bank account and it posted as a cash advance 🙁

  20. Andrew says:

    Used a baclaycard arrival plus to fund a TD bank account and charged as a cash advance after having Santander, PNC, and Citizen’s Bank funding coded as a purchase. oops! but not too big a deal as it was limited to $300 funding so only resulted in $15 fee. Strangely, when I sent them a secure message a while back asking for my cash advance limit to be lowered to $0 they, like AMEX, told me it was tied to my overall credit limit and could not be lowered. Gonna send another message I guess…

    Was wondering though, in your experience is coding a funding as a cash advance vs. purchase more bank or card specific (not counting citi which seems to code more as cash advance) or just a total crap shoot?

    Thanks for all the work on the great site btw,. Really appreciate it.

  21. Chuck says:

    Like Andrew, I can cofirm that Barclay Arrival processes Santander as a regular purchase and earns points. Not a cash advance.

  22. Helixcon says:

    Funding Wells Fargo with Barclay Arrival posted as a purchase.

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  25. mk712 says:

    Data point: funded a new Wells Fargo and a new Santander checking account with my CSP, $500 each, neither posted as CA.

  26. Steve says:

    Data point: Used CapitalOne Quicksilver card for initial deposit to a Chase Total Checking. *Did* count as a cash advance.
    I got the charges reversed by calling customer service, but ymmv.

  27. golf7 says:

    lake Michigan credit union was successfully funded with a chase sapphire Prefferred with no cash advance fee. I funded around 4950. This was about 12/10/14 timeframe

  28. Kevin says:

    DP: TD Bank can be funded with a credit card up to $300. Barclaycard arrival+ coded as a cash advance though.

  29. Oscar says:

    Question! If I plan on funding a checking account with a value more than my cash advance limit, is it still necessary to call and have it set to zero? Wouldn’t it get declined either way if the bank doesn’t code it as a purchase since it’s over my cash advance limit?

  30. Clem says:

    Data point: Digital Federal Credit Union allows credit card funding. I used CSP, transaction was initially denied (fraud alert). So I called,CSR who said that it’s cash advance. I proceeded to fund it anyway with CSP and now it’s been posted as a purchase.

  31. JOJO says:

    First Merit allows credit card funding up to $10,000

    • Thanks JOJO, what cards were accepted (e.g Visa, MasterCard, AmEx??) and have you funded your account yet? If so what card did you use and did it count as a cash advance or purchase??

  32. JOJO says:

    Had no problem funding Radius Bank with $17,000

  33. elaine says:

    I was wondering if anyone has tried funding a Chase checking account with an American Airlines Mastercard? Was it a purchase or cash advance? I will call AA Mastercard to try and get it set to zero.

  34. ColinC says:

    Bank of America cash rewards $5000 to LMCU last august coded as financial service.

    Cash advance limit was $1000, still to this day can’t get a CSR to set it to $0

  35. gary says:

    Bank of maine limit is $500, i went through the process but did not submit the applicaiton once i saw the low limit for credit card funding

  36. Alex says:

    I just opened an CITI gold for 30k AA miles. I funded this account with my Chase United card. Chase coded this transaction as cash advance and charge me a huge fee.

  37. ColinC says:

    Sallie Mae Mastercard funding Chase account counted as cash advance

  38. Charles Li says:

    Has anybody ever funded a bank account with an amex gc?

    • bob says:

      i have – BMO Harris takes Amex GC’s. Open a checking account, DD $250 to keep it free, then open as many savings accounts as you want. To keep them free, you have to call/chat with them and set up an “auto-save” of at least $25/mo.

  39. Brent says:

    FYI, I successfully funded a Citigold checking account with my Barclays Arrival card for $75,000! As long as you have the credit limit, you’re good!

    • Brent says:

      Considered a purchase. 2.2% cash back!

      • Paul says:

        @Brent, congrats, but your statement of 2.2% cash back is a bit off. You cannot get cash back at the 2.2% cash back rate because it is only reserved for travel related credit. The 2.2% would only work for getting a statement credit on qualifying purchases made.

        • Fiby says:

          That’s incorrect Paul. When Brent charged $75k to his Barclays Arrival, he earned 150k Arrival miles. As long as he redeems those 150k miles against travel charges on his credit card, he will be earning 2.2%.
          He doesn’t have to use the 150k miles against the Citigold charge. That would be a poor use of his miles, because he would only get 0.5 cents per mile on that redemption.

          • bob says:

            And the best part – if you don’t have Travel Purchases to redeem your balance for, you can make a Refundable (Free Cancellation!) reservation at HotelClub.com.

            As long as you choose the Free Cancellation option, you can wait a few days (until the Hotelclub purchase registers on your Barclaycard Arrival +), then cancel it, and the purchase comes off your BA+ – but REMAINS on the list of Travel Charges that can be “redeemed”.

            So, you can essentially manufacture “travel purchases” to redeem your 2.2% Do that math beforehand and make sure you have a large charge (for the 2%) and a smaller one for the 10% backwash.

    • $75k is a pretty massive credit limit, haha. Thanks for the data point.

    • Kalboz says:

      How did the funding appear on your Arrival statement?

    • Jay says:

      WOW! You have balls lol

  40. Krish K says:

    I opened a Citigold account thought of funding with chase freedom & chase treated the tranaction as as cash advance . As I don;t have enough cash advance limit it was rejected.

  41. Jason says:

    Data point: UFB Direct Checking: Initial Fund max is $100, Chase Freedom doesn’t count as a cash advance.

  42. Jenny says:

    I tried to set my cash advance limit to 0 but the customer service said they can’t do that. I only have a cash advance limit of 1,000 but available credit limit of 10,000. If I tried to charge 10,000 to fund a bank account, they should reject it if it is counted as cash advance. So, I can safely try and see whether they will reject it?

  43. Kalboz says:

    RE: Funding Citibank account with Barclays CC

    Is it also possible to fund an existing Citibank account?

    Thank you!

  44. grif says:

    PNC – US air is a cash advance

  45. Jason says:

    Are there any data points for Citi utilizing the Barclays US Airways card?

    I also tried to lower my cash advance limit to $0 and they would not let me and don’t want to take the hit. I tried via secure message and called 2 reps and they all said it wasn’t possible. They explained that they could not because the cash advance limit is baked into the total credit limit.

    Any tips?

    Additionally, has anyone had any luck in getting a $100 credit on the Citi Prestige card after they’ve already had the card? I received the card last month and would certainly welcome a $100 discount if I can get it.

