Posted by Don L on November 16, 2016
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Published on November 16th, 2016 | by Don L

163

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

Contents

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

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; Lower limits first 30 days DP

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

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.

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

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

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

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

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 25,000 50,000
Pull Yes $0 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.

BBVA

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

BMO Harris

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

* New accounts cannot ACH push for 90 days1,2; max $5,000 mobile deposit/5 days3

Capital One 360

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

 

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, DP of greater than 6K6

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*

* 1

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

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

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

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 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

Community Choice Credit Union

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

 

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

Pull Longer2

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, …

Possible security flags raised on ACH In only transactions, or just a lot of linked accounts8

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

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 5,000
Pull Yes $0

 

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

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

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*

*No Balance option to waive fees on lower tier accounts1

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

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

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

 

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

 

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)

KeyBank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes
Push Yes $0 $2,000* $2,000 $20,000 (Very) Slow Setup1,5
Pull Yes $0 $2,000 $2,000 $20,000

*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

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 $32 $10,000 $100,000
Pull Yes $0 $20,000 $100,000

Most values per CSR

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

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

Nationwide Bank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes
Push Yes $0 $10,000* No Limit* Min Tran $1
Pull Yes $0 $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  No Limit

Navy Federal Credit Union

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

Northpointe Bank

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

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

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

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

Netspend Metabank cards blocked

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
101

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

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

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

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)

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 Farm Bank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes
Push Yes2 $0  No Limit* Min Tran $1
Pull Yes $0

*Per CSR

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
$5001  No Limit*

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 No
Pull No

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

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)

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

 

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

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

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

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

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!

 



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

  1. Moose Cow says:

    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.

  2. David B says:

    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.

    • Don L says:

      Thanks! Adding your DP

    • Patti says:

      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.

  3. arch says:

    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.

  4. Jeff H says:

    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.

    • R. says:

      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.

      • Don L says:

        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.

        • Jeff H says:

          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.

          • Jeff H says:

            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.

          • Don L says:

            Thanks, I’ll work to break these apart

          • Jeff H says:

            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)

          • Don L says:

            Thanks, Jeff. So, I’m reading that as those push transactions took essentially 1 and 2 business days respectively. Will update, appreciate it.

        • adam d says:

          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.

    • Don L says:

      Thanks, I’ll update the post

    • Chuck says:

      As Jeff H said, Santander only allows push, not pull.

  5. Arthur says:

    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.

  6. Sal says:

    Wellsfargo only charges for next day push transfers on personal checking from my recent experience. I think they used to charge for this tho.

  7. daxihe says:

    Chase max # of external accounts = 25

  8. Nick says:

    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).

  9. Iz says:

    Any great hub accounts, that currently offer a bonus, or would that be asking for too much? 🙂

    • Don L says:

      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.

  10. Dirah says:

    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.

  11. Miz says:

    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.

    • Don L says:

      Thanks, should have thought of that. Valuable information.

      I’ll add any minimum data points as notes right now, but separate within the spreadsheet.

  12. Russ says:

    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.

  13. Mod says:

    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.

  14. Iz says:

    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)?

    • Don L says:

      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.

  15. Valuetraveleroz says:

    Great content Don! Thanks for doing this.

  16. Tom says:

    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.

    • Jeff H says:

      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

  17. Yet Another Redditor says:

    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

  18. docreader says:

    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.

    • Don L says:

      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

      • Gadget says:

        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.”

  19. Lily says:

    Great data base, but what about SunTrust bank? It’s not that small, but not on the list.

  20. EugeneV says:

    This should be included into one table with filtering and sorting on columns and linked under the top “Bank Accounts” menu.

  21. Pavel says:

    Santander Bank has $5k daily and $20k monthly limits for ACH push.

  22. Curmudgeon says:

    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.

  23. Superchurn says:

    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

    • Don L says:

      Thanks for sharing

    • Tomtoo says:

      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.

  24. Tomtoo says:

    DP: CCU daily limit is $1000, rolling 30 day limit is $5000.

  25. Tomtoo says:

    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.

  26. Sarah says:

    Capital One 360 counts transfer pushes from Ally Bank as P2P, not direct deposit.

