Quick Summary

This reference page lists ACH capabilities: outbound [push], inbound [pull], limits, and fees at financial institutions.

The goal is to assemble numbers along the dimensions of a good hub account (perhaps we will find a collection of good institutions).  This data will also be merged into the DoC Bank Account Quick Reference Table.

As always please share your data points and ideas to help make this a better resource.

Brief Intro

While not rare, free outbound ACH transfers can be a valuable tool in triggering bank bonuses, maintaining high interest accounts, and assisting in other manufactured activities.

Definitions Table

Column	Value	Definition
Acc Limit	#	Maximum number of linked external accounts allowed
ACH Type	Pull	Initiate an inbound funds transfer from an external account
ACH Type	Push	Initiate an outbound funds transfer to an external account
Avail	Yes/No	Online/Web interface exists to initiate ACH Transfers
Day $ Limit	$	Daily ACH dollar limit across all ACH transfers scheduled for that day. (Initial or Standard)
Day Tran Limit	#	Daily ACH Transaction Limit
Fee	$	Fee to initiate an ACH transfer
Month $ Limit	$	Monthly ACH dollar limit across all ACH transfers scheduled for the month.  (30 Day Rolling Limit)
Month Tran Limit	#	Monthly ACH Transaction Limit Savings and Money Market Accounts are limited to 6 withdrawals per month.
NFB	$	No Fee Balance – Minimum Balance required to keep account maintenance (monthly) fee free.  Ignoring other ways (DD, Debit Trans, …) to keep account free
Speed	# Days	An attempt at assigning a value for relative transfer speed in business days Bank hold policies can increase transfer time Both Banks (sender & receiver) can impact speed Tiered service speeds may be offered
Tran $ Limit	$	Dollar limit per ACH Transaction

Financial Institutions

Advantis Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0			$20,000
Pull	Yes	$0			$20,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*DP

Affinity FCU

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$15,000	$25,000
Pull	Yes	$0		$25,000	$75,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		No Limit?

All America Bank (Redneck Bank)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000*
Pull	Yes	$0		$5,000

*Per Andrew’s DP, increase to $50K with phone call DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1	> 20*	?	?

Alliant Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$25,000 2,5		Initial Limit $2,500*
Pull	Yes	$0		$100,000		Min Tran – No Lower Limit7

*Per this DP, early DP seemed to indicate higher limit; First 30 days lower limits DP, and reported 9 day holds DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0 4	1 1,2	None 2 25		No Limit6	Interest Checking 3

*Alliant restriction/throttling DPs

Ally Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$150,000*	$150,000	$600,000	Min Tran $14
Pull	Yes	$0	$250,000	$250,000	$1,000,000	Interest

Ally may no longer be offering next day transfers

*Limits per CSR; Minimum transfer of $1 may exist or not, last DP $0.01

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1-3 1,2,4,7	203			Per CSR more than 20 per req.

*Another Account Limit DP, ~100 Total, 20 Lifetime DP

Amalgamated Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$2,000	$2,000
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01

Amegy Bank (of Texas)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$2.50		$5,000
Pull	Yes	$0		$5,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		4

American Express Bank (Personal Savings)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0				No $ Limit
Pull	Yes	$0

Amex DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0 1	[Pull] 5 2 [Push] 1-3 2	3 1 43		6	Savings Account Withdrawal Limits

American Express Serve

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0			$2,500*	Card Balance Limits also
Pull	Yes	$0			$5,0001

*More Detail See Data Point³

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
N/A2		1**

** 1 Account at a time

Andigo Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	2-3

Aspiration

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000*		Min Tran $1
Pull	Yes	$0		$5,000*

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	1-32	No Limit	No Limit

* First 30 Days subject to $500 transfer limit (both incoming and outgoing).  First Week $100 Limit

Atlantic Union Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$2,000	$2,000	$5,000
Pull	Yes	$0	$6,000	$6,000	$15,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3

Axos Bank [Formerly Bank of Internet USA (BofI USA)]

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$15,000*	$45,000*	Next Day $7
Pull	Yes	$0		$15,000*	$45,000*	$10 Min Tran Maybe Less

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$02		5	No Limit

*Initial $2,000 per day, $5,000 per month first 90 days^1,2

Bank of America

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3 $0		$10,000*	**	SafePass Enrollment Req. $10 Next Day, $30 Same Day
Pull	Yes	$0		$10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5001	3, 1

