List Of Methods Banks Count As Direct Deposits

673 Responses to List Of Methods Banks Count As Direct Deposits

1. Kumar says:

   February 19, 2014 at 2:42 am

   For ACH transfer, can i initiate a transfer from my own account from another bank to get the sign up bonus or should it be from some other person’s account? Please confirm. Thanks.

   Reply
   • William Charles says:

     February 19, 2014 at 10:56 am

     If they allow ACH then it shouldn’t matter who’s account it comes from. As always, your mileage may vary and make sure to update us if you weren’t successful.

     Reply
     • Kumar says:

       March 5, 2014 at 1:28 am

       Thanks William Charles. I did an ACH transfer from another bank account of mine and got the $200 credit.

       Reply
     • Kumar says:

       March 5, 2014 at 1:29 am

       Well, that was for Chase checking account.

       Reply
       • Eo says:

         May 29, 2014 at 12:45 pm

         Hi,
         How much you had to pay for the ACH service?? I’m trying to do it with chase too.

         Reply
         • William Charles says:

           May 29, 2014 at 6:39 pm

           Usually the ACH service is free with most banks.
       • jp says:

         August 26, 2014 at 3:08 pm

         for the chase card: when you say an “ACH transfer”, do you do this just as a transfer to another institution, or did you pay yourself through online bill pay? Thanks!

         Reply
         • William Charles says:

           August 26, 2014 at 8:13 pm

           Just a transfer to another institution.
     • yong says:

       September 17, 2016 at 1:13 pm

       Data Point:

       Scottrade ACH from banking account (checking) works for 5/3 bank and
       Key Bank, but not for Chase. So far I’ve not seen any Scottrade. One need
       to open bank account, not from Brokerage account.

       Reply
2. Liliane says:

   March 31, 2014 at 4:55 am

   Where can I find what the small numbers mean ? (1,2,3, etc)

   Reply
   • William Charles says:

     March 31, 2014 at 5:08 am

     Those are just data points, each of the numbers correspond with one person notifying us that that method works. Hope that is helpful.

     Reply
3. Ny says:

   May 30, 2014 at 7:56 pm

   Amex Serve counts as DD for First Niagara.

   Reply
   • Ny says:

     October 7, 2014 at 10:48 am

     Serve also counts as DD for BMO Harris and US Bank. Cap One 360 counts as DD for Nationwide Bank.

     Reply
4. Nancy says:

   June 6, 2014 at 11:29 am

   Any experience with UFB Direct? It seems they have ties to AA miles and allow Money Order’s to be deposited through the mobile app for MS’ing.

   Reply
5. Biggles209 says:

   June 16, 2014 at 12:49 pm

   Bluebird counts a DD for Bank of America

   Reply
6. Sean says:

   June 18, 2014 at 11:22 pm

   Hi William,
   Does this mean that I can load MGC to AP and then send the money to my own Serve account via ACH, up to 1k/month? Or can I only send money to Serve via ACH that comes from an AP balance?

   Thanks in advance. Love all your work

   Reply
   • William Charles says:

     June 19, 2014 at 12:17 am

     This page is for bank account bonuses. Sometimes there is a requirement that you need a direct deposit, this page will let you know what qualifies as a direct deposit. These are loopholes as the fine print usually says payroll & government benefits only.

     Why not load the MGC to AP and then send directly to a trusted friend? I see no reason to involve Serve into the mix.

     Reply
7. SavingsChris says:

   July 6, 2014 at 6:12 am

   Discover Bank ACH counted as DD for 1st Niagara.

   Reply
8. Dudley says:

   July 26, 2014 at 2:13 pm

   For the First Niagara bonus I transferred $300 from my BOA savings to the linked First Niagara account. I did not get credit for that. If I go the paypal route (this may sound like a dumb question) but how do you actually do an ACH push from paypal? The options i’m seeing in paypal ask for an email or mobile number to send to. I don’t see any options for sending to a bank.

   Reply
   • William Charles says:

     July 26, 2014 at 11:02 pm

     You need to click withdraw rather than send to, you’ll need to have the First Niagara account linked.

     Reply
9. Arielle Bianchimano says:

   August 21, 2014 at 8:44 am

   PNC counted a transfer from Cap One 360 for me.

   Reply
10. meliza says:

    August 29, 2014 at 10:31 am

    hey doc
    a p2p is considered as transfer for first niagara? somebody help me please

    Reply
11. Jason says:

    August 31, 2014 at 8:53 pm

    Hoping to find a list of banks that support ACH push, but haven’t run across any. Do you know of such a list?

    Reply
    • William Charles says:

      August 31, 2014 at 10:37 pm

      I don’t know of any, is there a reason why you need a list and not just one or two banks?

      Reply
12. jeffrey says:

    September 29, 2014 at 6:44 am

    I used a capital one 360 transfer to first niagara and it qualified, i was awarded the $250 bonus

    Reply
13. Janice says:

    November 5, 2014 at 9:09 am

    I’m trying to find out which banks will accept a bank transfer of funds that I initiate as a substitute for direct deposit from the official sources: employer, pension or government. I do not see in your article any legend to show the meaning of the numbers you list. Can you add to your article what the meaning is of your numbers? Also is it a fact that a self-initiated ACH transfer will work? Most of the promotions state explicitly that these 3 are the only 3. I do have experience with Bank of America. They allow a bank transfer. I learned this after much frustration trying to set up the official direct deposits.

    Reply
    • William Charles says:

      November 5, 2014 at 10:06 am

      Hi Janice,

      The numbers are data points where somebody was able to successfully use that method to meet a bonus or fee waiver requirement. They are links and you can click on them to see when they were posted.

      It’s not a fact that any of these methods will work, it’s just an indication of what has worked in the past. In most cases the financial institutions cannot tell the difference between an employer payment/government benefit and a person to person ACH transfer.

      Hope this helps and if you have any questions, feel free to ask.

      Reply
14. Janice says:

    November 9, 2014 at 3:43 pm

    I just (Nov 2014) did a transfer into my Bank of America checking account from Capital One 360 checking account and it satisfied BOA’s direct deposit requirement.

    Reply
15. Bonus Billy says:

    November 11, 2014 at 5:32 pm

    Paypal and/or Discover Bank ACH push works for Pinnacle Bank! (Titans Banking)

    Reply
16. AA says:

    August 13, 2016 at 6:23 am

    I have some more data points:
    • Amalgamated: Serve ACH worked (6/16/2016)
    • Chase: Serve worked (6/27/2016); Discover didn’t work (6/9/2016)
    • KeyBank: Serve ACH worked (5/16/2016)
    • Santander: Discover ACH worked (1/25/2016)
    • Technology Credit Union: Santander ACH worked (5/21/2016)

    Reply
17. Sue says:

    August 15, 2016 at 12:07 pm

    Data points:
    Chase ACH push worked to trigger the bonus for the following banks:
    People’s Bank (8/16)
    Tech CU (7/16)
    First Tennessee (7/16)

    Reply
18. Jay says:

    August 16, 2016 at 6:39 pm

    I’m currently working on Santander and BoA checking bonuses, any recent updates for these two?

    AA’s DP for Santander (2 comments up) using Discover ACH was back on 1/25/16, I too tried Discover last week and it posted as (My full name) P2P XXXXXX with X being numbers in the activity description so kind of skeptical that will work. Also tried Amazon payments and it posted without any of the usual terminology such as ACH, PPD, etc so not sure if that one will count. Any one with a DP on amazon payments counting as a DD?

    Also for BoA checking, the list of BoA DPs are all pretty old, dating back at least 5 years, any recent ones? I have tried amazon payments and Discover so far. For Discover the description had P2P and my full name in it, so most likely won’t work. Amazon is still pending and should post tomorrow so can’t confirm yet. Any recent DPs for BoA?

    Thanks!!

    Reply
    • William Charles says:

      August 16, 2016 at 7:40 pm

      Just because it lists as p2p doesn’t mean it won’t work. Usually people only update us if DP’s change.

      Reply
    • Paul says:

      September 17, 2016 at 2:04 pm

      For BOA, did Discover trigger the bonus?
      Cap 360 did not trigger the bonus.
      Also, there might be a difference what counts as DD to waive fees vs. what triggers the bonus.

      Reply
      • Paul says:

        September 17, 2016 at 2:10 pm

        I should point out that the reason why I know that 360 no longer works is because I did a “real” DD on a different BOA account and the bonus posted within a few days.

        For the other person’s account I only did 360 and it has been well over a month and nothing.

        Reply
19. Don says:

    August 16, 2016 at 7:14 pm

    Data point:

    Opened chase checking account in Jul 2016 and direct deposit from Amex Serve to Chase in Aug. Receive bonus on 8/16/2016

    Reply
    • William Charles says:

      August 16, 2016 at 7:39 pm

      Thanks, added DP.

      Reply

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21. Chris M says:

    August 23, 2016 at 6:33 am

    ACH from Fidelity met direct deposit requirement for bonus

    Reply
    • William Charles says:

      August 23, 2016 at 8:19 am

      What bonus?

      Reply

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24. Volidon says:

    August 31, 2016 at 9:04 pm

    Does Barclays Online Savings still work for DD for Chase? Haven’t seen any updates and the current DPs are out of date.

    Reply
    • William Charles says:

      August 31, 2016 at 9:34 pm

      Not sure, when we get new DP we add them instantly so give it a try and let us know

      Reply
      • Volidon says:

        September 6, 2016 at 5:55 pm

        Confirmed; Barclays Online Savings triggers DD for Chase.

        Sep 1, 2016
        $200 for New Checking
        Misc. credit

        Reply

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26. sam says:

    September 3, 2016 at 8:18 pm

    Hey,
    for PNC is PayPal and Capital 360 count for special accounts or all? For example here on the bottom, they mentioned ” Direct deposit transactions are limited to: payroll, Social Security, pension and government benefits.” Do you think PayPal and/or Capital 360 will work?? thanks

    https://www.key.com/personal/promotions/dda/premium-products-get-300.jsp?sqkl=get300cash_alias_15Q3

    Reply
    • Chuck says:

      September 3, 2016 at 11:12 pm

      Please see the details outlined in the post for more info on that question.

      Reply
    • William Charles says:

      September 4, 2016 at 3:30 am

      Most bonuses say something similar, this page provides DP of people that succesfully got the bonus by using one of the listed methods. This is no guarantee, but a good guide.

      Reply
27. sam says:

    September 4, 2016 at 12:18 am

    Hey
    two capital one links for CHASE BANK are dead “Capital One Savings: 1, 2”

    Reply
    • William Charles says:

      September 4, 2016 at 3:24 am

      yes, we will fix this soon.

      Reply
      • Steve says:

        September 14, 2016 at 3:10 pm

        Any Update? Would like to see how to make this work.

        Reply
        • William Charles says:

          September 14, 2016 at 8:53 pm

          We need to manually readd the comments, it’s on the to do list but it’s time intensive.

          Reply
28. sam says:

    September 4, 2016 at 9:51 am

    Hey,
    “No data points, but usually optional anyway” what does “but usually optional anyway” mean? thx

    Reply
    • William Charles says:

      September 4, 2016 at 8:09 pm

      It means that usually you can do something other than a direct deposit to trigger the bonus, for example completing debit card transactions.

      Reply

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32. Don says:

    September 7, 2016 at 10:06 am

    (Sept 2016) US Bank Bonus triggered with Discover Bank ACH

    Reply
33. K says:

    September 9, 2016 at 7:56 am

    For Bank of America, for about four years, I’d just transfer 250.01 from my Paypal to BOA and that would satisfy the Direct Deposit need to keep my account fee free. I stopped doing that last year when I realized that my credit card processing (self-employed/small business) would almost always have a transfer above $250 and that would satisfy the need. PayPal was working at least up until June of 2015.

    Reply
34. brandon says:

    September 9, 2016 at 11:15 am

    Does Santander transfer still count as DD for Chase?

    Reply
35. bob says:

    September 9, 2016 at 4:45 pm

    PNC – i used Santander and BMO Harris to ACH-deposit, and they show up in my Savings as “Direct Deposits” transactions – triggering the higher interest rate. I’m using them to (hopefully) trigger the $300 bonus, which hasn’t posted yet, but should soon.

    Reply
36. Ken says:

    September 11, 2016 at 10:31 pm

    Schwab Checking triggered the DD alert for my account along with Discover Checking for my TIAA Checking account.

    Reply
    • William Charles says:

      September 12, 2016 at 12:10 am

      Let us know when the bonus posts!

      Reply

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39. Jason says:

    September 14, 2016 at 11:58 am

    I have a question on using Paypal as DD for PNC Bank.

    After transferring funds from Paypal to PNC, I received an email notification saying that I had a DD.

    But when I look at my PNC activity statement, it says “ACH Credit ### Paypal Transfer” and categorizes that transaction as a “Transfer”.

    Did PNC register the Paypal amount as a DD?

    Thanks.

    Reply
    • Derek says:

      February 10, 2017 at 12:59 pm

      Jason,

      Any word on how this processed. DD or transfer?

      Reply
      • Jason says:

        February 10, 2017 at 2:32 pm

        Derek,

        As of Sep-Oct 2016, PNC processed it as a DD.

        Reply
40. sam says:

    September 14, 2016 at 7:43 pm

    hey, where is HSBC bank? thx

    Reply
    • pixelrogue says:

      October 4, 2016 at 6:02 pm

      Bump

      Reply
41. sam says:

    September 15, 2016 at 5:55 pm

    Hey, I did DD FROM CHASE to TD bank “JPMORGAN CHASE EXT TRNSFR” does it mean ACH or better try with Capital one 360 because it seems that Chase’s DD will not count as ACH in TD bank ? thx

    Reply
42. Pablo says:

    September 17, 2016 at 9:39 am

    There is a mistake for #2 for ACH under citibank. It looks like it should be moved to Chase ACH Direct Deposit instead (though that post was over 6 years ago) since they are they are pushing funds from a Citi bank account to a Chase account to trigger a direct deposit.

    Also, Santander Bank ACH Push to Citibank counts as a direct deposit so you can use this as #2 for ACH under Citi. I appear to get Thank you points every month as I meet the direct deposit requirement simply by ACH push from my Santander checking account.

    Reply
43. Pablo says:

    September 17, 2016 at 9:45 am

    Will Amalgamated Bank datapoints be updated?

    Santander ACH push qualifies as a direct deposit with them.
    I think Paypal and Serve also counts but need to look through posts from you page talking about their Bank Signup bonus to make sure

    Reply
    • William Charles says:

      September 18, 2016 at 9:16 pm

      Yes they will, it’s on the to do list.

      Reply
      • Pablo says:

        September 18, 2016 at 11:54 pm

        Ah ok, was just curious. I know you guys have lots of things to do so thank you for your hard work in maintaining this community 🙂

        Reply
44. Johnny says:

    September 20, 2016 at 12:03 am

    Hi, Is there any info about ach deposits from a business bank account that you own working as the direct deposit requirement?
    Thanks

    Reply

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46. sam says:

    September 22, 2016 at 8:19 pm

    Capital One 360 “Savings” VS. 360 “Money Market” they both can be used for ACH? Is one better than another?

    Reply
47. Don L says:

    September 23, 2016 at 11:06 am

    Amalgamated Data Points

    https://www.doctorofcredit.com/amalgamated-150-checking-bonus-available-nationwide/#comment-280438
    https://www.doctorofcredit.com/amalgamated-150-checking-bonus-available-nationwide/#comment-280445

    Not sure exactly what triggered mine, but ACH Transfer is keeping it fee free

    Reply
48. captainsave says:

    September 23, 2016 at 7:55 pm

    So does capital one 360 count as DD for chase?

    Reply
49. Beth says:

    September 27, 2016 at 10:11 am

    re Chase: direct transfers online from Fidelity did not work for me–need to line through it as an option on your list.
    Banker told me directly that any P2P will not count (as you note at top of Chase entry)

    Reply
    • anne says:

      September 29, 2016 at 8:02 am

      I transferred from Fielity Cash management account and it was posted on Chase as ACH credit on Sept. 23. The bonus was posted on Sept. 27. When was your transfer?

      Reply
50. Shaun says:

    September 27, 2016 at 10:45 am

    TD Ameritrade worked to trigger Chase personal checking bonus in August 2016. ACH transfers from BofA checking and Citi checking did not. Thanks for this great resource.

    Reply
    • William Charles says:

      September 27, 2016 at 9:01 pm

      Thanks, added

      Reply
      • anne says:

        September 29, 2016 at 7:59 am

        Make a transfer to Chase from Discover on Sept. 9 and no bonus added. I came here and saw Fidelity would work (before the option was crossed out in your post). The Fidelity fund was posted on Sept. 23 and I saw bonus posted on Sept. 27. Note that both Discover and Fidelity are shown as ACH credit, however Fidelity worked for me. I guess I was lucked out!

        Off topic: The bonus will help me with $300 stolen Best Buy gcs from PPDC. They declined my refund request!

        Reply
        • Gary says:

          September 30, 2016 at 2:21 pm

          Dispute the charge with cc company.

          Reply
      • mewantsdata says:

        January 5, 2017 at 10:49 pm

        Please update the DPs, it’s been a while and I noticed there aren’t that many for chase, but down here people are dropping ’em like crazy.

        Thanks!!! (You’re da best 🙂

        Reply
        • William Charles says:

          January 5, 2017 at 10:50 pm

          They are updated, we add them as they come in. Chase made some changes awhile back so we’ve removed old DP so that’s why you don’t see so many for Chase (they are all new).

