When you open a new savings or checking account, some banks give you the option of using your credit card for the initial deposit. On this page we’ve got a number of data points for which banks (and credit cards) count as cash advances and which don’t.

Avoid cash advance fees by setting your cash advance limit to $0. You can call up your bank and request your cash advance limit be set to $0. Also remember that this is just a collection of data points and by no means means that your transaction will not be coded as a cash advance.

Popular Banks

Bank of America

Does not allow credit card funding, but you can use a debit card to fund up to $300. Visa gift cards do not work (and 2).

Chase

Allows credit card funding up to a $500 limit. It looks like all credit cards are being charged as a cash advance now, so tread lightly. The following don’t count as a cash advance:

Citi: ThankYou Premier: 1 (code as cash advance originally then reverted to a purchase) Prestige: 1

Paypal: Busienss debit card: 1,

PenFen Rewards Visa: 1

The following count as a cash advance:

Citibank

As of February 9th, 2016 Citi no longer offers any sort of credit card funding.

Allows credit card funding up to $100,000. They allow MasterCard & Visa, but not American Express. The follow don’t count as a cash advance:

Bank of America: 1, 2, 3, 4

Barclay: 1, 2 Arrival: 1, 2, 3, 4, 5, 6 US Airways: 1, 2 Aviator: 1, 2 American Airlines: 1

Capital One: Venture: 1



Chase: IHG: 1

Citi cards: 1, 2, 3, 4, 5, 6, 7, 8, 9 AA Select: 1 Executive: 1 Premier: 1, 2, 3 Prestige: 1, 2

Navy Federal Credit Union: Flagship Rewards: 1 (via e-mail on November 10th)



The following do count as a cash advance:

Bank of America: Business Alaska: 1

Barclay Priceline Visa: 1

Capital One: QuickSilver: 1 Spark: 1

Chase: 1, 2 (used to not code as cash advance: 1, 2 (update somebody reports not a cash advance again: 1), 3 cash advance again? 1, 2, 3, 4, 5, 6

Citi cards: Most cards seem to be posting as purchase as noted above, although in the past there had been issues with this (1). That said, there still are some reports of cash advance issues: Citi Premier: 1 Citi Hilton: 1, 2, 3 Citi Platinum Select: 1 Citi AA Business Plat: 1

US Bank: Club Carlson: 1, 2



Discover

Does not allow credit card funding

PNC

Note: Recently, it appears everything is going through as a cash advance. See a discussion about that in this post.

Allow you to fund up to $2,000 with a Visa, Discover or Mastercard credit card (note you can open a checking & savings account, each for $2,000). Maximum funding by phone is $100. The following don’t count as a cash advance:

Alliant: 1, 2,

Barclaycard: 1 (looks like it will almost certainly count as cash advance, see data points below), 2 Arrival: 1 (this is more recent than the cash advance data points), 2, 3, 4, 5, 6, 7, Cash Forward: 1, 2, JetBlue: 1, Lufthansa (via e-mail on March 13th, 2016) Rewards: 1, 2,

BoA: Alaska Airlines: 1 ( Update now codes as cash advance : 1), 2 (didn’t code as CA), 3 (coded as a purchase), 4 (purchase) Cash rewards: 1 Fidelity: 1 Merrill+: 1, 2, 3, 4, 5, 6, 7 Premium Travel Rewards: 1, 2, 3, 4, Travel Rewards Business: 1 Travel Rewards personal: 1, 2, 3, 4, Virgin Atlantic: 1

Capital One: Business Spark: 1, 2, 3, 4, 5, 6, Quicksilver: 1, 2, 3, 4, Savor: 1, 2, 3, Venture: 1, 2, 3,

