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 |
*Limits per CSR; Minimum transfer of $1 may exist or not, last DP $0.01
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1-3 1,2,4,7 |
203 |
|
|
Per CSR more than 20 per req. |
*Another Account Limit DP, ~100 Total, 20 Lifetime DP
Amalgamated Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,000 |
$2,000 |
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
Amegy Bank (of Texas)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$2.50 |
|
$5,000 |
|
|
Pull |
Yes |
$0 |
|
$5,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
4 |
|
|
|
American Express Bank (Personal Savings)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
No $ Limit |
Pull |
Yes |
$0 |
|
|
|
|
Amex DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 1 |
[Pull] 5 2
[Push] 1-3 2 |
3 1
43 |
|
6 |
Savings Account Withdrawal Limits |
American Express Serve
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
$2,500* |
Card Balance Limits also |
Pull |
Yes |
$0 |
|
|
$5,0001 |
|
*More Detail See Data Point3
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
N/A2 |
|
1** |
|
|
|
** 1 Account at a time
Andigo Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2-3 |
|
|
|
|
Aspiration
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000* |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
$5,000* |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-32 |
No Limit |
No Limit |
|
|
* First 30 Days subject to $500 transfer limit (both incoming and outgoing). First Week $100 Limit
Atlantic Union Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,000 |
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
$6,000 |
$6,000 |
$15,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
Axos Bank [Formerly Bank of Internet USA (BofI USA)]
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$15,000* |
$45,000* |
Next Day $7 |
Pull |
Yes |
$0 |
|
$15,000* |
$45,000* |
$10 Min Tran
Maybe Less |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
|
5 |
No Limit |
|
|
*Initial $2,000 per day, $5,000 per month first 90 days1,2
Bank of America
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
$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 |
|
|
|
|
*SafePass Enrollment Req. for higher limits, else daily $1,000, weekly $2,500 [More Info]
** 25,000 Weekly Limit
*** DP of $2M Limits, large DP
Bank of the West
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
25,0003 |
25,000 |
50,000 |
|
Pull |
Yes |
$0 |
25,000 |
25,000 |
50,000 |
|
*CSR reports no Daily or Monthly dollar or transaction limit1, DP of lower limits2
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$25,000 |
|
NL |
No Limit |
No Limit |
|
Bank5 Connect
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$6,000 |
$15,000 |
A Lot of Negative Reviews |
Pull |
Yes |
$0 |
|
$6,000 |
$15,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
33 |
52 |
12 |
|
Interest at $100 Balance |
BankMobile
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$3,000* |
|
Min Tran $10 |
Pull |
Yes |
$0 |
|
$3,000* |
|
Initial Inbound $5002 |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
No Limit |
No Limit |
|
|
*$500 Limit for the first 90 days. The daily limit only refreshs when transfers complete.
