Hub Accounts – ACH Transfers: Capabilities, Fees, and Limits Across Financial Institutions

November 16, 2016, 16:05

Contents

1 Quick Summary
2 Brief Intro
3 Definitions Table
4 Financial Institutions
5 A Few ACH Strategies
6 Warnings
7 Final Notes

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

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

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

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

$15,000*

$45,000*

Next Day $7

Pull

Yes

$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

$10,000*

SafePass Enrollment Req.

$10 Next Day, $30 Same Day

Pull

Yes

$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~~

~~DP, Larger limit MM DP~~

Blue Federal Credit Union

ACH Type

Avail

Fee

Tran $ Limit

Day $ Limit

Month $ Limit

Notes

Push

Yes

$2,000*

~~$5,000~~*

10,000

Pull

Yes

$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 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	3^5,6,7			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
$1,500^₁	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 Times^{1, *}

* 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
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

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

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 – 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

$5,000

$20,000

(Very) Slow Setup^1,5

DP of Increased Speed

Pull

Yes

$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

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

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

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

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

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*

*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

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

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
$0^₁	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

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	2-3^2,4	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:

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!

730

Leave a Reply

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Jason_08

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.

Jason_08

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$ ?

Larry

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.

Ron

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.

Taz

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.

Shirley

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.

Looney Tunes

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.

midas89

@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.

midas89

Shirley Alliant Credit Union might be a good Hub for you based on your “requirements” … Alliant Credit Union offers easy membership eligibility for everyone. I have been with them since 2008, and have never had a problem. If you pull money into your Alliant account, availability will be speedy. They are not enforcing Regulation D.

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.)”

Shirley

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.

Looney Tunes

midas89 do you know how many external accounts Alliant allows you to setup?

Jim

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

Looney Tunes

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?

Jim

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.

Looney Tunes

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.

Jim

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

Looney Tunes

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.

midas89

Looney Tunes I currently have 12 external accounts linked at Alliant Credit Union. I don’t know the total, but I see that it has been posted here that Alliant allows 25.

Harold

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.

Shirley

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.

Harold

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.

Harold

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.

Bockrr

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?)

Don L

Thanks, added a link above

quango

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/

William Charles

quango

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)

Don L

Thanks added a note/link

Zal

Don L Can you update the Discover note to name SoFi too? Also could you add a similar note under Marcus? Marcus blocks SoFi (Bancorp) as of November 2022, which I mentioned here recently:

https://www.doctorofcredit.com/hub-accounts-ach-transfers-capabilities-fees-limits-across-financial-institutions/#comment-1498627