Chase cards: 1, 2, 3, 4, 5, 6 AARP: 1, British Airways: 1 Chase Sapphire Preferred: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, Chase Sapphire Reserve: 1, 2, 3, 4, 5, 6 (funds refunded 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, Freedom: 1, 2, 3, 4, 5, Freedom Unlimited: 1, 2, 3, 4, Hyatt: 1, 2, 3, IHG: 1, 2, Ink cash: 1, 2, 3, Ink Plus: 1, 2, 3 (code as a cash advance in branch: 1), 4, Ink Preferred: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17 (cash advance) Ink Unlimited: 1, 2, Marriott: 1, 2, Marriott Business: 1, 2, 3, United: 1, 2, 3, 4, Southwest: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,

Citi: You can no longer fund using a Citi card . Update: Citi cards are working again. Cash advance: 1, AA: 1, 2, 3, 4 (5 didn’t go through cash advance limit), 6, 7, 8, 9 (business), 10 (business), 11, 12 (business), 13, 14, 15, 16, Access More: 1, Double cash: 1, 2, 3, 4, 5, 6, 7, Hilton: 1 Premier: 1, 2, 3, 4, 5 ThankYou Premier: 1, AAdvantage: 1

City National Bank: 1, 2, 3,

Consumer Credit Union: Visa: 1

Discover: 1, 2,

Fidelity: 1, 2 (coded as cash advance), 3 (coded as purchase)

Synchrony: Cathay Pacific: 1, 2,

Terps: 1,

USAA: Limitless: 1, 2,

Wells Fargo: Business: 1, 2, 3, 4, 5, Cash wise: 1 Platinum: 1, 2,



Note: Chase seems to originally code as cash advance and then reverts to purchase. If you have data points that say otherwise, please let me know.

The following do count it as a cash advance:

Santander

Allow to fund it up to a $500 with a credit card (can also fund savings with up to $500). Visa, Mastercard & Discover cards can be used. The following don’t count as a cash advance:

The following do code as a cash advance:

Chase: Freedom: 1, Freedom Unlimited: 1,

Citi Citi Prestige: 1 Citi Mastercard: 1



Discover: 1, 2 (didn’t used to code as cash advance, now it does) 1 (doesn’t code as online purchase)

U.S. Bank Business Edge: 1



Wells Fargo

You’re able to fund your checking accounts with up to $500 on a credit card (savings accounts can also be funded with another $500). Update 12/10/15: Seems that the limit is now $50 (1, 2).

You can only use a Visa or Mastercard The following don’t count as a cash advance:

Capital One: Spark: 1,

Chase: !s British Airways: 1, Chase Ink: 1 Chase Ink Preferred: 1, 2, Freedom: 1, Freedom Unlimited: 1, 2, 3 Sapphire: 1 Sapphire Preferred: 1, 2, Sapphire Reserve: 1, 2, 3, United: 1

Citi: 1 American Airlines: 1, 2, 3, 4, 5 (business), 6, Double cash: 1, 2, 3,

Barclay: Arrival: 1, 2, 3 (might no longer work: 1, 2), 4

Bank of America: 1 Alaska: 1

Huntington: 1,

KCU: 1,

U.S. Bank: FlexPerks Visa: 1



The following will count as a cash advance:

All Citi cards: 1 (don’t think it codes as cash advance anymore: 1)

Capital one: 1

U.S. Bank

Update: Looks like it’s back, but only up to $50.

Sadly U.S. Bank no longer allows credit card funding.

You’re able to fund your account with up to $500 on a credit card. The following cards don’t count as a cash advance:

American Express(note the CA data points below): Business Gold Rewards: 1, 2, Business SPG: 1 2, Delta Gold: 1, 2, 3, 4, Delta Gold Business: 1, Delta Platinum: 1, 2 Hilton: 1 Hilton Surpass: 1 Platinum: 1

Bank of America: 1 Alaska Airlines: 1 Cash Rewards: 1, 2 (posted as cash advance and then reverted to purchase) Merrill+: 1, 2, Virgin Atlantic: 1