BB&T
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
$5,000 |
$5,000 |
$12,500 |
|
Pull |
Yes |
$3 |
$5,000 |
$5,000 |
$12,500 |
|
Merged into Truist
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
*DP
BBVA
Note: BBVA was purchased by PNC
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
$1,000 |
$3,000 |
$7,500 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$7,500 |
|
Blue Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000* |
$5,000*
10,000 |
|
Pull |
Yes |
$0 |
|
$2,000* |
$5,000*
10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
1* |
|
|
|
|
*DP
BMO Harris
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes* |
$0 |
$5,000 |
$5,000 |
$25,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$25,000 |
|
* New accounts cannot ACH push for 90 days1,2; max $5,000 mobile deposit/5 days3
** Data on Limits DP, new interface DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
5 |
|
|
|
BrioDirect
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes* |
$0 |
$75,000 |
|
$250,000 |
|
Pull |
Yes |
$0 |
$250,00 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
NL |
|
|
|
Capital One 360
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$03 |
|
* |
|
Seen multiple limits |
Pull |
Yes |
$0 |
|
|
|
|
*A prepaid card link warning
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
22 |
35,6,7 |
|
|
DP unable to link online |
*Uncertain on limit – CSR says No Limit, CSR say $2M out/$1M in, DP of greater than 6K6
Account limit may be 3 at a time, so removing and adding a new account may work per this DP
Only one account can be verified at a time per this DP
CFG Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$5,000 |
$30,000 |
Min Tran $1 |
Pull |
Yes |
$0 |
$25,000 |
$25,000 |
$30,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
|
|
6 |
|
Charles Schwab Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0* |
$100,000 |
|
|
Min Tran $1 |
Pull |
Yes |
$0 |
$100,000 |
|
|
|
High Yield Investor Checking
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1** |
No Limit* |
|
|
|
** Same Day Push Credit, 4 Day Pull Hold (Comment), Earlier Comment
*DP of Account Limit at 13 external accounts? DP of 24 external accounts
DP – Limit of 2 Push transactions per day (CSR override)
Chase Bank
*Warning about Chase ACHs*
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$10,000* |
$25,000* |
|
Min Tran $0.01 |
Pull |
Yes |
$0 |
$10,000* |
$25,000* |
|
|
*Higher Limits for Premium Accounts; Some Negative Chase ACH DPs; Chase DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
1-22 |
253 |
|
|
|
Post on Chase Instant ACH Transfers
Chime
Min Transfer $1
CIBC US
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$125,000 |
$125,000 |
$250,000 |
|
Pull |
Yes |
$0 |
$125,000 |
$125,000 |
$250,000 |
|
*DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1 |
20 |
|
|
|
Circle (Mobile App)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1* |
|
|
|
|
CIT Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
No Limit* |
|
|
Pull |
Yes |
$0 |
|
|
|
One Week Hold Inbound?2 |
CIT Bank Online Banking – Might be only a savings account
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1003 |
11 |
10 |
|
6 |
Savings Account |
*Per CSR, Previous Reported Limit $5,0002
Additional comment on transfer speed, funds hold; DP
Citibank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,0001 |
$10,000 |
Next Day Lower Limits |
Pull |
Yes |
$0 |
|
$100,000 |
$100,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5002 |
1-34 |
123 |
|
|
|
Citizens Access
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0
|
|
$250,000 |
$1,000,000 |
|
Pull |
Yes |
$0 |
|
$1,000,000 |
$5,000,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2-3 |
5, 10* |
|
6 |
|
Citizens Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 $0 |
|
$5,0002 |
$10,000 |
|
Pull |
Yes |
$0 |
|
$5,000 |
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$25,000* |
|
|
|
|
|
*Doesn’t appear that basic account can be waived by balance alone, this is for platinum1
Columbia Bank (NJ)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
|
|
|
|
Comenity Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$10,000 |
$60,000 |
|
Pull |
Yes |
|
|
$10,000 |
$60,000 |
|
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
Connexus Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$25,000 |
|
Pull |
Yes |
$0 |
|
$5,000 |
$25,000 |
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
Consumers Credit Union (CCU)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
|
$1,000 |
$5,0004 |
Min Tran $1 (No Lower Limit) |
Pull |
Yes |
$0 |
|
$1,000 |
$5,000 |
|
*DP (limits based on tier of reward checking), Larger limit DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$03 |
Push 2-3 days
Pull Longer2 |
|
|
|
|
DCU (Digital Federal Credit Union)
DP on setup
DP on limits
DFCU
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,500 |
$5,000 |
Min Tran $1 |
Pull |
Yes |
$0 |
|
|
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
5 |
20 |
|
Discover Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
250,000 |
$300K Combined |
Pull |
Yes |
$0 |
|
|
250,000 |
Min Tran $256 |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