  46. Adam says:

    Data Point:

    I attempted to use my Barclay USAir card to fund a new Citi Gold account and it was denied, as the charge was being treated as a Cash Advance (I had set the Cash Advance limit to $1) not a purchase.

    🙁

    • Jason Beinstein says:

      @adam That’s unfortunate. I may give it a try, just for shits and giggles. The US Airways card has a promotion starting in March where you get 50% points on purchases. Keeping my fingers crossed and hoping for the best!

    • Remy says:

      Interesting. I just funded with a USAir card in an amount almost 3x my cash credit line (didn’t lower it beforehand), and it appears to have gone through- the money is in my Citi account. Fingers crossed that it posts as a purchase!

      • Make sure you let us know if it does.

        • Remy says:

          Looks like a purchase!

          “MERCHANT CATEGORY: FINANCIAL INSTITUTIONS-MERCHANDISE SALES”

          Like I said before, I funded almost up to my CL in a amount 3x the size of my cash line. FWIW, I applied for the citi account online and faxed in the paper cc auth form. Took about 2 weeks from the date I first applied with CIti for the load to happen.

          The total is showing under rewards earned, as well. I expect a 50% bonus through the Barclays promo 🙂

          • Jason says:

            Looking good thus far in the initial stages.

            I faxed over the paper CC auth form, just as Remy did. Except it only took me a few days to see the transaction appear.

            I now have a $9k temporary auth in my US Airways Barclay Card, which is more than double my cash advance limit.

            Will keep you posted on how it all turns out.

          • Please do! Goodluck with it.

          • Jason says:

            Confirmed that I was able to fund the Citibank account w/ my US Airways Barclays Card and it did not show up as a cash advance.

            It showed up as:

            “MERCHANT CATEGORY: FINANCIAL INSTITUTIONS-MERCHANDISE SALES”

        • Remy says:

          Followup: Statement posted today and I have the miles in my account! Great success!

  47. deppilf says:

    Do any of these banks offer a 30 day/1 month CD that can be funded with a credit card? If you open these bank account and fund them with a CC how soon are you closing these accounts? How many can you open in a years time?

  48. jakolu says:

    Funded Radius Bank checking account with $1000 with Citi Double Cash. Posted as a purchase (within last week).

  49. Michelle says:

    I can confirm provident cu opened with $1000 initial load using Barclay arrival + posted as purchase.
    Posted as : MERCHANT CATEGORY: FINANCIAL INSTITUTIONS-MERCHANDISE SALES

  50. blake says:

    Tried to use Citi MC with cash advance set to $0 to fund Santander, and it wouldn’t go through. Guessing either Santander won’t take business cards, or it would have indeed been a CA (at least initially) had my limit not been $0.

  51. Fiby says:

    I can also confirm that Santander and PNC do not charge a cash advance when using the Chase Freedom.

    The Barclaycard Arrival+ doesn’t charge a cash advance for BMO Harris.

  52. Craig says:

    I opened the Citigold 30k AA mile account and successfully made an initial $12,327 deposit with my Barclays US Airways Mastercard (which earned 1.5 miles per $).

    Heading to Cuba through Cancun later this year – looks like I’ll be doing it in business or first class instead of economy!

  53. TheCaesarCypher says:

    Hello All,
    It might be a good idea to password protect this entire page or move it to the newsletter 😉 Sensitive information an all that.

    • It’s not really sensitive information, the cost of processing CC funding for banks is relatively low and their customer acquisition costs are relatively high. We purposefully don’t post small banks that allow high CC funding as that has caused issues in the past but everything listed here should be OK.

  54. Mike Tw says:

    Hi – What about funding an account using prepaid gift cards (Visa / MC) – anyone know which banks this would work with?

    Thanks

  55. Elliot says:

    I didn’t see any mention of funding an AmEx Personal Savings account here. I just called and was told that AmEx doesn’t accept credit card funding for its Personal Savings. Is there any contradictory data out there?

    I’m trying to be strategic and “kill two birds with one stone” when opening these accounts so as to open checkings/savings accounts with banks I also want more credit cards from in the future. It seems having checkings and savings accounts with the banking side of that card issuer can sometimes be used as leverage on recon calls and other special requests.

  56. Kalboz says:

    Is there a list of credit cards that accept debt cards for payment made over the phone?

    Thanks

  57. Paul says:

    Data Point:

    Wells Fargo Savings and Checking accounts (maybe not all but the two I opened) allow up to $500 of funding via a Visa or Mastercard (these are the only two options presented). I used my Chase Ink Business Visa multiple times with NO cash advance charges. I also do not have my cash advance limit set at $0.

  58. M.K.T says:

    Hi – Shouldn’t all debit cards automatically work for any bank that accepts debit card funding? If so any debit card that that gives cashback (such as PayPal Business Debit Card) should work.. Is this correct ?

  59. Andrew says:

    Funding a citibank gold checking account with capital one Quicksilver will not work, Capital one charged it as a cash advance, saying it’s because the merchant put it as a cash advance. Citi bank assured me it would be a purchase. Don’t know who is telling the truth. Citibank agreed to refund the transaction.

    • DebtDestructor says:

      I also tried using Quicksilver by CaptitalOne, CITI tried to force it through as cash advance, it was declined thank god because I had my cash limit set very low.

      • bob says:

        same with Spark. No-go, b/c i had my cash limit set to $0.

        also, Citi Hilton Honors (not Reserve) failed to clear – again, cash limit set to $0.

  60. DebtDestructor says:

    How is using credit card to make deposit into bank account a good idea?

  61. MilesCollector says:

    Hi, I’m interested in opening a citibank checking account. I don’t have enough CC limit to fun the citigold account, so I was hoping to open the basic banking package. Can I fund this account using my TWO barclaycard I have. Arrival has 10K limit and USAirways has 15K limit. This way I can get 2 points on both cards and use them for travel purchases later. Any thoughts?

  62. German says:

    Used the USAir card to fund Chase and got charged the cash advance fee 🙁

  63. J says:

    Charged $7K using Barclay US Airway card on April 8 for Citigold successfully. It was not post as cash advanced.

  64. Kyle Keen says:

    Any idea on the gift card being used to fund the checking account? I just received my AA citi card so I need to start working on the spend requirement.

  65. TxAg says:

    Thanks William. Used US Airways card to charge 14k to new Citigold account and it posted as a mortgage payment.

  66. Albrecht says:

    Funded Regions with Capital One Visa and it went as a purchase. Same with Chase Freedom.