Barclaycard: Arrival: 1, 2, 3, 4, Aviator: 1 Cash Forward: 1 Wyndham: 1, 2,

BBVA: NBA: 1

Capital One: 1 Quicksilver: 1, 2, Spark: 1, Venture: 1

Chase: 1, 2, 3 AARP: 1 Amazon: 1 British Airways: 1 Freedom: 1, 2, 3, 4, 5, 6, 7 Freedom Unlimited: 1, 2, 3, 4, Hilton: 1 Hyatt: 1, 2, Ink Preferred: 1, 2, Marriott: 1, 2, United: 1 Sapphire Preferred: 1, 2, 3, 4, 5, 6, 7, Sapphire Reserve: 1 Southwest: 1, 2, 3, 4, 5, 6,

Citi: 1, 2, 3, 4 AA Platinum Select: 1, 2, 3, 4, 5, Business: 1 Double cash: 1, 2, 3, 4, HHonors Reserve: 1 (coded as cash advance: 1) Hilton: 1 Premier: 1, 2, 3, 4, Prestige: 1, 2

Capital One: 1 Quicksilver: 1 Venture: 1, 2

Commerce Bank: Special Connections: 1

Discover: 1

First Tennessee: Visa Signature: 1

Navy Federal: Go Rewards: 1

PayPal Mastercard: 1,

PenFed: 1, 2

TD: Ameritrade: 1

U.S. Bank Altitude Reserve: 1,



The following cards did count as a cash advance:

American Express (previously didn’t code as cash advance: 1, 2): 1 Everyday: 1 (2 not coding as cash advance) Everyday Preferred (this originally code as a cash advance and then processed as a purchase: 1) Business Platinum: 1 Hilton Surpass: 1 SimplyCash: 1 (via e-mail on March 24th, 2016) SPG: (apparently neither personal or business coded as cash advance in April, via e-mail), 2, 3 (didn’t code as CA), 4

Barclaycard: Arrival: 1

Bank of America: Cash rewards: 1

Citi: Business Aa: 1

Discover: 1

US Bank Cards: 1 American Express Fidelity: 1, 2

Wells Fargo: Propel (coded as cash advance in April, via e-mail)



Smaller Banks

1st Financial Federal Credit Union

Can fund up to $500 with a credit card.

1st Mariner Bank

Acquired by Howard Bank, unsure on Howard Bank credit card funding.

You can initially fund up to $2,500 with a credit card (American Express not allowed).

The following code as a purchase:

PenFed: Platinum Visa: 1

Schwab: 1

The following code as a cash advance:

Bank of America: 1

Barclaycard: Arrival Plus: 1 (via email on March 2nd, 2016)

Chase: Rapid Rewards: 1

Citi: American Airlines: 1, 2



1st United Credit Union

Can fund with a credit card up to an $2,000 maximum. The following code as a purchase:

Bank of the West: Business: 1,

Chase: Freedom Unlimited: 1 (via e-mail on 09/06/18) Hyatt: 1, 2, Ink Preferred: 1, 2 Ink Unlimited: 1, Marriott: 1 Sapphire Preferred: 1, Sapphire Reserve: 1, United Business: 1,

Citi: Doublecash: 1, 2,

U.S. Bank: Altitude Reserve: 1,



3Rivers Federal Credit Union

Can fund up to $500 with a credit card (Visa or Mastercard). The following code as a purchase:

Chase: Hyatt: 1, Ink preferred: 1, Sapphire Preferred: 1,

Citi: Double cash: 1, 2,



Achieva

Can fund up to $10,000 limit now $1,500 with a credit card. The following code as a purchase:

Wells Fargo: Business: 1,



Addition Financial

Can fund up to $3,000 with a Visa or Mastercard. The following code as a purchase:

Alliant: 1,

Chase: Ink Preferred: 1, Sapphire Reserve: 1,



Advantis Credit Union

Can fund up to $2,550 with a Visa, Mastercard or Discover. The following code as a purchase:

Chase: British Airways: 1



Adventure Credit Union

Can fund with a credit card up to $2,500. The following code as a purchase:

Citi: Double cash:



Adventure Credit Union

Affinity Federal Credit Union

Can fund up to $5,000 with a Visa, Mastercard or Discover. The following code as a purchase:

Chase: 1,

Citi: Double cash: 1,



Agriculture Federal Credit Union

You can fund up to $1,500 $500 initially with a credit card. (across all accounts). Only Visa & Mastercard are accepted. The following don’t code as a cash advance:

Code as a cash advance:

Alabama Credit Union

You can fund up to $500 with a credit card.

