Hub Accounts – ACH Transfers: Capabilities, Fees, and Limits Across Financial Institutions
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
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
| 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
| 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
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 | | | | |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $0 1 | [Pull] 5 2 [Push] 1-3 2 | 3 1 | | 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
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 | | | | |
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
** 25,000 Weekly Limit
*** DP of $2M Limits
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 |
| 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 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 | |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| 3 | | | | |
*DP
BBVA
| 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* | |
| Pull | Yes | $0 | | $2,000* | $5,000* | |
| 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 | | | |
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
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
Chase Bank
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | Yes | $0 | $10,000* | $25,000* | | |
| Pull | Yes | $0 | $10,000* | $25,000* | | |
*Higher Limits for Premium Accounts; Some Negative Chase ACH DPs
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $1,5001 | 1-22 | 253 | | | |
Post on Chase Instant ACH Transfers
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 | 6 | | 6 | Savings Account |
*Per CSR, Previous Reported Limit $5,0002
Additional comment on transfer speed, funds hold
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 | | 6 | |
Citizens Bank
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | Yes | $32 | | $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 | | | | |
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | No | | | | | |
| Pull | No | | | | | |
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)
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $03 | Push 2-3 days Pull Longer2 | | | | |
DCU (Digital Federal Credit Union)
DP on setup
DP on limits
DFCU
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | Yes | $0 | | $2,500 | $5,000 | Min Tran $1 |
| Pull | Yes | $0 | | | $10,000 | |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $01 | | | 5 | 20 | |
Discover Bank
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | Yes | $0 | | | 250,000 | $300K Combined |
| Pull | Yes | $0 | | | 250,000 | Min Tran $256 |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $02 | Slow | 307 | | | Longer Hold Times1, * |
* More comments on speed: 3, 4, 5, … [Update 2019-03: perhaps quicker speed: DP]
Possible security flags raised on ACH In only transactions, or just a lot of linked accounts8
Elements Financial 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 |
| $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
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 | | | |
| Pull | Yes | $0 | | | | |
Cash Management Account
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $04 | 1-2 Push3 | Unknown* | | | |
*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 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 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
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* | |
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
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| 3 | | | | |
KeyBank
| ACH Type | Avail | Fee | Tran $ Limit | Day $ Limit | Month $ Limit | Notes |
| Push | Yes | $0 | | $5,000 | $20,000 | (Very) Slow Setup1,5 |
| 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 |
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 | |
| 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
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
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
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 | Yes | $0 | | | | |
*Per Stacy’s DP, thanks
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| | No Limit | | | |
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)
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | |
| $0 | 1 | >9 | | 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 | | | | | |
| 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 | | | | | |
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. 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 | |
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 | 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 | | | | |
| Pull | Yes | $0 | | | | |
*DP
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $0 | 5-7 | 3 | | | |
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 | No Limit* | | | |
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
| 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 | $3 | | | | |
| Pull | Yes | $0 | | | | |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $2,500 | | | | | |
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 | | $5,0003 | | |
| Pull | Yes | $0 | | No Limit | | |
| NFB | Speed | Acc Limit | Day Tran Limit | Month Tran Limit | Notes |
| $01 | 32 | 64 | | | Acc Limit per CSR |
*Possible Exceptions up to $30,000 (transfer limit)
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 | | | | |
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 | | | | |
| Pull | Yes | $0 | | | | |
| 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* | 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 | | | | |
*Platinum Account may not charge $3 fee, per Jennifer M
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 | | | | |
*Same Day ACH Transfers reflected instantly4
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
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 | | | |
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 |
| | | | | |
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!
wpDiscuzComment Author Info 
1-Month Xbox Game Pass Ultimate Subscription For $1 (New or Inactive Accounts) April 5th | by 
[IL only] Andigo Credit Union $500 Checking Bonus + $50 April 5th | by 
Southwest Allowing Customers To Change All Flights For Free (Including Cost Difference Between Flights) April 5th | by 
Sprint Extending Free Plan Until 6/30 April 5th | by 
IHG Announces COVID-19 Response: Free Night Certificates Being Extended April 5th | by 
I use Schwab as my hub, and as my primary account. They work really well(next day transfers, no fees, unlimited linked accounts) but I’m worried they’ll shut me down for so many random ACHs.
Thanks, I’ll update the post
why would they shut you down
Moose Cow
Great post! So far I have used Capital One 360, which is my everyday checking account, to trigger the Tech CU & US Bank bonuses. Fingers crossed it will work for Bank of the West as well. But I’ve been thinking about this exact topic recently, as Capital One limits external accounts to 3 at a time. I’m considering opening Ally or Discover checking, but as they don’t offer any bonuses I’m more inclined to try my luck with Tech CU and/or Fidelity first, with whom I already have accounts.