          Reply
    • Mist Soalar says:

      October 11, 2016 at 10:43 am

      Another DP for Chase $300 checking bonus. TD Ameritrade’s ACH triggered bonus 🙂

      Reply
    • Walter says:

      October 21, 2016 at 2:18 am

      Do you have the TD Ameritrade Cash, or the TD Ameritrade FDIC insured choice for your uninvested funds?

      Reply
      • Harry says:

        November 29, 2016 at 8:09 pm

        Yet another datapoint: Late November 2016: TDAmeritrade ACH (small $$ amount) triggered bonus in about 8 days. My TD account from where it came is the “FDIC INSURED DEPOSIT ACCOUNT” not the Cash.

        Reply
        • Andrew says:

          December 16, 2016 at 3:50 pm

          Hey Harry, was your ACH part of the small deposits from the verification process, or did you do another ACH after the verification deposits?

          TIA

          Reply
          • JK says:

            February 15, 2017 at 8:49 am

            TD Ameritrade ACH transfer worked for me. Transferred $25, and the $300 bonus posted the following Tuesday. The small initial amounts used to verify the bank account did not trigger the bonus.
51. Ken says:

    September 28, 2016 at 11:50 am

    Are there any data points for what HSBC counts as DD?

    Reply
    • hypertext says:

      September 29, 2016 at 4:10 pm

      Curious about this myself! If anyone knows please share as it’s relevant to the current $350 checking bonus.

      Reply
52. John says:

    September 29, 2016 at 7:57 am

    What do the number i.e. 1,2. After the bank mean? Thanks

    Reply
    • anne says:

      September 29, 2016 at 8:01 am

      You can click on it and it means the 1st and 2nd data points.

      Reply
    • William Charles says:

      September 30, 2016 at 2:24 am

      They are datapoints, you can click on them for more information.

      Reply
53. Humayun says:

    September 30, 2016 at 8:17 am

    Nice work! You have two entries for KeyBank; not sure which is accurate.

    Reply
    • William Charles says:

      October 2, 2016 at 7:25 pm

      Thanks, fixed this!

      Reply
54. Allen says:

    October 1, 2016 at 12:00 am

    Does anybody have any insight into DD datapoints for HSBC? Confirmation either way on Serve would be especially useful! Thx

    Reply
55. Allen says:

    October 1, 2016 at 12:02 am

    Also, my small contribution to this post: I can confirm Serve (One VIP) triggered DD with Key Bank on 3 different accounts recently.

    Reply
    • William Charles says:

      October 2, 2016 at 7:11 pm

      Thank you, added!

      Reply
56. Bill says:

    October 1, 2016 at 10:55 pm

    I transferred money from Bank of Internet to Bank of America to get the $300 bonus I signed up witth for $4k of direct deposits. it showed up with P2P in the description and I did not get the bonus (at least not as of couple of weeks after the transfer).

    Tried to link it from my Fidelity account and it wouldn’t take, presumably because Fidelity is joint and BofA is individual — “In evaluating your request, Early Warning (a consumer reporting agency) provided us with information that influenced our decision to not link your bank account. Early Warning played no part in our decision and is unable to supply specific reasons why we weren’t able to add your bank account.”

    I guess I’ll try Capital One 360 and hope that still works.

    Reply
57. Jeff H says:

    October 3, 2016 at 9:22 pm

    I did a small Santander Bank ACH to a BAC Savings account only because I wanted to maintain certain balance …. no bonuses involved. Initially, the BAC Savings account showed it as a Santander Bank ACH. Now it shows:

    Type: Deposit
    Description:Santander Bank DES:Payment ID:JEFF H INDN:JEFF H CO ID:********8 WEB PMT INFO:Jeff H

    Where you see Jeff H, it has my full legal account holder name. I am not sure if that counts for your purposes or not.

    Reply
58. pr says:

    October 4, 2016 at 8:10 pm

    Silly question:

    When you see ACH as an excepted DD trigger, that would mean any ACH would do. Yet then you might see TD (just TD, not TD ACH) – does that mean any type of TD transfer would work (ex ACH)?

    Reply
59. Ben says:

    October 4, 2016 at 9:30 pm

    Chase DP: Confirmed – transfer from Robinhood triggers Chase direct deposit requirement.

    Reply
    • William Charles says:

      October 4, 2016 at 10:36 pm

      Added

      Reply
60. Jack says:

    October 6, 2016 at 10:54 am

    Any data points for HSBC DD..tried from paypal but quoted as transfer…not sure it it works or not

    Reply
61. Ben says:

    October 7, 2016 at 12:44 am

    Chase DP: Transfer from U.S. Bank didn’t work

    Reply

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63. Thomas says:

    October 8, 2016 at 4:48 pm

    DP : Square deposits work for Suntrust

    Reply
64. NoobeeChurner says:

    October 11, 2016 at 3:59 pm

    Hello DoC,

    Chase DP for DD

    I opened the Chase Savings & Checking account w/ $300+$200 offer last month. I transferred money using Fidelity ACH on October 7th, and on October 11th, there is a pending credit for $300 for new checking.

    Fidelity ACH credit is posted as “FID BKG SVC LLC MONEYLINE PPD ID”

    Reply
    • William Charles says:

      October 11, 2016 at 6:50 pm

      Thanks, added

      Reply
65. Skyriver says:

    October 11, 2016 at 10:04 pm

    Regarding Chase $300 personal checking:

    ACH authorization from a local credit union (less than $1) posted as PPD on 10/5/16;
    $300 new account bonus pending on 10/11/16

    Reply
    • William Charles says:

      October 11, 2016 at 10:55 pm

      what credit union?

      Reply
      • Skyriver says:

        October 16, 2016 at 10:29 pm

        It’s one of those university associated Federal Credit Union. I assume ACH authorization from FCUs all work the same – provided it posts as PPD?

        Reply
66. Adam D says:

    October 12, 2016 at 9:56 pm

    If a real direct deposit is needed and no minumum, might as well sign up for uber or lyft, complete 1 “ride” to trigger a direct deposit (could be to a friend requesting a ride who is next to you,you can just accept and end ride after a few minutes without having to go anywhere, minumum $5, you would get $3 commision or they get $15 towards their first ride anyways) I’ve done it, you can change direct deposit bank yourself in your profile weekly if needed. It shows up as “direct deposit payroll” on your statement. Uber/lyft charges no fees to sign up. Use my driver promo code if this info helped.
    UBER driver promo code: GZ10W
    LYFT driver code: ADAM9217
    This is a easy way to not have to change your real DD from your employer and activate bonuses that dont push with a bank ach transfer. DoC I hope it’s ok I put my referral bonus as I think this would help many readers.

    Reply
67. Don L says:

    October 18, 2016 at 9:28 pm

    More TIAA DPs:

    https://www.reddit.com/r/churning/comments/585b78/tiaa_150_checking_bonus_dps/

    Reply
68. sam says:

    October 20, 2016 at 7:09 pm

    Is there different for DD as “Capital One 360 Money Market” VS. “Capital One 360 Savings” ?

    Reply
69. Bodiddely says:

    October 22, 2016 at 11:56 am

    A transfer from Wells Fargo to Chase this month counted as a DD to avoid monthly service fee on my Oct 2016 statement which just closed.

    Reply
    • William Charles says:

      October 24, 2016 at 8:47 pm

      Keep in mind what counts for avoiding the monthly fee isn’t always the same as triggering the bonus

      Reply
70. Bern says:

    October 25, 2016 at 12:47 pm

    Chase Total Checking DP: Push from Serve OneVIP triggered DD bonus. Serve posted 10/20, bonus in Pending as of Tuesday 10/25.

    Reply
    • dnak says:

      November 4, 2016 at 4:08 pm

      Did that pending bonus come through?

      Reply
    • Yet Another Redditor says:

      November 17, 2016 at 1:21 am

      Additional DP
      Serve OneVIP to Chase ACH triggered the bonus

      ACH Push – Serve to Chase, Transaction listed as
      SERVE ENTERPRISE EXCHANGE PPD ID: ##########

      Bonus not triggered using –
      ACH Push – Citi to Chase, Transaction listed as
      CITIBANK XFER P2P FIRST_NAME LAST_NAME WEB ID: ########## ACH credit
      nor
      ACH Push – Discover to Chase, Transaction listed as
      DISCOVER BANK P2P FIRST_NAME LAST_NAME WEB ID: ##########

      Reply
      • William Charles says:

        November 17, 2016 at 7:50 pm

        Thanks, added.

        Reply
        • Adam says:

          November 29, 2016 at 4:45 pm

          Did Wells Fargo ACH Push on 11/21 and 11/22 and Serve One VIP on 11/23 for $25. Today showing pending $200. Almost certain it was Serve card.

          Reply
      • kev says:

        December 20, 2016 at 4:43 pm

        does the new serve work as well?

        Reply
    • Arvi says:

      January 9, 2017 at 7:59 pm

      Hi Bern, did you use withdrawal feature or bill pay feature? Thanks much in advance!

      Reply

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72. Ernie says:

    October 29, 2016 at 8:13 pm

    I’m not sure what is meant by ‘Direct Deposit is OK from American Express”.

    I have a couple of AMEX cards but I am not aware of a ‘checking account’ available as well from AMEX.

    Please explain in simple plain English for me, Thanks. My only Direct deposit today is tied up with another bank and I would like to take advantage of KEY bank’s fabulous bonus before they no longer offer this deal.

    Reply
    • William Charles says:

      October 30, 2016 at 7:03 pm

      https://personalsavings.americanexpress.com/home.html

      Or sometimes refers to their prepaid cards.

      Reply
73. FHayek says:

    October 30, 2016 at 8:14 pm

    Regarding Santander Bank, a transfer from Discover does not count as a direct deposit.

    Reply
    • William Charles says:

      October 30, 2016 at 8:56 pm

      Thanks, added.

      Reply
74. Mike G says:

    November 1, 2016 at 11:32 am

    Note, push from Fidelity Cash Management acct for Chase posted as PPD last week, but did not trigger the bonus today. Looks like it might be dead.

    Reply
    • William Charles says:

      November 1, 2016 at 8:12 pm

      Let us know if it doesn’t post next week and we will update the DP

      Reply
75. Jeff H says:

    November 1, 2016 at 12:56 pm

    Chase $300.00 checking bonus posted this morning 10 days after opening the checking account in Chase branch and a week after Fidelity ACH DD. I tend to doubt the Well’s Fargo ACH DD trial balances under a dollar counted, but that also happened the same day as the Fidelity ACH DD.

    Reply
76. Paul says:

    November 1, 2016 at 10:16 pm

    Another DP for trying to meet the Chase checking DD requirement:

    ACH from Discover (which I use for triggering almost all other bank bonuses) coded as P2P and did NOT trigger the bonus.

    ACH from Ally also coded as P2P – I haven’t waited long enough yet to see if the bonus will be triggered, but I’m assuming it won’t be.

    Reply
    • William Charles says:

      November 1, 2016 at 10:56 pm

      Thanks, added DP.

      Reply
77. Karen says:

    November 2, 2016 at 9:03 am

    Wells Fargo counted a deposit that was made from Dwolla as a direct deposit.

    Reply
    • William Charles says:

      November 2, 2016 at 8:16 pm

      Thanks,added.

      Reply
78. Bill says:

    November 2, 2016 at 11:30 am

    I’ve been trying to qualify for the $300 bonus at Bank of America, which i signed up for a couple of months ago. Transferring from Bank of Internet and Capital One both showed up as P2P (for example, “CAPITAL1 DES:P2P ID:my name”), so presumably they did not work. However, Capital One 360 showed up differently — “CAPITAL ONE N.A. DES:CAPITALONE” so hopefully that still qualifies. I just realized that I had only transferred $3k so I just sent another $1k and hopefully it will trigger the bonus when it gets there on Friday.

    Does anyone know how long it takes BofA to credit the bonus to the account?

    Reply
79. Frank says:

    November 8, 2016 at 11:14 am

    New DP for chase checking direct deposit $300. Using Fidelity ACH push $10 on Nov. 1st, get $300 bonus pending on Nov. 8th.

    Reply
80. Radster says:

    November 8, 2016 at 11:16 am

    $200 ACH from AmEx Redcard (i.e., ‘withdraw money’ function) to Chase Total Checking account. Deposited 10/24. $300 bonus credit ‘pending’ on 11/8.

    ACH deposit coded as “SERVE ENTERPRISE EXCHANGE PPD ID: XXXXXX3497 ACH credit”

    Reply
81. molicorp says:

    November 8, 2016 at 2:56 pm

    2nd data point on a Robinhood ACH Transfer to Chase Checking account triggered the current. Posted to account on Thursday Oct 27; $300 credit pending as of Tuesday Nov 8.

    Reply
82. Gin says:

    November 8, 2016 at 6:04 pm

    ACH from Venmo to Chase checking account coded as PPD, but did NOT trigger the bonus.

    Reply
83. Spencer Garcia says:

    November 9, 2016 at 1:48 pm

    Wells ach and robinhood ach work as chase dd.

    Reply
    • William Charles says:

      November 10, 2016 at 2:35 am

      Thanks, added.

      Reply
      • Adam says:

        November 12, 2016 at 6:54 pm

        Hi, is this through chase quickpay i assume?

        Thanks

        Reply
        • William Charles says:

          November 13, 2016 at 8:21 pm

          They are transferring into Chase

          Reply
          • Allison Petteway says:

            November 17, 2016 at 10:57 pm

            Can you all be more detailed on how you all sent the money to chase?Was it through esure, transfer, bill pay etc. I’m confused on what method was used.
          • Allison Petteway says:

            November 17, 2016 at 11:00 pm

            How are they transferring it into chase? what method is being used?
          • Ken says:

            November 17, 2016 at 11:51 pm

            Most likely an ACH push from the external account into the Chase account.
          • Dimaco says:

            November 19, 2016 at 1:56 am

            How to crate ACH transfer from WF to Chase? WF gives options of transfer between your own accounts, sure pay, bill pay and wire transfer…no ACH… please tell how and which?!? Thank you!
    • AJ says:

      November 29, 2016 at 3:23 pm

      Wells to Chase $250 ACH transfer worked! Just add your Chase account as a Non-WF bank account on the Transfers menu dropdown) on WFB website. Transfer posted on 11/25/16 and $300 Checking Account Bonus received 4 days later. Awesome !!

      Reply
      • William Charles says:

        November 29, 2016 at 8:13 pm

        Added DP, thanks

        Reply
        • Jordan says:

          March 21, 2017 at 11:12 pm

          Opened Chase account on Mar 11, 2017
          Wells ACH 200$ on Mar 20,received 200 bonus on next day!

          Reply
      • Janice says:

        January 2, 2017 at 12:17 pm

        Doesn’t Wells Fargo charge to do ACH to external bank?

        Reply
        • Ryan says:

          January 2, 2017 at 5:58 pm

          Fee shows as $0.00 for me.

          Reply
84. josh says:

    November 9, 2016 at 3:22 pm

    Fyi, Fidelity ACH worked. Posted on a Tuesday.
    Nov 8, 2016 $300 for New Checking Misc. credit
    Oct 26, 2016 FID BKG SVC LLC MONEYLINE PPD ID: XXXX ACH credit

    Reply
    • josh says:

      November 9, 2016 at 3:23 pm

      for Chase!

      Reply
    • William Charles says:

      November 10, 2016 at 2:33 am

      For what bonus?

      Reply
      • Rebecca Zerbst says:

        December 10, 2016 at 2:47 pm

        Does a wire deposit into Chase count as an ACH for the $300 bonus into checking account? For any bank bonus, has a wire deposit sufficed as an ACH DD?

        Reply
        • William Charles says:

          December 10, 2016 at 7:41 pm

          Wire deposit is different to ACH, not sure if it counts.

          Reply

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86. Rene says:

    November 13, 2016 at 6:28 pm

    US Bank: ACH Push from Discover Checkings counted as DD

    Reply
    • EugeneV says:

      November 17, 2016 at 4:28 pm

      Nice! ACH push from HSBC did not!
      Either that, or US Bank has their own definition of recurring (I sent two, two weeks apart, on different calendar months).

      ACH push from HSBC did trigger Chase $300 bonus a month ago. But Chase was not looking for recurring.

      Reply
87. S Rahman says:

    November 15, 2016 at 2:06 pm

    Transfer from Wells Fargo counted as direct deposit for Chase.
    Transferred $25 on 11/08, got $300 bonus on 11/15

    Reply
88. danny lam says:

    November 15, 2016 at 4:20 pm

    Hi, What is considered Wells Fargo direct deposit for chase? Just a simple transfer from WF to the chase checking account or do I have to use Bill Pay to send a payment to that account?

    Reply

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90. anitje says:

    November 17, 2016 at 3:53 pm

    I did a funds transfer online from Ally to HSBC and it was recorded as “P2P”.on the online statement….it did not say “Direct Deposit”.

    Does that mean this was not recorded as a direct deposit?

    And if not, do you have direct deposit solutions for HSBC? It is not on your list.

    Thanks.

    Reply
    • William Charles says:

      November 17, 2016 at 7:27 pm

      We’re not sure yet with HSBC, it’s better when it doesn’t code as P2P but it really depends on the software they are using.

      Reply
      • anitje says:

        November 17, 2016 at 7:45 pm

        I know that it is usually a bad idea to call. But if nothing else codes as “direct deposit”, is it worth taking a chance and calling customer service to see if anything went through as DD? It hardly seems worth tying money up for 4 months or more and going through hoops to meet requirements if you don’t know whether the bonus will post or not.

