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

Contents

Advantis Credit Union

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

Affinity FCU

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

*DP

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

All America Bank (Redneck Bank)

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

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

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

Alliant Credit Union

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
$0 4 1 1,2 None 2

25

 No Limit6 Interest Checking 3

*Alliant restriction/throttling DPs

Ally Bank

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

Ally may no longer be offering next day transfers

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

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

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

Amalgamated Bank

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

 

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

Amegy Bank (of Texas)

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

*DP

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

American Express Bank (Personal Savings)

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

Amex DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
$0 1 [Pull] 5 2

[Push] 1-3 2

 3 1

43

 6 Savings Account Withdrawal Limits

American Express Serve

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

*More Detail See Data Point3

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

** 1 Account at a time

Andigo Credit Union

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

DP

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

Aspiration

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

 

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

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

Atlantic Union Bank

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

*DP

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

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

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

Maybe Less

 

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

*Initial $2,000 per day, $5,000 per month first 90 days1,2

Bank of America

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

$0

 $10,000* ** SafePass Enrollment Req.

$10 Next Day, $30 Same Day
Pull Yes $0 $10,000

 

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

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

** 25,000 Weekly Limit

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

Bank of the West

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

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

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

Bank5 Connect

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

 

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

BankMobile

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

 

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

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

BB&T

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

Merged into Truist

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

*DP

BBVA

Note: BBVA was purchased by PNC

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

Blue Federal Credit Union

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

10,000
Pull Yes $0 $2,000* $5,000*

10,000

 

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

*DP

BluPeak Credit Union

(See discussion on initial, and eventual transfer maximums)

 

BMO Harris

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

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

** Data on Limits DP, new interface DP

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

BrioDirect

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

*DP

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

Capital One 360

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

*A prepaid card link warning

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

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

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

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

CFG Bank

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

*DP

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

Charles Schwab Bank

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

High Yield Investor Checking

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

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

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

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

Chase Bank

*Warning about Chase ACHs*

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

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

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

Post on Chase Instant ACH Transfers

Chime

Min Transfer $1

CIBC US

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

*DP, DP

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

Circle (Mobile App)

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

*DP per PS

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

CIT Bank

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

CIT Bank Online Banking – Might be only a savings account

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

*Per CSR, Previous Reported Limit $5,0002

Additional comment on transfer speed, funds hold; DP

Citibank

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

 

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

Citizens Access

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

$0

 $250,000 $1,000,000
Pull Yes $0 $1,000,000 $5,000,000

*DP

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

Citizens Bank

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

 

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

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

Columbia Bank (NJ)

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

*DP

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

Comenity Bank

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

Community Choice Credit Union

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

Connexus Credit Union

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

Consumers Credit Union (CCU)

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

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

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

Pull Longer2

DCU (Digital Federal Credit Union)

DP on setup

DP on limits

DFCU

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

 

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

Discover Bank

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

 

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

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

Elements Financial Credit Union

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

* DP, DP

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

Emigrant Direct

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

 

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

Empower Banking

Possibly weekly $2,500 ACH Limit DP

Essex Bank

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

ETrade Bank

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

 

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

*One account for the first 60 days, per CSR.  Strict lifetime(?) limits see3,4

Evansville Teachers Credit Union

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

*DP (Initial Limits)

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

EverBank

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

 

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

*CSR and 4,5

Fidelity Investments

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

Cash Management Account, DP

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

*Online Linking works some of the time2

Fifth Third Bank

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

*DPs per JT, IS250

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

First Citizens Bank

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

First Federal Bank

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

 

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

First Foundation

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

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

First Internet Bank

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

 

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

First Merit Bank

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

 

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

First National Bank

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

First Tech Federal Credit Union

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

DP

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

First Tennessee Bank (Capital Bank)

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

 

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

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

Flagstar Bank

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

 

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

FNBO Direct

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

 

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

*Maybe 6 and notes of FNBO Bill Pay Feature

Fremont Bank

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

GTE Credit Union

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

DP

Hanscom Federal Credit Union

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

*Limits based on linked system (per CSR)