Following post as a purchase:

Barclaycard Gold: 1 (via e-mail, March 10th, 2016)

Allegacy Credit Union

Can fund up to $750 with a credit card. They accept Visa or Mastercard.

Amalgamated Bank

You can fund with up to $500 with a credit card, Visa or Mastercard only. Opening a savings account will not let you fund another $500, unless it’s opened at a later date.

The following post as a purchase:

Bank of America: 1 Alaska: 1 Cash Rewards: 1

Barclaycard: Arrival Plus: 1 Aviator: 1

Capital One: 1

Chase Freedom: 1 Freedom Unlimited: 1, 2 Hyatt: 1 IHG: 1, 2. 3 INK: 1 Marriott: 1 Marriott Business: 1 Sapphire: 1 Sapphire Preferred: 1 Southwest: 1, 2 United: 1

Citi American Airlines: 1 Double Cash: 1 Prestige: 1

HSBC: Platinum: 1 (via e-mail on 04/11/2017)

MetaBank Issued Visa GC: 1

TD Ameritrade Client Rewards VISA: 1

The following does code as a cash advance:

Barclaycard: Arrival+: 1 (but for most others this was not an issue: 1, 2)



American Eagle Financial Credit Union

Can fund both savings and checking up to $500 each. Mastercard, Visa & American Express are accepted. The following code as a purchase:

Citi: Double cash: 1



America’s Credit Union

Update: It looks like they no longer allow credit card funding. It looks like ACU allows credit card funding of up to $10,000. We’re unsure of what cards are accepted and what does and doesn’t code as a cash advance.

American Heritage Credit Union

Accepts all credit cards and you can fund up to $1,000, now you can fund only up to $500. We’re unsure what does and doesn’t code as a cash advance.

Andigo Credit Union

Can fund up to $1,000 with a credit card (per account) (Visa, Mastercard & Discover all accepted. American Express is no longer allowed, although it never actually worked). The following code as a purchase:

The following coded as a cash advance:

Alliant: 1,

Capitanl One: Spark: 1,

Citi: American Airlines Business: 1, 2 (coded as cash advance) ThankYou Premier: 1

City National Bank; 1,

Arapahoe Credit Union

Can fund up to $1,005 with a credit card. The following coded as a purchase:

Bank of America: Travel Rewards: 1,



Arizona Federal Credit Union

Can fund up to $200 with a credit card. The following code as a purchase:

Citi: American Airlines: 1,

PNC: Cash rewards: 1,



Arizona State Credit Union (now OneAZ Credit Union)

Arizona State Credit Union allows credit funding of up to $500 (previously $2,500). The following code as a purchase:

Chase: Sapphire Preferred: 1 IHG: 1

FNBO: TravElite: 1,



Armed Forces Bank

Can fund up to $100 with a credit card. The following code as a purchase:

Citi: Double cash: 1,



Arundel Federal Savings Bank

You can fund up to $500 with a credit card. The following code as a purchase:

Chase: Ink business: 1, Sapphire Preferred: 1,

Citibank: American Airlines: 1,

Discover: 1,

Aspire Credit Union

Can fund up to $150 with a credit card.

Associated Bank

You can fund up to $1,200 with a credit card, American Express cards are not accepted.

Counts as purchase:

Bank of America; Premium Travel Rewards: 1,

Barclay Arrival: 1 JetBlue: 1

Chase (seems like it might code as a cash advance now) Freedom: 1, 2, Freedom Unlimited: 1 (cash advance) Ink: 1, 2, 3, Preferred: 1 (cash advance) Marriott: 1, 2, Southwest: 1, 2 (cash advance) United: 1,

Citi: 1 American Airlines: 1, 2, Double Cash: 1, 2, 3, 4, 5, 6,

Discover: 1, 2,

PNC: 1,

Wells Fargo: 1,

Codes as cash advance:

Bank of America: 1,

Capital One: Spark business: 1,

Chase: Ink Preferred: 1, 2, Marriott boundless: 1, Sapphire Reserve: 1,



Bankers Trust

You can fund with a credit card up to $10,000. The following code as a purchase:

Barclaycard: Aviator Red: 1

Chase: Sapphire Preferred: 1,



bankESB (East Hampton Savings Bank)

You can fund up to $1,000 with any Visa, MasterCard or Discover credit card.