*SafePass Enrollment Req. for higher limits, else daily $1,000,  weekly $2,500 [More Info]

** 25,000 Weekly Limit

*** DP of $2M Limits, large DP

Bank of the West

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$31	25,0003	25,000	50,000
Pull	Yes	$0	25,000	25,000	50,000

*CSR reports no Daily or Monthly dollar or transaction limit¹, DP of lower limits²

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$25,000		NL	No Limit	No Limit

Bank5 Connect

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$6,000	$15,000	A Lot of Negative Reviews
Pull	Yes	$0		$6,000	$15,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	33	52	12		Interest at $100 Balance

BankMobile

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$3,000*		Min Tran $10
Pull	Yes	$0		$3,000*		Initial Inbound $5002

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	32	No Limit	No Limit

*$500 Limit for the first 90 days.  The daily limit only refreshs when transfers complete.

BB&T

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3	$5,000	$5,000	$12,500
Pull	Yes	$3	$5,000	$5,000	$12,500

Merged into Truist

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3

*DP

BBVA

Note: BBVA was purchased by PNC

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3	$1,000	$3,000	$7,500
Pull	Yes	$0	$5,000	$5,000	$7,500

• DP,  Larger limit MM DP

Blue Federal Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,000*	$5,000* 10,000
Pull	Yes	$0		$2,000*	$5,000* 10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	1*

*DP

BluPeak Credit Union

(See discussion on initial, and eventual transfer maximums)

 

BMO Harris

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes*	$0	$5,000	$5,000	$25,000
Pull	Yes	$0	$5,000	$5,000	$25,000

* New accounts cannot ACH push for 90 days^1,2; max $5,000 mobile deposit/5 days³

** Data on Limits DP, new interface DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		5

BrioDirect

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes*	$0	$75,000		$250,000
Pull	Yes	$0	$250,00

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	3	NL

Capital One 360

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$03		*		Seen multiple limits
Pull	Yes	$0

*A prepaid card link warning

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	22	35,6,7			DP unable to link online

*Uncertain on limit – CSR says No Limit, CSR say $2M out/$1M in, DP of greater than 6K⁶

Account limit may be 3 at a time, so removing and adding a new account may work per this DP

Only one account can be verified at a time per this DP

CFG Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000	$5,000	$30,000	Min Tran $10
Pull	Yes	$0	$25,000	$25,000	$30,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	3			6

Charles Schwab Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0*	$100,000			Min Tran $1
Pull	Yes	$0	$100,000

High Yield Investor Checking

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	1**	No Limit*

** Same Day Push Credit, 4 Day Pull Hold (Comment), Earlier Comment

*DP of Account Limit at 13 external accounts? DP of 24 external accounts

DP – Limit of 2 Push transactions per day (CSR override)

Chase Bank

*Warning about Chase ACHs*

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$10,000*	$25,000*		Min Tran $0.01
Pull	Yes	$0	$10,000*	$25,000*

*Higher Limits for Premium Accounts; Some Negative Chase ACH DPs; Chase DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5001	1-22	253

Post on Chase Instant ACH Transfers

Chime

Min Transfer $1

CIBC US

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$125,000	$125,000	$250,000
Pull	Yes	$0	$125,000	$125,000	$250,000

*DP, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1	20

Circle (Mobile App)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

*DP per PS

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1*

CIT Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		No Limit*
Pull	Yes	$0				One Week Hold Inbound?2

CIT Bank Online Banking – Might be only a savings account

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1003	11	10		6	Savings Account

*Per CSR, Previous Reported Limit $5,000²

Additional comment on transfer speed, funds hold; DP

Citibank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,0001	$10,000	Next Day Lower Limits
Pull	Yes	$0		$100,000	$100,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5002	1-34	123

Citizens Access

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$250,000	$1,000,000
Pull	Yes	$0		$1,000,000	$5,000,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	2-3	5, 10*		6

Citizens Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3 $0		$5,0002	$10,000
Pull	Yes	$0		$5,000	$10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$25,000*

*Doesn’t appear that basic account can be waived by balance alone, this is for platinum¹

Columbia Bank (NJ)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,000	$5,000
Pull	Yes	$0		$2,000	$5,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3

Comenity Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$10,000	$60,000
Pull	Yes			$10,000	$60,000

Community Choice Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

Connexus Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000	$25,000
Pull	Yes	$0		$5,000	$25,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