        Reply
        • William Charles says:

          November 17, 2016 at 7:54 pm

          No, don’t call. That just alerts them to the fact you’re not doing a legitimate DD. Just try multiple different things and hope one works.

          Reply
          • Rich says:

            April 8, 2017 at 4:38 pm

            I disagree with you in one case only…IRS DD. These used to work, and indeed are SUPPOSED to work according to the terms of the bonus (they are a ‘Govt’ Direct Deposit) so the fact that they no longer work and that I don’t have any other way of triggering the bonus led me to call Chase CS. After I explained to them that the Tax Refund was a Direct Deposit from the Government that met the requirements, and indeed had triggered the bonus automatically in the past, they agreed that I should get the bonus.
          • William Charles says:

            April 8, 2017 at 10:32 pm

            Yea, calling with a legitimate DD is a bit different…
    • Ken says:

      November 17, 2016 at 8:06 pm

      Why not just do Bill Pay? Surely you have bills that need paying 😉

      Reply
91. Allen says:

    November 17, 2016 at 8:41 pm

    HSBC update: the initial opening deposit coded as “P2P” (no surprise)
    Tried a Chase ach — coded as “DEPOSIT FROM JPMORGAN CHASE-EXT TRNSFER”
    Tried a Bluebird ach — coded as “DEPOSIT FROM BLUEBIRD-EXCHANGE”

    No monthly fees yet, so maybe the Bluebird is successfully triggering the DD requirement…

    Reply
92. DD says:

    November 17, 2016 at 9:03 pm

    anyone have any idea if a Chase business account in your name can be used as an “employer” to trigger bonuses on a personal account? CapOne360 in particular but no one really talked about it…

    Reply
93. Ray Aba says:

    November 18, 2016 at 6:42 pm

    Provident Credit Union push transfer to Chase checking triggered bonus Nov 2016 . It took over a week almost two to post. confirmed.

    Reply
    • William Charles says:

      November 18, 2016 at 11:05 pm

      Thanks, added.

      Reply
      • zjts says:

        November 19, 2016 at 12:55 pm

        The list says alliant push no lnger counts as dd at chase but what about capital one? I see it crossed out on the old list but not mentioned on the current list. Why is there no reference anywhere on https://www.doctorofcredit.com for the current chase prmier plus checking offer (which can be done online)?:
        Enjoy $300 on us
        As a new Chase checking customer, when you open a
        Chase Premier Plus CheckingSM account1 and set up direct deposit2

        Reply
94. Bodiddely says:

    November 19, 2016 at 6:16 pm

    Schwab bank ACH transfer to Chase worked as a DD to avoid monthly maintenance fee.

    Reply
    • William Charles says:

      November 19, 2016 at 8:48 pm

      Ok, we won’t add that to this post as it’s slightly different to what triggers the bonus.

      Reply
95. Ben says:

    November 21, 2016 at 1:02 am

    Chase bonus dp:
    Robin hood worked, u.s. bank did not.

    Reply
    • William Charles says:

      November 21, 2016 at 1:44 am

      Added

      Reply
      • Allison Petteway says:

        November 26, 2016 at 10:51 am

        How exactly did it work please

        Reply
    • Allison Petteway says:

      November 25, 2016 at 12:03 pm

      How exactly did robin hood work?What did you do?I’m waiting on the two small deposits from Robinhood to my bank to verify my bank account. Did those two small deposits trigger it?Or did you get your account verified first, then send money from that account then right back to that account. Or did you add money from another account then send it to your chase account. I’m confused, and how long did it take after the deposit for you to see anything pending from chase?

      Reply
      • Ben says:

        December 6, 2016 at 6:59 pm

        One thing to know is that robin hood requires that you send money back to the account you got it from. I can’t remember the exact timing, but I verified the chase checking to robin hood with the two small deposits first. Then I transferred $10 from chase into robin hood and waited a few days for it to clear. You’ll know it’s cleared and good to transfer back to chase by looking under account summary-> cash available for withdrawal. Then I sent it back to chase through the robin hood app. The next Tuesday after Chase received the $10 I got the bonus.

        Reply
    • Allison Petteway says:

      November 26, 2016 at 10:53 am

      How did robinhood work for you. Was it the two small deposits they sent to your account? And how long did it take for you to see pending for chase?

      Reply
96. Saphira2021 says:

    November 22, 2016 at 6:39 pm

    Did a push from Alliant to Santander. the transaction apprears as below. I am new to this and would like to know if this counts as direct deposit for Santander checking bonus offer? thanks

    Alliant CU. ONLINE WD

    Reply
97. leifinsoul says:

    November 23, 2016 at 6:30 am

    Did a push from Cap One 360 to Bank of America.

    “Transaction category” displays as “Income: Deposits”

    Anyone know if this means it qualifies as direct deposit?

    Reply
    • Nick says:

      January 24, 2017 at 5:14 pm

      Mind sharing if the Cap360 pushes worked?

      Thanks

      Reply
98. Marcus Aurelius says:

    November 23, 2016 at 11:34 am

    Hi I just got into his lucrative hobby this month and I’m trying to learn the ropes. It’s fun; I’m at over $1,000 (hopefully soon to be earned) so far. Can you explain what it means if it says on this page like

    Bank A Works: Bank B, Bank C.

    I’m trying to get the direct deposit bonus from Bank A. How do I accomplish that via Bank B? I already have an account at Bank B. If I set up an online transfer, from self to self, initiated by Bank B (they will first send two test deposits), and then send the minimum amount of direct deposit required by Bank A, will that work? I see reference to P2P as well…do I need to send it P2P or via billpay or something, rather than a standard online transfer?
    In this case Bank A is Santatander.

    Reply
    • William Charles says:

      November 23, 2016 at 7:30 pm

      It basically means what ACH transfers have worked in the past. So with Santander a transfer from Capital One 360 has worked in the past but Discover has not. What you described will work. Hope that helps.

      Reply
99. qing says:

    November 26, 2016 at 11:05 pm

    I don’t know how to set up a direct deposit if I don’t have the wage.Can you help me.

    Reply
    • Chuck says:

      November 26, 2016 at 11:38 pm

      You can make an ACH transfer and it might work. Check the data points in this post to see what works and what doesn’t.

      Reply
100. Mrs. Gee says:

     November 29, 2016 at 5:14 pm

     DP for Key Bank : ACH from Capital One 360 triggered the bonus.

     Reply
     • William Charles says:

       November 29, 2016 at 8:09 pm

       Added, thank you kindly.

       Reply
101. Jan A. says:

     December 6, 2016 at 4:02 am

     Hi DoC, topcashback payout (small amount of $10.20) to Chase account triggered $300 checking bonus (November 2016). And of course… thanks for all your work…

     Reply
     • William Charles says:

       December 6, 2016 at 5:23 pm

       Thank you for the DP!

       Reply
102. Craig says:

     December 6, 2016 at 10:44 pm

     Some DP for you:

     Alliant ACH triggered the $150 bonus for Bank of the West.
     Alliant ACH triggered the $150 bonus for Santander.
     Alliant ACH triggered the $200 bonus for Cap 1 360.
     Cap1 360 ACH triggered the $150 bonus for Santander (for significant other).
     Chase Business Checking ACH triggered the $150 bonus for TIAA Direct.

     Reply
     • Craig says:

       December 6, 2016 at 10:48 pm

       Should note that these were all ACH pushes to the account with the bonus.

       Reply
103. Adam D says:

     December 8, 2016 at 1:47 am

     REPOSTED DATA POINTS FOR $400 PNC OFFER:

     Fidelity has worked for me for over 12 banks as DD for bonus purposes. However, PNC categorized the ACH deposit as “transfer”. My real DD (less than $2000 was “other income”). Fidelity did not work, I ach’d with TIAA DIrect as it showed up a “other income” and the $400 bonus posted yesterday, about 2 weeks after TIAA push….DoC please update for PNC as TIAA Direct as works for DD, and Fidelity as not even though it has in the past. PNC bonuses are too lucrative to miss out.

     My theory is that since TIAA Direct has some sort of affiliation with teacher’s pensions, or has in the past that this is the go to bank now for ACH pushes, I signed up for the $150 a few months ago, but in retrospect I would sign up for this bank solely for the purpose of the highest probability of activating the DD bonues for other financial institutions.

     Reply
104. Jay says:

     December 9, 2016 at 11:42 am

     I had a transfer from Robinhood count toward my direct deposit total on one of my Wells Fargo statements

     Reply
105. Jay says:

     December 9, 2016 at 12:01 pm

     I had a transfer from Robinhood count toward my direct deposit on one of my Wells Fargo statements.

     Reply
     • Jay says:

       December 9, 2016 at 12:01 pm

       oops

       Reply
     • William Charles says:

       December 9, 2016 at 6:41 pm

       Thanks!

       Reply
106. sam says:

     December 10, 2016 at 4:22 pm

     Is there any info about Astoria Bank? and Justice Federal Credit Union? thx

     Reply
107. Beth says:

     December 17, 2016 at 10:59 am

     Opened Chase Total Checking with coupon for Man and Me. Wells Fargo transfer triggered $300 bonus for both of us. It’s still working…

     Reply
     • William Charles says:

       December 17, 2016 at 11:16 pm

       Thanks, added DP

       Reply
108. Matt says:

     December 22, 2016 at 8:51 pm

     One more data point for you.
     Transferred $500 using Square’s service Cash.me – Did NOT trigger the $300 Direct Deposit bonus.

     Reply
     • William Charles says:

       December 22, 2016 at 9:30 pm

       For what account?

       Reply
       • Matt says:

         December 23, 2016 at 10:10 am

         Sorry forgot to say – it was for Chase’s $300 Direct Deposit bonus. Thanks!

         Reply
109. Ed says:

     December 26, 2016 at 9:17 pm

     Tax refund time coming soon- I think you can split a DD to 2 or 3 banks

     Reply
110. sirtheta says:

     December 27, 2016 at 1:36 pm

     First Tennessee DP. Schwab ACH push indeed counts (bonus awarded 15 days later).

     Reply
     • William Charles says:

       December 27, 2016 at 7:44 pm

       Thanks added DP, by the way are you ‘out of state’ for First Ten?

       Reply
111. Grindelwald says:

     December 27, 2016 at 7:10 pm

     WELLS FARGO ACH transfer triggers “$300 for New Checking” pending transaction just in 4 days. Confirmed.

     Reply
     • William Charles says:

       December 27, 2016 at 7:37 pm

       Thanks, this is for Chase right?

       Reply
112. chad says:

     December 28, 2016 at 12:28 pm

     Does Chase transfer to CapOne360 trigger bonus? I need to DD $250 twice for the $200.

     Reply
     • Chad says:

       December 29, 2016 at 12:39 am

       Edit* I’m trying to get bonus from the 360 account

       Reply
113. Roberto says:

     January 5, 2017 at 3:03 am

     Chase DPs: USAA does NOT trigger the DD requirement, but Fidelity did.

     Reply
     • William Charles says:

       January 5, 2017 at 5:27 pm

       Thanks, added DP

       Reply
114. jnrfalcon says:

     January 8, 2017 at 1:53 am

     Why I remember I saw Discover under Wells Fargo… Anyway, Discover initiated transfer does count toward the $500 DD requirement for WF Everyday Checking. Actually was told by the WF banker who opened my account… and I’ve been using it for almost a year now.

     Reply
     • Kevin says:

       January 18, 2017 at 2:37 am

       @jnrfalcon,

       By Discover, you meant “Online Banking” of Discover Bank, right? Not deposit your rewards or cashback bonus of a Discover credit card to your Wells Fargo Everyday checking account. Your answer would be much appreciated.

       Reply
115. JASON says:

     January 8, 2017 at 2:38 pm

     ACH push from Alliant counts as direct deposit to Wells Fargo.

     I did one ACH transfer from Alliant checking in last statement and realized the statement indicates that it is couned as DD that meets the criteria for waiving monthly fees. In the past, I used wells fargo’s debit card via google wallet to send to my dad to have 10 debit purchases to waive the fees.

     Reply
116. mark says:

     January 11, 2017 at 12:45 am

     I sent a Chase transfer to Ocean First. No dice.

     Reply
117. JfromOH says:

     January 12, 2017 at 9:14 pm

     DP: Chase provided $300 bonus 5 business days after $100 transfer via Fidelity transfer.

     Reply
     • William Charles says:

       January 12, 2017 at 10:01 pm

       Added DP

       Reply
       • Rahul says:

         January 24, 2017 at 2:01 pm

         Does the transfer have to be from Fidelity brokerage or from Fidelity checking account? Thanks!

         Reply

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119. Sam says:

     January 13, 2017 at 7:55 pm

     Wells Fargo ACH will count as DD for PNC. Paypal deposits also count for PNC.

     Reply
     • RTC says:

       January 20, 2017 at 8:32 am

       Did you use your personal account, spouse, stealth account, etc? Just curious how it codes on pnc’s end.

       Reply
120. Jelena says:

     January 14, 2017 at 3:24 pm

     Any idea if serve is working for capital one 360? I’m finding conflicting info.

     Reply
121. Richard says:

     January 18, 2017 at 10:27 am

     As others have already reported, I transferred $501 (I suppose it could have been less) from my Barclay Online Savings Account into my Chase Checking account and they counted it as a direct deposit. I received my Chase checking sign-up bonus about a week after the transfer posted.

     Reply

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123. SA says:

     January 19, 2017 at 5:56 pm

     Any recent data points on ACH transfer being counted as DD for Bank of America?

     Reply
124. Adam D says:

     January 20, 2017 at 8:52 pm

     DATA POINT:

     Fidelity (FID-Moneyline) triggered the bonus on TIAA-Direct $150 bonus on 12/30/16.

     Reply
125. Saphira2021 says:

     January 21, 2017 at 11:22 am

     Quorum Federal Credit Union is not listed here?

     Reply
     • William Charles says:

       January 31, 2017 at 12:14 am

       No data points yet

       Reply
     • crustymech says:

       February 27, 2017 at 1:38 pm

       Be the DP you want to see Saphira!

       Reply
     • Frito Pendejo says:

       May 22, 2017 at 6:54 pm

       Discover ACH kept my QFCU account fee free.

       Reply
126. Da Madd Cyantist says:

     January 23, 2017 at 3:45 pm

     Confirmed DP: Ally counts as Direct Deposit for Wells Fargo

     1/20 – Transfer $500 from Ally to Wells Fargo (Detail Category says Direct Deposit, but has P2P in transaction name)

     1/23 – Promotion Bonus Pending

     Reply
     • BrainSmatter says:

       January 24, 2017 at 5:40 pm

       Thanks for the DP! Is this Ally checking or Ally savings, or does it even matter? I’m new to this, so apologies if this is a silly question!

       Reply
     • William Charles says:

       January 30, 2017 at 11:25 pm

       Added thanks

       Reply
127. SA says:

     January 23, 2017 at 4:11 pm

     I tried ACH from Chase to regions and it shows as JPMorgan Chase Ext Trnsfr. I do not think it posted as Direct Deposit as mentioned (or am I missing something?).

     Reply
128. Arley says:

     January 24, 2017 at 12:38 pm

     Another Chase DP for DD with Fidelity

     I opened the Chase Savings & Checking account $300+$200 offer. I transferred $100 using Fidelity ACH on January 20, and on today, January 24, there is a pending credit for $300 for New Checking.

     Fidelity ACH credit is posted as “FID BKG SVC LLC MONEYLINE PPD ID” ACH credit

     Reply
     • William Charles says:

       January 30, 2017 at 11:12 pm

       Added thanks

       Reply
     • A in TX says:

       February 7, 2017 at 2:02 pm

       I also did an ACH transfer from Fidelity Brokerage on Jan 30 and by the next day or two I think it posted the same – as “FID BKG SVC LLC MONEYLINE PPD ID” ACH credit. It took until Feb 7 for the pending credit $300 for New Checking to appear. So it can take over a week.

       Reply
     • A in TX says:

       February 7, 2017 at 2:11 pm

       I made an ACH transfer from Fidelity Brokerage on 1/28, and it posted on 1/30 as “FID BKG SVC LLC MONEYLINE PPD ID” ACH credit. It took until 2/7 for the $300 credit pending for New Checking to show up in my Chase checking account. So it can take over a week, FWIW.

       Reply
129. Pitter98 says:

     January 24, 2017 at 5:07 pm

     This is a bit overdue, but I ACH transferred $700 on 10/17 from Pentagon Federal Credit Union to Chase and it triggered the $500 checking bonus.

     Reply
130. JT says:

     January 25, 2017 at 11:42 am

     CONFIRMED DATA POINT (DP):

     A withdrawal from my Amazon Payments (shopper) account to my Chase Premier Checking triggered the $300 bonus.

     Reply
     • Mordecai Israel says:

       July 3, 2017 at 5:14 pm

       What is an amazon payments shopper how do you do that.

       Reply
     • Brian says:

       August 15, 2017 at 9:09 pm

       Also curious how you did this… is this through Mechanical Turk?

       Reply
       • JT says:

         August 15, 2017 at 9:15 pm

         Yeah it was mturk

         Reply
         • Brian says:

           August 15, 2017 at 9:27 pm

           Will give it a shot!