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

Heritage Bank

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

*DP, DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

HSBC

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

*Per CSR

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

*No Longer servicing basic bank account DP

Huntington

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

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

DP* – Larger Limits (looks to be dynamic)

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

Incredible Bank

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

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

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

3 – Out

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

Investors Bank

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

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

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

KeyBank

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

DP of Increased Speed
Pull Yes $0 $5,000 $20,000

*New DP; *Combined Push/Pull4

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

Lake Michigan Credit Union

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

* Bill Pay

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

Laurel Road

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

*New DP, DP

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

Legacy Bank and Trust

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

DP

Level One Bank

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

Live Oak Bank

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

DP

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

M&T Bank

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

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

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

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

Push not available for business accounts?

Marcus (Goldman)

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

 

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

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

Chime Bank and others (SoFi) may be blocked

Merchants Bank of Indiana

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

*DP

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

Memory Bank

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

 

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

*DP

Morgan Stanley Cash Plus

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

*DP

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

Morrill & Janes Bank and Trust

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

*2019 Acquired by Bank of Blue Valley – DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

Moven

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

 

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

My Savings Direct (MySavingsDirect)

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

 

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

*DP

Nationwide Bank

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

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

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

Navy Federal Credit Union

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

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

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

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

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

North American Savings Bank (NASB)

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

*DP, Newer DP (Lower Limits)

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

Neighbors Bank

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

*Initial Limits – then varies

Newtek Bank

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

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

*DP

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

Northern Bank Direct

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit
$0 1 3

10

 6 10 transfers to per day

100 transfer to per month

Northfield Bank

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

*DP per CSR

NFB Speed Acc Limit Day Tran Limit Month Tran Limit

Northpointe Bank

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

One Financial

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

*DP

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

OnPoint Community Credit Union

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP – $100K+

Oregon Community Credit Union

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

 

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

*Remarkable Checking2

Paypal

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

*DP per PS

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

1-2 Day Push*

Parkside Credit Union

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

PenFed Credit Union

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

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

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

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

PNC Bank

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

Suspicious Activity cancelled transaction warning3, Reports of Lower Limits here

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

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

PNC Business Limits DP

Premier Members Credit Union

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

*DP

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

Prime Alliance Bank

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

*Initial 60 day freeze

Provident Bank

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

*DP, DP

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

Provident Credit Union

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

 

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

PurePoint Financial

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

 

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

*DP

Quontic Bank

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

DP

Radius Bank

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

 

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

*Per CSR

Ridgewood Savings Bank

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

 

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

*DP

Rivermark Community Credit Union

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

Robinhood

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

Brokerage

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

*Significant additional requirements for another account2

Salem Five Direct

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

 

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

Sandy Spring Bank

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

*DP

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

Santander Bank

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

 

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

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

Seacoast Bank

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

 

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

Simple (.com)

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
$01 1-2 From;

3-4 To2

 5 No Limit

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

SoFi Money

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

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

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

Square Cash (Mobile App)

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

*DP per PS

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

Star One Credit Union

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

*All Info Per CSR1

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

Same Day DP

 No Limit*

DP – On limit, $20 minimum transfer

State Bank of India (CA)

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

State Farm Bank

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

*DP

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

**DP

SunTrust Bank

Moved to Truist Entry

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
Up to 32

Pull 1 (Sometimes)*

*Comments note inbound limit3

Synchrony Bank

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

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

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

Talmer Bank & Trust

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

TCF Bank

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

DP*

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

TD Ameritrade

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

Cash Managment Account

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
$0 5*
  • *CSR and this DP1

TD Bank

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

Tech CU

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

 

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

TIAA Direct Bank

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

 

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

*DP

Truist

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

 

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes
Up to 32

Pull 1 (Sometimes)*

*Comments note inbound limit3

Trustco Bank

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

*DP

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

T-Mobile Money

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

 

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

UFB Direct

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

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

Unify Financial Credit Union

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

 