Consumers Credit Union (CCU)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$01		$1,000	$5,0004	Min Tran $1 (No Lower Limit)
Pull	Yes	$0		$1,000	$5,000

*DP (limits based on tier of reward checking), Larger limit DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$03	Push 2-3 days Pull Longer2

DCU (Digital Federal Credit Union)

DP on setup

DP on limits

DFCU

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,500	$5,000	Min Tran $1
Pull	Yes	$0			$10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01			5	20

Discover Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0			250,000	$300K  Combined
Pull	Yes	$0			250,000	Min Tran $256

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$02	Slow	307			Longer Hold Times1, *

* More comments on speed: 3, 4, 5, … [Update 2019-03: perhaps quicker speed: DP]

• Possible security flags raised on ACH In only transactions, or just a lot of linked accounts⁸
• Chime Bank and others (SoFi) may be blocked

Elements Financial Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000	$10,000
Pull	Yes	$0	$5,000	$10,000

* DP, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0

Emigrant Direct

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes
Pull	Yes

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	2-42			6	Savings Account

Empower Banking

Possibly weekly $2,500 ACH Limit DP

Essex Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*DP

ETrade Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$100,000		Fraud Alerts?2
Pull	Yes	$0		$100,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01		3*		No Limit

*One account for the first 60 days, per CSR.  Strict lifetime(?) limits see^3,4

Evansville Teachers Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,000	$5,000
Pull	Yes	$0		$4,000	$10,000

*DP (Initial Limits)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

EverBank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$50,000*	$200,000
Pull	Yes	$0		$250,0003

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$251	12	No Limit	10	50

*CSR and ^4,5

Fidelity Investments

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$01	$100,000			Min Tran $10
Pull	Yes	$0	$250,000

Cash Management Account, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$04	1-2 Push3	Unknown*	NL

*Online Linking works some of the time²

Fifth Third Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3	2,000	2,000	5,000	Min Tran $10
Pull	Yes	$0	10,000	10,000	10,000

*DPs per JT, IS250

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5001	3	5*

First Citizens Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3
Pull	Yes

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

First Federal Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01

First Foundation

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$20,000*	$100,000*
Pull	Yes			$20,000*	$100,000*

*Initial Limits: $10,000 daily, $30,000 monthly

First Internet Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$5		Varies2
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	33

First Merit Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3		5,000	10,000	$7 Next Day
Pull	Yes	$0		10,000	20,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01

First National Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0.501
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

First Tech Federal Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$25,000
Pull	Yes	$0	$25,000

DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		15+

First Tennessee Bank (Capital Bank)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	1,000	1,000	8,000	$2000/week
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$5,000*	1

*No Balance option to waive fees on lower tier accounts¹, Startup DP

Flagstar Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0				Min Tran: $10
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0

FNBO Direct

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$100,000	$500,000
Pull	Yes	$0		$250,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	3+4	3*	No Limit	No Limit2	Slow – Old3

*Maybe 6 and notes of FNBO Bill Pay Feature

Fremont Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		$5,000*	$5,000	$10,000
Pull	Yes		$5,000	$5,000	$10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*DP

GTE Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	Yes

DP

Hanscom Federal Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		Varies3		More on Limits*
Pull	Yes	$0

*Limits based on linked system (per CSR)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$02	11

Heritage Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	4,000	4,000	10,000
Pull	Yes	$0	4,000	4,000	10,000

*DP, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

HSBC

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	350,0001	350,000	2,000,000
Pull	Yes	$0	350,000	350,000	2,000,000

*Per CSR

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5002	33	No Limit*		No Limit*

*No Longer servicing basic bank account DP

Huntington

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0*	2,500	2,500	10,000	Slower Transfer
Pull	Yes	$0	25,000	25,000	50,000

*6 Free Push and 6 Free Pull Transactions per month before fees per JT

DP* – Larger Limits (looks to be dynamic)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	32

Incredible Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$10,000
Pull	Yes	$0		$50,000

*DP – Max 10 Inbound transfers, Max 10 Outbound Transfers, Max $10K per day

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$300		3	3 – In1 3 – Out		Interest

• *60 Day Delay on Bank to Bank Transfers¹ 
• $1,000 Minimum to Open Account – maintain?
• $10 Early Close Fee (less than 90 days)

Investors Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000	$5,000	$10,000
Pull	Yes	$0	$5,000	$5,000	$10,000