           Reply
131. GMIL says:

     January 25, 2017 at 11:55 am

     DP: Barclays Savings Account push to Chase Savings did not trigger DD bonus.
     ACH Push 1/11/17, No bonus as of 1/25/17

     Reply
     • Ken says:

       January 25, 2017 at 1:06 pm

       That’s because you need to maintain a $15,000 balance in the savings account for 90 days to get the $200 😉

       Do you mean ACH from Barclays to Chase Checking didn’t work?

       Reply
132. Willy Brandt says:

     January 27, 2017 at 1:47 pm

     I use Fidelity (Brokerage / MySmartCash) for all my accounts, and haven’t had a rejection yet. Data points for checking or savings accounts where I’ve gotten a bonus, or needed to have an ACH credit

     Wells Fargo
     Chase
     HSBC
     Capital One 360
     BofA
     Stanford Federal Credit Union
     Discover
     Citi
     US Bank

     Reply
     • chad says:

       January 30, 2017 at 1:31 pm

       Any idea if PenFed to CapOne 360 would trigger the CapOne 360 bonus?

       Reply
133. Chris says:

     January 29, 2017 at 10:57 am

     BPyser1 confirmed Amazon Payments works for Regions DD.

     https://slickdeals.net/f/9684048-regions-banking-new-regions-lifegreen-checking-account-online-earn-400-credit-new-customers-only-select-locations?p=95604492#post95604492

     Reply
     • William Charles says:

       January 30, 2017 at 12:16 am

       Thanks, added DP.

       Reply
134. D says:

     January 29, 2017 at 11:47 am

     PNC push counts as DD for M&T Bank bonus (January 2017)

     Reply
135. Thomas says:

     February 2, 2017 at 7:57 am

     PenFed ACH counts as DD for Regions as well as Wells Fargo. Confirmed twice on each, once for me and once for DW.

     Reply
136. sam says:

     February 3, 2017 at 1:05 am

     I did DD from Chase Checking to Wells Fargo – got my bonus after 3 days.

     Reply
     • Jerry says:

       February 17, 2017 at 5:00 pm

       Can you please explain how did you initiate DD from chase checking into WF? Thanks.

       Reply
137. Matthew says:

     February 3, 2017 at 1:46 am

     I know I’m a little behind, but Discover worked for TIAA in November.

     Also in December, either Discover or PayPal worked for PNC. I got scared that Discover wouldn’t work since it showed up as P2P. I know that’s probably not very helpful…

     Reply
     • William Charles says:

       February 5, 2017 at 9:00 pm

       Thanks added

       Reply
138. David B says:

     February 3, 2017 at 11:30 am

     Another DP: Tech CU to US Bank has been working as a DD.

     Reply
     • William Charles says:

       February 5, 2017 at 8:55 pm

       Added

       Reply
     • Roberto says:

       February 27, 2017 at 3:31 am

       Thank you David!

       Reply
     • eclipsor says:

       July 14, 2017 at 11:30 am

       mind sharing the description of what it said when it posted? trying to see if my local CU will count too

       Reply
139. Dan says:

     February 5, 2017 at 3:26 pm

     DP: Alliant ACH into GoBank counts as direct deposit.

     Reply
     • William Charles says:

       February 5, 2017 at 7:34 pm

       Thanks

       Reply
       • Ethan says:

         May 8, 2017 at 1:26 pm

         DP: Chase ACH into GoBank counts as DD.

         want to know if anyone tried Northpointe.

         Reply
140. DT says:

     February 6, 2017 at 3:04 am

     Washington Mutual should probably be removed. It was taken over by Chase in 2008 and rebranded to Chase in 2009.

     Reply
     • William Charles says:

       February 6, 2017 at 5:34 am

       Removed

       Reply
141. Tortoiseshell says:

     February 7, 2017 at 8:26 am

     DP: ACH push from Schwab to PNC coded as a P2P web payment. Not 100% sure yet it wouldn’t apply to the bonus, but I’m not counting on it.

     Reply
142. Tortoiseshell says:

     February 7, 2017 at 8:36 am

     Sorry, added DP about Schwab push to PNC coding as a P2P transfer, but maybe should have specified that it was from a Schwab bank account, as opposed to the brokerage account. (comment is still in moderation but wanted to post before I forget)

     Reply
143. Summit says:

     February 7, 2017 at 3:56 pm

     DP: Wells Fargo ACH transfer triggered Chase Direct Deposit for $300 checking account bonus. Payment is processing today on 2/7/2017.

     Reply
     • William Charles says:

       February 7, 2017 at 9:23 pm

       Added, thanks

       Reply
144. AN says:

     February 7, 2017 at 4:20 pm

     Wells Fargo transfer worked for Chase checking bonus.

     Reply
     • William Charles says:

       February 7, 2017 at 9:21 pm

       Thanks, added

       Reply
145. J.M. says:

     February 8, 2017 at 8:46 am

     Can someone clarify exactly that action has been taken on the user’s side when they say they’ve executed an ACH from one bank to another?

     I know what the acronym ACH stands for, but it doesn’t tell me the steps the user is taking to ensure that the transfer is coded as an ACH.

     Many banks seem to have multiple ways within their own software to initiate money transfers. Linking accounts, sending to friend (which could be yourself), Bill Pay, etc.

     Take PayPal for example, which a lot of people use for DDs. Are they linking both Checking accounts to the same PayPal and simply moving money into and out of PayPal (executing the transactions on the PayPal side of things)? Or are they utilizing multiple PayPal accounts so that it appears as if they are transferring money to a different person?

     Many thanks!

     Reply
     • sam says:

       February 11, 2017 at 2:23 pm

       1. All online transfers between your LINKED accounts are ACH!! 2. Depend on the banks they sometimes count transfers as Direct Deposit or P2P. P2P most of the time not count as Direct Deposit and will not trigger any bonuses. 3. Transferring money from PayPal again is ACH – but again depend on the bank it will count as DD or P2P. people using their own and one PayPal and transfer money back and forth…..!!!

       Reply
       • J.M. says:

         February 11, 2017 at 2:25 pm

         Thanks. That was my understanding. Appreciate the confirmation.

         Reply
         • sam says:

           February 11, 2017 at 9:10 pm

           U r welcome)
           Once again! If banks will notice any of these on your account – you probably won’t get any bonuses! And PayPal not count BY BANKS officially as PayRoll (DD). And you only can add and transfer between YOUR linked accounts under YOUR name – otherwise it will be banded or you would have to pay fees if you want to send money someone else….

           Reply
146. Phil S says:

     February 8, 2017 at 9:13 am

     Wells Fargo ACH for Chase checking bonus did not work for me.. would someone mind sharing their steps in getting this to work?

     Last week, I did a push from Wells to Chase ($250) after verifying the trial deposits. No bonus posted as of this morning.

     Thanks

     Reply
     • William Charles says:

       February 8, 2017 at 8:37 pm

       Wait till next tuesday, still doesn’t work then I guess it doesn’t work anymore

       Reply
       • Phil S says:

         February 10, 2017 at 8:57 am

         Thanks

         Also wanted to mention that Chase has a feature in its mobile app to send a push notification if a direct deposit is received in the account. Could be an easy way to see which transfers are counted as direct deposits.

         FWIW, I did another transfer from Wells Fargo and received a push notification that a direct deposit was received in the account, so I expect the bonus will post this upcoming Tuesday

         Reply
         • Chris says:

           February 10, 2017 at 11:07 am

           I’m in the same boat. I did a WF transfer last Friday (2/3) and I’m still waiting. Also did a Fidelity transfer on Tuesday (2/7) so maybe that will trigger it.

           Reply
         • Phil S says:

           February 14, 2017 at 9:56 am

           DP: I can confirm that Wells Fargo ACH to Chase Checking triggered $300 bonus

           Thanks DoC!

           Reply
           • Chris says:

             February 14, 2017 at 10:33 am

             Mine also posted this morning. It was either Fidelity or WF that triggered it (or both).
           • Jerry M says:

             February 17, 2017 at 12:55 pm

             Can you explain me how to initiate ACH transfer through WF account? TIA.
147. i_just_have_no_idea says:

     February 8, 2017 at 10:54 am

     Unfortunately, Capital One P2P payments no longer register as direct deposits in Bank of America. They now just register as transfers, thus, not triggering any minimum direct deposit bonuses. I just tried this this past week.

     Reply
     • William Charles says:

       February 8, 2017 at 8:35 pm

       Probably haven’t waited long enough to know for sure it doesn’t trigger the bonus just yet.

       Reply
       • i_just_have_no_idea says:

         February 9, 2017 at 8:20 am

         Thanks for the update, that’s possible, I’ll wait a week or so and report back. I was just going by the following info, which appeared on the posted transaction:

         Type:Transfer
         Description: Mobile/Email Transfer Conf#######
         Transaction category: Uncategorized: Pending

         Reply
       • i_just_have_no_idea says:

         February 15, 2017 at 10:12 am

         As an update, it looks like Cap One P2P did not trigger the Bank of America Direct Deposit welcome offer. Upon further inspection, however, it appears I was only supposed to do a basic transfer, and not use P2P. So, I’ve just done that and will update again when it happens.

         Reply
         • William Charles says:

           February 15, 2017 at 7:41 pm

           Thanks

           Reply
         • Josie says:

           March 2, 2017 at 3:16 pm

           Any update on if you got the Cap One 360 transfer to trigger Bof A bonus? I did my $4000 a few weeks ago and still waiting. If so, what did you do?

           Reply
           • i_just_have_no_idea says:

             March 2, 2017 at 4:42 pm

             I did not get the bonus and have moved on to using a traditional DD.
         • Josie says:

           March 3, 2017 at 11:59 am

           Sorry if I’m being a nuisance. But, could you clarify what you mean by moving on to try a ‘traditional DD’? I’m considering trying the Serve option myself, if necessary.

           Reply
148. J.M. says:

     February 8, 2017 at 1:43 pm

     Here’s a good random question? Why do banks require DDs at all? Is it to increase their overall cash holdings, with the assumption being that most customers who do a DD will put their entire salary/wage into the single DD at a bank? Maybe it’s so they can plan cash flows better, since they can see what funds are expected to be deposited on a regular basis?

     Reply
     • sam says:

       February 11, 2017 at 2:16 pm

       Yes, it’s statistics (prediction made using math analysis)!

       Reply
149. Ron Okpisz says:

     February 8, 2017 at 9:00 pm

     I thought I published a comment a couple weeks ago asking about the Santander and Serve as DD for checking bonuses, but I don’t see it anywhere here, did it not get published for some reason?

     My question was, for AMEX Serve as the DD for a checking bonus at Santander, do you have to TRANSFER it from the SERVE side and link to the Santander acct at Serve, or can you make the external acct link at Santander for the SERVE acct and then just do a ACH deposit from the Santander side with the $$ coming from the SERVE acct?

     Serve only allows one bank acct link at a time apparently, so I’d have to delete my credit union and add Santander if it has to be done from the SERVE side. If it can be done from the Santander side I just need to create an external link at Santander for the SERVE acct, then make a deposit from SERVE.

     I guess I will try it that way and see if it counts for the DD, if it doesn’t for some reason, I’ll have to do it the “harder” way and remove my CU from Serve and add Santander there.

     Thanks in advance for any experience anyone else has had with this.

     Reply
     • William Charles says:

       February 8, 2017 at 9:18 pm

       Maybe it went into spam, but I see this comment and have approved it.

       Reply
     • Tortoiseshell says:

       February 12, 2017 at 10:19 pm

       I haven’t had any success linking to my Serve from an outside bank. Did you do anything special?

       Reply
150. LC says:

     February 10, 2017 at 3:05 pm

     Ally bank $500 transfer counted as Direct deposit for Wells Fargo account, $250 bonus posted next business day.

     Reply
151. Megan says:

     February 10, 2017 at 3:49 pm

     Can anybody tell me if a tax refund, deposited into one of these accounts would qualify as a direct deposit? Thank you!

     Reply
     • Chuck says:

       February 12, 2017 at 1:24 am

       There’s a good chance it will

       Reply
     • Pat says:

       March 2, 2017 at 11:28 pm

       I assume you mean if the IRS/State or whomever sends your refund directly to your bank. Should work.

       Reply
152. Rusty says:

     February 11, 2017 at 7:20 pm

     Are we counting methods that are known to waive the monthly fee?

     If so, I can confirm that these methods work for DD

     Works at Wells Fargo:
     – Santander Checking
     – Discover Savings
     – Barclays Savings

     Works at Chase:
     – Wells Fargo Checking
     – Santander Checking

     Reply
153. Andrew says:

     February 12, 2017 at 12:27 pm

     Serve works for Bank of America

     Took advantage of a $300 bonus offer which expired Dec 31st, 2016,
     by opening checking account on Dec 28th, 2016.

     Transferred a total of a little over $4000, in $1001
     weekly direct deposits, into the new account.

     The last direct deposit which put it over the $4000 total,
     was on 02/06/2017.
     The $300 bonus hit the account on 02/08/2017.

     Reply
     • Bucktastik says:

       March 10, 2017 at 4:53 pm

       Nice, two days!

       Reply
154. JR says:

     February 12, 2017 at 5:43 pm

     Anyone have and DPs about how Associated Bank Popmoney codes? Specifically looking for Chase, Santander, and WF for DD requirements.

     Reply
     • goodguys21 says:

       April 6, 2017 at 10:42 am

       Did you try using Popmoney ? How was your experience counting as DD requirement ?

       Reply
155. Tortoiseshell says:

     February 12, 2017 at 10:22 pm

     So I have tried a couple of means of triggering DD for PNC.

     One bank coded as a transfer, so I’m assuming that’s not working (Schwab). So far, Fidelity is coding as a “deposit”, but not as “salary/direct deposit”, which the verification test deposits from Serve coded as. I’m still waiting on the Serve withdrawal to see how it codes.

     Does anyone have an DPs about a “deposit” counting for a DD?

     Reply
     • ray says:

       February 13, 2017 at 2:32 pm

       Fidelity Moneline counted as DD by PNC for me last Nov.

       Reply
       • William Charles says:

         February 13, 2017 at 7:50 pm

         Thanks added dp

         Reply
156. Eduardo Baez says:

     February 14, 2017 at 7:36 pm

     Data Point for Wells Fargo Direct Deposit Triggers: ACH Push from Goldman Sachs Savings Account, ACH Push from Fidelity Cash Management Account and ACH Push from Discover Cash Back Bonus Checking Account all were qualified as Direct Deposits by Wells Fargo.

     Reply
     • William Charles says:

       February 14, 2017 at 8:05 pm

       Did you get the bonus on four separate accounts?

       Reply
       • Eduardo Baez says:

         February 15, 2017 at 9:48 am

         No, only one $250 Wells Fargo bonus for which Direct Deposit was optional. I got the bonus right after the last of my 10 debit card purchases posted. However, I think it is good for everybody in DOC forum, to have confirmed data points for future Wells Fargo bonuses requiring direct deposit. I confirmed my data points by looking at my Wells Fargo statement yesterday. The statement includes a detailed section of how the monthly fee can be waived. For the line stating you need at least $500 direct deposit a month to waive the fee, my total qualifying direct deposit amount figure for the month was provided and also a check box close to it which indicated I fulfilled that requirement. After adding all three ACH push transfer amounts (Goldman Sachs, Fidelity and Discover) plus some verification small deposits (Discover sand EverBank) they matched exactly to my statement total qualifying direct deposit amount figure for the month. So, 100% confirmed they are qualified direct deposits.

         Reply
157. Dusty says:

     February 15, 2017 at 6:42 pm

     FirstBank (CO) DP: >$500 Serve ACH push counted as DD.

     Reply
     • William Charles says:

       February 15, 2017 at 7:12 pm

       Thanks, added.

       Reply
158. JC says:

     February 16, 2017 at 8:40 pm

     Great site William! Just want to point out that an ACH transfer from Discover Bank to Bank of America does NOT count as DD. It happened to me on January 2016. Hope this helps! Have a great one!

     Reply
159. Dustin says:

     February 17, 2017 at 5:20 pm

     I dont think Capital One 360 works anymore for Bank of America requirement of DD

     Transferred Capital One 360 to BoA for $4001 on 02/06/2017

     coded as Deposit

     no bonus yet. Seen others get bonus as early as a few days

     Reply
     • i_just_have_no_idea says:

       February 20, 2017 at 10:25 am

       I’ve also just made a transfer in the same way and am at about three days without a bonus. I’ll report back after a week or so either way.

       Reply
160. Dustin says:

     February 18, 2017 at 5:09 am

     Cap360 does not count for BoA DD checking anymore

     Deposited and its been 2 weeks with no bonus. Seen people post here they got bonus as early as a couple of days

     Reply
     • William Charles says:

       February 19, 2017 at 7:20 pm

       Sometimes banks batch process so I wouldn’t consider that confirmed as not working.

       Reply
     • Stef says:

       April 4, 2017 at 4:03 pm

       Just wondered if this worked? I’ve got a BofA DD I need to accomplish. Thanks.

       Reply
161. Nick says:

     February 21, 2017 at 10:59 am

     Wells Fargo counts PenFed trial as DD

     PENTAGON FEDERAL TRIAL CR $0.36
     Category: Direct Deposits

     Reply
162. LMJ says:

     February 21, 2017 at 11:20 pm

     02/13/17 ONLINE TRANSFER TO JPMORGAN CHASE BANK
     02/15/17 WELLS FARGO DDA TO DDA PPD, ACH credit
     trigger DD for Chase

     Reply
     • LMJ says:

       February 23, 2017 at 7:57 pm

       02/21/2017 got chase bonus

       Reply
163. Derek says:

     February 23, 2017 at 11:53 am

     William,

     Just wanted to let you know that a Chase ACH I transferred to PNC last month counted as a direct deposit on my PNC statement

     Reply
     • William Charles says:

       February 23, 2017 at 7:27 pm

       Thanks, added

       Reply
     • CHSE says:

       March 3, 2017 at 7:46 am

       Did you do a transfer from your Chase checking or Savings? Also, I assume it was a personal acct and not a biz acct, right?