The following count as a purchase:

Bank of America: Amtrak: 1

Chase: British Airways: 1 Freedom: 1 IHG: 1 Ink Preferred: 1, Sapphire Reserve: 1

Citi: American Airlines business: 1, Double Cash: 1 Prestige: 1



The following code as a cash advance:

Bank of Colorado

You can fund up to $1,000 with a credit card, this is basically the same bank as Pinnacle so data points from that bank and this one should work for each. Below is just what has worked for Bank of Colorado

Codes as a purchase:

Bank of Maine

Acquired by Camden National Bank

Bank of Maine allows credit card funding, there is a limit of $500. We currently don’t have any data points on what is and isn’t considered a cash advance.

Bank of the West

Update: recent data points are showing Bank of the West coding as a cash advance, be warned. This DP says Citi Doublecash was purchase? This DP was purchase on BBVA card. Purchase on Citi DC

Bank of the West allows credit card funding up to $500. Visa or Mastercard only. You can only fund up to a maximum of $500, even if you open checking & savings account.

The following code as a purchase:

Alliant: Cashback Visa Signature: 1,

Bank of America: Cash rewards: 1, 2, 3, Merill+: 1 Premium Rewards: 1 Travel Rewards: 1, 2,

Bank of The West: Business: 1,

Barclays: Arrival: 1,

Capital One Spark: 1, Venture: 1, 2, 3

Chase: 1 (didn’t work), 2 (didn’t work) Disney: 1 Freedom: 1 Freedom Unlimited: Hyatt: 1, 2, 3, Ink Cash: 1, Ink Preferred: 1, 2, 3, Ink Unlimited: 1, Marriott Business: 1, Sapphire Preferred: 1, 2, Sapphire Reserve: 1, 2, 3, 4,

Citi: AA: 1, 2, AT&T Access More: 1, Double Cash: 1, 2, 3, Premier: 1, ThankYou Premier: 1

City National Bank: Visa Infinite: 1,

Fidelity: Visa: 1, 2, 3, 4

U.S. Bank Altitude Reserve: 1, 2, FlexPerks: 1, Prepaid Mastercard: 1,

Wells Fargo: Platinum: 1, 2,



Bank & Trust

You can fund up to $2,000 with a credit card. American Express it not accepted. The following code as a purchase:

Bank of America: Cash Rewards: 1 Virgin Atlantic: 1, 2,

Barclaycard: Wyndham: 1 Priceline: 1,

Chase: Chase Ink Cash: 1, Ink Plus: 1, 2, Ink Preferred: 1, Marriott Business: 1, Sapphire Reserve: 1 United: 1,

Citi: American Airlines Platinum: 1 Double cash: 1, Premier: 1,

U.S. Bank Altitude Reserve: 1,

VantageWest: 1,

Bankwell

Can fund with Visa, Mastercard, or Discover (1). The following code as a purchase:

Citi: Double cash: 1,

Discover: It: 1,



BB&T

You can fund a maximum of $250 with a credit or debit card when opening a new bank account. When you get to the final screen it will say that only debit cards are able to be loaded, but if you input a credit card it should still work. The following cards code as a purchase:

Bank of America: Alaska: 1, Merrill+: 1 Premium Rewards: 1 Travel rewards: 1

Barclays: Arrival: 1,

Chase Freedom: 1 Freedom Unlimited: 1, 2, Hyatt: 1, Marriott Business: 1 Sapphire Preferred: 1, 2, 3, Sapphire Reserve: 1, 2, 3, 4, 5, Southwest Premier: 1 Southwest Business: 1