  67. J T says:

    Provident CU max total deposit by cc is only $1000, not $3000 as stated on the front page of the online account application, not $5000 as noted here at DoC. I opened the RCA and (mandatory) savings accounts. Speculation: maybe the initial funding total would have been higher if I had opened an IRA or CD at the same time, or if I had opened a different checking account, or if the funding had been by ACH from outside checking/savings. CSP pending transaction as purchase, no change in CAL.

  68. TL says:

    My US airway card got charged a cash advance fee… how do I now pay it off…

  69. Daniel says:

    I can confirm that Barclays Arrival+ can fund up to $500 for opening a Wells Fargo checking account and posts as a purchase.

  70. MJ says:

    I tried funding the account with US airways as well but talked to the representative and was informed that it will be charged as a cash advance. Dont think this will work.

  71. DavidAAmaster says:

    Confused with all this talk. If I have a $12,500 credit limit on my account and charge 10 grand On US AIRWAYS card for opening deposit for a Citi Gold account, than it won’t be counted as a cash advance? Are the people that DID get charged one, charging over there credit limit in the first place? You have many people saying No cash advance for using US Airways card for CITIGOLD accts, but a very small amount said it did code as a cash advance. Really confused. Also, check this out, I was able to call Barclay and have them set my cash advance limit to $1 (thats the lowest they will go) On the other hand, my dad (who is attempting the same thing as me) called and they said they “CAN’T” decrease his cash advance limit. He then told them he wanted it done, because he never wants to “accidentally” get charged one, and the Barclay rep said, “oh, the only way you would get charged a cash advance is if you gave the merchant your 4 digit PIN code. Otherwise, it just won’t work at all. Hope everything works out for both of us are making huge opening deposits to Citigold accts, BUT are still a grand less than are total credit limits. ANY feedback would be great! Hope we all learn something from this

  72. Jason says:

    Data point: Opened UFB Direct checking acct on 4/15/15. Funded the max $100 via USAirways MC (AviatorRED) and it went through as a purchase.

  73. WorldTraveler says:

    Any data points with funding a Suntrust checking account with a Discover card?

  74. DebtDestructor says:

    I funded a new account at Lake Michigan Credit Union, with $4800 on my Chase Double Cash Mastercard, it was a purchase, no fees of any kind, 2% cash back earned,was $96.

  75. DebtDestructor says:

    America’s Credit union DOES NOT offer the option to fund a new account with a credit card online. This bank should be removed from this list.

  76. Eric says:

    Citi can let me fund any amount within 30 days after opening. So I can earn unlimited AA miles with USairway?

  77. David says:

    Does anyone have experience funding a Citi checking account with PNC credit card (PNC CashBuilder)?

  78. DebtDestructor says:

    I asked PNC Customer Service if Oregon residents can open accounts, they said yes. PNC Bank took my account application online, I funded $2k on credit card for the new checking account, it posted as a pending transaction purchase. They turned down my application, and removed the credit card charge, saying there was not a local branch near me in Oregon so I cannot open account.
    I’m sure there is another reason for the denial…. bankers are liars.

  79. TxAg says:

    According to the page linked below, you can fund Bank Direct with a credit card. Is there a reason you said it can’t be funded with a credit card? Thanks

    https://www.bankdirect.com/clientsupport/helpqa.aspx?q=3

    • Probably somebody said that it didn’t work or similar, have you tried before? What was limit? What card did you use? Cash advance? Happy to update if the info is wrong!

  80. BeyondtheWrap says:

    You didn’t have many data points for TD Bank, so I decided to do a test myself on 5/4/2015. I funded with a Capital One Quicksilver. (At first I was worried because on the confirmation page, TD said the charge would show up as an ACH transfer.) The transaction codes as Other Services – Personal Services and it did earn cash back.

  81. Yan says:

    Does the funding of Citi Gold have to be in one transaction or Citi will give me a certain period to fund as many CC transactions as possible?

  82. Mark says:

    Has anyone tried funding a Citigold account with a citi credit card like Prestige/Premier? I imagine it would be awkward for the bank to charge a cash advance for funding their own bank account.

  83. Kerry says:

    I have accounts with First Merit in Michigan and I currently live in Florida. I called to see if I could make a deposit over the phone and they said no because they need signatures.

  84. Elliot says:

    I successfully funded $500 opening deposits on a new U.S. Bank checking accounts and savings account using a Chase British Airways card. The transactions posted as purchases, earned miles, and counted toward my minimum spending requirement.

  85. kampung says:

    I’m also curious to know (and confused) about funding Citigold acc with US airways CC. The account has been opened for 10 days and waiting for my funding of the account. I’m nervous about US Airways as recently they charged a CA for gift card purchase on cardcash which is a first since i often buy from them using other cards and never been charged a CA. Had to called Barclays CS to dispute. Initially CS declined but after requested for a supervisor, managed to get the charge reversed. My CA limit is 4k and they didnt allow for the limit to be reduced without reducing my credit limit.

    So on a worst case scenario, if i do charge 6k (CL is 10k) to fund Citigold and get charged a CA, is there a good chance to have it reversed since its a not a true purchase?

  86. Ziju says:

    FYI, I managed to fund a citi checking account with my BOA travel reward card for $12900 and got %2.65 cashback.

  87. Helixcon says:

    $1200 funding of PNC account processed as purchase on Chase MileagePlus Explorer.

  88. Murtuza says:

    Do you need to open the CitiGold account online only to fund with CC? I try opening up the account online and when it reaches the page to select funding, when I select using Credit Card, the application errors out. Any one with recent experience?

    • Justin says:

      Same thing happened to me. I stopped by a branch to finish out the application in person the next day. Went all the way through the set up and at the end asked when I could fund the account with my card. Banker said she was never given the option to fund it. She called a CSR and was told you can only find by credit card when signing up online (which I think is bullshit). I pulled up the paper that is given to fund by card when signing up online. We printed it out and filled in my new account number and I put my US Airways card info down, and the banker faxed it to the number provided. It has been 1 day and it hasn’t funded yet. Hoping it does by tomorrow or I’ll be pissed. I’ll still get the 30k eventually but I was really hoping for another 15k by funding with the US Air card.

  89. Pingback: Free manufactured spend. What’s left? - The Frequent Miler

  90. AAMILESGALORE says:

    Open my Citi Gold Account and funded with my MileagePlus Explorer for $1000. Work as normal charge.. Can I refund the same account with a CC?

    • No, you can only fund once.

      • Kurt says:

        Pretty sure the only reason why this went through was because the card CA limit was higher than 1k. So it probably initially was pending as a CA then once it posted it became a purchase. That’s why when people use there Chase card for their entire limit it fails since it is higher than their CA limit. My opinion here.