       Reply
164. MM says:

     February 23, 2017 at 9:03 pm

     Don’t know if you want to add small credit unions, but University Federal Credit Union (Texas only) ACH transfer triggered DD for Chase this month.

     Reply
     • William Charles says:

       February 23, 2017 at 9:51 pm

       Yup, we add all DP.

       Reply
       • GGG says:

         February 28, 2017 at 6:10 pm

         Good policy- Came here to check this exact thing, with this exact bank ! Thanks to you both !

         Reply
         • William Charles says:

           February 28, 2017 at 9:49 pm

           🙂

           Reply
165. i_just_have_no_idea says:

     February 24, 2017 at 2:25 pm

     Just a note that I’m at the seven day mark of having transferred from Cap One to Bank of America, meeting the balance requirement, and still haven’t received the bonus. I know it’s still not long enough, but wanted to update.

     Reply
     • Kate says:

       March 26, 2017 at 10:51 pm

       Any idea yet if Cap One will trigger BoA DD requirement for bonus?

       Reply
166. J says:

     February 24, 2017 at 2:55 pm

     Just got my $300 bonus from Keybank (2/22). I’m pretty sure that it counted my $500 ACH transfer from Ally bank as a DD (2/2). When I saw a DP on here that said Ally ACH might no longer count, I started depositing all of my money from Venmo into Keybank, but I’ve only deposited $470 from there.

     Reply
167. Jadon B says:

     February 24, 2017 at 4:59 pm

     DP: Keybank, transfer from local CU worked for bonus

     local CU: oregon community credit union (OCCU)

     added my and wifes key bank account to OCCU as external account 1/24/17 and did the 2 small transfer verification, pushed $500ish to each account 1/27/17

     both bonus posted 2/24/17

     on keybanks side it showed as ACH,OREGON COMM CU A2ATRANSFR FIRSTNAME LASTNAME

     ACH yes
     OCCU yes

     Reply
168. Joseph says:

     February 25, 2017 at 12:36 am

     Wells fargo registers a paypal transfer as DD, my wife and I got 500 bucks total in bonus this morning.

     Reply
     • William Charles says:

       February 26, 2017 at 9:50 pm

       Thanks, added DP

       Reply
169. Pat says:

     February 25, 2017 at 3:38 pm

     Another easy option for qualifying direct deposits is to grab a business name and open a business checking account. Be certain to fulfill any state/city/county requirements since the bank may need to see the license or other paperwork. Quite a few banks have free business checking. Then set up direct deposits to yourself. Change or discontinue them as needed.

     Reply
     • Roberto says:

       March 1, 2017 at 12:03 am

       Interesting idea, I hadn’t thought of that. Any DP’s to see if Chase Biz Checking typically counts as a DD?

       Reply
170. Jeff says:

     February 27, 2017 at 2:34 pm

     Discover worked for 5/3 bank for me, as of 2/14.

     Reply
     • William Charles says:

       February 27, 2017 at 8:20 pm

       Thanks added

       Reply
     • Adam says:

       March 7, 2017 at 5:31 pm

       How did you set up the transfer from discover? I tried it from both the discover side and from the 5/3 side and neither seems to have worked.

       Reply
171. Roberto says:

     March 1, 2017 at 12:04 am

     Second DP for Tech CU. Cap One 360 worked for me.

     Reply

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173. Heidi says:

     March 1, 2017 at 3:32 pm

     Tried funding Citizens Bank with $1000 from CSP and it was declined. Tried again with Chase Disney and declined. Cash advance limit set to $100 on both. Fraud protection actually froze my CSP card which I found out when I tried to make an in-store purchase and was declined!

     Reply
     • Heidi says:

       March 4, 2017 at 9:11 am

       Update: After several days of phone calls between Chase and Citizens, the charge posted as a sale on CSP.

       Reply
174. Johnny says:

     March 1, 2017 at 3:57 pm

     An ACH from Huntington triggered my direct deposit requirement for Wells Fargo and my signup bonus has posted.

     Reply
175. Jake N says:

     March 2, 2017 at 11:47 am

     @Will / Chuck – just a functionality request here. I know it would be a bunch of work to backfill this info, but instead of including the data point #, could you include the date so that it’s easy to know when the last success was for a given DP?

     Reply
     • Ken says:

       March 2, 2017 at 11:54 am

       If you click on the number you’ll usually be taken to a comment with the date.

       Reply
       • Jake N says:

         March 2, 2017 at 12:17 pm

         Right, just saying it would be easier if the date were included upfront.

         Reply
         • Ken says:

           March 2, 2017 at 12:18 pm

           Even if it was just month/year it would take up a lot of space.

           Reply
     • William Charles says:

       March 5, 2017 at 11:25 pm

       Way too much work sorry, just click the link and you can see the date. That’s much easier than us manually adding the date each time.

       Reply
176. James says:

     March 2, 2017 at 11:18 pm

     I don’t think Wells Fargo works as a DD for Santander. I just did an ACH and it coded as “Wells Fargo DDA to DDA> I assume that means they caught it as being P2P?

     Reply
177. Antonio says:

     March 5, 2017 at 4:25 am

     Hey,
     New to here and I’m wondering what exactly does Wells Fargo ACH mean? If it’s “transfer money to another account using routing&account number” I’ve already done that to Chase checking, and iPhone notification did pop out to be direct deposit but 12 days have passed the bonus not in my account yet

     Thanks,
     Antonio

     Reply
     • JR says:

       March 5, 2017 at 12:50 pm

       Same situation. Just tried a Fidelity EFT last Thursday. Hopefully that does it.

       Reply
178. Albrecht says:

     March 6, 2017 at 10:47 am

     Data Point about Fifth Third bank: Ally transfer doesn’t work

     Reply
     • William Charles says:

       March 6, 2017 at 7:47 pm

       Added, thanks.

       Reply
179. JC says:

     March 6, 2017 at 3:47 pm

     DP: Transfer from Discover Checking coded as DD to Wells Fargo Everyday Checking.

     Reply

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181. Kumar says:

     March 8, 2017 at 12:21 am

     Another Data Point for US Bank : ACH transfer from Chase triggered recent Bonus.

     Reply
     • William Charles says:

       March 8, 2017 at 12:27 am

       Thanks, added

       Reply
     • Kang says:

       March 16, 2017 at 3:02 pm

       How long did you wait for the bonus? I ACH transferred from Chase to US Bank last Wednesday. The money was posted in US Bank last Saturday. It’s Thursday now. There is still no bonus. Thanks.

       Reply
182. Roberto says:

     March 8, 2017 at 2:17 pm

     DP: Push from Tech CU counted as DD for US Bank

     Reply
     • William Charles says:

       March 8, 2017 at 8:33 pm

       Added, thanks

       Reply
     • eclipsor says:

       July 14, 2017 at 11:29 am

       mind sharing the description of what it said when it posted? trying to see if my local CU will count too

       Reply
183. sam says:

     March 8, 2017 at 8:40 pm

     Does PayPal DD still counts as AHC for HSBC ?
     And what about Amazon Payments?

     Reply
     • William Charles says:

       March 8, 2017 at 8:50 pm

       Any DP we have are shared on this page.

       Reply
184. Curmudgeon says:

     March 9, 2017 at 2:35 am

     BMO Harris Bank direct deposit (DD) data points:

     posting as ACH Deposit WEB (probably not DD)
     – Discover Bank (actual ACH transfer)
     – PNC Bank (actual ACH transfer)

     posting as ACH Deposit PPD (should be DD since my payroll DD shows this way)
     – Chase (actual ACH transfer)
     – Wells Fargo (trial deposits only)
     – Key Bank (trial deposits only)
     – Mountain America Credit Union (trial deposits only)
     – Central Bank of the Midwest (trial deposits only)

     Reply
     • William Charles says:

       March 9, 2017 at 3:10 am

       Better to just keep datapoints to what triggered/didn’t trigger the bonus, otherwise it gets a bit confusing I think

       Reply
185. Ben says:

     March 10, 2017 at 9:59 am

     Is Paypal working for Bank of America?

     I see that its coding as deposit, and income

     any recent data pts?

     Reply

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187. Avi says:

     March 11, 2017 at 8:26 am

     M&T datapoints: ACH pushes from Amex Savings and from Citi checking both triggered bonuses.

     Reply
188. Wes says:

     March 11, 2017 at 9:18 am

     PNC dp: ach push from Fidelity cash management account triggered bonus.

     Reply
189. C J says:

     March 12, 2017 at 3:43 pm

     Transfer from DiscoverBank to Santander shows as P2P so I don’t think it counts as DD.

     Reply
     • William Charles says:

       March 12, 2017 at 10:10 pm

       That isn’t necessarily true.

       Reply
190. Steve says:

     March 14, 2017 at 10:11 am

     Just another DP of Wells Fargo counting as a DD for Chase. Transferred money from Wells Fargo on Wed. It finally went through with Chase on Friday and now today the bonus is pending.

     Reply
     • Bill says:

       March 15, 2017 at 9:34 am

       Yes, WF worked for me as well with Chase. However, I had previously read that even the test deposits triggered it, and that did not work for me, nor did it seem that a $10 transfer triggered it, either (My timeline: 3/2 – trial deposits, 3/6 – $10 transfer, 3/10 – $500 transfer, 3/14 – $300 bonus.

       I guess it’s possible that the $10 alone might have worked if I’d waited another week and I was just a day late getting it credited, but I didn’t want to take any chances since I had expected the bonus to post last week.

       Reply

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192. Dan says:

     March 15, 2017 at 9:30 am

     DP: Wells Fargo Transfer (ACH) to Chase new checking account. Recognized by Chase as DDA, but still get the bonus. Takes about 10 days.

     Reply
193. eclipsor says:

     March 15, 2017 at 4:29 pm

     push from provident cu counted as a DD with chase

     Reply
194. zburk says:

     March 16, 2017 at 9:29 am

     ACH from Ally to TD Bank coded as DD

     Reply
     • JumpTiger says:

       March 28, 2017 at 6:01 pm

       I was just ACH pushed from Ally to TD, and it was appears as P2P rather than DD, that is so weired. Idk if there any step that I was went wrong.

       Reply
       • zburk says:

         March 28, 2017 at 8:27 pm

         This is what I have TD Bank say
         “03/15/2017 DIRECTDEP ALLY BANK P2P”

         Reply
         • JumpTiger says:

           March 28, 2017 at 9:07 pm

           oh yup! thanks for notice that. I was only check on my iphone app, it only shows description but web base could shows the “type”.

           Reply
           • zburk says:

             May 20, 2017 at 2:34 pm

             Received the bonus credits 5/17
         • Jump Tiger says:

           May 31, 2017 at 1:22 am

           Completed $2500 DD from Wells Fargo at march 17th, another $2500 DD from Ally at March 27th. But I’m still waiting on bonus post.

           Reply
         • JumpTiger says:

           May 31, 2017 at 8:53 pm

           made $2500 from Wells Fargo March 17th, and another $2500 made by using Ally at March 27th. Still waiting on the bonus to be post. Seems like something is going wrong on my account.

           Reply
           • zburk says:

             May 31, 2017 at 8:56 pm

             Does it say DIRECTDEP online?
           • JuicyJosh says:

             May 31, 2017 at 9:20 pm

             Hang in there… I used Ally too and it worked just fine. Just gotta wait it out.
     • James says:

       May 20, 2017 at 2:37 pm

       When did you open your account and make the ACH?

       Reply
       • zburk says:

         May 20, 2017 at 2:44 pm

         Opened and funded around 3/14

         Reply
195. zburk says:

     March 16, 2017 at 3:42 pm

     Bank of America ACH to Wells Fargo coded as DD

     Reply
196. zburk says:

     March 16, 2017 at 4:06 pm

     ACH from Ally to Bank of America triggered e-mail alert saying I received DD

     Reply
     • William Charles says:

       March 16, 2017 at 6:53 pm

       Let us know when you get the actual bonus.

       Reply
197. jcm says:

     March 17, 2017 at 9:35 am

     My transfer from Schwab to Santander has my name and P2P in the description. I’m afraid it isn’t going to count. I’ve got a Capital One 360 account I can try, or I guess I could open a Serve. Or I could sit tight and wait. Any advice?

     Reply
198. Aaron says:

     March 17, 2017 at 6:26 pm

     Bank of the West DP: Next day ACH from Citibank showed up as type “CREDIT” while pending, after posting it became “DIRECTDEP CITIBANK XFER P2P XXXXXX” with type “DIRECTDEP”.

     Reply

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200. Dirah says:

     March 22, 2017 at 12:24 am

     I would like to do Wells Fargo to Chase for DD.
     The problem is whenever I try to add the Chase account in external transfers, I get this message:
     “Your non-Wells Fargo account has been added for you to use to make payments to your Wells Fargo credit accounts. The account cannot be used to make bank-to-bank transfers.”
     How do I get around this?

     Reply
201. Superchurn says:

     March 22, 2017 at 1:40 am

     DP
     Ally ACH push fulfills Northpointe’s DD requirement

     Reply
     • Thomas says:

       June 20, 2017 at 1:51 pm

       what Ally account do you have? checking, savings, MM?

       Reply
       • Superchurn says:

         June 20, 2017 at 6:08 pm

         checking. but i suspect the MM would also count as a DD if you pushed from that

         Reply
202. Ben says:

     March 23, 2017 at 10:26 am

     DP: Ally ACH still works for First Tennessee direct deposit.

     Reply

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206. Todd says:

     March 24, 2017 at 11:28 pm

     Fidelity EFT to Chase Checking shows “ACH” next to the transfer. It’s been 2-3 days. But I expect it to fail. Anyone have a Fidelity transfer listed at ACH deposit/transfer and still get the bonus?

     Paypal failed of course – says ACH next to transfer. I did that before seeing this blog..

     Reply
     • Ken says:

       March 25, 2017 at 11:32 pm

       Bonuses are paid 7 days after the deposit, and Chase tends to pay the bonus on Tuesdays for some reason. ACH worked for many of us for Chase, so sit tight.

       Reply
       • Todd says:

         April 25, 2017 at 2:31 pm

         Thanks Ken.

         I can confirm – a data point, that a Fidelity EFT to Chase showed up as “ACH Transfer” on my Chase ledger, but counted as DD. This took 6 business days for me.

         Reply
207. SamSimon says:

     March 25, 2017 at 12:28 pm

     DD From HSBC to Wells Fargo – got bonus!
     DD From PayPal to Wells Fargo – also got bonus (for different account)!

     Reply
208. Chris says:

     March 26, 2017 at 12:45 am

     Another Wells Fargo DP: ACH push from Santander checking posted as direct deposit, bonus posted two days later.

     Reply
209. chaseaholic says:

     March 26, 2017 at 2:28 pm

     Confirmatory DP’s:

     Tech CU – Schwab xfer worked (x1, no bonus clawback after only 1 but still awaiting 9 months for release)
     Bank of the West – Schwab xfer worked

     As a note to other users, I have a strong suspicion that the negative DP’s for Schwab->Citi and Schwab->Santander are both false-negatives as in neither case (Oren’s moneysaver or FWF) did the user specify whether it was from brokerage or checking.

     Reply
210. Irene says:

     March 28, 2017 at 12:33 am

     Wells Fargo DP: Transfer from Chase Checking counted as DD. Confirmed via bonus and also by my WF checking account statement. At the bottom it tells you “how to avoid the monthly fee” and lists the ways it can be waived; I have a check mark next to “total amount of qualifying direct deposits” (I only transferred $500 from Chase x1 to meet the requirement).

     Reply
211. Robb says:

     March 28, 2017 at 9:42 am

     TD Ameritrade still works to trigger Chase personal checking bonus as of 3/27/17

     Reply
212. SuddenValley says:

     March 28, 2017 at 11:34 am

     Chase Checking Direct Deposit DPs:

     Transfer of $1500 from USAA savings (using transfer between accounts tool) did NOT trigger DD requirement. The transfer is noted as an ACH transfer but didn’t trigger the bonus.

     Transfer of $622.57 from Wells Fargo Checking DID trigger DD requirement for the bonus. The bonus is currently pending – I’ll reply here if anything changes though.

     Reply
     • William Charles says:

       March 28, 2017 at 9:33 pm

       Thanks, added

       Reply

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214. JumpTiger says:

     March 28, 2017 at 9:08 pm

     Both WellsFargo and Ally bank ACH push to TD bank shows DD

     Reply
215. Coldagglutanin says:

     March 31, 2017 at 12:23 pm

     M&T Bank Data Point:
     ACH from First Tennessee Bank 3/21. Bonus Posted 3/21

     Reply
216. Coldagglutanin says:

     March 31, 2017 at 12:31 pm

     First Tennessee Bank Data point:

     3/3 Did 2x $100 (referral bonus) ACH from NFCU which posted as NFCU ACH P2P MYNAME. Did not post within 6 days. Didn’t think it would work because of previous data points saying stuff that posts as P2P does not trigger bonus

     3/13 Did 2x Venmo Cashout

     3/31 Bonus posted

     was ready to give up and try paypal but then it posted, just takes a long time and longer than some other data points (3-7 days). I will assume it was Venmo that triggered it and not P2P ACH.