Thanks! Adding your DP
Capital One 360 is great for pushing to trigger dd at other banks and even though they limit to 3 at a time, you can delete some old accounts and add new. After a while though, all this changing of linked accounts sends up red flags with them, as if it’s some hacker try to steal their customer’s money. Then they freeze your accounts completely and you have to call and explain a bit before they unfreeze. This has happened to me, hubby and our 20 yr old son. It gets old and can be a real problem since I use multiple Cap One savings accounts to help me budget. Now, EVERY time we try to link a new account, we get frozen.
Patti, sounds frustrating, thanks for sharing
RE: CO360, IME, they closed my acct because one of my external link was prepaid which they don’t consider a bank. It’s odd that they allowed it for over two yrs(!) before they noticed it was prepaid account I was pushing money monthly.They limit to 4 external accounts and it didn’t take long after they removed the link to a prepaid that they closed my account. It was the ‘best’ thing that happened to me because it paved the way for me to look into other CUs for bank mining purposes. That was one of the best good-byes that happened to me which brought huge financial gain.
Thanks, linked above
TL/DR–Write checks instead of ACH
Instead of my usual pull ACH from my Discover hub or push from satellite banks, I wrote 2 checks from the banks and mailed them using the provided postage free envelope. I expected it to take even longer than the usual ACH with the several day hold that is the norm. Mailed them Saturday, both cleared yesterday (Tuesday) and funds are available and even posted to the other banks. I intend to mix it up more in the future.
To clarify, I meant they were shown as already paid by satellite banks
Good Point
The convenience and properties of ACH transfers are nice, but other transfer methods often have a lot of value
Santander Bank Push to other banks only. ZERO $$ Fee.
Proof: ACH from Santander Bank to my BankAmerica savings account tied to my MLB CC card for the extra 10% CC reward.
And is super fast — push initiated at 11pm could arrive at 3am (same night).
Both Consumers CCU and Fidelity CMA also push/pull with no fees.
Thanks, I’ll update. Have you ever had problems adding accounts online with the Fidelity CMA, could of swore others encountered problems in the past. Maybe it was just temporary.
I have added six outside banks to Fidelity Investments Money Management without trial balances. All have push and pull ability without a fee either way.
Maybe I should expand my answer. My Fidelity Investment money management activity is an extension of my full fledged Fidelity Investment cash trading Account. AFIK, I do NOT have an account referred to as Cash Management Account from Fidelity – Fidelity Investments.
My perception is Cash Management Account from Fidelity – Fidelity Investments is a different creature.
Thanks, I’ll work to break these apart
Made PUSH orders out of Fidelity Investments Cash Trading account Nov 22.
Nov 23 – Wells Fargo credited my regular checking account as Cash Available $5000.00
—
Nov 22 – Created new entry in Cash Management to push/pull new Citibank account ($400.00 bonus account)
Created Push order transfer $500.00 to new Citibank account $500.00 credited @ Citibank Nov 25th (Nov 24 was bank holiday Thanksgiving)
Thanks, Jeff. So, I’m reading that as those push transactions took essentially 1 and 2 business days respectively. Will update, appreciate it.
Ive added about 12 bannks with fidelity. 50% of the time it links automatically. If its a small regional bank, then a medallion stamp is needed, one way to avoid this is to go to a fidelity branch. Other problems that arise is newly opened checking accounts often generate the ews warning, usually takes a few weeks to be able to auto link after. the rwgional banks just come back with a definite cannot add bank message. i ve done all 3 linkage routes.
Thanks, Adam great summary. I will link to this comment.
Thanks, I’ll update the post
As Jeff H said, Santander only allows push, not pull.
Updating – must have missed that – thanks
If you are in Oregon, Oregon community credit union is a good choice. They have a reward checking account with 1.05% APY, and no fee for push and pull.
Thanks, will add the DP
Oregon community credit union is the new freshly account good for both push and pull
Wellsfargo only charges for next day push transfers on personal checking from my recent experience. I think they used to charge for this tho.
Meant to say they used to charge for standard push transfers but haven’t been recently.
Thanks Sal. I’ll update. Can anyone else confirm?
Can confirm that Wells Fargo has $0 Push ACH charges for 2 business days delivery.
Transfer Limits for “2 business days” delivery are
Daily Maximum $5,000
30-Day Maximum $6,000
Thanks
Wells Fargo. Used to be $3.00
Fantastic News.!! I just did two transfers. Two Day time frame = Zero fee. One day = $10.00. I did not check for any price scale based on amount of the transfer.