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

*DP

Union Bank

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

United Bank

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

DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

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

US Bank

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

*Higher Limits DP

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

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

USAA Bank

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

Limited Membership

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

*Same Day ACH Transfers reflected instantly4

6 account limit for the first 6 months

Varo Bank

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

 

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

Pull 2-4 BD

*DP

Vanguard

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

 

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

*DP

Vio Bank

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

*DP

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

Pull – 9

 5

10

 6 Free

 

Wealthfront

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

*DP

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

Wells Fargo Bank

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

*Previous $33, Larger DP

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

Western State Bank

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

Whitney Bank (Hancock Whitney)

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

*DP

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

Wing Credit Union

Push and Pull Amounts of $2,500 DP

Zeal Credit Union

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

A Few ACH Strategies

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

Some Go Big

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

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

Some Go Small

Using local credit unions or banks.

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

Some Go Explosive

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

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

Some Go Beyond Banks

And use a number of different account types:

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!

 
    Don L
  • On November 16, 2016, 16:05

View Comments (1063)

  • A. With the Comenity Bank I have at breadfinancial.com, the outgoing push ACH is $5,000/day. And the incoming pull ACH is $1,000,000.00/day. With the ACC limit, I have entered 8+ different banks so far and haven't found a limit yet. I have done 20+ ACH transfers in a month all with no fee or limit in their savings account. The speed is average about 3-5 days for ACH transfer. Unless there is a separate Comenity Bank Savings Account, I recommend that Comenity Bank at breadfinancial.com get a little more respect for being a hub account and nominate it for hub account of the year!
    Other notes:
    B. With Chime, I have only transferred out $200 per paycheck so far. How in the world do I get My money out of Swagbucks for My $450 bonus at Chime. Swagbucks says I can transfer it to PayPal which I have but I don't see a routing # or account # at Swagbucks? Does everyone just get a Master Card gift card instead at Swagbucks?
    C. The ACC limit at Live Oak Bank is 4.
    D. At One Financial/OnePay, the speed is a little faster than most at 2-3 days.

  • Seems like Sofi is tightening its rule ever since it became an actual bank. Have been using for 3+ years, I can still link multiple accounts (5 maximum at once), fast ACH pull and push but they severely lower my limit, without any notice, to $5k/day and $10k/month. Almost missed the chance to move $25k to WF and was forced to use wire, $30 fee. Mainly use to move money and pay CC. Ironically, my paychecks go here. This bank probably doesn’t like me anymore and so do I lol.

    P2 has been using them for 1+ years and still has $400k limit. Seems like account history doesn’t matter, it’s how aggressive you’re using them as a hub, which I find hilarious because I’ve never done any transactions over $25k, maximum of like 3 ACHs per month.

  • Looking at New Bank / Credit Union

    Hey Everyone,

    I’m currently trying to find a bank or credit union that fits what I need, but I’ve been having a hard time deciding which one to go with.
    I’m looking for something I can use as a HUB account, mainly for pull and push ACH transfers, with good transfer limits and the ability to link at least 2 to 3 external accounts.
    If anyone has suggestions or banks they use that work well for this kind of setup, I’d really appreciate the help.
    Thanks!

    • I recommend breadfinancial.com that is part of Comenity Bank I posted above - 24 July. Comenity is the Bank that has the AAA 5% on groceries credit card and 3% on 5 categories including gas and wholesale clubs. Further, this grand suit of products also has a 2% on everything with the breadfinancial.com credit card at Comenity Bank that processes payments on the AMEX network. I nominate breadfinancial.com for hub account of the year and one of the best suit of products for an all in one place stop for financial products anywhere around! And the Savings account on 24 July 2025 is 4.3% APY. Convinced yet?

    • Richard, Lending Club Bank (LCB) has some nice Hub Bank policies, and is considered a high contender by me as of this writing, keeping in mind Hub policies can change for the worse at any time. But no matter which Hub you wind up choosing, there are often potential negatives for the specific account holder.

      LCB has high transfer limits, and they offer both a savings account & checking account. They also offer free wires.

      You can certainly add your 2 to 3 externals, no problem at all.