     Reply
     • Jim says:

       June 19, 2017 at 4:22 pm

       Thanks for posting about NFCU. I tried the same and the transaction was listed similar to yours. Next will try Venmo.

       Reply
217. Jeff B says:

     April 4, 2017 at 1:07 pm

     SunTrust datapoint
     multiple deposits from paypal have not worked to fulfill direct deposit

     Reply
218. Greg says:

     April 4, 2017 at 8:13 pm

     I tried to use my tax refund (state and IRS) to trigger the DD for a Bank of America account, but it didn’t work. Does anyone know what does work with them?

     Reply
219. goodguys21 says:

     April 6, 2017 at 10:17 am

     Transfer from M&T Bank to Santander Bank posted as “M&T BANK BANKTOBANK xxxxxx”. Does it mean its P2P ?

     Reply
220. Beth says:

     April 7, 2017 at 10:26 am

     data point-Direct deposit from employer of less than $1.00 of paycheck did NOT trigger bonus for Chase checking account.

     Reply
221. MJG says:

     April 8, 2017 at 11:14 pm

     DP: Ally Bank ACH works for Bridgeview Bank (IL). Bonus posted three days after transfer.

     Reply
     • M.J. says:

       June 25, 2017 at 8:09 am

       DP: Ally Bank ACH did not work for me. Capital One 360, Alliant, and Fidelity did not work either.

       Reply
222. James Minter says:

     April 9, 2017 at 3:15 am

     How long does the Chase bonus take? I have two $500 deposits from my Wells Fargo and Vanguard accounts and am still waiting.

     Reply
     • Ken says:

       April 9, 2017 at 3:13 pm

       Checking bonus is 7 days after deposit posts and usually they post bonus on Tuesdays. Savings is 90 days from $15k deposit.

       Reply
     • William Charles says:

       April 9, 2017 at 8:11 pm

       Usually posts the Tuesday after meeting the requirements.

       Reply
223. Eugene DiDonato says:

     April 11, 2017 at 9:20 am

     Datapoint- Chase and Schwab count as a DD for PNC bank

     Reply
224. Matthew says:

     April 11, 2017 at 5:33 pm

     Bad news with Capital One 360, WF and TIAA did not work. I tried to argue that TIAA was a fixed income direct deposit, but they said anything with the small deposits does not work. I’m past 60 days, so I’m screwed. I wouldn’t have been able to do the bonus anyway as 60 days would not be enough time to switch my real direct deposit over for two deposits. Customer service was not sympathetic at all, told them I was going to take my banking and credit needs elsewhere. Really disappointing as I was actually targeted.

     Reply
     • William Charles says:

       April 11, 2017 at 8:04 pm

       Added to post

       Reply
     • Benandre Phipps says:

       May 3, 2017 at 12:05 pm

       Are you saying that combo wont work or those two banks won’t work for the DD period?

       Reply
       • Matthew says:

         May 3, 2017 at 11:13 pm

         I’m saying neither worked. I did receive the targeted promo in the mail and signed up with the link, so it should have gone smoothly for me. I’m quite shocked it didn’t work actually. I hope this isn’t a new sign for CapitalOne.

         Reply
225. Don L says:

     April 13, 2017 at 10:50 am

     RG reports that Wells Fargo Way2Savings Account triggered a Chase total checking bonus.

     https://www.doctorofcredit.com/hub-accounts-ach-transfers-capabilities-fees-limits-across-financial-institutions/#comment-388522

     Reply
226. MJG says:

     April 13, 2017 at 2:24 pm

     DP: Ally counts as DD for First Merchants Bank.

     Reply
     • William Charles says:

       April 13, 2017 at 7:37 pm

       Thanks, added

       Reply
227. Lizzle says:

     April 15, 2017 at 4:35 pm

     DP USAA to M&T Bank counted as DD. Bonus posted next day.

     Reply
228. Anon says:

     April 18, 2017 at 9:55 am

     Amex Bluebird worked to get the Chase checking acct bonus April 2017.

     Reply
     • Aaron says:

       April 28, 2017 at 9:03 am

       Did this work on the trial deposits or an actual withdraw?

       Reply
     • SomeoneFrugal says:

       May 2, 2017 at 10:45 am

       I can verify this as well, Chase counted BB as DD

       Reply
229. Jim says:

     April 19, 2017 at 4:11 pm

     Fidelity Moneyline to Bank of America didn’t counter as a DD. Opened a checking account back in December 2016, did several ACH pushes, waited, but didn’t receive my bonus. Finally called in today, Apr 19, and told those showed up as ACH transfers and wouldn’t qualify me.

     Alas, too bad. Perhaps a useful DP for others…

     Reply
     • Guy Bucktastik says:

       June 6, 2017 at 9:03 am

       I have the same DP, fidelity Moneyline codes as ppd, but does not trigger dd bonus.

       Reply
230. Zach I says:

     April 19, 2017 at 8:44 pm

     Wells Fargo checking posted as DD to Legacy Texas Bank for the $200 promotion about 60 days after account opening.

     Reply
231. kingoftheblues says:

     April 19, 2017 at 10:24 pm

     Can someone please explain to me how to do an ACH deposit from any bank? Is it a regular online transfer?

     Reply
     • Chuck says:

       April 19, 2017 at 10:47 pm

       Some banks allow you to send money from it to another account. For example, Chase calls it Chase QuickPay. Other banks might have a similar feature in the login without an official name.

       Reply
       • kingoftheblues says:

         April 19, 2017 at 11:05 pm

         Im still not clear. Using the Chase example, you’re saying that only Quickpay will count as an ACH (and maybe post as a direct deposit) but a regular online transfer from chase won’t? What about other banks that don’t have quick pay, only online transfer?

         Reply
         • Ken says:

           April 20, 2017 at 10:35 am

           An ACH is simply a transfer from one bank to another bank. Some banks will count that incoming ACH as a DD while some won’t. You’re way over complicating this.

           Reply
           • kingoftheblues says:

             April 20, 2017 at 12:04 pm

             LOL I do tend to overcomplicate everything… Thanks for simplifying. Much appreciated.
232. Char49ergirl says:

     April 23, 2017 at 8:50 am

     Serve transfers work for Bank of America. Opened account for $100 bonus on 2/21/17. Two trial credits on 3/20; Serve transfers on 3/28 and 4/4, $250 each. Bonus posted 4/21/17.

     Reply
233. kingoftheblues says:

     April 24, 2017 at 12:41 pm

     How can I tell if an ACH transfer counted as a direct deposit?
     I transfered from Schwab to BMO and this is how it coded:

     ACH DEPOSIT PPD SCHWAB BROKERAGE MONEYLINK
     ACH Deposit – Credit ########

     Reply
     • kingoftheblues says:

       May 1, 2017 at 8:48 pm

       So it’s been over a week and I’m sad to report that Schwab transfer did not code as a direct deposit and did not trigger the bonus.

       Reply
       • JuicyJosh says:

         May 1, 2017 at 9:20 pm

         I think your bonus deposit expectations are a little to fast. Pretty sure I read DPs in the BMO post that the bonus is deposited on the 20th of each month. Give it a little while longer. When you do receive it please come back and confirm.

         Reply
         • William Charles says:

           May 1, 2017 at 9:34 pm

           +1

           Reply
234. Ropes says:

     April 25, 2017 at 10:52 am

     Chase Total Checking DP:

     Pending $300 for New Checking Misc. credit $300.00
     Apr 18, 2017 VANGUARD SELL INVESTMENT PPD ID: VMC RED ACH credit $50.00

     The thing about Vanguard is that it took about 2 weeks from account opening to get the money into the Chase account (trial deposits, then account confirmation). The trial deposits were 4/6, so they don’t appear to have triggered the bonus.

     This is the first account I’ve opened just for the bonus. Thanks for all the useful info. Glad I didn’t have to change my direct deposit 🙂

     Reply
     • Elena says:

       August 19, 2017 at 10:45 pm

       Ropes,

       How did you get Vanguard to work? I’m trying to transfer the money out of Vanguard brokerage to my newly opened Chase Checking and getting a message that transfers can only be made back to the account the money came from…
       (“The shares you’re trying to redeem were recently purchased. To protect your account, we can send the proceeds from the sale of those shares only to the institution and account from which they originated. To complete this transaction, you can choose to send the proceeds to the originating institution and account. If you purchased the shares by check, or if you have questions about this transaction, contact us for assistance.”

       How did you get around that?

       Reply
       • Matt says:

         August 31, 2017 at 7:20 am

         Did you ever get an answer to this?

         Reply
235. AaronB says:

     April 27, 2017 at 11:15 am

     Does anyone know if an ACH from Simple Bank to Chase will trigger the DD bonus?

     Reply
236. Dusty says:

     April 28, 2017 at 11:14 am

     Random DP: Elevations CU ACH counted for M&T DD requirement.

     Reply
237. Ken says:

     April 28, 2017 at 11:17 am

     Alliant ACH counted for M&T.

     Reply
238. Chong says:

     April 29, 2017 at 7:54 am

     Is there a way to tell if an ACH push counts as DD for Santander. I pushed from Fidelity and this is how it shows up ‘FID BKG SVC LLC MONEYLINE’?

     I’m not sure how quick they payout so I want to be sure it worked or I’ll attempt a push from another bank.

     Thanks for your help guys!

     Reply
     • JuicyJosh says:

       April 29, 2017 at 8:49 am

       I have used Fidelity to push to PNC and BMO receiving the same message for both. I dont believe there are any DPs to confirm (or invalidate) at this point but not showing “P2P” is a good sign. In my experience you are going to be okay. Please confirm when you get that bonus.

       Reply
       • Chong says:

         April 29, 2017 at 9:07 am

         Thanks, appreciate your reply. I will be sure to post back to confirm the bonus.

         TD Bank has a great interface. I pushed from Schwab and even though the transaction description was a little ambiguous, it has Type – Direct Deposit in the next column. Quick and easy confirmation.

         Reply
     • Chuck says:

       April 30, 2017 at 12:05 am

       It’s usually hard to tell from how it appears, just have to wait and see. Or try a few and hope one works.

       Reply
       • Sometimesstuff-yeah says:

         May 17, 2017 at 10:20 am

         I’ve been noticing that if it says “DDA” it triggers the DD requirement.

         Reply
239. Deagan says:

     April 30, 2017 at 10:11 am

     DP: Bank of America push to Citizens Bank counts as DD.

     Reply

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241. Lizzle says:

     May 3, 2017 at 7:58 pm

     Paypal and USAA did not work for BMO Harris

     Reply
     • William Charles says:

       May 4, 2017 at 12:17 am

       Thanks, added.

       Reply
242. YB says:

     May 4, 2017 at 6:10 pm

     Discover Checking to Bridgeview Bank posted as P2P.

     Reply
243. Rob says:

     May 4, 2017 at 11:05 pm

     For banks that will trigger Chase DD, Santander is listed. However, the kink (https://www.reddit.com/r/churning/comments/63zput/daily_discussion_thread_april_07_2017/dfyn1tz/) claims the opposite; that Chase triggers the Santander DD. Does anyone know if the Santander>>Chase will work? Thanks!

     Reply
     • William Charles says:

       May 5, 2017 at 1:09 am

       Thanks, fixed that.

       Reply
244. Wong says:

     May 5, 2017 at 3:19 pm

     Serve and Capital One 360 code as PPD for Bank of America. Citibank and Ally are P2P. From what I understand, PPDs are categorized as direct deposits. Can anyone confirm? I wasn’t charged a monthly maintenance fee, but I had Citibank deposits and Serve deposits mixed in for the month in question. Both exceeded the $250 requirement

     Reply
     • William Charles says:

       May 6, 2017 at 2:48 am

       Best to just focus on what actually triggers bonuses rather than how it codes, some banks allow p2p others don’t and some allow some p2p and not others.

       Reply
       • Kevin says:

         May 8, 2017 at 11:18 am

         I have also just done a $4000 ACH push transfer from TD Ameritrade to Bank of America. It codes as PPD.

         The previous comment makes it seem like this is not really relevant? Can anyone report success or failure with TD Ameritrade?

         Reply
         • Kevin says:

           August 2, 2017 at 6:30 pm

           William,

           Would like to verify that Serve still works to trigger BoA. I made the deposit on 6/26/2017 and got my bonus in July.

           Reply
           • William Charles says:

             August 2, 2017 at 9:10 pm

             Thanks Kevin.
           • Enrico says:

             August 31, 2017 at 3:57 am

             Was that with withdrawal on Serve to your linked BoA account?
245. Curmudgeon says:

     May 6, 2017 at 10:09 am

     ACH push from FCB South County Bank shows up as direct deposit for PNC.

     Reply
246. M says:

     May 8, 2017 at 11:23 am

     ACH push from Alliant CU qualifies as direct deposit for Wells Fargo.

     Reply
247. Jeff says:

     May 9, 2017 at 8:50 am

     Transfer from Huntington worked for M&T bank

     Reply
     • William Charles says:

       May 9, 2017 at 7:56 pm

       Thanks, added

       Reply
       • Yet Another Redditor says:

         July 22, 2017 at 6:13 pm

         Seconding this – $100+ from Huntington triggered M&T QC bonus.

         Reply
         • William Charles says:

           July 23, 2017 at 7:01 pm

           Thanks, added

           Reply
248. J.M. says:

     May 9, 2017 at 1:58 pm

     One method for satisfying DD I often see here is Discover ACH transfers.

     Does anyone know if these are primarily from Discover Checking or Discover Savings specifically? Was thinking of getting a Discover account for this purpose, but want to get the right one. TIA

     Reply
     • Ken says:

       May 9, 2017 at 2:24 pm

       Most likely checking since savings has a 6 withdrawal per month limit like all other savings accounts.

       Reply
249. Justin says:

     May 11, 2017 at 12:56 am

     Venmo worked for US Bank

     Reply
     • William Charles says:

       May 11, 2017 at 2:30 am

       Thanks, added.

       Reply
250. bob says:

     May 11, 2017 at 11:04 am

     BMO Harris ACH counts as DD for HSBC, Connexus FCU, Amalgamated Bank, Santander, GoBank. Also PNC, i think.

     Reply
251. Milo says:

     May 12, 2017 at 7:16 am

     Fifth Third Bank:

     I transferred from ally and it coded as web initiated transfer. However the bonus posted after two days.

     Reply
     • William Charles says:

       May 13, 2017 at 4:32 am

       Thanks, added DP.

       Reply
252. sheri says:

     May 12, 2017 at 2:20 pm

     If i do an ACH push from my Schwab acct into the BMO acct for $300 (x2), that will qualify as a DD?
     thanks

     Reply
253. John says:

     May 12, 2017 at 7:40 pm

     Can some please provide a DP on the best way to keep BOA (bank of america) fee free? I have WF, Chase, Key, Cap360, CCU, Paypal…

     Reply
     • Guy Bucktastik says:

       June 6, 2017 at 9:09 am

       Close it

       Reply
254. SA says:

     May 12, 2017 at 7:53 pm

     Any datapoints on using Fidelity EFT for BMO Harris bank?

     Reply
     • JuicyJosh says:

       May 15, 2017 at 7:31 pm

       I believe 360 will have triggered the BMO bonus but I also sent a Fidelity. Still waiting but FWIW Fidelity posted as PPD and not P2P.

       Reply
255. Mark says:

     May 13, 2017 at 9:25 pm

     Edward Jones transfer to Chase coded PPD failed to trigger Chase

     Reply
256. Jay says:

     May 15, 2017 at 7:05 pm

     transferred $500+ from Barclays savings to chase, posted on 5/5 as PPD, still haven’t received bonus. Anyone else having issue with Barclays savings to Chase?

     Reply
257. John says:

     May 16, 2017 at 11:05 am

     Two data points:
     1. Fifth Third $200 bonus: Opened 4/17/2017 $100 deposit. $110 Paypal xfer 4/19/2017. $1,400 Huntington xfer 4/20/2017. $200 bonus posted 4/24/2017. So either Huntington or Paypal or both are working. Zeroing out account this week. Will close over phone.
     2. Chase $300 bonus: Opened 5/8/2017. ACH xfer from sons 529 plan 5/12/2017. $300 checking bonus posted 5/16/2017. Also opened $15,000 savings. Bonus should post within 90 days.

     Reply
258. Natalia says:

     May 16, 2017 at 2:41 pm

     Apr 4, 2017 Opened Chase account
     Apr 17, 2017 FNBO DIRECT P2P XXXXXXXXXXXXXX WEB ID: 1770527921 ACH credit $500.00
     Apr 27, 2017 BARCLAYS BANK DE DEPOSIT PPD ID: 9643980001 ACH credit $500.00

     As of May 16th no bonus posted on the account
     Have till June 4th to find another way to have DD.
     Any suggestions would be appreciated.
     Something easy and fast to open and do DD within the time i have left ( till June)

     Thank you!

     Reply
     • Laura Gould says:

       May 26, 2017 at 5:52 pm

       I used wells fargo checking account ACH to trigger deposit and it worked.

       Reply
     • Pete says:

       June 1, 2017 at 4:56 am

       Mind sharing your experiences? Hopefully you found an option in time!

       Reply
     • Natalia says:

       June 8, 2017 at 12:02 pm

       Update:
       Nor Barcalys nor FNBO worked to trigger bonus for Chase.