I should have indicated my remarks outbound ACH./ DD push for the above remarks. I have never been charged for a normal ACH Pull.
Chase max # of external accounts = 25
Thanks, updating
USAA has a $5,000 daily transaction limit (including transactions already scheduled) for ACH initiated through its website. Then again, ACH transfers are reflected in your account instantly if scheduled for the same day (even when it involves pulling money from another bank).
Thanks, Nick – Updating
Thanks for this comment Nick. I have had this account ever since I opened my limitless card, but never used the account. I just did a transaction for a push and a pull, both reflected a next day posting date, and the “pull” into the usaa account reflected instant credit. I think this account is going to replace my previous hubs, which was fnbo, usbank, and memory bank. All were free push/pulls and fee-free accounts, but they all took 3 biz days to post. I’m also stoked that it’s no account limits, as my main hubs, memory bank and fnbo have 5/6 account limits. Never added any accounts to usbank, so not sure if they have an account limit, but I’m gonna try and add all 12 of my accounts to usaa, as this appears to be an awesome option!! Thanks for this!! I usually don’t go thru all the trouble of adding accounts, since they all seem to take 3 days, but because of your comment, I’ve got a better option!!
hello jennifer…. how did you do that, can you please give me directives ….thanks kelvindavies365@aol.com
I use USAA as my hub for this very reason (and it’s hard to deposit anything to USAA). Note they will call you and ask why you’re doing all the ACH’s. Just have a good reason to tell them.
Any great hub accounts, that currently offer a bonus, or would that be asking for too much? 🙂
Thanks Iz. Trying to compare this page with the current best bonus page and nothing is easily jumping off the page.
But this is a great use case for getting all the data as structured as possible. Hopefully soon you’ll easily be able to filter for this exact thing.
Regarding Etrade, you might want to add that they impose lifetime limits on external accounts.
The first time I hit the limit, I called in and they reset it.
The second time I hit the limit, I called in, and instead of resetting it, they froze the account, and then closed it.
Ouch, but that makes a great data point.
Can you confirm then the limit was 2 external accounts?
Thanks
Don, I have an Etrade account. The limit is 3 external accounts. They are very strict about it. If you delete one of the accounts, the system will memorize that you still have 3 (even though you now have 2) and will not allow you to add anymore accounts during the lifetime of the account.
Thanks – great info
It will be great if you add “Minimum amount of ACH push”. Many banks do not allow small amounts for ACH push. For example Discover minimum is $25, but Ally allows $1.
Thanks, should have thought of that. Valuable information.
I’ll add any minimum data points as notes right now, but separate within the spreadsheet.
Consumers CCU is fine on pushes, the receiving bank usually credits in 2-3 biz days, but when I pull using Consumers it always takes a whole week for them to credit the funds even though the withdrawal showed up in 2-3 days at the other bank.
Alliant FTW in my book.
Thanks, adding
Key Bank info: I use their Hassle Free account as a hub and here are the ACH maximums.
$2k/transaction.
$2k/day.
$10k/week
$20k/month.
That’s in combination for pushes or pulls.
And as already noted it takes several days (5-14 in my experience) to get the accounts linked and approved, especially if adding it with push/pull capability (instead of only push capability).
Appreciate it, updating now
Thanks for a terrific post!
I know none of the banks are perfect, but any idea which one/ones are most likely to be considered DD (for other-bank bonuses)?
Thanks, tough to give you an exact answer because I don’t think we have counts on all the triggering institutions on the List of Methods Banks Count As Direct Deposits page.
You could kind of eyeball it; believe I pulled almost every institution with a reported positive to this page.
Great content Don! Thanks for doing this.
Thanks
Yeah, I couldn’t quite find it when searching the Internet.
So figured I should put something together, quickly realized why all the smarter people than me had passed on this project 🙂
Don, what you gave here is such valuable information. I will use your list going forward! FYI, Discover allows up to max of 30 external accounts added.
Thanks, Julia I appreciate it. Will update.
Regarding the comment on Ally vs Alliant working for direct deposit requirements, the actual issue is whether or not the transfer codes as a P2P (person to person) transfer. Most banks are coding an ACH transfer as a P2P transfer but a few are not. Many banks (Chase for sure) are savvy enough to not allow P2P transfers to count as direct deposits. For the banks you have listed, Ally, Discover, and Schwab do P2P transfers. While I don’t have recent experience with these, Alliant, Chase, and IncredibleBank have not done P2P transfers within the last year or so.
Your point is well taken.Citi Bank pulled deposits into the $400.00 bonus checking account and all additional funds that pulled from Wells Fargo into Citi in the P2P on Citi’s end.