Slow |
307 |
|
|
Longer Hold Times1, * |
* More comments on speed: 3, 4, 5, … [Update 2019-03: perhaps quicker speed: DP]
Elements Financial Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$10,000 |
|
|
Pull |
Yes |
$0 |
$5,000 |
$10,000 |
|
|
* DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
|
|
|
|
Emigrant Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
|
|
|
Pull |
Yes |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
2-42 |
|
|
6 |
Savings Account |
Empower Banking
Possibly weekly $2,500 ACH Limit DP
Essex Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
ETrade Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$100,000 |
|
Fraud Alerts?2 |
Pull |
Yes |
$0 |
|
$100,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
3* |
|
No Limit |
|
*One account for the first 60 days, per CSR. Strict lifetime(?) limits see3,4
Evansville Teachers Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$4,000 |
$10,000 |
|
*DP (Initial Limits)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
EverBank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$50,000* |
$200,000 |
|
Pull |
Yes |
$0 |
|
$250,0003 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$251 |
12 |
No Limit |
10 |
50 |
|
*CSR and 4,5
Fidelity Investments
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
$100,000 |
|
|
Min Tran $10 |
Pull |
Yes |
$0 |
$250,000 |
|
|
|
Cash Management Account, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$04 |
1-2 Push3 |
Unknown* |
NL |
|
|
*Online Linking works some of the time2
Fifth Third Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
2,000 |
2,000 |
5,000 |
|
Pull |
Yes |
$0 |
10,000 |
10,000 |
10,000 |
|
*DPs per JT, IS250
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5001 |
3 |
5* |
|
|
|
First Citizens Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
|
|
|
Pull |
Yes |
|
|
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
First Federal Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
First Foundation
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$20,000* |
$100,000* |
|
Pull |
Yes |
|
|
$20,000* |
$100,000* |
|
*Initial Limits: $10,000 daily, $30,000 monthly
First Internet Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$5 |
|
Varies2 |
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
33 |
|
|
|
|
First Merit Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
5,000 |
10,000 |
$7 Next Day |
Pull |
Yes |
$0 |
|
10,000 |
20,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
First National Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0.501 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
First Tech Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$25,000 |
|
|
|
Pull |
Yes |
$0 |
$25,000 |
|
|
|
DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
15+ |
|
|
|
First Tennessee Bank (Capital Bank)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
1,000 |
1,000 |
8,000 |
$2000/week |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$5,000* |
1 |
|
|
|
|
*No Balance option to waive fees on lower tier accounts1, Startup DP
Flagstar Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
Min Tran: $10 |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
|
|
|
|
FNBO Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$100,000 |
$500,000 |
|
Pull |
Yes |
$0 |
|
$250,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
3+4 |
3* |
No Limit |
No Limit2 |
Slow – Old3 |
*Maybe 6 and notes of FNBO Bill Pay Feature
Fremont Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$5,000* |
$5,000 |
$10,000 |
|
Pull |
Yes |
|
$5,000 |
$5,000 |
$10,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
GTE Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
Yes |
|
|
|
|
|
DP
Hanscom Federal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
Varies3 |
|
More on Limits* |
Pull |
Yes |
$0 |
|
|
|
|
*Limits based on linked system (per CSR)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
11 |
|
|
|
|
Heritage Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
4,000 |
4,000 |
10,000 |
|
Pull |
Yes |
$0 |
4,000 |
4,000 |
10,000 |
|
*DP, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
HSBC
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
350,0001 |
350,000 |
2,000,000 |
|
Pull |
Yes |
$0 |
350,000 |
350,000 |
2,000,000 |
|
*Per CSR
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,5002 |
33 |
No Limit* |
|
No Limit* |
|
*No Longer servicing basic bank account DP
Huntington
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0* |
2,500 |
2,500 |
10,000 |
Slower Transfer |
Pull |
Yes |
$0 |
25,000 |
25,000 |
50,000 |
|
*6 Free Push and 6 Free Pull Transactions per month before fees per JT
DP* – Larger Limits (looks to be dynamic)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
|
|
|
|
Incredible Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$10,000 |
|
|
Pull |
Yes |
$0 |
|
$50,000 |
|
|
*DP – Max 10 Inbound transfers, Max 10 Outbound Transfers, Max $10K per day
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$300 |
|
3 |
3 – In1
3 – Out |
|
Interest |
- *60 Day Delay on Bank to Bank Transfers1
- $1,000 Minimum to Open Account – maintain?