      I recommend going to LCB's site, and I think it's important to do so in advance, to read the ACH transfer limits and how to achieve whichever is desired:

      https://www.lendingclub.com/personal-deposits/limits

      Everyone considering a Hub Bank must be aware that things changed for the worse starting in 2024, due to the Fed's push for anti-money laundering enforcement & prevention. It is very easy these days to have one's accounts locked/frozen as extra scrutiny of transfers is greater than ever before. Luckily, generally, once documentation if ever required and then provided is given, accounts get unlocked.

      Good luck with your Hub Bank decision, and feel free to report which you eventually decided.

  • Good news, Fidelity just gave me the micro deposit verification option when I tried to link a bank.

    • Nevermind, maybe it was fluke. Or bank specific. It didn't work with another bank...

  • I've had a Saving account with Ally since 2010, and typically keep around $100K with Ally in a mix of CDs and Saving account. I usually have up to 12 external accounts linked to Ally to move money back and forth for bonus deals.I delete any external accounts that I no longer need. I keep the number of withdrawals from my Ally Saving account under the monthly limit of 10.

    I got a call today (6/26/25) from Ally Fraud Dept asking about the 3 external accounts that I recently added (Chase Saving, Evolve/Wise, SoFi) and the number of $20K+ transactions of money going into and out of Ally. The rep claimed that Ally reached out to those 3 banks and was told that I don't own those accounts. That's a lie/bluff because I opened those accounts under my name (no co-owners). I told the rep that I do bank bonus deals and use Ally as a hub bank, I also keep the number of withdrawals and external accounts under the allowed limits, but if Ally has concerns about that then I can move my money to another bank. The rep kind of backed off, eased his tone, and said that he would put a note in my account so I can continue doing what I'm doing without problems.

    I also have a large amount deposited with CIBC but mainly in CDs. If Ally gives me any more hassle, I will move my money from Ally to CIBC and start using it as a hub bank.

    • Update: Today 7/15/25 I got an email from Ally saying my Zelle and External Transfer privileges are suspended, and they also locked my account. I called in and talked to their Fraud Dept, I told the rep about my previous conversation with Fraud Dept on 6/26/25. This rep reviewed the notes in my account, asked more questions about my in/out transfers then unlocked my account. I asked if there will be more hassles if I continue the same level of activities (up to 8 outgoing transfers a month, 12 linked External Accounts). She replied "I can't guarantee that. Your account could be locked for review whenever it's warranted". I'm going to move all my money out of Ally except for the long-term CDs that have 3 more years to go.

      • Thank you for sharing this info. Wish I could leave them. Got locked in with IRA CDs, etc. They charge $50 for outgoing transfers. I should have combined funds into one account first and transfer/close together eventually.

    • @guest_2087314 Oh man, you lost an excellent opportunity to make that agent piss his/her pants. They have 0 authority to call the external bank and ask about your account there without your permission. Thats why Marcus/GS and some others always do this on a 3 way conference call. You should have said that you have recorded the call and will be attaching a copy of that to all their regulators. Most of these banks fraud departments are populated with idiots who wont even get a job at Walmart's loss prevention.

    • Sorry to hear that H.P. Though I'm not sure why you don't put your 100k in BoA instead.... I hope that you can get your money back from Ally. It seems like they've been going downhill for a long time @guest_2087314

      • @guest_2092757 Ally didn't take my money or locked up my accounts. I have a $40K 5-yr CD at Ally earning 4.1% APY and $60K in Ally savings earning 3.5% APY. Why do I want to put my $100K with BofA which pay 0.03% APY on their 5-yr CD and even less on their Saving account?

        • @guest_2087314 Thank you for sharing your experience. And, your experience perhaps bolsters the advice I give to everyone I assist, which is if they want to use a bank as a Hub Bank these days for a lot of higher amount transfers, they should consider doing what I do: Keep a good amount of money in the Hub Bank always. I also use my Hub Bank for everyday banking, such as for Bill Pay, but it is conceivable that just having a substantial amount always in the Hub Bank might alleviate the fear of a closure, etc.