  27. Gadget says:

    It’s a sad day, or maybe a day for bragging rights. I got my hub account shutdown. I just got two letters in the mail from Discover stating I have about 30 days until my accounts (savings & checking)will be closed. No explanation was given. I always have thousands in their bank – never bounce checks – don’t abuse their 10 cent rewards (like some might pay a bill ten times in small increments) – pay real bills using bill pay – but I do a lot of ACH transfers, have lots of ACH accounts.

    I called to inquire why am I getting this letter. Answer was basically that they reserve the right to close any accounts as they see fit. I can reapply at any time, and will be subject to new account opening rules. They are going to continue to perform all transactions up until date stated in letter. As long as the accounts are in good standing when closed, no derogatory remarks would be made to CRA’s. And lastly, I asked if I should expect my Discover CC to get shutdown as well, and said that they do not have the ability to look at CC accounts but could transfer me. I declined the phone transfer – no point in raising eyebrows.

    I think I got on their radar by setting up ACH transfers for a Schwab brokerage account that was for ACH IN only. Well, the return debit of their two trial deposits not going through probably flagged the security department. The error had a phone number to the security dept, but I didn’t bother calling. Also, about a month ago, I tried to setup a credit union savings account ACH that had the same kind of rules – ACH in allowed – No ACH out. I deleted the error then too. I speculate that is what got me booted, but I don’t know for sure. I imagine I will find a soft inquiry from Discover on my Chex next time I pull it.

    So, bonus chasing has claimed one of my checking accounts… luckily, I have plenty of others. I have been at this hobby hard since May 2016, and Discover was my go-to machine for moving funds.

    My advice: Don’t setup ACH accounts with Discover that can’t go both in & out ACH. Also, have a backup plan account – I did, so this doesn’t bother me.

    • Don L says:

      Gadget,

      Sorry for you shutdown.

      Thanks for sharing this valuable info – I’ll link down to it.

      • Gadget says:

        Thanks. No worries. Just a pain to clean out the accounts and ensure nothing else hits them. I just wish they would give me a straight answer on why I was being booted.

        After giving it some more thought, another thing that may have had something to do with my shutdown is transfers to and from Netspend and Insight Pre-paid cards. I saw awhile back someone mentioned Discover was “picky” about those pre-paid cards, but I never had an issue adding them last year, and been doing transfers to and from several accounts since mid-2016, at different intervals; nothing too strange. I probably should just close the Netspends since they instituted that low cap on the savings accounts. I was hoping they would up the cap again, and maybe get some referrals.

      • lingua says:

        oh nice!

        I was just reading about another shutdown comment in another post and though it might be another helpful post or chart to document these. Not sure what that would look like, but good to know some DPs are added here…but only from these comments. I guess that would require some continued added DP from other posts comments on shutdowns. That said would this be the best place for those? just thinking aloud lol:)

        • Don L says:

          lingua thanks

          Feel free to share DPs at the closest place. We can always link to it from the resource page (or in the future when that page gets built).

          Shutdowns – or at least a shutdown dimension has been on my to do list for a while, going to try and put some stuff together in March

          • Gadget says:

            Oh, and about a month later they shutdown my Discover credit card. “A business decision was made”… but once again, no specific details as to why. High 700 credit score, I don’t MS, or even max spend my category limits, and pay in full every month, but apparently I am a risk! Letter states credit report remarks will state “closed by grantor”, which per my research means nothing derogatory. Whatever. One less category spend card I have to keep track of each month.

  28. Dan says:

    Anyone ever try using Redneck Bank? It’s a silly name, and they have a silly website, but the bank itself actually looks decent. Tempted to open an account there just for the sheer amount of looks I’d get when using the card.

  29. Matt says:

    Two data points:

    1. Tech CU has free one-day transfers, push and pull. They are also based in California, so if you’re on the East Coast like me, you get an extra 3 hours for the end-of-day deadline. That’s a nice feature.

    2. Ally Bank has free one-day transfers, push and pull. However, after several messages with their customer service, I’ve finally learned about this restriction:

    “External accounts are currently ineligible [for one-day service] as you must wait sixty days after making an inbound transfer of at least $200 before you will be eligible.”