- $10 Early Close Fee (less than 90 days)
Investors Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
$5,000 |
$10,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$5,000 |
$10,000 |
|
*DP; A DP with much larger limits $250,000 transfer/daily/monthly
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
5 |
|
|
|
KeyBank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$20,000 |
(Very) Slow Setup1,5
DP of Increased Speed |
Pull |
Yes |
$0 |
|
$5,000 |
$20,000 |
|
*New DP; *Combined Push/Pull4
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$02 |
43 |
|
|
|
|
Lake Michigan Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No2 |
$0 |
|
$25,000* |
|
Looks like need to use Bill Pay |
Pull |
No |
$0 |
|
$25,000* |
|
|
* Bill Pay
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-23 |
No Limit |
|
|
May be fee without DD |
Laurel Road
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$12,500* |
$50,000 |
$25,000/wk |
Pull |
Yes |
$0 |
|
$12,500* |
$50,000 |
$25,000/wk |
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
4 |
|
|
|
|
Legacy Bank and Trust
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$2 |
$2,000 |
|
|
|
Pull |
Yes |
$0 |
$2,000 |
|
|
|
DP
Level One Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
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
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
3 |
5 |
|
|
|
Neighbors Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,000* |
|
|
Pull |
Yes |
|
|
$50,000* |
$1M |
|
*Initial Limits – then varies
Northern Bank Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$5,000 |
$5,000 |
$25,000 |
|
Pull |
Yes |
|
$5,000 |
$5,000 |
$25,000 |
|
*DP, DP; DP (Limits increasing with time or activity); Monthly may have increased to $30K
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
|
$0 |
1 |
3
10 |
|
6 |
10 transfers to per day
100 transfer to per month |
Northfield Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$5,000* |
$10,000 |
|
Pull |
Yes |
|
|
$5,000 |
$10,000 |
|
*DP per CSR
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
|
|
|
|
|
|
|
Northpointe Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
One Financial
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
$25,000 |
|
|
|
Pull |
Yes |
|
$25,000 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
0 – 3 |
|
|
|
|
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
NL* |
NL* |
Interest |
Pull |
Yes |
$0 |
|
NL* |
NL* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP – $100K+
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$01 |
|
|
|
Interest |
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0* |
|
|
|
|
|
*Remarkable Checking2
Paypal
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
5 Day Pull
1-2 Day Push* |
|
|
|
|
Parkside Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
PenFed Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,500 |
|
|
Pull |
Yes |
$0 |
|
$2,500 |
|
|
*Acc Limit – None? At least 17, now 5?