        • Dale says:

          I have noticed that whenever I load my Serve with my CSP, it always posts as a purchase, but the pending amount if remove from my CA limit. Perhaps this is related somehow? It just pulls from the limit but still posts as a purchase?

      • Mark says:

        I just opened a Citi Savings account online. I was told I could add additional deposits from different cards up to 30 days. 60 days for checking account.

        Within the process, they request that you sign and fax the details of the card you would like to use if you would like to fund the initial deposit. This would have stalled the application till it was sent.

        I funded the account online with my checking account for $100.
        Will see if I can add more by a card or cards up to 30 days.

        I will be using my B of A Business cards.

        • Mark says:

          I have some the info wrong.. here is the chat response:

          You: so I can make a deposit and make another with an additional card?
          Bill: Of course you can, Mark.
          You: Is this a one time option or may I add funds later also?
          Bill: You will have certain time period to fund the account depending upon on the type of account you open.
          You: How much time for your basic savings account?
          Bill: For a checking account, you will have 45 days and for a Savings account the minimum opening deposit is $100.
          Bill: You will have 30 days to fund the rest of the amount.

        • Let me know how it goes.

          • Mark says:

            Hi William,

            After setting up my savings account, I looked for a way to fund the account.

            Turns out after calling and speaking to a supervisor you can NOT fund the account with a credit card after the initial application.

            You are correct, you can fund it with your initial first funding.

            I asked if I can close the account and re-open with another application and was told. Sure! That’s fine.

            The initial funding was from my bank account.. it shows “pending” so I will wait till that clears before I close it.

            Per the chat text above that said I can use multiple cards and have 30 days to add funds, it appears its still just for the initial funding.

            I will try to use 2 B of A business cards and let you know the outcome.

          • Mark says:

            Hi William,
            Here’s my latest discovery. It turns out that you have to have a DL or a state ID for the Citi Savings account. I didn’t see that at first. I’m overseas and used my passport instead. I just got told the account would be closed.. I was going to do that anyway… BUT you can open the account with a passport if you do the application by phone!

            Here’s another question for you.. You may have posted info about Plastiq.com — it states on their site:

            What card brands does Plastiq accept?

            MasterCard, Visa, and American Express credit cards are accepted for nearly all Plastiq payments. In rare cases, certain cards may not be available for some businesses based on their request or circumstances, and you will be notified at time of payment.

            Here’s what I did:
            I had my girlfriend create a Payoneer account open thru AirBnB ( I think they waive the yearly fee.. not sure yet )
            In Plastiq i sent her $5 as a test, charged it to my bank card.. it said it went through and it will take a few days to get to her. My WellsFarge statement displays:
            07/22/15 PURCHASE Plastiq* $5.00 + $.13 for the 2.5% processing fee.

            Payoneer provides a USA account to deposit the funds to
            which I used as she lives in the Philippines. If the funds process she can deposit them to her Philippine bank account..

            It would appear if you could have a trusted friend accept a payment from your card/cards this would be a way to get the spending requirements.

            Will let you know how this turns out..

  91. bobwatkins says:

    club carlson works too – x5 is awsome!!!

  92. Funded First Merit Bank with $2,000 from Chase Sapphire Preferred. Coded as purchase, earned points.

    Though, the initial withdraw took about 12 hours as opposed to instantly with most other banks.

    • Thank you, just added your data point.

    • Kevin says:

      Tried today for $10,000. Coded as a cash advance with Chase Sapphire Preferred. No way to code as a purchase per branch manager.

      • Ariel says:

        You know that it was coded as a cash advance because it went through and you had to pay the fee? Or did you have the cash advance limit set to less than $10,000 and so it rejected it automatically? Thanks!

    • Michael M says:

      I funded First Merit with $10k from Chase Sapphire Preferred. It coded as a cash advance despite having set my cash limit to $100.

      I was able to call Chase to credit the cash advance fee by citing my prior reduction of the cash limit. How is the cash limit is supposed to function given that this charge happened?

      • Stephan says:

        Same happened to me yesterday. Limit on Reserve Card is $100. Funded $10k and got hit with $500 fees + interest.
        Was told it is some kind of loophole that allows this bank to bank transaction despite low limit. Got instant refund of fees and account noted to get interest back once it posts.
        Of course now it does not count towards minimum spend and does not earn UR points.
        Basically just a waste of time and a learning experience 😉

    • Jerry says:

      Funded FirstMerit Reality Checking with $6k from Citi AA Plat. Coded as a purchase.

  93. Anton says:

    US Bank: American Express Platinum runs as cash advance up to $500
    BMO Harris: American Express Platinum runs as purchase up to $1k
    Radius Bank: Wells Fargo Platinum Checking runs as purchase up to $1k

  94. John says:

    Can I fund my wife’s Citi Checking account with my credit card?

  95. Sam says:

    Plan to fund newly opened citibank citigold acct with Cap1 venture 2% card. Any data point that it’s going to be CA or purchase?

  96. Chris says:

    Any thoughts on funding a personal checking account from a sole-proprietorship business card?

  97. Jeremy says:

    Datapoint: Funded Citigold checking with Barclays US Airways card (they haven’t given me my Aviator card yet). My CL was 22.5k and I faxed in the form for 20.7k. 5 business days later the amounts posted.

    Couple noteworthy things is I tried to call in advance to set my cash advance limit to $0 and they said the lowest it can be set at is $1 (assuming this is a system limitation).

    Additionally I tried to call in advance to set a purchase warning (used the credit line and got xferred to the security area) and they made it seem like they don’t put pre-authorizations out there, but would call me if anything suspicious came up. I never received a call from them and it all went through fine.

    • Sam says:

      Did you try to bill pay from Citigold back to the credit card?

      • Jeremy says:

        Haven’t gotten the bill for the CC yet (so that points can get credited) but that is what I intend on doing.

        • Robert says:

          Jeremy – I’m planning to go the exact same route you just did. Were you able to billpay from Citigold to your US Air card? And did you get the full 20.7k miles from spend?

  98. Grant says:

    Funded First Niagara checking with Barclay Arrival and it WAS treated as a cash advance. Oh well.

  99. Matthew says:

    Just tried to fund a Wells Fargo checking account with my Arrival+, set my cash advance limit 0, I was unable to get it to work.

  100. John says:

    Anybody tried to fund citigold with Fidelity AMEX card?

  101. Ethan says:

    Data point: I just recently opened a Consumers Credit Union Account and funded it with my Chase Hyatt card for $700. It went through as a purchase. I originally wanted to use an American Express card, however, that option was not available.