*DP; A DP with much larger limits $250,000 transfer/daily/monthly

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3	5

KeyBank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000	$20,000	(Very) Slow Setup1,5 DP of Increased Speed
Pull	Yes	$0		$5,000	$20,000

*New DP; *Combined Push/Pull⁴

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$02	43

Lake Michigan Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No2	$0		$25,000*		Looks like need to use Bill Pay
Pull	No	$0		$25,000*

* Bill Pay

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	1-23	No Limit			May be fee without DD

Laurel Road

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$25,000	$25,000*	$100,000	$50,000/wk
Pull	Yes	$0	$25,000	$25,000*	$100,000	$50,000/wk

*New DP, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	4	50+

Legacy Bank and Trust

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$2	$2,000
Pull	Yes	$0	$2,000

DP

Level One Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

Live Oak Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$250,000
Pull	Yes			$250,000

DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		4		No Limit

M&T Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$10,000	$100,000	DP of Much Lower Levels
Pull	Yes	$0		$20,000	$100,000

Most values per CSR.  Previously $3² on outbound transfer, Gadget reports no longer a fee

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$500*	3	No Limit		No Limit

*Classic Checking, EZ Choice can be waived with one transaction per month¹

Push not available for business accounts?

Marcus (Goldman)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$125,000
Pull	Yes	$0	$125,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1	4**

*DP, **DP, DP, DP – possible hold on pulls, DP, More

Chime Bank and others (SoFi) may be blocked

Merchants Bank of Indiana

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000	$5,000		Limit per external account
Pull	Yes	$0	$5,000	$5,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1	51		6

Memory Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		$2,000*	$2,000*	$10,000*
Pull	Yes		$2,000*	$2,000*	$10,000*

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		51

*DP

Morgan Stanley Cash Plus

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$250,000	$1,000,000
Pull	Yes			$250,000	$1,000,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		20+

Morrill & Janes Bank and Trust

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$2,0001	$2,000
Pull	Yes			$2,000	$2,000

*2019 Acquired by Bank of Blue Valley – DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

Moven

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push
Pull

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0		11

My Savings Direct (MySavingsDirect)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes
Pull	Yes

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	1

*DP

Nationwide Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000	$10,0003	Min Tran $103
Pull	Yes	$0		$5,000	$10,000

*Per CSR, (online limit, over the phone limit may be higher)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
10,0001	2-32	43

Navy Federal Credit Union

** Danno notes that ACH pull is only for credit cards and loans.

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000*
Pull	No	$0		N/A

*Per Stacy’s DP, thanks; COVID related increase

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		No Limit

No test deposit required, but multiple user accounts from the same computer may trigger a security alert per this DP

North American Savings Bank (NASB)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0			$250,000
Pull	Yes	$0			$250,000

*DP, Newer DP (Lower Limits)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	3	5

Neighbors Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$2,000*
Pull	Yes			$50,000*	$1M

*Initial Limits – then varies

Newtek Bank

Formerly National Bank of New York City (“NBNYC”)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		$99,999
Pull	Yes		$99,999

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit
	3	3		6

Northern Bank Direct

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		$5,000	$5,000	$25,000
Pull	Yes		$5,000	$5,000	$25,000

*DP, DP; DP (Limits increasing with time or activity); Monthly may have increased to $30K

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit
$0	1	3 10		6	10 transfers to per day 100 transfer to per month

Northfield Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$5,000*	$10,000
Pull	Yes			$5,000	$10,000

*DP per CSR

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit

Northpointe Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

One Financial

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		$25,000
Pull	Yes		$25,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	0 – 3

OnPoint Community Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		NL*	NL*	Interest
Pull	Yes	$0		NL*	NL*

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*DP – $100K+

Oregon Community Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$01				Interest
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0*

*Remarkable Checking²

Paypal

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

*DP per PS

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	5 Day Pull 1-2 Day Push*

Parkside Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

PenFed Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,500
Pull	Yes	$0		$2,500

*Acc Limit – None?  At least 17, now 5?, 1?

DP – For PenFed’s Premium Online Savings Account, daily external limits are $50K inbound and $25K outbound. All other accounts are $2500 each way.