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 |
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
Radius Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
$5,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
No Limit* |
|
|
|
*Per CSR
Ridgewood Savings Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$1,500 |
|
|
Minimum $20/Transfer |
Pull |
Yes |
$0 |
$1,500 |
|
|
$4,500/week |
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3-5 |
|
3 |
|
Max 5 Transfers/Week |
*DP
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
Pull |
Yes |
$0 |
|
$2,000 |
$5,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
*DP
Robinhood
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
Brokerage
*Significant additional requirements for another account2
Salem Five Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$32 |
$5,000 |
$5,000 |
$20,000 |
|
Pull |
Yes |
|
$15,000 |
$25,000 |
$25,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
|
|
|
|
Sandy Spring Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$5,000 |
|
|
|
Pull |
Yes |
$0 |
$5,000 |
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3 |
4 |
|
|
|
Santander Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$02 |
|
$5,0005 |
$20,000 |
Acc add without test trans6 |
Pull |
No4 |
|
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
75,000* |
13 |
|
|
|
|
*Simply Right – One transaction can waive monthly fee1; Business Checking DP
Seacoast Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$3 |
|
2,000 |
5,000 |
|
Pull |
Yes |
$0 |
|
|
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$1,0001 |
|
|
|
|
|
Simple (.com)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$10,000* |
$30,000 |
|
Pull |
Yes |
$0 |
|
$10,000 |
$30,000 |
|
*Limited to $5,000 total deposits for the first 30 days
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
1-2 From;
3-4 To2 |
5 |
|
No Limit |
|
May vary by underlying bank (Compass Bank or The Bancorp Bank)
SoFi Money
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$5,000 |
$10,000 |
$1 Min Tran |
Pull |
Yes |
$0 |
|
$5,000 |
$10,000 |
|
*DP, Same Day ACH, DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
5-7, 1 |
3, 5 |
|
|
|
Square Cash (Mobile App)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP per PS
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
1* |
|
|
|
|
Star One Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
5,000 |
|
|
Pull |
Yes |
$0 |
|
5,000 |
|
|
*All Info Per CSR1
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
3-5
Same Day DP |
No Limit* |
|
|
|
DP – On limit, $20 minimum transfer
State Bank of India (CA)
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$5 |
|
10,000 |
|
|
Pull |
Yes |
$0 |
|
25,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
State Farm Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes2 |
$0 |
25,000 |
100,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
25,000 |
100,000 |
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0** |
1-2 |
No Limit |
|
|
|
**DP
SunTrust Bank
Moved to Truist Entry
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
|
|
|
Next Day $6 |
Pull |
Yes |
$0 |
|
|
$20,000* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
Up to 32
Pull 1 (Sometimes)*
|
|
|
|
|
*Comments note inbound limit3
Synchrony Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$250,000 |
|
|
|
Pull |
Yes |
$0 |
$250,000 |
|
|
|
Not Checking, Money Market Savings (most info per CSR)
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
|
10 |
|
6 |
|
Talmer Bank & Trust
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
TCF Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,500 |
$7,500 |
|
Pull |
Yes |
|
|
$2,500 |
$7,500 |
|
DP*
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
|
|
|
|
TD Ameritrade
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
250,000 |
|
|
|
Pull |
Yes |
|
|
|
|
|
Cash Managment Account
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$0 |
|
5* |
|
|
|
TD Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
$2,500 |
$3,000 |
$5,000 |
|
Pull |
Yes |
$0 |
$5,000 |
$10,000 |
$20,000 |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$2,500 |
3 |
|
|
|
|
Tech CU
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
10,000 |
|
Min Tran $1 |
Pull |
Yes |
$0 |
|
10,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
12 |
|
|
|
|
TIAA Direct Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
$50,000* |
|
|
Pull |
Yes |
$0 |
|
No Limit |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
$01 |
32 |
64 |
|
|
Acc Limit per CSR |
*DP
Truist
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$31 |
|
|
|
Next Day $6 |
Pull |
Yes |
$0 |
|
|
$20,000* |
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
Up to 32
Pull 1 (Sometimes)* |
|
|
|
|
*Comments note inbound limit3
Trustco Bank
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
$0 |
|
|
|
|
Pull |
Yes |
$0 |
|
|
|
|
*DP
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
2 |
|
|
|
|
T-Mobile Money
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$3,000 |
|
|
Pull |
Yes |
|
|
$3,000 |
|
|
NFB |
Speed |
Acc Limit |
Day Tran Limit |
Month Tran Limit |
Notes |
|
|
20 |
|
|
|
UFB Direct
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
Yes |
|
|
$2,000 |
$5,000 |
|
Pull |
Yes |
|
|
$2,000 |
$5,000 |
|
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 |
|
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 |
|
|
|
|
|
|
Wing Credit Union
Push and Pull Amounts of $2,500 DP
Zeal Credit Union
ACH Type |
Avail |
Fee |
Tran $ Limit |
Day $ Limit |
Month $ Limit |
Notes |
Push |
No |
|
|
|
|
|
Pull |
No |
|
|
|
|
|
A Few ACH Strategies
In using ACH transfers to trigger account requirements, a few strategies have popped up:
Some Go Big
Using a few large, popular options – Alliant CU and Ally Bank are often noted.