    Also, there was a hard inquiry associated with opening this account, which I was not aware of when I went to open it.

  102. Yan says:

    Data point: funded Citigold with Barclay Lufthansa card. 12k/13.5k credit limit. Actually i did it while calling the customer service for an issue with PIN and was told she could take care of credit card funding (so no fax in the form). Somehow i had a feeling CC funding could be done more than once but did not try for myself.
    12k posted as purchase a day or two afterward, and all miles are credited on statement date.

  103. JamesIV says:

    Data point: Funded Santander $500 with Bank of America Alaska card

  104. Thom says:

    Lake Michigan Credit Union (LMCU) – opened with $4830 deposit ($4800 deposit, $25 donation, $5 savings deposit), coded as BUSINESS SERVICES,NOT ELSEWHERE CLASSED with newly opened Citi AAdvantage Platinum. Prior to registration I called in and asked about funding limits, I was told it’s $5,000 max.

    • Thom says:

      I actually just received a notification of TU hard pull from LMCU. I specifically asked about hard pulls when I phoned them before opening the account and they said a checking account would result in a soft pull only. I opted out from overdraft protection (which I was told results in hard pull). I will investigate further …

  105. David says:

    LMCU with chase ink plus codes as purchase? I would like to use it to meet minimum spending threshold (5k). My CA limit is $1.

  106. DJ says:

    Data Point [CitiGold acct fund w/ Barclay US Airways]: Opened CitiGold bank account via phone for a AA 30K bonus offer. (Recv’d an error when I tried to apply online). Recv’d packet in the mail within a week that said to call the 1-800 # to fund the new account by credit card (or other means). Called the 1-800 # today and made initial funding of account using Barclay US Airways card ($2,300). (Had previously called Barclay to have them set the cash advance limit to $1.) Nothing mentioned during the call about faxing authorization. Waiting to see if transaction goes thru as a purchase.

    • DJ says:

      Update: The $2,300 transaction from funding the CitiGold account with my Barclay US Airways (now AA Aviator) card on 9 June is now showing up as a ‘purchase’ in my account.

  107. HG says:

    What is the difference between if you opened it up online (as I did) and if you opened it up on the phone (for a Citigold account)?

    And does any of this work for other types of checking? (Citibank)

    How about savings accounts? (Citibank)

  108. HG says:

    Also, was just told I couldn’t fund the Citigold account I had made today with a credit card (flatly) by an agent on the phone…?

  109. Andy says:

    Data point: Funded Regions Bank with Chase Sapphire Preferred and Chase United Explorer, coded as purchase and earned Ultimate Rewards and miles

  110. SD says:

    BarclayCard Arrival+ funding Citigold still working — just funded new Citigold account with Arrival $10.4k on a $12.5k credit limit (set cash advance limit to 0). 20.8k Arrival miles posted almost instantly. Took 8 days from faxing credit card authorization slip & driver’s license (for proof of address – Citigold account opened online) for funding to go through.

  111. Miro says:

    [Datapoint] Barclays Arrival Plus coded as Cash Advance for U.S. Bank initial account funding (or would have if I didn’t set it to $0).

    • Miro says:

      Please delete this comment. This was at a Branch. Just opened a Savings account with US Bank using Arrival+ and it coded as purchase.

  112. Kurt says:

    I funded both my citigold checking and my citi savings account with my Barclay arrival+. Couldn’t I close my savings account and then open a new one funding this new account? So essentially it would be a cycle…1) open savings 2) fund savings 3) transfer money/bill pay 4) close savings 5) repeat. This would be attached to my Citigold checking account; I’m pretty sure they don’t pull Chexsystems if you have an account already open (based on my own experience).

    • Thom says:

      What’s the process of opening a savings account? Could you do it online and then fund it with cc online? Or do you have to fax in the credit card funding form?

  113. J T says:

    Funded Citigold checking with Arrival+ for 11k, posted as purchase with miles. I have been unable to get Barclays CSRs to lower my CAL over multiple calls, it’s stuck at 40% of CL.

    For those trying to open this account online with the WCTERY9FPS code and getting an error message: I got one as well that gave a number to call in. I can’t remember if I refreshed the page or hit back button, but the online application continued without a hitch after that. Faxed in CC funding form.

    • Compeek says:

      The CSRs at the number on the back of the card will tell you it’s not possible to change the cash advance limit. Call the recon number instead, (866) 408-4064, and they’ll do it for you. I asked them to set all three of my cards to $0 and it was maybe a two minute call.

  114. HG says:

    How do you guys know how/when you are able to fund the account via CC?

    I faxed the form in and am not sure what I’m waiting for….

  115. Ben says:

    Data point: I funded the Santander account with $500 with a credit card (Wyndam Rewards Card issued by Barclays) and was not charged a cash advance fee.

  116. Astoriano says:

    Does anyone know if US Bank credit cards will charge a cash advance? I need to spend $2500 to get my bonus miles on the Signature LanPass Visa. I called US Bank to lower the cash advance limit, but they said it’s impossible, so mine is stuck at $4250.

    Are there any banks that allow an initial deposit greater than $4250, other than LMCU (don’t want the hard credit pull) and Citigold (don’t want to deal with monthly fees)? Thanks!

    • zjts says:

      Does funding a US bank checking account with a US bank cc post as a purchase or cash advance? I’ve asked in 3 separate calls to US Bank reps if funding USBank checking with a US Bank credit card would be a purchase or cash advance. 2 reps said purchase, definitely, 1 said cash advance, definitely. Anyone have a real life experience?

  117. Elliot says:

    A $1,000 savings deposit (plus $5 mandatory ALS Foundation donation required for credit union membership as a non-Michigan resident) charged to my Capital One VentureOne coded as a purchase for Lake Michigan Credit Union (LMCU) on 6/24/15. Moreover, the transaction met my minimum spending requirement on the card and earned No Hassle rewards.

    Some other considerations:
    – LMCU pulled TransUnion, which was worth it for me because TU is rarely pulled where I’m from in California.
    – An LMCU representative told me by phone that they don’t make Chex Systems inquiries, which is good for people like me who aggressively apply for new bank accounts.
    – The LMCU rep also said the maximum credit card funding is $15,000 per account, which I didn’t verify.
    – The day after I applied I was able to log into my LMCU account, and see my opening deposit had cleared.
    – My CapOne VentureOne sign-up bonus and points posted the same day the LMCU transaction posted!
    – I called CapOne before I initiated the deposit funding to put a “high-dollar notification” on the account.