       Opened Wells Fargo, Had literally 2 days left to fit withing 60 days requirement window for dd
       Wells DD posted June 2nd, Chase Bonus posted June 6 ( Tuesday)
       Account was opened April 4th , didn’t think I was going to make it.

       Reply
       • William Charles says:

         June 8, 2017 at 9:34 pm

         Thanks

         Reply
259. anon says:

     May 17, 2017 at 2:45 am

     M&T Bank bonus:
     Citibank ACH coded as P2P, bonus posted same day

     Reply
260. Sometimesstuff-yeah says:

     May 17, 2017 at 10:21 am

     DP: Wells Fargo ACH to Five-Star Bank labeled as “DDA from Wells Fargo” and triggered the bonus. Bonus was due April 30th. Bonus posted today.

     Reply
     • William Charles says:

       June 14, 2017 at 2:02 am

       Thanks, added as a data point.

       Reply
261. Karthic Dasari says:

     May 17, 2017 at 3:15 pm

     DP: I transferred from DCU and Regions bank on same day to CHASE and triggered the bonus. But not sure which transfer triggered

     Reply
262. Joe says:

     May 19, 2017 at 8:53 am

     Hi All,

     I use Upwork for my Direct Deposits, Trying to think of a good plan, here are the facts:

     -Employers through Upwork hire freelancers like me.
     -Upwork direct deposits into your account when you ask, minimum $100.
     -Upwork’s deposit is classified the same as my employer in my BoA account, is listed as an ACH..
     -Upwork takes 20% of the employer’s payment.
     -If someone was an employer and an employee in different fashions, they could expense the entire payment as wages to offset their interest income from the bank bonuses they receive.

     Would love to brainstorm further.

     Reply
     • Zachek says:

       May 29, 2017 at 5:30 am

       Interesting ideas. You should also consider there are “spend $200 get $100” AOs for Upwork currently.

       Reply
263. yb says:

     May 19, 2017 at 2:29 pm

     DP: $150 Direct Deposit from Discover to 5/3 got me the $200 bonus

     Reply
264. bob says:

     May 19, 2017 at 3:13 pm

     i satisfied the requirements for the High APY at One American Bank, Old Missouri Bank, and CCU-Illinois via ACH. I ach’d money in from a few different banks for OAB and OMB (I just opened the account) – including BMO Harris, Blue FCU, and Central Bank. I only used Central Bank for CCU-IL. My Central Bank acct is not a business account or anything special, just a typical ACH.

     Reply
265. Machinator says:

     May 19, 2017 at 6:49 pm

     DP: Serve to Santander worked for DD for recent $225 bonus

     Reply
     • Lily says:

       May 22, 2017 at 5:47 am

       So you’ve received the bonus from Santander? When did you open the account? Just curious when the bonus is supposed to hit the account. I opened on 2/13 but funded on 3/1 and so far no bonus.

       Reply
       • Machinator says:

         May 23, 2017 at 8:56 pm

         Opened: 2/17
         Serve Transfer: 3/8
         Bonus posted: 5/19

         Reply
266. James says:

     May 19, 2017 at 11:27 pm

     Goldman Sachs worked for Capital One 360 $400 bonus

     Reply
267. Dillon Welch says:

     May 22, 2017 at 2:20 pm

     Discover did not work for My Banking Direct. I got the other two $50 bonuses but not the $50 bonus for direct deposit.

     Reply
268. Nick says:

     May 22, 2017 at 10:59 pm

     Got both the HSBC bonus, Wells Fargo bonus, and PNC bonus using my personal E*TRADE checking account. Coded as direct deposit for all the bonuses.

     Reply
269. johnsmith says:

     May 23, 2017 at 10:08 am

     Chase $300 Checking Bonus Trigger:

     SCHWAB BROKERAGE MONEYLINK PPD ID, $20 on 5/17/17 (This is the Brokerage account, NOT checking)
     Chase posted $300 bonus 5/23/17

     Reply
     • Pete says:

       June 12, 2017 at 8:14 am

       Congrats on the ACH working.

       Mind confirming your Schwab brokerage account was a taxable/individual account?

       Oddly, another DoC poster didn’t get his/her Schwab ACH push to trigger the bonus here:
       https://www.doctorofcredit.com/chase-500-checking-savings-bonus-publicly-available-branch/#comment-405468

       Reply
     • Mark says:

       July 27, 2017 at 11:33 am

       Schwab did not work for me to trigger Chase DD. I did a $20 transfer through SCHWAB BROKERAGE MONEYLINK PPD ID 2 weeks ago. Waiting for actual employer DD now to come in at end of month. Next time I will try Discover checking and savings.

       Reply
       • William Charles says:

         July 27, 2017 at 8:15 pm

         Thanks, added dp.

         Reply
270. johnsmith says:

     May 23, 2017 at 10:12 am

     M&T $250, $200, & $150 Bonus Triggers:

     Citibank checking ACH of $100 to each showed up as “[Name] P2P” and triggered bonuses all the same day (May 2017)

     Reply
271. Dave says:

     May 24, 2017 at 12:34 pm

     Will ACH from TD savings trigger DD for Chase bonus?
     What about from my TD Ameritrade account?

     Reply
272. Jason says:

     May 24, 2017 at 3:43 pm

     Hi, Is there any Friends already got bonus from one west bank???. Can you share your experience?

     Reply
273. Rebekah says:

     May 24, 2017 at 4:11 pm

     Ally transfer counted as DD for Regions referral bonus

     Reply
274. Josh says:

     May 24, 2017 at 4:39 pm

     Will Wells Fargo savings or checking count as DD for chase $300 bonus?

     Reply
275. SA says:

     May 24, 2017 at 5:06 pm

     Penfed ACH coded as PPD on BMOHarris.

     Reply
276. SA says:

     May 25, 2017 at 4:35 pm

     I have a question. If I transfer $500 each month from my Fidelity investment account to Chase Total Checking will that make my Chase account fee free? Or are these methods only for getting bonus.

     Reply
     • sdf says:

       June 9, 2017 at 12:59 am

       Yes

       Reply
277. am30338 says:

     May 25, 2017 at 7:33 pm

     Both Paypal and Capital One 360 worked to get the PNC Virtual Wallet bonus. I got an email each time saying “Direct Deposit Greater Than $1.00 Credited To Your Checking Account”

     4/21/2017 open account

     5/3/2017 completed 10 debit transactions and direct deposits from Capital One and Paypal

     5/22/2017 received bonus

     Reply
278. mustseepc says:

     May 26, 2017 at 8:23 am

     I was indeed able to trigger DD by withdrawing to my BofA from my AMEX Serve account. I had previously tried with transferring from my Capital One 360 account, but that did NOT work. My second $2000 DD from Serve to BofA on 5/9/17 worked in triggering their $300 cashback offer, and I then received bonus on 5/23/17, so 2 weeks exactly.

     Reply
279. SA says:

     May 26, 2017 at 4:54 pm

     CIT Bank trial deposits coded as PPD on Chase. may be someone can try it for DD and report back.

     Reply
280. ruthian says:

     May 26, 2017 at 6:22 pm

     Funded a US Bank account with SPG Biz, coded as a purchase.

     Reply
281. ric says:

     May 26, 2017 at 9:41 pm

     For the chase checking bonus i tried the following

     Cap One (non-360) ach = didn’t work
     Venmo ach = didn’t work
     Discover checking = didn’t work

     Reply
     • jjason says:

       June 7, 2017 at 6:50 pm

       Did you find a way to trigger a chase bonus? Can you share it?

       Reply
     • William Charles says:

       June 9, 2017 at 1:44 am

       Thanks, added DP

       Reply
282. Dillon Welch says:

     May 28, 2017 at 9:30 pm

     Did $175 WCH from Wells Fargo to Chase for checking bonus and it worked.

     Reply
283. TJ says:

     May 29, 2017 at 7:12 pm

     Ally transfer works as DD for First National Bank (PA, MD, OH) – https://www.fnb-bank.com

     Reply
     • DH7 says:

       June 20, 2017 at 12:30 pm

       thanks!

       Reply
284. Jonathan says:

     May 30, 2017 at 4:37 pm

     $20 ACH from TD Ameritrade worked to trigger the Chase Checking bonus on 5/30/17.

     Reply
     • Jeff says:

       June 9, 2017 at 3:03 pm

       How was it posted on Chase when the transfer happened? Mine says PPD. It’s been s few days and worried I won’t get bonus

       Reply
285. JASON says:

     May 30, 2017 at 5:22 pm

     Tried using Fidelity Investments for DD for Santander and looks like it’s not counting as a DD. My 90 days were up on 5/28. I will update if I get the bonus tomorrow

     Reply
     • JASON says:

       May 31, 2017 at 7:13 am

       ****UPDATE on above*****

       Got the bonus this morning which was ~93 days.

       2.27 – Account opened
       3.8 – ACH Push from Fidelity
       one bill pay to myself once a month to keep account fee free
       5.31 – Bonus posted

       Reply
286. Navitron says:

     May 31, 2017 at 4:52 am

     Chase Total Checking $300 sign up bonus. Used American Express Serve a $51.00 withdrawal to Chase account triggered the bonus. Serve still works 05/30/2017.

     Reply
287. TJ says:

     June 1, 2017 at 9:47 am

     Fidelity transfer alsor works as DD for First National Bank (PA, MD, OH) – https://www.fnb-bank.com

     Reply
288. BK says:

     June 2, 2017 at 9:11 pm

     Wells fargo counts as DD for Santander.

     Reply
     • William Charles says:

       June 8, 2017 at 12:23 am

       Added thanks

       Reply
289. Kaalan says:

     June 6, 2017 at 8:24 am

     Anyone tried Serve or Venmo as DD for TD? Thanks in advance

     Reply
290. Eric says:

     June 10, 2017 at 6:00 pm

     Data Point:

     ACH Transfer from Consumers Credit Union counts for Chase.

     Reply
     • John says:

       June 16, 2017 at 12:17 pm

       It posts as “WEB ID : ” and not as PPD ID.. Is that still ok? I am looking to avoid monthly fee by pushing from CCU to Chase..

       Reply
       • Eric says:

         June 16, 2017 at 4:40 pm

         The description on the ACH credit that triggered the bonus for me said “Web ID” then the CCU routing number.

         Reply
         • Rohan says:

           August 10, 2017 at 10:43 am

           Eric, How much did you transfer? Can I transfer $5 to trigger bonus?

           Reply
           • Eric says:

             August 10, 2017 at 10:49 am

             I transferred $100 to trigger it. I’m not sure if a smaller amount would still work.
291. dustin says:

     June 13, 2017 at 10:45 am

     DP: capitalone 360 works for Santander DD. got bonus about 105 days after the deposit.

     Reply
292. Secretary Toaster says:

     June 15, 2017 at 10:05 am

     DP:
     For TCF Bank in Illinois, I pushed from Fidelity to meet DD requirement for signup bonus. The bonus posted 2 days later.

     Reply
     • William Charles says:

       June 15, 2017 at 9:52 pm

       Thanks, added

       Reply
293. Ken says:

     June 16, 2017 at 1:47 pm

     Alliant and Amazon no longer work for CapitalOne360. The only thing that worked for me was Fidelity CMA.

     Reply
294. Davezilla says:

     June 16, 2017 at 3:29 pm

     Santander Bank – used a transfer from my Capital One 360 Checking to trigger bonus

     Reply
     • William Charles says:

       June 16, 2017 at 11:01 pm

       Thanks, added DP.

       Reply
295. Kevin says:

     June 16, 2017 at 6:38 pm

     Can you use paypal or venmo to trigger TD bonus? Thanks in advance!

     Reply
296. Joey says:

     June 16, 2017 at 6:59 pm

     For Chase
     Following 2 does not work
     Charles Schwab Checking
     Capital One 360 Savings

     Reply
     • William Charles says:

       June 16, 2017 at 10:58 pm

       Thanks, added.

       Reply
297. Wes says:

     June 19, 2017 at 4:05 pm

     For TD Bank, push from Chase personal checking met DD requirements.

     Reply
298. chanwoong jhon says:

     June 20, 2017 at 10:56 am

     For Chase,
     Top cashback still work with $4.95
     It took about 10 days to be triggered.

     Reply
299. John says:

     June 20, 2017 at 2:06 pm

     If I request money using my TD from my Capital One 360, does it count as a DD?

     Reply
300. Wong says:

     June 21, 2017 at 7:41 am

     I’ve confirmed data points for Bank of America through waiving of monthly direct deposit requirement of $500 via

     1. Capital One 360 Money Market Savings
     2. Serve

     Both show as PPD deposits and will waive the monthly fee.

     Reply
     • Wong says:

       June 21, 2017 at 7:44 am

       Sorry, I meant a $250 monthly direct deposit. I also forgot to mention the way I confirmed it

       1. For one billing cycle, I made a $1000+ deposit via CapOne360 MMS. There were no other deposits exceeding $100 in that same billing cycle.
       2. For the next billing cycle, I made a $303 deposit via Serve. There were no other deposits exceeding $100 in that same billing cycle.

       Reply
     • William Charles says:

       June 21, 2017 at 8:22 pm

       Keep in mind what works for waiving fee isn’t always the same as what triggers the bonus.

       Reply
301. Aaron H says:

     June 22, 2017 at 2:58 pm

     Hey! I didn’t see 1stBank on here. They currently have a $200 signup bonus. Here’s a link to the bonus: efirstbank.com/offers

     Reply
     • SA says:

       June 22, 2017 at 5:40 pm

       Any idea how sensitive are they to chexsystem inquiries? Also will it be a HP or SP for account opening?

       Reply
     • William Charles says:

       June 22, 2017 at 10:47 pm

       Here you go: https://www.doctorofcredit.com/ca-az-co-200-firstbank-checking-bonus/

       Reply
302. SA says:

     June 22, 2017 at 5:45 pm

     Tried them and seems they are geographically limited:

     “We are unable to open an account since you do not reside in our service areas within Colorado, Arizona, or Riverside County, California.”

     Reply
     • SA says:

       June 22, 2017 at 5:46 pm

       It is about efirstbank.com

       Reply
       • William Charles says:

         June 22, 2017 at 10:29 pm

         Thanks, added

         Reply
303. Radu Botnari says:

     June 23, 2017 at 4:47 pm

     BMO Harris worked with Cap1 360 ACH

     Reply
     • William Charles says:

       June 24, 2017 at 3:59 am

       Thanks, added.

       Reply
304. Don L says:

     June 26, 2017 at 11:50 am

     From Don the manual QA Bot

     – Bellco Credit Union is a hard pull reported on the direct deposit page

     Reply
     • William Charles says:

       June 26, 2017 at 8:18 pm

       Thanks 🙂

       Reply
305. Carlos Danger says:

     June 26, 2017 at 9:36 pm

     Ally Bank counts as a direct deposit for Union Bank & Trust.

     Reply
306. Peddi says:

     June 30, 2017 at 9:51 am

     I did a transfer from my Regions account to PNC and this is how I see this “ACH DEP PNCBANKXTRANSFR” detail in the account and I got an email alert saying this “Direct Deposit Greater Than $1.00 Credited To Your Checking Account”.

     Does this mean it worked as a direct deposit?

     I did couple of Amazon Gift card Reloads and this is how it is in the account “DEBIT CARD PURCHASE Amazon.com AMZN.COM/BI WA”. I am assuming it counts as debit transactions needed for the promotion.

     Please let me know. Thank you.

     Reply
307. Dan says:

     July 5, 2017 at 4:41 pm

     Capital one 360 does not count for bank of america. Did not automatically trigger bonus, also filed a complaint and that did not work either

     Reply
     • William Charles says:

       July 5, 2017 at 9:00 pm

       Filing a complaint when you’re trying to skirt the rules isn’t recommended.

       Reply
       • Wong says:

         July 11, 2017 at 2:39 am

         I can confirm that CapOne360 MMS does not work to trigger the DD bonus requirement of $4,000 within 3 months for $300, but it does count as a DD to waive the monthly fee.

         It was already 06/20 and I panicked and dumped $2,000 from Serve into the account, and received the bonus on 07/07, which is a consistent with other data points of receiving the bonus after 1-2 weeks.

         Reply
308. Brian says:

     July 6, 2017 at 11:07 am

     Did an application to PNC, transferred money from Wells Fargo, which coded as a direct deposit and got an e-mail that it qualified as such.

     Reply
309. HelloWord says:

     July 7, 2017 at 5:35 pm

     One more DP for DD to Capital One 360 $400 bonus promo:

     USAA failed due to 2 trial deposits. Consistent with another comment above. Later I had two more deposits pushed through payroll, and got the bonus successfully without any targeted offer.

     Reply
310. Treesha says:

     July 8, 2017 at 3:37 pm

     Another Wells Fargo to Chase Checking DP: pushed $10 to Chase on Tues. 6/27/17, bonus posted on Wed. 7/5/17 (8 calendar days including a federal holiday).

     Note: trial deposits made when linking Wells Fargo to Chase did not seem to trigger the bonus, but I wonder if that’s because the amount was immediately withdrawn by Wells Fargo so it wasn’t really a “deposit” in the sense that it increased the balance.

     Reply
311. Mrs. Gee says:

     July 12, 2017 at 8:00 am

     DP for M&T—
     ACH deposits from Discover, TIAA checking and American Heritage CU all triggered the bonus.