- (+)s: These institutions offer great hub accounts (free, quick, sizable, … transfers)
- (-)s: But have these options become a little crowded?:
- Ally has a number of failure data points: 1, 2, 3, 4, … for triggering direct deposit requirements (perhaps as a result of a tech upgrade, or perhaps from being blacklisted?)
- Alliant has no current negative data points, but this did pop-up
Some Go Small
Using local credit unions or banks.
- (+)s:
- Being so small it would seem unlikely that any would be specifically blocked, and
- perhaps smaller/(older?)/different tech may have more success triggering requirements.
- (-)s: But being so small, it would be very unlikely that your local institution will ever show up as a data point
Some Go Explosive
And launch a barrage of ACH transactions from multiple institutions, hoping something might trigger the transaction.
- (+)s: It could work – something might trigger the requirement
- (-)s: But it seems fairly:
- Time Expensive,
- Capital Intensive (if $ minimums required on the transfers),
- and in the end you don’t know what triggered the bonus
Some Go Beyond Banks
And use a number of different account types:
I even saw
pop-up on the list.
- (+)s: These are valuable alternatives
- (-)s: But many involve more obstacles and effort than a good hub bank account
Goldilocks Institutions?
Perhaps as a DoC community we can identify a collection/[portfolio] of not too big, not too small good hub accounts.
Ideally, Goldilocks on another dimension too, the size of the signup bonus. Assuming a model where you can only open a limited number of accounts each year, then we wouldn’t want an institution with no bonus (poor value for the inquiry), but also not an institution with a regular large bonus (that might sit on your churning list).
Previously available nationwide, now restricted to California, Tech CU might be a decent example.
At the least hopefully this reference page offers you some value.
Warnings
(In addition to all the standard disclaimers,) this resource is incomplete and filled with errors.
It is an attempt to summarize and categorize rules inferred from community data points.
Definitely tell us where we have made a mistake.
Additionally:
- Personal limits at financial institutions may vary
- Limits for personal accounts (not business but happy to add those data points too)
Final Notes
Please share your data points and ideas on this topic to help make this page a better resource.
Good luck to all the bank bonus miners out there (is that what they call us?).
All the best!
Has anyone run into this error message with Schwab when trying to add a new external account to be linked?:
Maximum Threshold Reached
The maximum threshold to perform verification has been reached. No additional account verification is allowed.
I even tried deleting an existing link, but still get the same error message. I have linked 2 new accounts in the past 90 days, but don’t think 2 accounts should be too much too fast 😛
Yes, I’m getting an error currently when trying to delete an old external account. Not sure what’s going on, but something on their end is messed up.
Try calling in to their tech support/move money department.
I called in, and they initially told me it was an issue with Chase (I was trying to link a Chase account and apparently Chase is having issues with other banks trying to link with them).
But I did some more testing (I was able to add the Chase account under P2’s Schwab account just fine. And then I tried to link a different account and still got the same error. So I called in again. And they finally got some tech’s on the line, and they were able to fix it. Something to do with the number of external accounts I have linked. They did initially think it was cuz of the number failed attempts, but I haven’t had any failed attempts recently.
who allows the most linked accts?
who allows the lowest ACH amounts, under 1$ ?
I would not recommend Marcus as a Hub. Aside from people mentioning holds on pulls, they also lock your account and require contacting fraud dept on large pushes. I don’t know what the minimum amount is that triggers this, but $75k will trigger. Requires 3-way call with destination bank to resolve. Also, you can’t access Marcus account outside the US.
I’ve been using Morgan Stanley Cash Plus as my hub account and has worked surprisingly well. I currently have close to 20 external accounts linked that I can even give nicknames to, free checks, fast transfers, etc. They claim up to 250k can be transferred daily, 1 million monthly. Mobile check deposits up to 250k in a month.