    Overall, LMCU seems like a fantastic option for MS and meeting min. spend because:
    – Residents of all states can open accounts.
    – Most card issuers don’t seem to code LMCU bank account deposit funding as a cash advance.
    – Whatever the actual limit is, the maximum amount of account funding by credit card seems to be one of the highest of all banks.
    – Though they do pull TU, they apparently don’t pull ChexSystems.

    • Miro says:

      They told me the CC limit was 5k … I wish I knew it was higher. They’re super nice though, I phoned them, asked about hard pulls, there was a bit of confusion I guess and I misunderstood the support guy, later disputed the HP via email and they were really amazing and went to listen to that phone call and said that I misunderstood and the rep but still asked Transunion to remove the HP as a courtesy.

    • garyy says:

      I opened the lmcu online with 15,000 with bofa card . it counted as a purchase. It did take a while to open. even though i opened online they wanted me to sign the application and they said they had to mail it to me. they also asked for copies of several id’s. They did pull TU even though i only opened the saving account

  118. Steve says:

    US Bank Checking Account opening, paid with Discover IT. Shows up as a cash advance.

  119. shoobi says:

    Just opened OceanFirst Bank checking account funded 2000 with citi premier card, set cash advance to 0 before the fund. awaiting results.

  120. Miro says:

    Datapoint. US Bank savings account funded with Barclays Arrival Plus ($500), coded as purchase. Chase IHG card didn’t go through, I assume they tried to run it as cash advance.

  121. shoobi says:

    ok, another data point. tried funding citigold checking with $8000 from chase ink cash, it was declined because it came up as cash advance and exceeded the CA limit.

  122. Siege says:

    Long time lurker, first time poster. Thanks for the amazing, informative, and most unbiased posts and articles DoC. And h/t to the community for adding their data points. Here’s mine for the Charles Schwab High Yield Checking Account from chatting with a CSR:

    “We are actually not able to fund an account using a credit card, but we can create links with external accounts, such as bank or Brokerage accounts.”

  123. Siege says:

    Here’s another data point for Ally Bank from chatting with a CSR:
    “You will not be able to fund the accounts with credit card however, deposits can be made with an electronic funds transfer (also known as an ACH debit transfer) from another bank, which takes 2-3 business days.

    You can wire transfer funds into your account, which typically takes 1-2 business days depending on the institution.

    You can also mail in a check or money order. For these we typically ask 5-7 business days for us to receive them in the mail.”

  124. Compeek says:

    I’d like to add two data points for the past week (July 2015):

    1) I funded a U.S. Bank savings account (Package Money Market) with $500 from my Capital One Quicksilver, and it posted as a purchase and earned $7.50 in cash back. I’m unsure what my cash advance limit is.

    I intended to fund a checking account as well, but I messed things up with the application and then my card was declined for a fraud alert when I went in branch to do it, so I ended up just writing a check instead.

    2) I funded a Citibank checking account (Citigold) with $5,500 from my Sallie Mae MasterCard by Barclaycard, and it posted as a purchased and earned 5,500 points. My cash advance limit is $0 or close to that.

  125. john says:

    more data points.

    was able to fund citigold checking with 30k from bofa cash rewards card and 1k into provident CU with cap one sparks business card

    both posted as purchase with rewards

    • Compeek says:

      Man, I wish I knew that last week because I wanted to use my BofA Cash Rewards for Citigold since it was a higher limit than the Barclaycard one I ended up using, but I just wasn’t sure it was safe since all of the other BofA data points are about other cards. Oh well.

  126. zjts says:

    anyone fund (as a purchase) the US bank with bofa cash rewards card or BofA business credi tcard or any business credit card?

  127. zjts says:

    Any experiences with Bank of America personal ccs or small business cards (from any bank)
    Any for us bank cc funding?

  128. M M says:

    Datapoint:
    US Bank:
    Discover: Did not work (cash advance set as 0)
    Chase Freedom: Worked for $500. Marked as sale

  129. zjts says:

    thx, these datpts are great. I wish someone had some for bank of america & US bank personl & business credit & charge cards

  130. Erik says:

    I tried to fund a Wauna Federal Credit Union account with both Barclay Arrival+ and US Bank Club Carlson and both got denied because it was coded as cash advance, not purchase.

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  132. I can confirm that I funded a US Bank checking and money market account ($1000 total) with my Alaska Airlines Visa and it went through as a purchase (I also reduced my cash advance limit to $200 – they couldn’t bring it down to $0, but did assure me that if I did try to do a cash advance of greater than $200, it would get declined).

    • Kay Ng says:

      Tried to do the same today and got a declined message online. Looks like can no longer use Alaska Airlines visa to fund a US Bank checking account.

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  134. Travelmom says:

    If you already have a Citibank personal account, can you open a “new” Citigold account and fund with a credit card? Or do you have to be a totally new customer?

  135. Travelmom says:

    FYI…tried Fifth Third today and they said no credit cards. They can only run as a cash advance.

  136. DebtDestructor says:

    Elevations Credit Union is for residents of COLORADO only. They quickly closed my account after I had opened it online. (The website let me open it online from Oregon). I funded with credit card for $7000, and it was a purchase. However, they refunded it a few days later. Someone might try this: Open a new account with up to $10k on a credit card, then report your credit card lost and get a new card number, then the bank can’t refund it… they would have to send you a check. Would they deduct the credit card processing fee?

    • losingtrader says:

      Not a particularly good idea, and they will refund to the new card number anyway, if they don’t automatically send a check.
      Wire fraud statutes are so broad I was quoted the following by a defense attorney::
      They encompass “any fraud the mind can imagine.”
      If you think you can define what is legal vs, what might be questionable, then go for it.
      I’ll stick to waiting for the next ridiculous deal.
      I wish I had maxed out 2 cc’s with Citi. i sort of wonder if you can have a second savings account you fund by credit card.
      I transferred the cash to an investment account there and bought some stock instead of recycling.
      By chance I paid my entire insurance bill by credit card for 2 cars , house, and liability insurance, then decided to change insurers for a big discount. Original insurer wrote a pro-rata refund check even though I charged it.
      With Amex gift cards and plastiq, why would you not just recycle money to yourself?
      Amex is getting their fee and plastiq is getting theirs. Not your problem if Amex is stupid enough to lose money.

  137. DebtDestructor says:

    To save us all time, please tell us what areas each Bank or Credit Union accepts customers, whether it is Nationwide, or only in specific States Cities or Counties.