    This only applies to pulls (pushes seem to always be one-day no matter what). So there is a 60-day waiting period before it is “enabled” for new external accounts, but it looks like Ally can do one-day pulls for free as well. I am still in the 60-day waiting period at this time, so I can’t verify for sure if that customer service agent was correct. I will report back in another month or so with another update.

    Thanks for all you guys do, this is the best site ever!!

  30. Steve says:

    Just heard from my credit union Fairwinds. They gave me 2 options, either set up a pull from receiving merchant which Santander doesn’t pull. Or a bill pay which they said can go either by check or electronic. Question is does a bill pay count as a ACH to trigger the bonus?

    My other option is I could use a Wells Fargo account to try a push but its only a personal account, so may not work. Has anyone used the bill pay option?

    • Don L says:

      Steve, I’m not sure if bill pay will count, probably not. Wells Fargo isn’t a data point for triggering the Santander bonus, but people have been successful with a number of other institutions in the past:

      https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Santander_Bank

      • Steve says:

        Strange because it actually says Wells Fargo under the Santander spot. Maybe I’m reading it wrong and it doesn’t mean what I think.

        The two Amex cards listed are cash cards, how does that work? You load cash and then do an ACH from the cash card? I just hate to do one transfer and then find out later it wasn’t correct and have to do another.

        Appreciate it, thanks.

        • Don L says:

          Oh, you got me, my eyes must not be working right today.

          Amex Cards (Bluebird, Serve) – yes, right.

          My Serve was shutdown a long time ago, but Serve has/had an option to load by Amex CC $1,000/month and some stores allow the cards to be loaded with VGCs instead of cash. This activity generally leads to shutdown 🙂

          There is some risk that a transfer may not count to meet the account requirements, the bank could always change their system or configuration.

  31. daxihe says:

    Wells Fargo Acc Limit = 10

  32. Don L says:

    daxihe, thanks for the info, will update

  33. Ken says:

    How many external accounts can you have linked with Alliant, and is there a minimum for ACH?

  34. Ken says:

    Can Alliant or Ally do $1 ACH in and out or is there a minimum? Discover’s minimum is $25 and it drives me crazy. Looking to switch.

  35. RG says:

    DP: Chase total checking gave me my $300 bonus after an ACH transfer from my Wells Fargo Way2Savings account. Transfer posted on April 6, 2017, Sign-up bonus posted on April 12!

  36. Stacy says:

    Navy Federal customer service states no limit on number of external accounts. No fee, $5000 per day push limit. Pull offered only on loans.

    All veterans eligible to join.

  37. Jeff H says:

    Just got a BMO Harris checking account off DoC’s Best Bank list. CC funding. After setting up on line account, I talked about ACH.DD with Harris CSR. No Fee inbound or outbound. BUT new accounts cannot outbound ACH.DD transfers for 90 days.

    CC funds available almost same week. No minimum balance. Can ACH.DD pull the CC money out before the CC bill is generated by the CC company.

  38. Andrew (SJC) says:

    Maybe another column with Zelle would be useful

    • Gadget says:

      I was just asking Doc about that… Zelle is rebranded clearXchange. I have never used it, but a banker recently tried to sell Zelle to me as the next sliced bread and “all banks” were going to start using it. EWS bought clearXchange and of course, the big banks that are currently EWS to screen new accounts seem to be hopping onboard first.

      From what I can tell, Zelle seems to be geared toward P2P payments. We, the bank account bonus miners, are more interested in triggering DD requirements and moving our own money to our own bank accounts. We want “me2me” transfers that are quicker and free!

      • Andrew (SJC) says:

        While I was familiar with clear exchange, the branding is important to build buzz and compete with Venmo and the lot.

        I feel as though Me2Me will work, each bank needs a sep email on file, so Email1@bank1.com to Email2@bank2.com will enable instant transfers, vs the 1-5 day ACH system. And my point to adding it here, it may similarly trigger ACH/DD, since it is new and banks may not code it/understand it properly.

        It is embedded in banks apps and websites, and will eventually have it’s own app.

        • Don L says:

          Sounds good. If you have any Zelle/ClearXchange data points/information feel free to share here and I’ll update in the post above.

          As it rolls out to more institutions, I can set aside some time at some point to do a roundup and grab publicly posted limits.