Citi: American Airlines: 1 (didn’t process due to cash advance limit) Double Cash: 1, 2, 3, Hilton: 1 Hilton Reserve: 1 ThankYou Preferred: 1 ThankYou Premier: 1, 2,

Wells Fargo Business Platinum: 1



BBVA Compass

BBVA allows credit card funding, only Visa & MasterCard (Mastercard does not work) may be used. There is a limit of $500 that can be funded (previously was $5,00)

Codes as purchase:

Alliant: 1, 2, 3, Visa Platinum Rewards: 1 3% card: 1, 2, 3

Avianca: 1

Bank of America: 1, 2, Alaska Airlines: 1, 2, 3, 4, Cash Rewards: 1, 2 (originally cash advance, reverted to purchase) British Airways: (via e-mail on March 16th, 2016) Premium Rewards: 1, 2, 3, MERRIL+: 1, 2, 3, 4, 5, 6, 7,

Capital One: Cashback: 1 (was pending as cash advance, reverted to purchase) Quicksilver: 1, 2, Spark Business: 1

Chase: Chase Sapphire Preferred: 1

Citi: AA: 1 Costco: 1

City National Bank Visa infinite: 1,

NFCU: Flagship Rewards: 1,

Synchrony: Cathay Pacific: 1

U.S. Bank: Cash+: 1, Fidelity: 1, 2,

USAA: Limitless: 1 Visa: 1,

U.S. Bank: Altitude Reserve: 1,

Wells Fargo: Business: 1, 2, 3,



Codes as cash advance:

Barclaycard: Uber: 1

Chase: British Airways: 1 Business United: 1 Freedom: 1 Freedom Unlimited: 1 Marriott Business: 1 Sapphire Preferred: 1 Sapphire Reserve: 1

Citi: Prestige: 1



Beacon Credit Union

You can fund up to $500 with a Visa or Mastercard.

Bell Bank

Can fund up to $1,000 with a credit card (Visa or Mastercard). The following code as a purchase:

Capital One: Quicksilver: 1,

Chase: Freedom: 1, Ink Preferred: 1, Ritz-Carlton: 1,

Citi: Double Cash: 1,



BethPage Credit Union

You can initially fund up to $100 with a credit card

Blue Hills Bank

Blue Hills Bank has now merged with Rockland Trust.

You can initially fund your account with up to $10,000 down to $1,000 now using a credit card. The following don’t count as a cash advance:

Barclaycard: Arrival: 1, 2 Miles & More: 1

Chase: British Airways: 1 Freedom: 1 Ink Cash: 1 Sapphire Preferred: 1 United: 1

Citi: AA exec: 1



Blue Federal Credit Union

Credit card funding no longer available.

Can fund up to $6,010 (might be limited to $500 now, but somebody funded $1,000). You can only fund with a Discover, Visa or Mastercard (American Express not accepted) The following code as a purchase:

Chase: Fairmont: 1 Freedom: 1 (via e-mail on August 17th, 2016), 2 Ink: 1 Sapphire Reserve: 1, 2, 3, 4, 5, 6, 7, 8, 9 Southwest: 1, 2

Citi American Airlines: 1 AT&T Access More: 1, Double Cash: 1 Prestige: 1, 2 (e-mail on September 4th)



BMI Federal Credit Union

Can fund up to $250 with a Visa or Mastercard. The following code as a purchase:

Unknown

The following codes as a cash advance:

Chase: Ink Preferred: 1,



BMO Harris

BMO Harris no longer accepts credit card funding

BMO Harris allows credit card funding, with a limit of $1,000. You should be able to fund both checking & savings with $1,000 (money market also works). Update: Multiple reports indicate (1, 2) that BMO no longer allows credit card funding. The following don’t count as a cash advance:

American Express: BMO Harris no longer accepts American Express Blue Business Plus: 1, 2, 3, 4, Blue cash preferred: 1 Business Gold Rewards: 1, 2, Business Platinum: 1 Delta: 1, 2 Everyday: 1 Green: 1 Hilton: 1 Hilton Surpass: 1, 2 Platinum: 1 SPG: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15