  138. nick patrick says:

    I funded pinnacle bank $3900 w/ Citi ATT access, no cash advance (set limit to $0)

  139. ad says:

    CSP is purchase for Santander Bank funding (7/16/15)

  140. zjts says:

    I’ve asked in 3 separate calls to US Bank reps if funding USBank checking with a US Bank credit card would be a purchase or cash advance. 2 reps said purchase, definitely, 1 said cash advance, definitely. Anyone have a real life experience? concerning boa cc funding of USBank checking, I read in another forum “when I tried to charge my initial deposit after lowering the cash advance limit to $10, the charge was rejected. “

  141. zjts says:

    Once a cc is declined for funding a USBank checking account, is there an option to fund with a different cc during the application process. If so, was this online or on the phone? tia

  142. Elliot says:

    On July 10, 2015, I successfully funded Wells Fargo with a total of $1,000 ($500 for checking and $500 for savings) in opening deposits using a Barclay Arrival (not an Arrival Plus). The transaction posted as a purchase on my Barclay Arrival and earned 1,000 Arrival miles.

  143. Jan says:

    Opened online USBank “Silver” level packaged checking and savings acct’s ($125+$50 bonus offer) initial deposit $500 each, funded by Barclay American Airlines Aviator card; classified on statement as “USBANK DIRECT – FINANCIAL INSTITUTIONS-MERCHANDISE SALES”

  144. Mattie Fuller says:

    Looks like American Heritage Credit Union’s initial deposit on a card is limited to $500 now.

  145. Rick says:

    [Data point] Opened Citizen’s Bank and funded it with $800 with Chase Freedom. I believe it was counted as purchase (still pending in chase cc). Crossing fingers I get bonus for $200 otherwise I wasted $5 for coupon on ebay lol. However, I did meet the minimum requirements for Chase Freedom

  146. Dan says:

    Data point: Santander Bank: Using Chase Freedom does not count as a cash advance.

  147. ro says:

    Data point – Opened a Chartway Custom Share Savings account and funded this with $1,500 (max amount for CC initial deposit) using my new Alaska Airlines CC. BofA coded this transaction as “purchase”. Success!

  148. Mattie Fuller says:

    I funded AgFed CU and Chartway CU with $1500 each and they posted as purchases on my US Bank Carlson Visa. Still waiting on Radius with a Barclay card.

  149. Datapoint Guy says:

    [Datapoint] Opened Citizen’s Bank and funded it with $800 with Chase Freedom and counted as a sale.

  150. WorldTraveler says:

    Data Points:
    Success: US Bank – funded $1000. Coded as a purchase on my Citi Prestige.
    Success: Regions – funded $2000. Coded as a purchase.on my Barclay Arrival.
    Success: AgFed – funded $1500. Coded as a purchase on my Chase IHG.
    Failure: Citi – tried to fund $7000. Was coming in as a cash advance on my CSP, so it was blocked by Chase.

  151. gary says:

    Suggestion: In addition to stating if a card worked as a purchase or cash advance and $. can you also list as to whether it only works for the initial account opened with the institution or if it would work for additional accounts for existing customers(i.e. a cd, or secondary savings). Lake Michigan credit union which allows funding up to $15,000 only works for the initial membership. additional accounts on the membership can not be opened with a cc

    • Miro says:

      Is this additional accounts such as “savings” or you’re taking about a “separate second” account which has its own application form and one of its tabs is “funding”.

      • gary says:

        additional account is for example, you had opened a savings account and then as a current customer you open a checking account , not a new customer. You still go through an abbreviated application process as an existing customer and it adds to your online account. Lake Michigan does not allow additional accounts on the same membership to be funded by credit card. However, some banks allow a people to have multiple memberships but require you to go through the new membership process again. You will then have 2 member numbers and logging etc..

        • gary says:

          one more piece. when i meant additional account, i meant adding it to an existing membership. there are some banks that do allow this. Elevations CU is one, However, although they don’t state it, you must be a Colorado resident. Otherwise they will decline the app and/or require you to go to a branch to complete the application.

  152. gary says:

    additional suggestion: perhaps column view on the page that can make it easy to read
    such as:

    Count as Purchase:
    Bank/credit union $ limit Credit card Used Initial opening only/Additional a/c’s

    • Yeah, it’s in our plans to do something like this but it would require a complete overhaul of the page and currently don’t have the time to do such a thing. Good idea though.

  153. Dillon Welch says:

    Funded US Bank with Chase United for $1000 and it was coded as a sale (no cash advance)

  154. raks says:

    [Datapoint] Opened Wellsfargo Bank and funded it $450(checking) and $450(savings) with chase sapphire preferred and counted as a sale. Contacted customer care to reduce cash advance to $100.

  155. Chris says:

    Data Point:

    Funded Lake Michigan CU account with $8000 from my Citi Executive AAdvantage Mastercard. Came across as a purchase with a category of BUSINESS SERVICES, NOT ELSEWHERE CLASSED.

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  157. Sam says:

    Any idea how HSBC Premier rewards credit card can be used for funding a bank account ? Does that count as cash advance or purchase ?

  158. AndrewAbroad says:

    AgFed – Just funded with Barclay Arrival+. Assuming it is a purchase as my CA is set to $1.

  159. Denny Tam says:

    Can you fund a bank a/c with credit card after it has already been set up and initially funded with nominal amount of say $1,000?

  160. MrDioji says:

    US Bank: $500 initial funding with Citi HHonors Visa, counted as purchase
    Ag Fed: $1,500 initial funding with Chase Ink Cash, counted as purchase

  161. Craig says:

    US Bank: $500 initial funding with Capital One Venture, coded as purchase

  162. Eric Larson says:

    Some of these banks with large credit card funding, can you still open an account online if you don’t live in the area that the banks service? For example First Merit, First Mark, Elevations, Pinnacle, Blue Hills?

  163. Samara says:

    LMCU: initial funding of $15,000 with a Capital One Spark card. Posted as a purchase (“generic business services”).

  164. physixfan says:

    SPG -> US Bank Checking counted as cash advance. Confirmed.

  165. Fiby says:

    Arrival+ coded as a purchase for US Bank Checking and Savings.

  166. Marshall says:

    William – Great article! I opened a CitiGold account and Prestige CC to get the two sign up bonuses. I requested to fund the initial deposit with my CC’s but they don’t know how to process except for as a cash advance withdrawal and then as a normal deposit. Even the CitiGold specialist was unaware of another way including the “Fax Authorization Form” you mentioned above.

    Do you have a copy of this form or a link you can forward to me? This would be very helpful if the people at Citi don’t find the form.