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	2	*

PNC Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	15,000	15,000	25,000
Pull	Yes	$0	2,000	2,000	5,000

Suspicious Activity cancelled transaction warning³, Reports of Lower Limits here

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$5001, $0	32

DP of higher limits on established account (another).  Netspend Metabank cards blocked

PNC Business Limits DP

Premier Members Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	5,000	5,000	15,000
Pull	Yes	$0	5,000	5,000	15,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
				NL

Prime Alliance Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			50,000	250,000
Pull	Yes			50,000	250,000

*Initial 60 day freeze

Provident Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	2,000	2,000
Pull	Yes	$0	2,000	2,000

*DP, DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3

Provident Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes2	$0		$3,0003	$6,0003
Pull	Yes	$0		$3,000	$6,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	2-33	No Limit		No Limit

PurePoint Financial

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$250,000	$1,000,000	$50K Mobile Daily Deposit Limit
Pull	Yes	$0		$250,000	$1,000,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	1	101		6, Reg D Limit Removed	4 day hold inbound ACH

*DP

Quontic Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$2,000	$10,000
Pull	Yes			$2,000	$10,000

DP

Radius Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000		Min Tran $1
Pull	Yes	$0		$5,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01		No Limit*

*Per CSR

Ridgewood Savings Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$1,500			Minimum $20/Transfer
Pull	Yes	$0	$1,500			$4,500/week

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3-5		3		Max 5 Transfers/Week

*DP

Rivermark Community Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,000	$5,000
Pull	Yes	$0		$2,000	$5,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*DP

Robinhood

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

Brokerage

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$03	4-5 1	3*			AML – Same Account In/Out

*Significant additional requirements for another account²

Salem Five Direct

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$32	$5,000	$5,000	$20,000
Pull	Yes		$15,000	$25,000	$25,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01

Sandy Spring Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000
Pull	Yes	$0	$5,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3	4

Santander Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$02		$5,0005	$20,000	Acc add without test trans6
Pull	No4

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
75,000*	13

*Simply Right – One transaction can waive monthly fee¹; Business Checking DP

Seacoast Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3		2,000	5,000
Pull	Yes	$0

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,0001

Simple (.com)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$10,000*	$30,000
Pull	Yes	$0		$10,000	$30,000

*Limited to $5,000 total deposits for the first 30 days

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	1-2 From; 3-4 To2	5		No Limit

May vary by underlying bank (Compass Bank or The Bancorp Bank)

SoFi Money

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000	$10,000	$1 Min Tran
Pull	Yes	$0		$5,000	$10,000

*DP, Same Day ACH, DP, On Transfer Limits

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	5-7, 1	3, 5

Square Cash (Mobile App)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

*DP per PS

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	1*

Star One Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		5,000
Pull	Yes	$0		5,000

*All Info Per CSR¹

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	3-5 Same Day DP	No Limit*

DP – On limit, $20 minimum transfer

State Bank of India (CA)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$5		10,000
Pull	Yes	$0		25,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

State Farm Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes2	$0	25,000	100,000		Min Tran $1
Pull	Yes	$0	25,000	100,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0**	1-2	No Limit

**DP

SunTrust Bank

Moved to Truist Entry

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$31				Next Day $6
Pull	Yes	$0			$20,000*

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	Up to 32 Pull 1 (Sometimes)*

*Comments note inbound limit³

Synchrony Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$250,000
Pull	Yes	$0	$250,000

Not Checking, Money Market Savings (most info per CSR)

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01		10		6

Talmer Bank & Trust

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

TCF Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$2,500	$7,500
Pull	Yes			$2,500	$7,500

DP*

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

TD Ameritrade

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes		250,000
Pull	Yes

Cash Managment Account

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0		5*

• *CSR and this DP¹

TD Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$2,500	$3,000	$5,000
Pull	Yes	$0	$5,000	$10,000	$20,000

• DP, New DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$2,500	3

Tech CU

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		10,000		Min Tran $1
Pull	Yes	$0		10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	12

TIAA Direct Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$50,000*
Pull	Yes	$0		No Limit

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	32	64			Acc Limit per CSR

*DP

Truist

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$31				Next Day $6
Pull	Yes	$0			$20,000*

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	Up to 32 Pull 1 (Sometimes)*

*Comments note inbound limit³

Trustco Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0
Pull	Yes	$0

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	2

T-Mobile Money

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$3,000
Pull	Yes			$3,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		20

UFB Direct

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$2,000	$5,000
Pull	Yes			$2,000	$5,000

2023-05 DP – $15K Pull, $25K Push, On Speed

Unify Financial Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$3,000
Pull	Yes	$0		$3,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	1

*DP

Union Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000/$20,000	$5,000/$20,000	$20,000/$80,000
Pull	Yes	$0	$5,000/$20,000	$5,000/$20,000	$20,000/$80,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

United Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$2,000	$5,000
Pull	Yes	$0		$2,000	$5,000

DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes

*CSR only stated no fee bank to bank transfers, did not provide limits

US Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$3, $0	1,250	1,250	1,250
Pull	Yes	$0	2,500	2,500	2,500

*Higher Limits DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5001	2-32	53

*Platinum Account may not charge $3 fee, per Jennifer M, No longer fee DP

USAA Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$5,000*
Pull	Yes	$0		$5,000

Limited Membership

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$01	1-23	7

*Same Day ACH Transfers reflected instantly⁴

6 account limit for the first 6 months

Varo Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	$5,000		$10,000
Pull	Yes	$0	$5,000		$10,000

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		Push 1-2 BD Pull 2-4 BD

*DP

Vanguard

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0	Very Large			Can’t initiate ACH other Institution
Pull	Yes	$0				5 Day ACH In Hold

 

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$0	2		Large	NL	$3,000 to Open

*DP

Vio Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$25,000	$100,000
Pull	Yes			$25,000	$100,000

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
	Push – 2 Pull – 9	5 10		6 Free

 

Wealthfront

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$250,000	NL
Pull	Yes	$0		$250,000	NL

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		20+?

Wells Fargo Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0*		5,000	6,000
Pull	Yes	$0

*Previous $3³, Larger DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
$1,5001	2-32,4	105,6

Western State Bank

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes			$5,000	$10,000
Pull	Yes			$5,000	$10,000

Whitney Bank (Hancock Whitney)

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	Yes	$0		$800
Pull	Yes	$0		$800

*DP

NFB	Speed	Acc Limit	Day Tran Limit	Month Tran Limit	Notes
		20

Wing Credit Union

Push and Pull Amounts of $2,500 DP

Zeal Credit Union

ACH Type	Avail	Fee	Tran $ Limit	Day $ Limit	Month $ Limit	Notes
Push	No
Pull	No

A Few ACH Strategies

In using ACH transfers to trigger account requirements, a few strategies have popped up:

Some Go Big

Using a few large, popular options – Alliant CU and Ally Bank are often noted.

• (+)s: These institutions offer great hub accounts (free, quick, sizable, … transfers)
• (-)s: But have these options become a little crowded?:
  • Ally has a number of failure data points: 1, 2, 3, 4, … for triggering direct deposit requirements (perhaps as a result of a tech upgrade, or perhaps from being blacklisted?)
  • Alliant has no current negative data points, but this did pop-up

Some Go Small

Using local credit unions or banks.

• (+)s:
  • Being so small it would seem unlikely that any would be specifically blocked, and
  • perhaps smaller/(older?)/different tech may have more success triggering requirements.
• (-)s: But being so small, it would be very unlikely that your local institution will ever show up as a data point

Some Go Explosive

And launch a barrage of ACH transactions from multiple institutions, hoping something might trigger the transaction.

• (+)s: It could work – something might trigger the requirement
• (-)s: But it seems fairly:
  • Time Expensive,
  • Capital Intensive (if $ minimums required on the transfers),
  • and in the end you don’t know what triggered the bonus

Some Go Beyond Banks

And use a number of different account types:

• Amazon
• Brokerage Accounts
• Business Accounts
• Prepaid Cards

I even saw

• Uber

pop-up on the list.

• (+)s: These are valuable alternatives
• (-)s: But many involve more obstacles and effort than a good hub bank account

Goldilocks Institutions?

Perhaps as a DoC community we can identify a collection/[portfolio] of not too big, not too small good hub accounts.

Ideally, Goldilocks on another dimension too, the size of the signup bonus.  Assuming a model where you can only open a limited number of accounts each year, then we wouldn’t want an institution with no bonus (poor value for the inquiry), but also not an institution with a regular large bonus (that might sit on your churning list).

Previously available nationwide, now restricted to California, Tech CU might be a decent example.

At the least hopefully this reference page offers you some value.

Warnings

(In addition to all the standard disclaimers,) this resource is incomplete and filled with errors.

It is an attempt to summarize and categorize rules inferred from community data points.

Definitely tell us where we have made a mistake.

Additionally:

• Personal limits at financial institutions may vary
• Limits for personal accounts (not business but happy to add those data points too)

Final Notes

Please share your data points and ideas on this topic to help make this page a better resource.

Good luck to all the bank bonus miners out there (is that what they call us?).

All the best!