Checking account online says
ACH Electronic CreditCITIBANK XFER P2P JEFF H
About American Express Serve (OneVIP Serve)
ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes
Push Yes Free 2500/Month Overall Spend Limits – Bills + Banks Transfer = $15,000/mo
Pull Overall Load Limits $10,000/mo
Limit Details: https://www.americanexpress.com/serve/help/?anchor=fees-and-limits-1
ACH Push is limited to 1 external account (which you can change)
ACH Push – Serve to Chase, Transaction listed as
SERVE ENTERPRISE EXCHANGE PPD ID: ##########
ACH Push – Serve to SunTrust, Transaction listed as
ELECTRONIC/ACH CREDIT SERVE ENTERPRISE EXCHANGE
ACH Trial Deposit – Serve to SunTrust, Transaction listed as
ELECTRONIC/ACH CREDIT SERVE ENTERPRISE VERIFY
Thanks, I’ll update that now. Sorry, been a little behind recently.
Capital One 360 Savings account doesn’t have the limits you listed, as I’ve pushed > $6K in one transaction many times, including recently. The FWF post you linked didn’t say it was with Capital One 360, it could have been a B&M Capital One account.
Got you. I’ve seen what I thought are multiple conflicting data points on this one, and I don’t have a 360 account.
I’ll clear the value. Do you happen to see any info on limits when you initiate transfers?
Thanks
For Cap One 360, I did two very big ACH’s to two different banks on the same day. No limits listed.
Contacted Chat CSR:
“So in terms of transfer amount, for transfers out the only limit is your available balance. For transfers in, the only limit is our total depositor limit, which is $5 million.”
Great data base, but what about SunTrust bank? It’s not that small, but not on the list.
Database requires datapoints, add them and I’m sure Don will updated the table.
Suntrust tried to access a $3 fee the only time I tried to push but pulls no problem
Thanks
Yeah, I was hoping to sort of seed the page, and let the magic of the DoC community build it out 🙂
I’ll try and track down more info for SunTrust
This should be included into one table with filtering and sorting on columns and linked under the top “Bank Accounts” menu.
Just added it under the top bank accounts menu.
thanks for doing this. as a new churner, this was an inevitable task.
Thank Don, he’s doing all the work on this page.
Building out the table now (probably take a few days).
It will be added to the DoC Bank Account Quick Reference Table
Santander Bank has $5k daily and $20k monthly limits for ACH push.
Thanks, updated
TIAA Direct has max 6 ACH accounts as noted. However, if you delete one or more of those accounts, you can’t add any new account (even if you delete 5 of them, you still can’t add one more) until calling customer service and asking them to reset your list. I did this and it was an easy 2 minute phone call.
Thanks for the info
When was the last time you tried this? Earlier today I removed 1 of my 6 external accounts and immediately linked a new 6th account with no issue.
Currently using Ally as my hub. Have 12 linked accounts, with 0 problems…free ACH pushes and pulls, super easy transfer interface. I was considering transitioning to my CapOne360 account as my hub but disappointed to read that they only allow 3 linked external accounts
Thanks for sharing
Also, with CapOne360, if you delete 2 of the 3 external accounts, they will only let you replace them one at a time. When you start the process of adding the second, they lock you out of adding the third until you have gone through the multi day process of verifying the test deposits of the second and it becomes an official external account. THEN it will let you begin the process of adding the third.
Thanks, Linked above
DP: CCU daily limit is $1000, rolling 30 day limit is $5000.
Thanks Tomtoo, will update
Want to clarify – this is dependent on what tier of the rewards checking you qualify for each month. Apparently I’ve only tried transferring after I met Tier 3; I don’t know what happens if you try transferring funds before you meet requirements for each tier.
– Max $1,000.00 per day/ $5,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $1,000.00-$4,999.99 OR if your Free Rewards Checking requirements were met for Tier 1.
– Max $2,500.00 per day/ $10,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $5,000.00-$9,999.99 OR if your Free Rewards Checking requirements were met for Tier 2.
– Max $5,000.00 per day/ $15,000.00 per month- this limit is for Members that have a CCU Loan OR a CCU Visa Credit Card that has a credit line or outstanding balance of $10,000.00 and higher OR if your Free Rewards Checking requirements were met for Tier 3.
Thanks for the info, linked to your comment from above.
A good thing to know about Santander is you can add external accounts instantly without the test deposits or the usually failing “instant verification” procedure. They just make you enter your debit card number and pin when adding an account, and you are good to go. It has really helped me a couple times when I needed to get some money into another account quickly that wasn’t yet registered.
They are usually very fast – I have actually had one or two transfers show up in the external account the next business day, though that is rare. Their transfer cut-off time isn’t until 7PM eastern.
Valuable info, thanks, will add