    Thanks!

  167. Anthony says:

    Datapoint: Called Chase today (8/17/15) to reduce my cash advance limit to $0 (opening a Citizen’s account I plan on funding with CF). They said they could not reduce it to zero; the lowest they could reduce it to is $100. Per the service rep, it is a new policy. Anyone else run into this?

    • Miro says:

      That’s normal. You can message them via online banking and lower it to $20 but some cards have a minimum of $100.

  168. KP says:

    Data point – Was able to fund $1000 to citizen checking account using Citi ThankYou® Premier Card without being considered cash transaction

  169. Anthony says:

    I wanted to provide an up-to-date data point or two here.

    The Alaska Airlines Business BoA Visa codes as a cash advance when trying to fund a Citi account.

    Citi Prestige coded as a purchase “Mortgage Companies-Financial Institution” when funding CitiGold account.

  170. Adam says:

    Funding the Citigold account with a Barclaycard definitely works. I just put through $22,500 on it last Thursday, and my 45,000 points credited last night (Monday). Combined with the 50,000 points I got for opening the Citi Thank You Premier card and the 40,000 bonus points for opening the Citigold account, that’s 135,000 points for a whole 10 minutes of my time.

  171. 8641975320 says:

    Looks like the maximum deposit limit for funds at Arizona State Credit Union has increased to $2500 as of 8-20-15.

  172. Anthony says:

    Opened a citizen’s account in CT. Was told initial funding with a credit card is not allowed

  173. RavenHawk says:

    Funded $2000 into new PNC account with BoA Alaska Airlines personal card.
    Coded as purchase.

  174. suljaga13 says:

    I just funded LMCU max checking account with Capital One Venture $15k, posted as purchase, confirmed. Completed my minimum $3k spend (40,000 points) and got extra 30,000 points for checking funding $15K, in less than 30 minutes.

  175. suljaga13 says:

    GTE federal credit union only able to fund $245 with credit card, there is a opton to fund it using Paypal for up to $3,000. But it didn’t work for me, as it will not allow credit card throguh the Paypal.

  176. kerrigjl says:

    UFB has a $100 limit, visa or mastercard only. First Merit allows only Visa/MC.

  177. chris says:

    Just opened an AgFed checking account, funded with my Chase Freedom ($1480 + $20 fee). Since my cash limit is set to $0, it should post as a purchase!

  178. suljaga13 says:

    Capital one Venture definetily post as purchase on LMCU transfer.

  179. Rob says:

    Funded new Citibank account with Barclays Wyndham and it posted as a cash advance. Previously used Barclays Aviator Red and it posted as a purchase, but the Wyndham card is processed differently.

  180. Nate says:

    [Data point] Opened a Citizen’s Bank account last week and funded with Alaska Airlines Visa. Funded $500 after lowering cash advance limit to $200 and processed as purchase today.

  181. Aureliano says:

    Open USB checking and savings on 7/29. Funded both with Aviator Red. Unsurprisingly coded as purchase.

  182. Jay says:

    I was able to fund an NBA checking and savings at BBVA with $1500. Not sure what the actual limit is but definitely higher than the $300 listed.

    They did a hard pull on TU for checking even though I declined OD.

    Charge coded as a purchase on CSP.

    • Terri Clark says:

      I just tried this today with my new CSP and BBVA compass online. Got an email from compass saying unable to fund using source account. I was wondering if I should call Chase and let them know I am about to make a large purchase, then call compass and ask them to try it again? Am new to this game and applied for CSP first because of their 5/24 rule. Thanks!

      • Terri Clark says:

        Called Compass and they told me I either need to mail in a check to open the account or go to a local branch. Bummer. Wasted a credit pull on that.

        • Berts says:

          i wish i see your post earlier. My CSP was also declined . Tried to fund 2 x 5K with cash adv set to $200- declined.

  183. Erik says:

    I funded $8000 from my Chase Marriot to my LMCU account. It counted as a purchase.

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  185. George says:

    Funded a PNC checking account with $2000 using a Citi ThankYou Premier Card. The transaction coded as Purchases; Category: Mortgage Companies – Financial Institution.

    I had the cash advance limit set to $0 in advance just to be safe.

  186. George says:

    Funded a Regions checking and savings account with $1000 apiece using a Citi ThankYou Premier Card. The transaction coded as Purchases; Category: Business Services, Not Elsewhere Classed.

    I had the cash advance limit set to $0 in advance just to be safe.

  187. DebtDestructor says:

    I successfully opened and a CitiBank account using my Citi Double Cash Mastercard, with an $9000 purchase. How about that !!!!! I have since verified I earned the full $180 reward, 1% on the purchase, and 1% later, with the payments covering the credit card balance. It took a LOT of work to accomplish: 1) Set your cash back limit very low or to zero. 2) Call Citi Mastercard, and let them know you are about to make large purchase (this may or may not help stop fraud alerts). 3) Respond to any Citi fraud alerts immediately, they may call you or text you trying to verify it is you making this purchase. In my case, I was too slow to respond and the purchases were rejected. When I called Citi Mastercard, they incorrectly told me every time that the bank ran it as a cash advance. THEY WERE WRONG. The agents simply ASSUMED THIS because they saw the low cash limit. THEY WERE WRONG. They did that to me 3 times before the truth came out. I called the Citibank new accounts department each time, they always said they run this credit card as a purchase, and that IS CORRECT. Each of the 3 times, the transaction was denied due to automated fraud detection and prevention activity. I had to really push the Citi Mastercard agents to DIG DEEP and discover this is the real reason, and it is NOT a cash advance exceeding the low limit. It was a purchase turned down due to fraud prevention activity. This truth finally came out when I made the Citi Mastercard agent do a 3 way call with me and CitiBank new accounts representative, so they would hear direct from the Bank that the transaction was a purchase. Don’t give up…. it will work eventually, once CitiDoubleCash gets past the fraud prevention rejections.

  188. Raphael says:

    Elevations Credit Union required a $15 donation to their foundation, since I am not a Colorado resident. After donating, I was able to join and fund my accounts without issue.

    I was able to fund $10,000 using a Citi ThankYou Premier card, which coded as a purchase.

    They only accept Visa or MasterCard — no AMEX or Discover.

  189. ENG says:

    Data-point. Barclays Arrival MC used to fund CitiGOLD account $20k and got 80k reward miles. Was nervous but it worked smoothly.

    Only thing I am trying to figure out is if a CitiGOLD checking account is required or will a standard Citi checking account work? There is a significant requirement and fee difference.

  190. barrytuneup says: