Below is a list of banks, along with what they’ll count as a direct deposit. This is useful information because a lot of bank sign up bonuses require you to make direct deposits to receive the sign up bonus. Changing where your paycheck is deposited can be frustrating and time consuming. We’ve included the source(s) in brackets next to each method. Note: If Bluebird or Serve show as working/not working then this will be the case for Redcard/Redbird as well. They all run on the same platform (the same is true in reverse as well).

Big Banks/Banks With Regular Sign Up Bonuses

American Express

American Express has two different products, Bluebird & Serve. We’ve split the information below but if it works for one it should work for the other.

Bluebird:

The following count as a direct deposit

Amazon payments: 1

Serve:

Ally: 1, 2

Paypal: 1

CapitalOne360: 1

Santander ACH push: 1

Bank of America

The following count as a direct deposit:

The following no longer count as direct deposit:

ACH Transfer: 1

Ally ACH: 1, 2 (via e-mail in March, 2015), 3,

Amazon Marketplace: 1 (via e-mail on February 11th, 2018)

American Express: Bluebird: 1

Capital One: 1

Chase: 1 (does work to waive fee, not for bonus), 2,

Charles Schwab: 1, 2,

Discover: 1 (does work to waive fee, not for bonus)

Fidelity: 1, 2,

HSBC: 1

Paypal (1, 2), there is evidence of it working previously (1, 2, 3) but this has now been shut down.

PurePoint financial: 1,

BofA user to user transfers (1)

Robinhood: 1, 2, 3,

USAA: 1,

Vanguard: 1

Capital One 360

The following count as a direct deposit:

The following didn’t work:

Ally: 1

Chase: 1

Discover: 1, 2, 3,

Elements: 1

Santander: 1

Stripe: 1

TIAA Direct: 1

Wells Fargo: 1

USAA: 1, 2, 3

Chase

It seems as if any transfer that codes as P2P will no longer work for Chase.

New data points as of September, 2016. The following work to trigger the requirement:

The following do not work:

[View current Chase sign up bonuses]

The following count as a direct deposit:

The following no longer count as direct deposits:

Alliant: 1, 2, 3 (used to work 1)

Ally: 1

Amazon Payments (1)

American Express Savings: 1, 2

Capital One 360/ING Direct, this used to work (1 , 2 , 3, 4 and 1, 2, 3, 4) but it’s now no longer working unfortunately (1, 2, 3, 4, 5). Reports of this working again (1 via e-mail on April 22nd, 2015), 2, 3, 4

Charles Schwab Brokerage: used to work 1, 2, 3 but now no longer works: 1, 2, 3

Citi Bank ACH: 1, 2

Discover: 1, 2

First Tennessee: 1

Google Wallet: 1

HSBC (1, 2, 3)

Mango (1)

Paypal used to work (1, 2, 3) and now no longer works (1 2, 4, 5, 6, 7, 8, 9, 10)

PNC ACH: 1, 2

SDFCU: 1

TD Bank: 1

USAA: 1

Citibank

The following count as a direct deposit:

ACH: 1, 2

Amazon payments: 1

Capital One: 1,

Chase: 1, 2, 3,

Discover: 1, 2, 3,

Emigrant direct: 1

Fidelity ACH: 1, 2, 3, 4,

INGdirect: 1, 2, 3

Paypal: 1, 2, 3, 4,

PNC: 1,

The following don’t count as direct deposit:

Barclaycard: Wyndham: 1

Google Pay: 1 (via e-mail on 5/27/19)

Paypal: 1 (somebody let me know via e-mail it no longer works) (used to work: 1, 2, 3), 4 (didn’t work via e-mail on 5/27/19)

Schwab Brokerage money link transfers (1)

TD Ameritrade: 1

USAA: 1 (via e-mail on 5/27/19)

Discover

The following did work:

Ally: 1 (may no longer work: 1)

Amazon Seller Disbursements: 1

Bank of America Business ACH: 1

Capital One 360: 1, 2, 3

Fidelity: 1

Paypal: 1, 2, 3, 4

Serve: 1

TD Ameritrade: 1

HSBC

The following code as a direct deposit:

Ally: 1, 2, 3, 4 (Checking), 5, 6, 7, 8, 9, 10,

American Express Bluebird: 1

Capital One 360: 1, 2 (Money Market), 3, 4 (didn’t work), 5,

Charles Schwab: 1, 2, 3 (didn’t work), 4,

Chase: 1, 2, 3, 4 (Instant Transfer), 5, 6, 7, 8,

Discover: 1 (Checking), 2 (Savings), 3 (Savings), 4, 5 (savings), 6, 7,

PNC Checking: 1, 2, 3,

Robinhood: 1,

Santander: 1, 2,

Schwab Brokerage: 1

SoFi Money: 1, 2, 3,

Wells Fargo: 1, 2, 3, 4, 5

The following don’t code as a direct deposit:

Huntington Bank

The following count as a direct deposit:

Alliant: 1,

Ally: 1, 2, 3, 4

Amazon Payments (1)

ACH Transfers: 1, 2, 3

Bluebird: 1

Capital One: 1

Chase: 1, 2

PNC: 1

Key Bank

The following count as a direct deposit:

ACH (1)

Ally ACH: 1 , 2 (did work)

, 2 (did work) Alliant: 1, 2 (didn’t work), 3,

American Express: Serve: 1, 2, 3, 4,

Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13,

Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (instant transfer did not work), 11, 12, 13, 14, 15, 16, 17, 18,

Discover: 1, 2 (savings, didn’t work), 3, 4,

E*Trade: 1, 2,

Huntington: 1,

NFCU: 1,

Orgeon Community Credit Union: 1

Paypal: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13,

Santander: 1, 2 (didn’t work), 3,

Stripe Transfer: 1

TD Ameritrade: 1

Transferwise: 1,

USAA: 1, 2, 3, 4,

Wells Fargo ACH: 1, 2, 3, 4, 5, 6, 7, 8, 9,

Venmo: 1, 2, 3, 4, 5,

The following didn’t count as a direct deposit:

Ally: 1, 2 (did work)

Charles Schwab: 1

SoFi Money: 1,

PNC

The following count as a direct deposit:

The following do not count as a direct deposit:

Ally ACH: 1, 2 (used to work: 1

American Express Savings: 1

Charles Schwab: 1 (checking)

Citi: 1,

Tech CU: 1,

Santander Bank

Works (from August 2016 onwards)

Alliant: 1, 2, 3, 4,

American Express Bluebird: 1, 2, Serve: 1, 2, 3, 4, 5,

BMO Harris: 1,

Capital One 360: 1, 2, 3, 4, 5, 6 (didn’t work), 7 (didn’t work), 8 (worked), 9 (worked)

6 (didn’t work), 7 (didn’t work), 8 (worked), 9 (worked) Chase: 1, 2, 3, 4, 5, 6, 7, 8,

Charles Schwab: 1 (brokerage only), 2, 3, 4,

Fidelity: 1, 2, 3, 4, 5,

Wells Fargo: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11,

Venmo: 1,

Doesn’t work:

Charles Schwab Checking: 1 (via Twitter on 06/01/2017)

Discover: 1, 2,

TD Ameritrade: 1

USAA: 1

U.S. Bank

The following count as a direct deposit:

ACH (1)

All America Bank: 1,

Alliant (1), 2, 3, 4, 5, 6, 7, 8,

Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50,

American Express: Serve: 1, 2, 3,

Apple Cash: 1, 2,

Capital One; 1, 2, 3, 4, 5, 6, 7, 8,

Cash app: 1, 2, 3,

Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 (checking), 16, 17, 18, 19, 20, 21, 22, 23,

Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18 (didn’t work), 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42,

Discover: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19,

DFCU: 1,

Fidelity: 1, 2, 3 (didn’t work), 4, 5, 6, 7,

Goldman Sachs: 1,

Incredible Bank: 1,

Marcus: 1, 2, 3, 4,

Paypal: 1

PNC: 1,

School’s First Credit Union: 1,

Simple: 1,

SoFi Money: 1,

Tech CU: 1, 2

Unify FCU: 1,

USAA: 1, 2, 3, 4, 5, 6,

Venmo: 1, 2 (didn’t work), 3,

Wealthfront: 1,

Wells Fargo: 1, 2, 3, 4, 5,

Western Vista Federal Credit Union: 1,

Wells Fargo

The following triggers the direct deposit requirement:

The following didn’t work:

INSPIREUS: 1,

Wealthfront Cash account: 1,

Credit Unions/Small Banks

121 Financial Credit Union

No data points

7 17 Credit Union

No data points

1st Colonial Community Bank

No data points

1st Community Credit Union

No data points

1st Constitution Bank

The following did not work as direct deposit:

Ally: 1

Capital One 360: 1

Chase: 1

Discover: 1

Paypal: 1

Santander: 1

Vanguard: 1

1st Financial Federal Credit Union

No data points

1st Mariner Bank

No data points

1st Security Bank

No data points

1st Source Bank

The following worked as a direct deposit:

Charles Schwab: 1 (money link), 2 (brokerage)

Chase: 1,

1st United Credit Union

The following code as a direct deposit:

3Rivers Federal Credit Union

The following count as a direct deposit:

AAC Credit Union

No data points

ACNB Bank

No data points

Addition Financial

No data points

Advance Financial Federal Credit Union (AFFCU)

We don’t have any data points on what will trigger the bonus, but be warned that the fine print states you must deposit your full pay check. In some cases credit unions will manually check this (e.g you’ll be required to show your pay stub).

Advantage Bank

No data points

Advantis Credit Union

No data points

Adventure Credit Union

The following code as a direct deposit:

Capital One 360: 1

Aero Federal Credit Union

No data points

Affiliated Bank

No data points

Affinity Federal Credit Union

No data points

Air Academy Federal Credit Union

No data points

Allegiance Credit Union

No data points

Allegius Credit Union

No data points

Aloha Pacific Federal Credit Union

No data points

Amalgamated Bank

BMO Harris: 1

Amboy Direct

No data points

American Bank

No data points

American Bank Center

No data points

American Commerce Bank

No data points

American Eagle Financial Credit Union

The following code as a direct deposit:

Charles Schwab: 1,

America First Credit Union

No data points

American Eagle Credit Union

The following did work:

No data points

The following didn’t work:

Paypal: 1

Santander Bank: 1

Serve: 1

American Enterprise Bank

No data points

American Investors Bank & Mortgage (AIBM)

No data points

American Heritage Credit Union

No data points

American Pride Bank

No data points

American Trust & Savings Bank

No data points

American United Federal Credit Union

No data points

AmeriCU Credit Union

No data points

Ameris Bank

The following coded as a direct deposit:

ANB Bank

No data points

Anchor Bank

The following trigger the bonus:

Discover ACH: 1

Andigo Credit Union

The following triggered the bonus

Ally: 1,

American Express: Bluebird: 1

Charles Schwab: 1 (brokerage),

Fidelity: 1, 2,

PayPal: 1,

Venmo: 1,

The following didn’t count:

Alliant: 1,

Capital One: 1,

Andrews Federal Credit Union

No data points

APGFCU

No data points

Apple Bank

The following do count as a direct deposit:

The following didn’t count as a direct deposit:

Chase ACH: 1

Apple Federal Credit Union

No data points

Arizona Central Credit Union

No data points

Arizona Federal Credit Union

No data points

Armed Forces Bank

No data points

Arrha Credit Union

No data points

Arsenal Credit Union

No data points

Arundel Federal Savings Bank

No data points

Arvest Bank

No data points

Ascend Federal Credit Union

No data points

Ashland Credit Union

No data points

Aspiration

The following code as a direct deposit:

American Express: Serve: 1,



The following didn’t code as a direct deposit:

Associated Bank

Ally: 1, 2, 3, 4, 5, 6,

PNC ACH: 1, 2,

Associated Credit Union

No data points

Associated Credit Union of Texas (ACUTX)

No data points

Avidia Bank

The following count:

Capital One 360 ACH: 1

Axos Bank

No data points

Ballston Spa National Bank (BSNB)

No data points

BancorpSouth

No data points

Bank7

No data points

Bank & Trust

Alliant: 1, 2, 3,

Ally: 1, 2, 3,

American Express: Serve: 1,

Capital One: 1, 2,

Charles Schwab: 1 (checking), 2 (pull)

Chase: Personal: 1, 2, Business: 1,



Bank Direct

These guys are extremely strict and it seems they do a manual review on all direct deposits to ensure that they are from an employer. You also need to be depositing your full paycheck rather than a partial deposit, they check this by verifying it against your stated yearly income. Source(s): 1

Bankers Trust

No data points

BankFinancial

No data points

BankHometown

No data points

Bank of Canton

No data points

Bank of Maine

We don’t currently know of anything other than a regular employer payment that will trigger the direct deposit requirement that Bank of Maine requires.

Bank Midwest

No data points

Bank Mutual

The following don’t count as a direct deposit

Ally ACH: 1

Paypal

Bank of Blue Valley

No data points

Bank of Elk River

No data points

Bank Five Nine

No data points

Bank Independent

No data points

Bank of Montgomery (BOM)

No data points

Bank of New York

The following count as a direct deposit:

HSBC (1)

Bank Of Sun Prairie

No data points

Bank of Tennessee

No data points

Bank of The Blue Grass

No data points

Bank Of The West

The following count as a direct deposit:

BMO Harris: 1, 2,

Capital One: 1,

Chase: 1, 2, 3,

Discover: 1, 2, 3, 4, 5,

Emigrant (1)

ING Direct/Capital One 360 (1)

Discover ACH: 1, 2,

Paypal (1, 2, 3, 4, 5, 6,

Schwab ACH: 1

USAA: 1, 2,

Venmo: 1,

We don’t know of any regular methods that don’t count as direct deposit with Bank Of The West.

Bank OZK

No data points

BankWell

Charles Schwab: 1,

Banner Bank

No data points

Banterra

No data points

Barclays

No data points

Bar Harbor Bank & Trust

No data points

Baton Rouge Telco Federal Credit Union

No data points

BB&T

The following does count as a direct deposit:

Alliant: 1, 2,

Ally: 1,

Charles Schwab Brokerage: 1, 2, 3, 4, 5,

E*Trade: 1,

The following doesn’t count as a direct deposit:

BBVA

The following codes as a direct deposit:

Alliant: 1,

Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 (didn’t work), 13, 14, 15, 16, 17, 18, 19, 20, 21, 22,

Chase: 1,

Charles Schwab: 1 (brokerage), 2 (brokerage), 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 (didn’t work), 14 (didn’t work), 15 (didn’t work), 16 (didn’t work), 17,

Fidelity: 1, 2 (didn’t work), 3, 4, 5,

First Tech Federal Credit Union: 1

Merrill Edge: 1

Paypal: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8 (didn’t work), 9 (didn’t work)

Provident Credit Union: 1

TD Ameritrade: 1, 2,

Wells Fargo: 1, 2, 3, 4,

The following did not work:

Beacon Credit Union

No data points

BECU

No data points

Belco Community Bank

No data points

Bell Bank

No data points

Bellco Credit Union

No data points

Beneficial Bank

No data points

Berkshire Bank

No data points

BethPage Credit Union

We don’t currently have any data points on what does or doesn’t count as a direct deposit. Please share in the comments below.

Better Banks

No data points

Beverly Hill Bank

No data points

BHCU

No data points

BiddefordSavings

No data points

Blue Federal Credit Union

The following count as a direct deposit:

BMO Harris: 1,

Blue Hills Bank

The following counted as a direct deposit:

The following did not count as a direct deposit:

BMO Harris

The following do count as a direct deposit:

Alliant ACH: 1, 2 (1 no longer counts), 3 (worked again)

(1 no longer counts), 3 (worked again) Ally: 1

American Express: Serve: 1, 2 (didn’t work) Bluebird: 1 (didn’t work)

Capital One 360: 1, 2, 3, 4

Chase: 1 (business checking), 2, 3 (business checking), 4, 5 (didn’t work), 6 (didn’t work)

Discover ACH: 1, 2, 3 (didn’t count: 1), 4 (did count), 5 (did count)

(didn’t count: 1), 4 (did count), 5 (did count) Fidelity: 1 (brokerage)

Robinhood: 1

Schwab Transfer: 1, 2, 3

Vanguard: 1 (brokerage)

UFCU: 1

The following did not count as a direct deposit:

Ally: 1

Capital One 360: 1 (1 – did work), 2, 3 (did work), 4 (did work), 5 (didn’t work), 6 (didn’t work), 7 (did work), 8 (did work)

Charles Schwab: 1 (brokerage), 2 (did work), 3 (didn’t work), 4

Fidelity: 1

JP Morgan: 1,

Paypal: 1, 2, 3 (did work)

Taxes: Federal & State: 1

USAA: 1

Vanguard: 1,

BMI Federal Credit Union

The following works:

American Express: Bluebird: 1,



BOKF (Bank of Albuquerque, Bank of Oklahoma, Bank of Texas, Colorado State Bank and Trust)

The following worked:

Below is what worked for specific banks within BOKF

Bank of Texas: Capital One 360: 1 Charles Schwab: 1



Brentwood Bank

No data poits

Bridge Credit Union

No data points

Bridgeview Bank Group

The following code as a direct deposit:

The following didn’t work as a direct deposit:

Charles Schwab: 1

The following doesn’t code as a direct deposit:

Capital One 360: 1

Bryn Mawr Trust (BMT)

No data points

Bryon Bank

No data points

No data points

Bull’s Eye Credit Union

No data points

California Bank & Trust

No data points

California Coast Credit Union

No data points

California Credit Union

The following code as a direct deposit:

Chase: Business checking: 1,

Wells Fargo: 1,

Callaway Bank

No data points

Cambridge Savings Bank

The following codes as a direct depsoit

No data points

The following does not code as a direct deposit:

Capital One 360: 1,

Cambridge Trust Company

The following code as a direct deposit:

Charles Schwab: 1,

Camden National Bank

The following worked as a direct deposit:

Capital One: 1

Campus USA Credit Union

No data points

Cape Cod 5

No data points

Cap Ed Credit Union

No data points

Capital Bank

The following did work:

Alliant: 1,

Ally: 1, 2,

Capital One: 1, 2, 3,

Charles Schwab: 1,

Chase: 1,

Discover: 1, 2,

Fidelity; 1,

Paypal: 1, 2, 3,

Wealthfront: 1,

The following did not work:

Charles Schwab: 1,

Chase: 1,

Capital Credit Union

No data points

Capitol Bank

No data points

Carver Federal Savings Bank

No data points

CCFBank

The following do work:

No data points

The following don’t work:

American Express: Serve: 1,

Capital One: 1,

CBT Bank

No data points

Cedar Rapids Bank & Trust

No data points

CEFCU

No data points

Centier

No data points

Central Illinois Bank

No data points

Century Bank

The following code as a direct deposit:

Central Bank

No data points

Central Minnesota Credit Union

No data points

Charles Schwab

Wells Fargo Business: 1

Charter One

The following count as a direct deposit:

ING Direct/Capital One 360 (1)

Chartway Federal Credit Union

We’re unsure what counts as a direct deposit, but we’d recommend using a real employer deposit or government benefit as it looks like they manually check this part of the bonus is completed in good faith. We will update this if this is not the case.

Chesapeake Bank

No data points

Chief Financial Credit Union

No data points

Chime

The following counts as direct deposit:

Ally: 1, 2, 3, 4,

American Express Serve: 1 (personal experience)

Cash app: 1,

Charles Schwab: 1, 2, 3,

Chase: 1, 2, 3, 4, 5, 6,

Circle Pay: 1,

Discover: 1, 2, 3, 4, 5, 6, 7, 8,

TD Bank: 1,

Wells Fargo: 1, 2, 3,

USAA: 1,

U.S. Bank: 1,

Cincinnatus Savings & Loan

No data points

Civista Bank

No data points

Christian Community Credit Union

The following counts as a direct deposit:

No data points

The following doesn’t count as a direct deposit:

Amazon Payments: 1,

TIAA Direct: 1,

CIBC US

The following coded as a direct deposit

Cincinnati Federal

No data points

CinFed Credit Union

No data points

Citadel Bank

No data points

The Citizens Bank

No data points

Citizens Bank

The following count as a direct deposit:

ACH (1, 2)

Alliant: 1, 2, 3,

Ally: 1, 2, 3, 4, 5, 6, 7,

American Express Savings: 1,

Bank of Guam: 1,

Capital One 360: 1, 2, 3, 4,

CardCash: 1,

Charles Schwab: 1, 2, 3, 4,

Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22,

Discover: 1, 2, 3,

Fidelity: 1, 2, 3, 4, 5, 6,

HSBC: 1,

Huntington Bank: 1

ING Direct/Capital One 360 (1)

IRS refund: 1

Paypal: 1,

Santander: 1, 2,

TD Bank: 1,

Topcashback: 1

Wells Fargo: 1,

Vanguard: 1, 2, 3, 4,

Venmo: 1, 2, 3, 4, 5, 6, 7,

The following did not count as a direct deposit:

Capital One 360: 1

Citizens First Bank

No data points

City National Bank (Bankatcity)

No data points

Clearview Federal Credit Union

The following did count as a direct deposit:

Discover trial deposits: 1 (via e-mail on July 31st, 2016)

Clifton Savings Bank (CSBK)

No data points

Clinton Savings Bank

No data points

CNB Bank & Trust

No data points

Collins Community Credit Union

No data points

Columbia Bank (NJ)

The following worked:

Capital One 360: 1, 2, 3, 4, 5, 6,

Chase: 1, 2, 3, 4,

Citizens Bank: 1, 2,

Discover: 1,

Fidelity: 1

Robinhood: 1,

Santander: 1,

TD Bank: 1, 2,

Vanguard: 1

Venmo: 1,

Columbia Bank (WA, OR, ID)

The following work as a direct deposit

Columbia Bank Online

No data points

Comerica Bank

The following worked as a direct deposit:

Alliant: 1,

Capital One: 1,

Chase: 1, 2,

Venmo: 1, 2, 3,

Wells Fargo: 1,

The following didn’t work (note these might not have worked due to out of state or other issues):

Compass Bank

The following count as a direct deposit:

ING Direct/Capital One 360 (1)

Compass Credit Union

No data points

Commerce Bank (MA)

The following count as a direct deposit:

Paypal (1)

ING (1, 2)

Commerce Bank (MO, KS, IL, OK & CO)

No data points

Communication Federal Credit Union

No data points

CommunityAmerica Credit Union

No data points

Community Bank & Trust

No data points

Community First Credit Union of Florida

No data points

Community West Credit Union

The following count as a direct deposit:

ACH counts for the interest rate bonus, but no the cash bonus (1)

Compass Federal Credit Union

No data points

ConnectOne Bank

No data points

Connex Credit Union

No data points

ConnexUs Credit Union

The following count as a direct deposit:

Ally: 1

BMO Harris: 1,



No data points

Consumers Credit Union

The following counted as direct deposit:

BMO Harris: 1,

Chase: 1,

NFCU: 1,

Consumers Credit Union (MI)

No data points

Cooperative Bank of Cape Cod

No data points

Coors Credit Union

No data points

Cornerstone Bank

No data points

Cornerstone Financial Credit Union

No data points

Crane Credit Union

Soft pull: 1

Credit Human

No data points

Credit Union of America

No data points

Credit Union of Ohio

No data points

Credit Union of Southern California

No data points

Credit Union One

The following count as a direct deposit:

Credit Union of Texas

No data points

Credit Union West

No data points

Crystal Lake Bank

No data points

CSE Federal Credit Union

No data points

Current

No data points

Dearborn Savings Bank (DSB)

No data points

Dedham Savings Bank

No data points

Delta Community Credit Union

No data points

Denmark State Bank

No data points

Desert Financial Credit Union

No data points

Desert Schools Federal Credit Union

No data points

Devon Bank

No data points

Diamond Valley Federal Credit Union

No data points

Dollar Bank

The following counted as a direct deposit:

American Express: Serve: 1,

Robinhood: 1,

Thrivent FCU: 1,

Wells Fargo: 1, 2,

The following didn’t work:

Charles Schwab: 1,

Dort Federal Credit Union

No data points

DuGood Federal Credit Union

No data points

Dundee Bank

No data points

East Boston Savings Bank

No data points

Eastern Bank

The following code as a direct deposit:

Charles Schwab: 1,

Eastern Savings Bank

No data points

Eastman Credit Union

No data points

East Wisconsin Savings Bank

No data points

EBSB Direct

No data points

ECCU

No data points

Educators Credit Union (ECU)

No data points

Elements Financial

Alliant: 1, 2, 3, 4, 5 (did not work)

Ally: 1, 2, 3 (didn’t work), 4 (didn’t work)

American Express: Serve: 1, 2, 3,

Capital One 360: 1, 2, 3, 4 (didn’t work)

Discover: 1

Goldman Sachs savings: 1

Incredible Bank: 1,

Wealthfront: 1,

Wells Fargo: 1,

Vanguard: 1, 2 (didn’t work)

The following didn’t work:

Charles Schwab: 1,

Chase: 1,

PNC: 1,

Wells Fargo: 1, 2,

Elko Federal Credit Union

No data points

Empire State Bank

No data points

Emprise Bank

No data points

Energy Federal Credit Union

No data points

ENT Credit Union

No data points

ESSA Bank & Trust

No data points

Essex Bank

No data points

E*Trade

The following count as a direct deposit:

ING Direct/Capital One 360 (1, 2)

Evansville Teachers Federal Credit Union

The following worked:

Alliant: 1,

Initial credit card funding worked: 1

Chase: 1

Marcus: 1,

Wells Fargo: 1,

Exchange Bank

No data points

Excite Credit Union

No data points

Family Trust Federal Credit Union

No data points

Farmers Insurance Federal Credit Union

No data points

Farmers & Merchants Bank

No data points

Farmers & Merchants State Bank

No data points

Farmington Bank

No data points

FAST Credit Union

No data points

FCB Banks

No data points

FCB South County Bank

No data points

FEDCOM Credit Union

We currently don’t have any data points, please share yours in the comments.

Fidelity Bank (PA)

The following code as a direct deposit:

Fidelity Bank (Online, MA)

No data points

Fifth Third Bank

The following count as a direct deposit:

Ally: 1, 2 (no longer working: 1), 3 (worked again), 4, 5, 6,

(no longer working: 1), 3 (worked again), 4, 5, 6, American Express: Serve: 1

Bank of America: 1

Capital One: 1, 2, 3, 4, 5

Charles Schwab: 1,

Chase; 1, 2, 3, 4, 5, 6, 7, 8,

Chase business: 1

Citizens: 1

Discover ACH: 1, 2, 3, 4, 5,

Huntington: 1

USAA ACH (1), 2

ING Direct/Capital One 360 (1, 2, 3, 4, 5 via email on November 8th)

Paypal: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12

Serve: 1

The following did not work:

Alliant: 1 (sent via e-mail 3/13/19)

Huntington Bank: 1

PNC: 1

Financial Builders

No data points

Financial Plus Credit Union

No data points

Financial Resources Credit Union

No data points

Firefly Credit Union

Can fund up to $1,000 with a credit card. The following code as a purchase

Citi: Double cash: 1 (via e-mail 11/22/19), 2,



First Advantage Bank

No data points

First American Bank

The following code as a direct deposit:

First Bank (VA)

No data points

First Bank (CA, IL & MO)

No data points

First Bank and Trust

No data points

First Bank & Trust Company Illinois

No data points

First Bank Financial Centre (FBFC)

No data points

FirstBank

The following worked:

American Express: Serve: 1, 2, 3,

First Tech Federal Credit Union: 1

TD Ameritrade: 1, 2, 3

The following didn’t work:

Capital One 360: 1

FirstBank [TN, GA, AL]

No data points

First Basin Credit Union Checking

No data points

First Citrus Bank

No data points

First Commerce Credit Union

No data points

First Commonwealth Bank

No data points

First Community Bank (AR/MO)

No data points

First Federal Bank of Kansas City

No data points

First Federal Bank of Wisconsin

No data points

First Federal Credit Union

No data points

First Fidelity Bank

No data points

First Financial Bank (AR/MS)

No data points

First Financial Bank (TX)

No data points

First Financial Bank (IL, IN, KY, OH)

The following have counted as a direct deposit in the past:

First Financial Federal Credit Union

No data points

First Financial Northwest Bank

No data points

First Flight Credit Union

No data points

First General Credit Union

No data points

First Hawaiian Bank

No data points

First Internet Bank

No data points

First Merchants Bank

The following code as a direct deposit:

Alliant: 1, 2, 3,

Ally: 1, 2,

American Express: Bluebird: 1,

Capital One: 1,

Charles Schwab: 1, 2 (didn’t work), 3,

Chase: 1,

Goldman Sachs: 1

First Jersey Credit Union

No data points

FirstLight Federal Credit Union

No data points

First-Lockhart National Bank

No data points

First Mark Credit Union

The following count as a direct deposit:

ACH: 1

Alliant ACH: 1

Ally ACH: 1

First MidWest Bank

No data points

First National 1870

No data points

First National Bank of Long Island

No data points

First National Bank in Staunton

No data points

First National Bank and Trust Company

No data points

First National Bank of Waterloo

No data points

First Nebraska Credit Union

We’re not sure what counts as a direct deposit, but they require you to deposit your full pay check according to the fine print so they might require paystub verification.

First Northern Credit Union

No data points

First Tennessee Bank

The following count as a direct deposit:

ACH: 1

Alliant: 1

Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9

Capital One: 1, 2, 3

Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8

Capital One Savings: 1

Charles Schwab: 1, 2

Chase: 1, 2, 3, 4. 5

Discover: 1, 2, 3

First Citizens Bank: 1

Paypal: 1, 2, 3, 4, 5, 6,

Santander: 1

Schwab Brokerage: 1, 2

USAA: 1, 2, 3

Wells Fargo: 1, 2, 3, 4, 5,

Venmo: 1, 2, 3,

The following didn’t work:

First Citizen’s Bank

We don’t know of any methods that do or don’t count as a direct deposit. Contact us if you know of any.

First Federal Bank

No data points

First Green Bank

No data points

First Home Bank

No data points

First Horizon Bank

First Horizon Bank used to be First Tennessee & Capital Bank. We recommend looking at previous datapoints for those banks. Below we will only list datapoints since the name change. The following code as a direct deposit:

First Merit Bank

We have no data points, please share yours in the comments section.

First National Bank (FNB)

The following worked:

First National Bank [UT]

No data points

First National Bank [NE]

The following worked:

Charles Schwab: Trial deposits: 1



Firstrust Bank

The following coded as a direct deposit:

Alliant: 1,

American Express: Bluebird: 1,

Charles Schwab: 1,

PNC: 1,

First Southern Bank

No data points

First South Financial

No data points

First State Bank Of Illinois

No data points

First Tech Credit Union

No data points

First Trade Union Bank (FTUB)

FTUB is a small bank and as such it looks like they manually check to see if you’ve received an employer direct deposit or not. Apart from Capital One 360 there is no record of any regular ACH transfers triggering the bonus (and ING/CapOne 360 is from long ago). The following count as a direct deposit:

ING Direct/Capital One 360 (1)

The following don’t count as a direct deposit:

Ally Bank ACH (1, 2, 3)

Chase ACH (1)

First Niagara Bank

The following count as a direct deposit:

Alliant ACH: 1

Ally ACH: 1, 2

AmEx FSB ACH: 1

Bank of America ACH: 1,

Capital One ACH: 1

Capital One 360 ACH: 1, 2, 3, 4

Charles Schwab: 1,

Chase ACH: 1, 2

Discover: 1

HSBC ACH: 1

Paypal 1, 2, 3, 4

State Farm ACH: 1

Amazon gift cards also work for meeting the minimum debit card transactions required: 1

First Republic Bank

No data points

First United Bank

Fitness Bank

No data points

Fitzsimmons Credit Union

No data points

Five Star Bank

The following counted as a direct deposit:

Wells Fargo: 1

Flagship Bank

No data points

Flagstar

The following do count as a direct deposit:

The following don’t count as a direct deposit:

ACH used to work (1, 2) but in recent times it no longer does (1)

Florence Bank

Wells Fargo: 1,

Florida Community Bank

No data points

Flushing Bank

The following worked as a direct deposit:

American Express: Serve: 1,

Charles Schwab: 1, 2, 3, 4, 5,

Santander: 1, 2, 3,

F&M Bank

No data points

FNCB

No data points

Focus Bank

No data points, please share your experiences in the comments at the end of this post.

Focus Federal Credit Union

No data points

Forcht Bank

No data points

Fort Financial Credit Union

No data points

Fort Worth Community Credit Union

No data points

Freedom Credit Union

No data points.

Freedom Federal Credit Union

No data points.

Freedom First Credit Union

No data points

Fremont Bank

The following code as a direct deposit:

Chase: 1 (waived the monthly fee)

Frontwave Credit Union

The following coded as a direct deposit:

Fidelity: 1 (via e-mail on 11/17)

Fulton Bank

The following have not worked for direct deposit:

Capital One 360: 1,

Chase: 1,

Citi: 1

Discover: 1

Huntington: 1

Wells Fargo: 1

Garden Savings FCU

No data points, please share your experiences in the comments at the end of this post.

Gateway Metro Federal Credit Union

No data points

Genisys Credit Union

No data points

Georgia Banking Company (GBC)

No data points

Georgia’s Own Credit Union

No data points

Gesa Credit Union

No data points

Global Credit Union

No data points

GNO Federal Credit Union

No data points

GoBank

Alliant ACH: 1

BMO Harris: 1,

Chase: 1

GO Federal Credit Union

No data points

Greater Iowa Credit Union

No data points

Great Lakes Credit Union

The following are considered a direct deposit:

Great River Federal Credit Union

No data points

Great Southern Bank

No data points

Greater Nevada Credit Union

No data points

GTE Financial

No data points

Guardian Credit Union

No data points

Gulf Coast Federal Credit Union

No data points

Hancock Whitney

The following worked:

Hanmi Bank

No data points

HarborOne Bank

No data points

The following didn’t work as a direct deposit:

Vanguard brokerage: 1

Harborstone Credit Union

No data points

Hawthorn Bank

No data points

Heartland Bank

No data points

Heartland Credit Union

No data points

Heritage Credit Union

No data points

Heritage Bank NW

No data points

Heritage Bank of St. Tammany

No data points

HeritageWest Credit Union

No data points

Hiway Federal Credit Union

No data points

Holyoke Credit Union

No data points

Home National Bank

No data points

Home Federal Savings Bank

No data points

Home Savings Bank

No data points

Home State Bank

No data points

HomeStreet Bank

Following count as a direct deposit:

Citibank: 1

Paypal: 1

Provident Credit Union: 1

HomeTrust Bank

The following triggered the direct deposit requirement:

Horizon Bank

Horizon Credit Union (WA, ID, MT)

No data points

Houston Metropolitan Federal Credit Union

No data points

Hudson River Community Credit Union (HRCCU)

No data points

Hudson Valley Federal

No data points

IBERIABANK

The following code as a direct deposit:

ICBC USA

Unknown

IC Federal Credit Union

The following count as a direct deposit:

Idaho Central Credit Union (ICCU)

No data points

Ideal Credit Union

No data points

Illinois State Credit Union

No data points

Incredible Bank

The following worked as a direct deposit:

Charles Schwab: 1, 2, 3, 4,

Chase: 1,

Discover: 1,

Wells Fargo: 1, 2, 3,

InRoads Credit Union

No data points

Integrity Bank

No data points

Interior Federal Credit Union

No data points

Interra Credit Union

No data points

InTouch Credit Union

No data points

Investor Bank

The following worked:

Charles Schwab: 1,

Fidelity: 1,

The following didn’t work:

Jovia Financial Credit Union

No data points

JSC Federal Credit Union

The following code as a direct deposit:

Kalsee Credit Union

No data points

Kearny Bank

No data points

Keesler Federal Credit Union

No data points

Kemba Financial Credit Union

No data points

Kentucky Bank

No data points

KeyPoint Credit Union

The following coded as a direct deposit:

Discover savings: 1,

Kinderhook Bank

No data points

Kinecta

No data points

La Capitol Federal Credit Union

No data points

Lafayette Federal Credit Union

No data points

Lakeland Bank

No data points

Lake Michigan Credit Union

The following count as a direct deposit:

ACH (1)

Lake Shore Savings

No data points

Landmark Credit Union

We aren’t sure what counts as a direct deposit.

Land of Lincoln Credit Union

No data points

Ledyard Bank

No data points

LegacyTexas

The following worked:

Capital One 360: 1,

Level One Bank

No data points

Liberty Bank (CT, MA, RI)

The following coded as a direct deposit:

Liberty Bank For Savings

No data points

Liberty First Credit Union

No data points

LM Federal Credit Union

No data points

Long Game

No data points

LorMet Community Federal Credit Union

No data points

Los Angeles Federal Credit Union

No data points

Lyons National Bank

No data points

Mars Bank

No data points

Magnolia Federal Credit Union

No data points

Mango

The following count as a direct deposit:

Alliant: 1, 2

Amazon Payments: 1, 2

Bluebird: 1

Fidelity: 1

ING Direct/Capital One 360 (1) ( Warning: One reader has reported Capital One 360 locking their account with a fraud warning for linking Mango because it is a prepaid product and only personal checking accounts can be used).

One reader has reported Capital One 360 locking their account with a fraud warning for linking Mango because it is a prepaid product and only personal checking accounts can be used). Paypal: 1

Main Street Bank [of Virginia]

No data points

Mainstreet Credit Union

No data points

MainSource Bank

No data points

Marcus Bank

No data points

Marine Bank

No data points

MarketUSA Federal Credit Union

No data points

Mazuma Credit Union

No data points

MAX Credit Union

No data points

Mcfarland State Bank

No data points

MECU Credit Union

No data points

Melrose Bank

No data points

Member One Federal Credit Union

No data points

Members Choice Credit Union

No data points

Members Cooperative Credit Union

No data points

Members Source Credit Union

No data points

Meridian Bank

No data points

Meridian Trust Federal Credit Union

No data points

Meritrust Credit Union

No data points

Meriwest Credit Union

No data points

Michigan Schools and Government Credit Union

No data points

MidFirst Bank

MIDFLORIDA CU

No datapoints

Mid-Hudson Valley Federal Credit Union

No data points

Mid Penn Bank

No data points

MidWestOne Bank

No data points

Midwest Regional Bank

No data points

MB Financial Bank

The following counted as a direct deposit:

Capital One: 1, 2,

Fidelity: 1

Macatawa Bank

No data points

Memphis City ECU (MCECU)

No data points

Meadows Credit Union

There are no working methods for meadows credit union at the moment. The following count as a direct deposit:

HSBC (1)

Memory Bank

Mercer Savings Bank

No data points

Meriwest Credit Union

Charles Schwab: 1,

MidUSA Credit Union

No data points

Mission Federal Credit Union

No data points

MoneyLion

No data points

Monona Bank

No data points

Monroe Bank & Trust (MBT)

No data points

Monson Savings

No data points

Montgomery County EFCU

No data points

MountainOne Bank

No data points

Mountain America Credit Union

No data points

My Banking Direct

The following count as a direct deposit:

Capital One 360: 1, 2, 3, 4

Schwab Brokerage: 1

My eBanc

No data points

Mutual Bank

No data points

Mutual Security Credit Union

No data points

MVB Bank

No data points

The following did not work:

Wells Fargo: 1,

M&F Bank

No data points

M&T Bank

Basically everything coded as a direct deposit before. Seems they have cracked down so we are creating a new list. Here’s what has worked:

Alliant: 1, 2, 3, 4, 5, 6, 7,

American Express Savings: 1,

American Express Bluebird: 1, 2, Serve: 1, 2, 3, 4,

Ameritrade: 1, 2,

BBVA: 1, 2, 3, 4, 5, 6,

Cash app: 1, 2,

Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16,

Citadel Bank: 1,

Coinbase: 1,

Denizen: 1,

E*Trade: 1,

Fidelity: 1, 2, 3,

Incredible Bank: 1, 2, 3, 4, 5,

Key Bank: 1, 2, 3,

PenFed: 1, 2, 3,

Santander: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8, 9, 10, 11, 12, 13, 14, 15, 16, 17,

SoFi Invest: 1 (sent via e-mail on 11/9)

Square Bank: 1,

Stanford Credit Union: 1,

TD Ameritrade: 1,

TIAA: 1,

USAA: 1, 2, 3, 4, 5,

Vanguard: 1,

And what hasn’t worked:

Ally: 1, 2,

American Express: Bluebird: 1,

Chase: 1,

Columbia Bank: 1,

Discover: 1, 2, 3 (worked), 4,

NFCU: 1,

PNC: 1,

Wells Fargo: 1,

The following count as a direct deposit:

The following don’t code as a direct deposit:

NASA Federal Credit Union

No data points

Nassau Financial Federal Credit Union

No data points

Nationwide Bank

The following count as a direct deposit:

American Express Serve: 1

Capital One 360 ACH: 1

Fidelity: 1

Paypal: 1

The following don’t count as a direct deposit:

Ally ACH: 1

Random ACH: 1

Navy Federal Credit Union (NFCU)

No data points

NBC Oklahoma

No data points

Neighborhood Credit Union

No data points

Nevada State Bank

No data points

New Buffalo Savings Bank

No data points

Newton Federal Bank

No data points

Newtown Savings Bank (NSB)

The following code as a direct deposit:

North Brookfield Savings Bank

No data points

North Community Bank

No data points, if you know of any please share in comments.

Northern Paper Milles (NPM)

No data points

NorthOne Bank

No data points

Northern Skies FCU

No data points

Northfield Bank

No data points

North Shore Bank

No data points

North Shore Bank of Commerce

No data points

North Shore Community Bank

No data points

North State Bank

No data points

Northwest Bank

The following code as a direct deposit:

American Express: Serve: 1,



Northwest Federal Credit Union

The following works as a direct deposit:

No data points

NorthWest Savings Bank

The following count as a direct deposit:

ACH: 1, 2

Ally: 1, 2,

Capital One: 1,

Discover: 1

Paypal: 1, 2, 3,

PNC: 1,

Schwab One: 1, 2

USAA: 1

NWSB Bank

No data points

Numerica Credit Union

No data points

NuVision Federal

The following count as a direct deposit:

Amazon Payments (1)

Ameritrade (1)

Schwab Brokerage (1)

NYCB Family Of Banks

BMO Harris: 1,

Oakland University Credit Union

No data pints

Ocean First Bank

The following did count as a direct deposit:

No data points

The following didn’t count as a direct deposit:

Old Hickory Credit Union

No data points

Old Missouri Bank

The following did count as a direct deposit:

BMO Harris: 1,

The following did NOT code as a direct deposit:

Old National Bank

The following do work:

Initial credit card funding: 1, 2, 3,

Fidelity: 1,

PNC ACH: 1, 2,

Wells Fargo: 1

Old Second Bank

The following codes as a direct deposit:

Alliant: 1,

Capital One: 1, 2, 3

Venmo: 1,

OneAZ Credit Union

The following code as a direct deposit:

Capital One: 1,

Chase: 1, 2,

Vanguard: 1,

One Nevada Credit Union

No data points

OneWest Bank

The following count as a direct deposit:

Capital One: 1,

Chase: 1

Discover: 1,

OnPoint Community Credit Union

No data points

Orange County’s Credit Union

No data point

Origin Bank

No data points

Orion Federal Credit Union

No data point

OUR Credit Union

No data points

Palisades Credit Union

No data points

Paradise Valley Federal Credit Union

No data points

Parke Bank

No data points

Partner Colorado Credit Union

No data points

Pelican State Credit Union

No data points

Penn Community Bank

No data points

PeoplesBank (Bankatpeoples)

Unknown

PeoplesBank (MD & PA)

The following works:

Alliant: 1,

Ally: 1, 2,

Charles Schwab: 1, 2,

PNC ACH: 1, 2, 3,

Wells Fargo: 1, 2,

Peoples Bank

We’re currently unsure what will trigger the bonus.

Peoples Bank (LA)

No data points

Peoples Bank (WA)

No data points

Peoples Bank (ibankpeoples IL, IN)

No data points

People’s United Bank

The following did code as a direct deposit:

The following didn’t code as a direct deposit:

Picatinny Credit Union

No data points

Pikes Peak Credit Union

No data points

Pinnacle Financial Partners

No data points

Pinnacle Titans Bank

The following count as a direct deposit:

Paypal or Discover triggered the bonus: 1

Polam Federal Credit Union

No data points

Polish National Credit Union

No data points

Popular Community Bank

The following count as a direct deposit:

Capital One 360: 1, 2, 3,

Chase ACH: 1, 2, 3, 4, 5, 6,

Citibank: 1

Discover: 1

Wells Fargo: 1, Business: 1 (worked to waive monthly fee)



Power Financial Credit Union

No data points

Premier America Credit Union

No data points

Premier Members Credit Union

No data points

Presidential Bank

The following count as a direct deposit:

Prestige Community Credit Union

No data points

Principal Bank

The following count as a direct deposit:

ING Direct/Capital One 360 (1)

HSBC (1)

Progressive Bank

No data points

Progessions Credit Union

No data points

Provident Bank

No data points

Provident Credit Union

No data points

Proviso Community Bank

No data points

PSE Credit Union

No data points

PSECU

No data points

Public Employees Credit Union (PECU)

No data points

Public Service Credit Union

They require you to deposit your full paycheck to be qualified for this promotion (Source).

Purdue Federal Credit Union

No data points

Putnam Bank

No data points

PyraMax Bank

No data points

Randolf Savings Bank

No data points

Reading Cooperative Bank

No data points

Red Rocks Credit Union

No data points

Redstone Federal Credit Union

No data points

Regions Bank

The following count as a direct deposit:

ACH: 1

Alliant: 1, 2,

Ally: 1, 2, 3,

Amazon payments: 1

American Express: Serve: 1

Ally: 1

Bank of America: 1

Capital One 360: 1, 2, 3, 4,

Charles Schwab: 1,

Chase: 1, 2, 3,

First Tennessee: 1

ING Direct/Capital One 360 (1, 2, 3, 4)

PenFed: 1

Reliabank

No data points

Reliance Bank

No data points

Reliant Bank

No data points

Reliant Community Credit Union

No data points

Republic Bank (IN/KY)

The following count as a direct deposit:

Charles Schwab: 1,

Republic Bank (NY)

No data points

Resource One Credit Union

No data points

Ridgewood Credit Union

The following did work:

Charles Schwab: 1,

The following didn’t work:

Rivermark Community Credit

No data points

River Valley Credit Union

No data points

Riverview Bank

No data points

RPT Federal Credit Union

No data points

Rockland Trust Bank

The following worked as a direct deposit:

No data points

The following did not work:

Rollstone Bank & Trust

No data points

Rosedale Federal Savings & Loan Association

No data points

Royal Credit Union

No data points

Sacramento Credit Union

No data points

SAFE Credit Union

No data points

Salal Credit Union

No data points

Salem Bank

The following count as a direct deposit:

Salem Five Direct

Alliant: 1,

Capital One: 1, 2,

Sandy Spring Bank

The following works:

American Express: Serve: 1,

Charles Schwab: Brokerage: 1,



Savings Bank of Danbury

No data points

Sawyer Savings Bank

No data points

SB1 Federal Credit Union

No data points, please share your experiences in the comments.

SchoolsFirstCU

The following count as a direct deposit:

ING Direct/Capital One 360 (1)

Scient Federal Credit Union

No data points

Scott Credit Union

No data points

Seacoast Bank

The following count as a direct deposit:

American Express Serve: 1

Discover ACH: 1

SECNY Federal Credit Union

No data points

SECU

No data points

Security Bank of Crawford

No data points

Security Service FCU

The following count as a direct deposit:

Selco Community Credit Union

No data points

Select Bank & Trust

No data points

SENB Bank

No data points

Service Credit Union

The following codes as a direct deposit:

Alliant: 1,

Discover: 1,

Elements: 1,

SoFi Money: 1, 2,

USAA: 1, 2,

Sharepoint Credit Union

No data points

Signature Bank of Georgia

No data points, please let us know in the comments.

Simmons Bank

No data points

Simple Finance

No data points

Simsbury Bank

No data points

SIS Bank

No data points

SkyOne Federal Credit Union

The following worked:

Alliant: 1, 2, 3,

Ally: 1, 2,

Discover savings: 1,

Wells Fargo: 1,

The following didn’t work:

SoFi Invest

The following did trigger the direct deposit requirement:

PNC: 1,

Wealthfront: 1,

Wells Fargo Business Direct: 1,

The following didn’t trigger the direct deposit requirement:

Alliant: 1,

Ally: 1,

America First Credit Union: 1,

Chase: 1, 2,

PenFed: 1,

Solvay Bank

No data points

Sound Credit Union

We’re unsure what does and doesn’t count as a direct deposit with sound credit union, let us know your experiences in the comments.

SouthEast Bank

No data points

South East National Bank

No data points

Southern Bank

No data points

Southland Credit Union

No data points

Southside Bank

No data points

SouthStar Bank

No data points

South State Bank

The following code as a direct deposit:

Space Coast Credit Union

No data points

Spartan Federal Credit Union

No data points

SPCO Credit Union

No data points

Spire Credit Union

No data, please share your experiences in the comments.

Stanford Federal Credit Union

The following worked as a direct deposit:

No data

The following didn’t work as a direct deposit:

Charles Schwab: 1,

Star Financial Bank

No data points

Star Bank

No data points

Starion Bank

No data points

Stark Federal Credit Union

No data points

Star One Credit Union

The following coded as a direct deposit:

State Bank of Bement

No data points

State Bank Of Cross Plains

No data points

State Bank Of India (California)

No data points

STCU (Spokane Teachers Credit Union)

No data points

Sterling National Bank

No data points

Streator Onized Credit Union (SOCU)

No data points

Sturdy Savings Bank

No data points

St Mary’s Credit Union

No data points

Stoneham Bank

The following code as a direct deposit:

Capital One 360: 1

Santander: 1,

SoFi: 1,

Wells Fargo: 1, 2,

St Paul Federal Credit Union

No data points

S&T Bank

No data points

State Security Bank

No data points

Suffolk Federal Credit Union

No data points

Summit Credit Union

No data points

Summit Federal Credit Union

No data points

Sun Commnity Federal Credit Union

No data points

Sun East Federal Credit Union

No data

Sunflower Bank

No data points

Sun National Bank

No data points

SunTrust

The following count as a direct deposit:

The following didn’t work:

Suntrust requires you to bring in a pay stub to confirm that the amount you’re direct depositing is the full amount of your pay check. Update: it looks like SunTrust is no longer asking for paystub verification.

Synovus Bank

Capital One: 1

Chase: 1,

Sweet Home Federal Credit Union

No data points

TAB Bank

None data points

Talmer Bank & Trust

The following did not trigger the direct deposit requirement:

Capital One: 1

Chase: 1

Venmo: 1

Taunton Federal Credit Union

No data points

TBK Bank

The following code as a direct deposit:

TCF Bank

Alliant: 1, 2,

Ally: 1, 2, 3,

Capital One 360: 1, 2,

Charles Schwab: 1,

Chase: 1,

First Tech: 1 (via e-mail on 04/24/18)

Discover: Savings: 1, 2,

Fidelity: 1

TD Bank

The following count as a direct deposit:

The following do not count as a direct deposit:

TDECU

No data points

Teachers Credit Union

The following code as a direct deposit:

Tech CU

The following count as a direct deposit:

Ally: 1, 2, 3

Capital One 360: 1, 2, 3

Charles Schwab: 1

Chase: 1

Citi: 1, 2

Discover: 1, 2, 3

PNC: 1

Schwab: 1, 2

Synchrony: 1

TEG Federal Credit Union

No data points

Telco Community Credit Union

No data points

Texas Trust Credit Union

No data points

Texell Credit Union

No data points

The Bank Of Denver

No data points

The Bank of Princeton

No data points

The Columbia Bank

No data points

The Cooperative Bank

No data points

The First State Bank

No data points

The State Bank Group

No data points

Thrivent Federal Credit Union

The following code as a direct deposit:

American Express: Bluebird: 1,

Discover: 1,

TIAA Direct

Everbank took TIAA direct over, so it looks like the old data points are no longer accurate. The following are new datapoints:

The following coded as a direct deposit:

The following did not:

Capital One: 1,

Chase: 1,

Discover: 1,

The following coded as a direct deposit:

Capital One ACH: 1

Capital One 360: 1, 2, 3 (didn’t work)

Chase ACH: 1, 2

Chase business ACH: 1

Discover ACH: 1, 2, 3, 4, 5, 6

Fidelity ACH: 1

Fidelity CMA: 1

Fidelity (FID-Moneyline): 1

The following did not count:

Ally ACH: 1

TLC Community Credit Union

No data points

Tobyhana

We have no data points currently.

Tompkins VIST Bank

No data points

Toro Credit Union

No data points

Tower Federal Credit Union

No data points

Town Bank

The following code as a direct deposit:

Capital One: 1,

Town and Country Bank

No data points

Trademark Federal Credit Union

No data points

Traditional Bank

No data points

Truity Credit Union

No data points

TrustCo Bank

No data points, but they say full paycheck/benefits must be deposited.

TruMark Financial

Counts as a direct deposit:

TruStone Financial

American Express: Serve: 1,



TruWest Credit Union

The following have counted as a direct deposit in the past:

TTCU (Formerly Tulsa Teachers Credit Union)

No data points

Ulster Savings Bank

No data points

UMB Bank

The following code as a direct deposit:

Ally: 1,

Chase: 1 (business)

Marcus: 1,

Wells Fargo: 1,

Umpqua Bank

No data points

UniBank

No data points

Unify Financial Credit Union

Alliant: 1, 2, 3,

American Express: Serve: 1, 2,

Capital One: 1, 2, 3, 4,

Charles Schwab: 1 (brokerage), 2, 3, 4,

Chase: 1, 2, 3,

Discover checking: 1, 2,

Fidelity: 1, 2 (CMA), 3, 4, 5, 6, 7, 8, 9,

HSBC: 1,

Ticketmaster: 1,

Wells Fargo: 1,

Union Bank

The following code as a direct deposit:

Union Bank & Trust (NE & KS)

The following code as a direct deposit:

Union Bank & Trust (VA, MD, NC)

Now called Atlantic Union Credit Union

Alliant: 1, 2,

Ally: 1, 2, 3, 4,

American Express: Business Plus: 1

Capital One 360: 1 (trial deposits)

Charles Schwab: 1

Chase: 1

Discover: 1

Merill Edge: 1,

Union Community Bank

No data points

Union Savings Bank

No data points

United Community Bank (UCB)

No data points

United Federal Credit Union

No data points

United Financial Credit Union

No data points

United Roosevelt Savings Bank

No data points

Unitus Community Credit Union

No data points

Unity Bank

No data points

University Federal Credit Union

No data points

Univest

No data points

U of I Community Credit Union

No data points

USAA

The following did count as a direct deposit:

BMO Harris: 1

Navy Federal ACH: 1

The following didn’t count as a direct deposit:

US Alliance Financial

The following did code as a direct deposit:

No data points

The following did not code as a direct deposit:

US Community Credit Union

No data points

USE Credit Union

No data points

US #1364 Federal Credit Union

No data points

U$X Federal Credit Union

No data points

Wakefield Co-operative Bank

No data points

Washington Savings Bank

No data points

Washington Trust

No data points

Water And Power Community Credit Union (WPCU)

No data points

WaterStone Bank

Unknown

Watertown Savings Bank

Fineprint specifically states that it must be government benefit or payroll, but we’re not sure if this is enforced or not.

Waukesha State Bank

No data points

Wealthfront

Unknown

Webster Bank

No data points, but usually optional anyway

Wellesley Bank

No data points

Wesbanco

The following work:

The following don’t work:

Wescom Credit Union

No data points, but optional anyway

Westbury Bank

No data points

Western State Bank

No data points

Western Vista Credit Union

No data points

Westerra Credit Union

No data points

WestField Bank

The following code as a purchase:

Westfield Bank (OH)

No data points

WestTown Bank & Trust

No data points

Widget Financial

No data points

Wilson Bank & Trust

The following code as a direct deposit:

Wings Financial Credit Union

The following code as a direct deposit:

Capital One: 1,

Charles Schwab Brokerage: 1, 2,

Fidelity: 1,

WinTrust

The following code as a direct deposit:

Capital One: 1, 2,

Charles Schwab: 1,

The following did not code as a direct deposit:

Alliant: 1,

Bank of America: 1,

Charles Schwab: 1,

Chase: 1,

T-Mobile Money: 1,

Woori America Bank

No data points

WyHy FCU

No data points

Valley Bank

We currently don’t have any data points, but the fine print specifically says that a direct deposit or automatic ACH debit/credit would work so any ACH transfer should work.

Valley National Bank

The following work:

Capital One: Trial deposits: 1,

Chase: ACH: 1, 2, Initial ACH funding: 1,

NFCU: 1,

The following don’t work:

VantageWest

The following code as a direct deposit:

Paypal: 1, 2, 3, 4,

Wells Fargo: 1,

Varo Money

The following worked:

Alliant: 1, 2, 3, 4,

Ally: 1, 2, 3, 4, 5 (didn’t work), 6 (didn’t work)

Bank of America: 1, 2 (didn’t work)

Capital One: 1, 2 (didn’t work)

Charles Schwab: 1,

Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 (didn’t work)

Discover: 1, 2 (savings), 3, 4, 5, 6, 7,

M&T: 1, 2, 3, 4, 5,

Santander: 1, 2 (didn’t work)

Square cash: 1, 2 (didn’t work)

Unify: 1,

USAA: 1, 2,

Wealthfront: 1, 2, 3,

The following didn’t work:

BB&T: 1,

Charles Schwab: 1,

Goldman Sachs: 1,

PayPal: 1,

SunTurst: 1,

Vanguard: 1

Wells Fargo: 1,

Vectra Bank

No data points

Verity Credit Union

The following code as a direct deposit:

Vibrant Credit Union

No data points

Virginia Credit Union

No data points

Vista Bank

The following works:

Charles Schwab: 1,

The following doesn’t work:

Xceed Financial Credit Union

No data points

Zeal Credit Union