DP for SoFi
Currently a non direct deposit account
4 month old account
5 account limit for linking
About 5 business day push and pull initiated by SoFi for both. Held funds for 5 business days.
$5,000 daily limit
$10,000 monthly limit
Gives me a notification about these limits whenever I try inputting a larger amount.
Anyone have any ideas on which of the above hub accounts have the best transfer capabilities that I’m looking for.
I’m looking for one that allows at least a $20,000 push and/ or pull, pushes funds within one or two days and has a reasonable hold time when pulling funds, no more than 2-3 days at the most.
I’ve eliminated Marcus because they hold pulled funds for a week, Fidelity because their hold on funds is up to 10 days and Ally because as others have experienced, I’m unable to add new transfer accounts. I’ve considered Chase because they transfer funds to and from fast but don’t trust that they won’t lock up my account like they did once so don’t want to take that chance every time I want to do a transfer.
Any suggestions will be appreciated.
I hope someone responds, I could use a new hub account similar to what you are looking for. I just had my Chase account locked because I tried to pull some funds from my PNC account even though I had pushed funds to the same PNC account last week.
Was told by the fraud department that unlocked my account, that until Chase receives funds from the new account by way of a check deposit or a push from the new account, they will treat any pull as fraud and not allow any funds to be transferred to the new account into Chase, no matter how much money is attempted to be pulled.
@Looney Tunes … Sadly, whatever bank you choose will have some negatives, even if they’re only temporary. It’s hard to get everything: High Transfer Limits, High Amount of External Accounts One Can link, Low Hold Times, No Freezing of Account When Trying to Push Out Money, and Decent Interest Rate. Citizens Access has excellent limits, a decent rate, fast transfer times if you push money out, allows 10 externals, but if you pull money in via Citizens there is a 5-day hold time. And the first time you transfer to your newly-added external, you have to verify with their security department.
Chase is notorious for locking accounts. I will only transfer out from Chase and not pull out money from my external banks…and even then, I call their fraud department in advance if the push out is over $25K. They allow $100K per day, as you know.
Good luck as you hunt for the perfect Hub bank.
From Alliant website regarding ACH Transfers:
“Are there limits for incoming ACH transfers? Per transfer or per day?
The limit for same-day ACH transfers is $25,000 per day. This is the same limit that Alliant has for all ACH transfers.”
From Alliant regarding membership: “If you are not eligible through another option you can become a member of Foster Care to Success (FC2S) and become eligible for Alliant membership. FC2S serves thousands of foster teens across the United States, focusing on those who are aging out of the foster care system. FC2S awards grants and scholarships for higher education and provides care packages, mentoring and internships. (Alliant will pay the one-time $5 membership fee to FC2S on the member’s behalf.)”
Thanks for the suggestion


midas89 I’ll look into it.
Wonder if what Looney Tunes says is correct about Chase, as long as you do an initial push from a new account into Chase, that will prevent the fraud department from locking one’s account when doing a pull into Chase in the future.
Refer to the above table: https://www.doctorofcredit.com/hub-accounts-ach-transfers-capabilities-fees-limits-across-financial-institutions/#Alliant_Credit_Union
25 accounts at a time
Thanks


Jim saw the first half but not the second half in the table. Do you know if it is like Ally when you meet the maximum allowed, no matter how many of them you delete, they won’t let you add any more or is that only Ally specific?
Nope, Alliant doesn’t have that issue. You can add/delete as needed, as long as 25 at a time.
Then again, with Ally, I encountered the max limit as several of you have noted, but was able to resolve it by calling in.
Initially, when Ally wouldn’t let me add more accounts even though I had culled it to 10-15, I called in to complain a few times before finally someone knew how to resolve it. A support ticket was created. Basically I provided the other bank’s routing and account numbers, and that was documented in the ticket. Then a separate department within Ally called Loss Prevention/Fraud/Counter Measures would manually approve each additional external linked account. A week or two later, I would either call in to check on the status, or they’d call me, but the linked account would be approved.