          All banks these days are supposed to have implemented anti-money-laundering monitoring.

          And some banks these days do not want themselves used only as a Hub Bank.

  • The LendingClub transfers page says: “When transfers require additional review, they will appear in Scheduled Transactions and will not impact your Actual or Available Balance.”

    What are the logistics of this “additional review”? I just sent $1 from my checking account for the first time and it is “In Review”. I am trying to figure out the mechanics of their transfers.

    • IME, the transfers that went to "Review" have gotten approved sometime between 2 and 3 PM on the same day. I've also noticed that when a transfer ends up going to review, future transfers to and from that same FI will usually keep on going to Review in the future.

  • Anyone else have a limit of 3 outbound ACH transfers a day with Fidelity? I saw a post on reddit confirming this.

    I guess it has been in their "Important Information about Electronic Funds Transfer (EFT)" document: "Transfers out of your Fidelity account initiated on Fidelity.com are typically limited to three per day."

    I was able to do more in the past though.

    • Actually, to my surprise, I looked through my history and never did more than 3 in a day before...

      • Years ago, I attempted 4 pushes in 1 day and it was not allowed. Since then, I haven't tried again but I'm not surprised that they kept that policy.

        • Eric, did you recently use Fideldity to pull anything? What's the hold time like recently? Still 2 weeks? Thank you @guest_2019631 @guest_33069

          • Yes, I have recently pulled money into my Fidelity account. However, I have no idea about the hold time as I did it to pay off some investments that I purchased. I don't use Fidelity as a hub account.

  • Marcus invalidated several of my existing external accounts. It required a long call to get them reinstated. They did a three-way call with each external bank to verify my information.

  • New transfer limits at BrioDirect for standard 3-day OUTBOUND [PUSH] transfers. Also not everyone will get or have access to 1-day OUTBOUND [PUSH] transfers.

    BrioDirect is also enforcing Reg D. so a max of 6 withdrawals per month are allowed. The Next-Day monthly limit of $125,000 is impossible to reach at $5,000 per day with a 6 withdrawal limit not sure why they state such an inflated number on the limits table.

    Limits shown:
    Next-Day
    Remaining today: $5,000.00
    Daily : $5,000.00
    Per Transfer: $5,000.00
    Monthly: $125,000.00

    Standard
    Remaining today: $25,000.00
    Daily: $25,000.00
    Per Transfer: $25,000.00
    Monthly: $100,000.00

    INBOUND [PULLS] remain very generous.

    Standard
    Remaining today: $500,000.00
    Daily: $500,000.00
    Per Transfer: $500,000.00
    30-day: $500,000.00

    • @guest_1338971 Thanks for the two Brio updates today.

      (Isn't it the policy of BrioDirect that people can indeed withdrawal more than 6 times per month; it's just that there would be a $10 fee for any withdrawal over 6?)

      • @guest_1397196 OT, is the Customers' $1.25M limit by calendar month or by statement cycle?

        • @guest_1368446 Customers Bank maximum limit is per calendar month. And it is up to $1,500,000 maximum. My advice to anyone using Customers Bank as a consumer and not a business is to not hit the maximum limit when it comes to ACH transfers per month. (There are exceptions to this advice, of course, where the above advice would not apply to some individuals specifically, who could, without worry, come close to or hit the $1,500,000 monthly maximum.)

          • @guest_1397196 Good to know, thanks. I was thinking about the Wells Fargo Premier $3500 bonus that may need to move huge amount of money. I do use their Yield Shield savings as everyday checking and hub with a healthy balance, but the monthly total is nowhere near the $1.5M limit.

      • mida89, I'm sure you can always exceed the 6 withdrawal limit by paying a free at most places but I was only reporting on the free everyday options.

  • Webster Bank is now enforcing a maximum of 5 external account limit on BrioDirect. It was previously unlimited. When I tried to add another one today, I received this notice:
    "You've reached the maximum number of accounts allowed. To add a new account, you must first delete one."

Leave a Comment