  39. Jason says:

    you missed bank of the west

  40. Don L says:

    You ask and we answer! [within a day … possible within a month … at most two months 🙂 ]

    Bank of the West chat supports says $3 fee for ACH pushes.

    CSR notes no limits on daily or monthly dollar transfer limits, transaction limits, or number accounts. But the fee is probably a killer for most.

    I’ll update above.

  41. Janet says:

    Hi, missed First National bank info here..XD

    • Don L says:

      Thanks Janet, sent an email for information to First National Bank

      But if you ever open an account, would be interested to know if you see any limits in the transfer dialogue box.

      • Don L says:

        Received this back in support email.

        “The limits are based off of account history, balance, length of time the account has been opened, and numerous other factors. The standard fee is $0.50”

  42. J says:

    Alliant 10K limit is not completely accurate. The outgoing limit from alliant to an external bank (push) is $2500. Spoke to numerous CSRs about getting the limit raised w/o success.

    • Don L says:

      Thanks, J. I’ll link down to your DP.

    • Bob says:

      The limit for Alliant ACH push is $2500? No way. I push $5000 all the time…it must be something with your account

    • Ken says:

      The low limit is only for new accounts. This is what I was told in a SM:

      The limits are lower for the first 30 days of membership. Within these 30 days you are only able to transfer out up to $2500 and transfer in up to $10,000 per day. After 30 days you will be able to transfer out up to $25,000 and transfer in up to $100,000 per day. I apologize for any inconvenience this may cause.

  43. Curmudgeon says:

    BMO Harris has a max $5000 via mobile deposit every 5 days. Accepts WalMart money orders via mobile deposit with no problem.

  44. kirk says:

    had capital one 360 checking for a month now and i’ve been trying to link different external checking accounts but i keep getting “Unfortunately, we can’t process your request online. To add a new link, choose one of the options below. – Option 1 – Verify Your Info By Phone Option 2 – Add a Link By Mail”

    is this normal with capital one 360? it won’t even let me verify through trial deposit like all the other accounts i have. i was hoping in keeping it to trigger DDs in the future. *sigh*

  45. Don L says:

    From SinbadS on FatWallet – possible 10 external account limit for PurePoint Financial.

    https://www.fatwallet.com/forums/finance/1584721

  46. Milo says:

    Is there somewhere a guide how to do an ACH transfer with Chase? I don’t see such an option on my account. Just spoke on the phone with them and they told me I can just make an online transfer with no fee I said I need to be considered as an ACH transfer to be counted as an DD then she said I need a business account for that. I google it and it says it cost 25$ per month for a limit of 25 ACH. How do the people do it here? Can you do them individually or you have to pay 25$ a month? That doesn’t sound right to me. Do I really need a business account? Please someone help. Thanks.

    • Don L says:

      Milo,

      If you’re looking for an ACH to trigger a Chase bank bonus – it might be helpful to take a look at this post:

      https://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#Chase

      • Milo says:

        Thanks. I was looking actually how to trigger my community bank bonus with a Chase ACH. But I thought an ACH is some special transfer but I think I just figured it out that any bank transfer is an ACH if it not a wire. Is that correct? So with another words it is just an online transfer from bank to bank and other institutions?

        • Don L says:

          Yes, that sounds right.

          Sometimes any transfer like from a bank will trigger the bonus. Sometimes the bank will filter out different types of transfers or even manually review the source of the transfers.

      • Jason says:

        Hi Doc Require BBVA compass bank info.

        • We add information as it’s reported to us.

          • Don L says:

            That’s right, we mostly perform the service of organizing/collating community provided DPs.

            I don’t have a BBVA personal checking, but I put in a request to customer support for the ACH data. Does seem like a bigger institution that is missing.

          • Don L says:

            Just received a canned response:

            “Online banking limits vary for all online profiles. To view the limits for your account, you may view this information in your Online Banking profile when trying to make a transfer. Please be advised that these limits are determined by a variety of factors including account balances, your account history and relationship with the bank.”

            So we’ll probably need some DPs for the default values

          • Don L says:

            Except it looks like BBVA does charge $3 on outbound ACH transfers, will update above.

  47. Jason says:

    Hi Docrequire BBVA compass bank info.

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