Later on, I would call in every time, refer to that specific ticket number so the phone rep knew what to do, escalate it to fraud, and then they’d manually approve it.
After I did this for ~5 accounts, it became tedious, so on one of these calls, I asked Ally to see about fixing it so I don’t have to call in every time — to basically abide by their own 20 accounts limit. The phone rep created a separate ticket for this request, but I didn’t imagine they could do anything to address it. But a month later, they called me and said it was fixed. They couldn’t tell me what was done, but it worked.
Ever since, I’ve had no issues adding more accounts, as long as it’s within the 20 limit..
Anyhow, Alliant’s website/interface is easier to use, and I largely switched over to them years ago. But occasionally, I use Ally to trigger bonuses and to transfer larger amounts around as Alliant has lower limits.
Thanks for the reply and info


Jim . I’m still getting the runaround after numerous times calling and even after speaking with the fraud department last week. He said my issue was resolved and ticket closed on Dec 2 (of course no one advised me of that) but when I tried last week, still could not create a new account so now I guess the ticket is again open per that rep.
No way to run a bank that’s for sure.
Yea, definitely puts the onus on the account holder to do all the calling/legwork, which is poor business practice.
I’m not surprised they didn’t notify you of the status. I had to call in myself about a ~quarter of the time. I just put it in my Calendar to call after a few weeks if they didn’t call me first.
Keep at it, hopefully they fix your account internally with some more time
I wouldn’t even mind if I had to call to have one of their reps create the account for me but even that didn’t work. Have been stuck trying to move large sums around with banks/ credit unions that have small transfer amounts so has been a frustrating affair.
Thanks for your time and info.
I recommend CIBC Agility. They hold incoming transfers for two days and they allow large transfers (after the first 30 days). Transfers are next day.
That looks like a good one, anyone have any info on CIBC bank as a hub bank, have never seen them mentioned any where before.
I’ve been using them for years. An issue is that they don’t have the top interest rates. But its easy enough to push funds that you don’t need for a while to a top bank like CFG. Also, they have eliminated the six monthly transaction limit.
The biggest problem is that they don’t allow ACH pushes for the first 30 days.
A bad thing about CIBC: Transfers into your account at CIBC will be available on the 11th business day after receipt into your account if your account has been open 90 days or less.
Not sure if this is spelled out anywhere or only those of us who have run up against it have noticed, but USAA does not allow you to add more than 6 accounts in 6 months. They also do not allow you to have more than 7 accounts total linked, unless you had them added before the limit was implemented (late 2021?)
Thanks, added a link above
discover is not a good hub account. I added 3 external accounts and it locked me out. seems like others have ran into the same issue: https://www.reddit.com/r/discover/comments/wy2u9j/discover_locked_my_savings_account_for_adding/
update: just got off the phone with discover. so the issue was due to my attempt to link Chime. There is a list of banks that are blocked and any attempts to link them as an external attempt will result in an account freeze. I wasn’t able to get a list of blocked institutions and the rep only said the bank corp is one of them (which chime uses)
Thanks added a note/link
https://www.doctorofcredit.com/hub-accounts-ach-transfers-capabilities-fees-limits-across-financial-institutions/#comment-1498627
SoFi is another popular Bancorp bank. USAA won’t allow Chime either (doesn’t recognize routing #) but works fine with SoFi.
How to check out of navy federal cu member to member does it send code to phone or to email ?
The listing for Citizens Bank claims a $3 fee for ACH transfers. I see no evidence to support this.
Also, SunTrust and BB&T have merged into Truist ($3 outbound ACH, free inbound).
Maybe it was removed, thanks, believe things should updated now
Citizens corrected—thanks for that—but BB&T and SunTrust are still listed & should be deleted.