     Reply
     • Justin says:

       July 14, 2017 at 2:37 am

       When you say ACH deposit is that transferring to M&T by connecting the accounts then transferring the $? Im just asking because I have tried PayPal and BofA but niether triggered the bonus for me. I wanna do it right this time. Lol.

       Reply
312. Electric Wayfarer says:

     July 12, 2017 at 6:39 pm

     DP for BMO Harris

     ACH deposit from Chase Personal Checking (Premier Plus Checking) to BMO Harris Smart Advantage Checking works!

     Reply
     • drhaus says:

       July 18, 2017 at 3:27 pm

       How long did it take you to receive from the time of deposits? Currently trying same thing.

       Reply
     • Shivansh Chandnani says:

       July 24, 2017 at 7:31 pm

       Same as above. Whats the timeline like from date of deposit to receival of bonus?

       Reply
313. R Rey says:

     July 14, 2017 at 10:59 am

     Just tried to click on Chase 1 under Chase Bank but my anti-phising program Sophos warned of a phishing program problem with your website. Is this true or is it my computer that has a problem?

     Reply
314. Superchurn says:

     July 14, 2017 at 7:41 pm

     DP: M&T Bank seems to have not counted my ACH from Ally as a DD on 7/13/17.

     my usual $100 DD that has worked for 7 other M&T accounts failed this time…maybe Ally no longer works with M&T?

     Will try other ACH’s from other banks soon and update this DP

     Reply
     • Too good 2B! says:

       July 19, 2017 at 7:59 am

       Code QJ? Might just be the promo code.

       Reply
       • Superchurn says:

         July 19, 2017 at 11:52 am

         yea indeed. i have since learned that it’s. it working for anyone though. 🙁

         Reply
315. arpan pandey says:

     July 16, 2017 at 7:55 am

     when i running that work but i like for museal transformation

     Reply
316. Albert says:

     July 18, 2017 at 11:35 am

     DP for Chase checking $300 bonus

     Bank transfer ACH from Schools First FCU triggered the bonus that got put in the following week in my account on Tuesday 7/18/17.

     Reply
317. Joseph says:

     July 18, 2017 at 12:03 pm

     I also was able to use an ACH push from Wells Fargo to trigger the Chase $300 checking bonus, so this still works as of mid-July.

     Reply
     • drhaus says:

       July 18, 2017 at 12:08 pm

       I had an ACH from Wells Fargo post to my Chase account on 7/7 but I have not received the bonus…seems like I’m the only one so far who has not received it and not sure why. Trying another transfer to see if I can get it to work.

       Reply
318. Alan says:

     July 18, 2017 at 1:46 pm

     My ACH push from Wells Fargo for the Chase deposit bonus worked as well. The trial deposit to establish the link between the accounts ($0.12) didn’t trigger it, but a small push of $25 did from the Wells Fargo end.

     Reply
319. Brad says:

     July 19, 2017 at 8:49 am

     Two ACH from my CU (Baxter Credit Union) to BofA triggered the DD requirement.

     Reply
320. Miles Hustler says:

     July 19, 2017 at 11:02 am

     A deposit from a Chase business checking account triggered the bonus for Santander Bank

     Reply
321. PHD says:

     July 19, 2017 at 4:09 pm

     Withdrawal of ~$2400 from Betterment counted as a direct deposit at Chase on July 17, 2017 (got the notification for DD over a certain amount).

     Reply
     • SamSimon says:

       July 21, 2017 at 10:22 am

       need to confirm getting the bonus – not DD.
       thanks!

       Reply
322. MonetaryDragon says:

     July 21, 2017 at 12:52 am

     I have another data point for a push from Wells Fargo personal checking working as a DD for TD Bank.

     Reply
     • William Charles says:

       July 21, 2017 at 1:21 am

       Thanks, added.

       Reply
323. Xinwen says:

     July 21, 2017 at 11:51 am

     DP for capital one checking $200 bonus:
     Not targeted. Made multiple transfers from multiple banks. Not sure which one triggered the bonus.
     6/30: Discover checking $251
     6/30: Discover checking $251
     7/6: Chase checking $251
     7/6: Chase checking $251
     7/12: Huntington checking $251
     7/13: Huntington checking $251
     Bonus $200 posted on 7/20

     Reply
324. Kevin says:

     July 22, 2017 at 1:14 pm

     Another data point for M&T Bank:
     I deposited (“pushed”) $500 from my Amex Personal Savings and got the bonus almost immediately.

     Reply
325. TeeJay says:

     July 23, 2017 at 8:25 pm

     RE: First Citizens Bank

     They do not require a DD. They only require $100 to open, then 10 debit transactions. Here is info you get when you start to apply:

     “You may receive a $200 bonus credit when you open a new Premier or Prestige checking account, obtain a new debit card on the account, and meet one of the following qualifiers within the first 60 days of account opening: (i) receive a qualifying direct deposit or (ii) make 10 debit card transactions. A “qualifying direct deposit” is a $500 or larger recurring electronic deposit (e.g., direct deposit of your paycheck, pension payment, Social Security payment or other regular monthly income) that is automatically credited to your account by an employer, government agency or other third party.

     Account must be opened between July 1, 2017 and September 30, 2017. Standard account opening prerequisites apply. Minimum deposit required to open a Premier or Prestige account is $100; however, there is no minimum balance requirement to qualify for the bonus.”

     Reply
     • Yet Another Redditor says:

       July 23, 2017 at 10:56 pm

       Is it this? https://www.doctorofcredit.com/first-citizens-bank-200-checking-bonus-direct-deposit-not-required-az-ca-co-dc-fl-ga-ks-md-mo-nc-nm-or-ok-tn-tx-va-wa-wv/

       The only negative is a hard pull – would like to save those for something that nets upwards of $500.

       Reply
326. SuddenValley says:

     July 24, 2017 at 11:03 am

     Less common one but a good one. Bank of the West bonus posted. Pushed twice: once from USAA and once from WF. Based on the descriptions, I’d say the WF transfer triggered the bonus so that’s my DP. Not saying USAA doesn’t work but don’t have full verification.

     Reply
327. KIRAN says:

     July 24, 2017 at 2:25 pm

     Any data point on if BOA or citi works as a direct deposit for capital one 360?

     Reply
328. Jessica says:

     July 24, 2017 at 9:39 pm

     Would like to add that BMO Harris does not offer external transfers to other banks.

     I read on here that after 90 days that is something that is offered(?), but another format is to simply do Bill Pay.

     For example, I deposited my initial $25.00 bucks to open the account, now I want it back to my Ally. I added myself as a “Biller”. You add yourself as a biller by enrolling in bill pay in the payments tab, then inputting all your information. It’s giving me a 4 day time frame before I receive the money in the form of a CHECK to my house. -_-. But I am receiving the money regardless.

     If someone knows of a faster and safer way to do a transfer from BMO Harris to Ally or any other online banks, would love to know.

     Reply
     • Yet Another Redditor says:

       July 25, 2017 at 8:49 pm

       Add BMO to your other bank account and ACH pull from that bank. I have done this multiple times.

       Reply
329. noturbizniss says:

     July 25, 2017 at 1:04 pm

     PNC ACH transfer from chase for 5k triggered bonus. Posts as “ACH CREDIT XXXXXXXXX JPMORGAN CHASE EXT TRNSFR”

     Reply
     • William Charles says:

       July 25, 2017 at 8:02 pm

       Thanks, added.

       Reply
330. Rich says:

     July 26, 2017 at 8:32 pm

     Data point Capital1 360: 2 – $250 DD from Fidelity money line ACH worked for $400 bonus 7/20/17. Wells Fargo does not work.

     Reply
     • Mike says:

       August 1, 2017 at 5:12 pm

       Disregard, wrong bank. This was intended for a Chase Checking bonus.

       Reply
331. Renee says:

     July 27, 2017 at 8:00 am

     DP: DDs from Huntington to BMO both coded as P2P so I assume won’t count towards bonus.

     Reply
332. MarylandMama says:

     July 30, 2017 at 12:39 am

     DP for MD: Opened M&T EZChoice checking using QD on 7/24. ACH pushed $102 from Ally to M&T on 7/27. Coded as P2P, but I got the bonus, also on 7/27.

     Reply
333. Cjester says:

     August 1, 2017 at 9:48 am

     DP Chase opened 7/21
     Small Business Bank ACH 7/28
     Received $300 Bonus on 8/1

     Reply
334. Mike says:

     August 1, 2017 at 4:39 pm

     New DP: Pentagon Federal CU ACH 7/24 Got the bonus on 8/1

     Reply
335. Sjh says:

     August 1, 2017 at 9:05 pm

     Discover Savings did not qualify as a DD for the seaport350 promo for blue hills bank. Am trying cap one 360 This week will report back

     Reply
     • William Charles says:

       August 1, 2017 at 9:20 pm

       Thanks added dp

       Reply
336. Peteh says:

     August 2, 2017 at 3:51 pm

     Schwab Brokerage still working for CapOne 360. Received bonus 7 days after deposits posted.

     Reply
337. SamSimon says:

     August 5, 2017 at 4:17 pm

     IS IT THE SAME BANK? Thanks!
     “2.80 The Citizens Bank
     2.81 Citizens Bank”

     Reply
     • William Charles says:

       August 7, 2017 at 8:27 pm

       No, they are different.

       Reply
338. CatLover says:

     August 8, 2017 at 5:03 pm

     Venmo counts as DD for Wells Fargo for me as of July 2017.

     Reply
339. TeeJay says:

     August 8, 2017 at 6:49 pm

     $100 push from a different FI checking acct counts as DD for First Tennessee. Bonus posted 2 days later. (targeted area)

     Reply
340. Chris says:

     August 8, 2017 at 10:23 pm

     Vanguard counts as DD for Capital One 360. Had 2 $250 deposits from Vanguard post on 8/4. Got checking bonus on 8/8.

     Reply
341. Brian says:

     August 9, 2017 at 3:12 am

     Another data point confirming topcashback payouts (in this case ~$3) count as a direct deposit and triggers the Chase checking bonus. Deposit posted last week and the bonus showed up this morning (Tuesday, so yesterday morning).

     Reply
342. Andrew says:

     August 9, 2017 at 11:31 am

     Those with Capital One 360 bonuses that worked, what were the transaction type, statement information, and memo for the transactions?

     For reference, mine is showing as;
     Transaction type: electronic transfer
     Appears on Statement as: Deposit from [bank name] A2A.trnfr
     Memo: A2A.trnfr

     Trying to decide if this will work, or if I should actually set up direct deposit.

     Reply
     • Andrew says:

       August 9, 2017 at 11:37 am

       Found answer on:

       https://www.doctorofcredit.com/capital-one-300-checking-200-money-market-bonus-available-nationwide/#comment-443302

       A2A means account to account, and will not count as DD for capital one. Guess I’ll do real direct deposit instead.

       Reply
343. SamSimon says:

     August 9, 2017 at 11:23 pm

     M&T – PayPal didn’t work for me, I guess it no longer works! I tried PNC got bonus next day! Also tried Chase for another account – got bonus!

     Reply
     • SamSimon says:

       August 9, 2017 at 11:26 pm

       please fix for M&T bank
       “Paypal (1, 2)
       Paypal trial deposits: 1”

       Reply
     • William Charles says:

       August 10, 2017 at 2:47 am

       What M&T promo code did you use that didn’t work with Paypal?

       Reply
       • SamSimon says:

         August 10, 2017 at 10:09 am

         QC

         Reply
         • William Charles says:

           August 10, 2017 at 8:58 pm

           Thanks, updated.

           Reply
344. Jon says:

     August 10, 2017 at 6:20 am

     Transferred from my Goldman account and it looks like it won’t work. Coded as a P2P from GE CAPITAL BANK.

     Reply
345. SamSimon says:

     August 11, 2017 at 10:46 am

     Direct deposit from Chase to M&T stated as “JPMORGAN CHASE EXT TRNSFR” – got bonus
     Direct deposit from PNC to M&T stated as “SAM . SIMON P2P” – got bonus

     Reply
346. David says:

     August 11, 2017 at 10:59 am

     Just received my bonus on Capital One 360. Used Robinhood to trigger DD requirement.

     Stated as deposit “Robinhood (Crfn)”.

     Thanks,
     David

     Reply
347. Scott says:

     August 13, 2017 at 4:52 pm

     Td ameritrade is not working for me to trigger Chase Bonus now. Worked for me a few years ago.
     Bummer.

     Reply
     • William Charles says:

       August 14, 2017 at 12:44 am

       Thanks, added DP

       Reply
348. Brian Williams says:

     August 14, 2017 at 10:01 am

     If I want to get the bonus at TCF do I initiate the ACH transfer at TCF to pull from Chase or do I initiate it at Chase to push to TCF? Does it matter?

     Reply
349. paz says:

     August 14, 2017 at 10:39 pm

     I wonder: does Chase UR points redemption into a Chase checking account cound as DD by Chase? I was able to meet Chase’s DD requirement for a family member with a brokerage EFT/ACH, but a subsequent test UR redemption seemed identical, after the bonus had already become pending.

     Reply
     • Ken says:

       August 14, 2017 at 10:45 pm

       I’d think that would be a terrible use of points. Plus Chase counts almost any ACH transfer as a DD which makes things easy.

       Reply
350. Christina says:

     August 15, 2017 at 9:08 am

     PNC push counts as DD for M&T Bank bonus (August 2017)

     Reply
351. yussuf says:

     August 15, 2017 at 12:28 pm

     theres a mistake on the DPs on Santander qualifying direct deposits. The first DP for Chase is actually Capital One

     Reply
     • William Charles says:

       August 15, 2017 at 8:20 pm

       Fixed, thanks

       Reply
352. David Bayer says:

     August 15, 2017 at 4:34 pm

     Repeating datapoint: Chase Checking – tried Charles Schwab and it did not trigger the bonus.

     8/15/2017: Did use Robinhood and it did trigger the Chase bonus (using a $21 deposit, after I first withdrew $100 to Robinhood).

     Reply
     • William Charles says:

       August 15, 2017 at 8:06 pm

       Thanks added to post.

       Reply
353. CJ says:

     August 16, 2017 at 10:10 am

     Tried to get a Capital One bonus by doing ACH from Wells Fargo, Bank of America, Paypal, and Ally and none of them triggered the bonus.

     Reply
354. Scott says:

     August 18, 2017 at 10:26 am

     I had success with M&T bank, using the QC code, and made the required transfer from my E-Trade account. The Direct Deposit cash bonus posted the same day as the E-Trade cash was received.

     Reply
355. Smeech says:

     August 20, 2017 at 8:29 pm

     25th DP, probably getting old…
     7/30: Opened Capital One 360 Checking Account
     8/1: Received 2 verified deposits of <$1 from Charles Schwab Brokerage
     8/8: Received 1st $275 DD from Charles Schwab Brokerage
     8/9: Received 2nd $275 DD from Charles Schwab Brokerage
     8/16: Received $300 bonus

     Reply
356. Shulem92 says:

     August 22, 2017 at 6:01 pm

     A drop confused on the DP’s from WF to cap1 360. Mine coded as WELLS FARGO IFI Deposit DDA TO DDA. Any chance I’ll get the bonus? Looks like a DD to me, but what do I know. About how long should I be waiting before I assume it didn’t work. What is the longest someone waited for a cap1 360 bonus to post

     Reply
357. Luke says:

     August 23, 2017 at 8:43 am

     DP: Connexus FCU ACH counted as DD for Chase Total Checking
     ACH $250 8/15 & 8/16 to trigger fee free.
     Cleared chase 8/16 & 8/17 respectively.
     Bonus posted 8/22

     Reply
358. SamSimon says:

     August 27, 2017 at 2:57 pm

     Opened PNC Virtual Wallet With Performance Select on Jun 29
     10 Amazon Reloads
     In July $3,000 PayPal in and then out
     On August 9th – $2,500 PayPal in then out
     Got bonus $300 on August 25th

     Reply
359. Enrico says:

     August 29, 2017 at 11:12 pm

     DP: Mango card. Transfer from Ally Bank Checking to Mango Card recognized as direct deposit.

     Reply
360. Enrico says:

     August 31, 2017 at 4:12 am

     DP: American Express Serve: Push from MeriWest Saving account recognized as Direct Deposit.

     Reply
361. AngJi says:

     August 31, 2017 at 1:10 pm

     DP: BMO Harris
     Opened account 4/17
     Made 2 transfers from Wells Fargo account in June
     $200 Bonus posted 8/31.

     Reply
362. Simon says:

     September 1, 2017 at 10:04 am

     DP: PNC Performance Select
     7/18 – opened account online, funded $2k with CSP, posted as purchase.
     7/27-7/31 – pushed $2500 *2 from Capital One 360 Checking (NOT Money Market), posted as ACH CREDIT XXXXX**** CAPITAL ONE N.A. CAPITALONE.
     7/31 – made $1 *10 Amazon GC reloads.
     concerned that CapOne might not work, I switched to Chase
     8/15 – 8/17 – pushed $2500 *2 from Chase Checking, posted as ACH CREDIT XXXXX**** JPMORGAN CHASE EXT TRNSFR.
     8/28 – $300 reward bonus posted.

     Reply
363. Chelsea says:

     September 1, 2017 at 10:14 am

     Amex Serve counted as DD for BMO Harris (Smart Advantage) checking account.

     First deposit on 7/31, second on 8/8. My bonus from BMO Harris posted on 8/30. Deposits show up in my BMO account as “ACH DEPOSIT PPD”.

     Reply