Bank of America: 1, Alaska: 1 Cash Rewards: 1 Merrill: 1, 2, 3, 4, 5, 6 Travel Rewards: 1

Barclaycard: Arrival: 1 Aviator Red: 1 CashForward: 1 Miles & More: 1 Priceline: 1

BBVA Compass: 1 (via e-mail on February 22nd, 2016)

Capital One: Spark Business: 1, 2, Venture: 1, 2, 3

Chase cards (might now code as cash advance, see below): AARP: 1 Amazon: 1 British Airways: 1 Fairmont: 11 Chase Freedom: 1, 2 Hyatt: 1, 2, Ink Preferred: 1, 2, 3, 4, 5, 6, Ink: 1, 2, 3 Ritz-Carlton: 1, Sapphire Preferred: 1, 2, 3, 4, 5, 6, Sapphire Reserve: 1, 2, 3, 4, 5, Southwest: 1, 2, 3, 4, 5, United: 1, 2

Citi: American Airlines: 1, 2 (business), 3, 4, 5, 6, Double cash: 1, 2, 3, 4 Hilton Reserve: 1 Premier: 1, 2, Preferred: 1 Prestige: 1, 2,

Commence By Sallie Mae: 1

Consumers Credit Union: 1

Fifth Third: Trio: 1

FNBO: Travelite: 1

USAA: Limitless: 1

U.S. Bank: 1 (originally coded as cash advance and then reverted to purchase) Altitude Reserve: 1 Fidelity: 1, 2, 3, 4, 5

Wells Fargo: Propel World: 1, 2, 3



Count as cash advance:

Capital One: Spark business: 1 (was denied due to cash advance limit)

Chase: 1

Citi: 1

Boulder Valley Credit Union

Allows you to fund up to $500 with a credit card. The following do not code as a cash advance:

Chase Sapphire Preferred

California Coast Credit Union

Can fund up to $5,100 with a credit card. The following code as a purchase:

Callaway Bank

Can fund up to $250 with a credit card. We don’t have any other info currently.

Cambridge Savings Bank

You can fund up to $1,000 with a credit card. Visa, Mastercard & Discover are accepted. The following codes as a purchase:

Bank of America: Premium Rewards: 1,

Barclays: Aviator: 1, JetBlue: 1,

Chase: Freedom Unlimited: 1, 2, Ink Preferred: 1, Sapphire Reserve: 1, 2,

Citi: Premier: 1,



Camden National Bank

You can fund up to $500 with a Visa or Mastercard. The following codes as a purchase:

Chase: United Business: 1

Citi: AA: 1



Capital Bank

Can fund up to $300 $50with a credit card. The following code as a purchase:

Chase: Southwest: 1,

Citi: Doublecash: 1, 2, 3, 4,

City National Bank: 1,

U.S. Bank: Cash+: 1,



Capital One

The following comes through as a cash advance:

Citi Double Cash: 1

Central Bank (OK & MO)

Can fund up to $1,000 with a credit card. Visa & Mastercard are accepted, no American Express or Discover. Looks like opening a savings account lets you fund another $1,000 as well. The following code as a purchase:

Barclaycard: Arrival Plus: 1 Cash Forward: 1

Citi: Simplicity: 1

Commerce Bank: Special Connections: 1

HSBC: Platinum: 1 (via e-mail on 04/11/2017)

Merrill: 1,

The following didn’t work:

Central Bank (Iowa, Minnesota, and the Dakotas)

Can fund up to $500 with a credit card.

Central Minnesota Credit Union

Can fund up to $5,000 with a credit card. The following code as a purchase:

Chase: Freedom Unlimited: 1, Ink Unlimited: 1,



Chartway Credit Union

You can fund a maximum of $1,500 with a credit card. The following don’t count as a cash advance:

Bank of America: Alaska Airlines: 1

Chase cards: Chase Freedom: 1, 2 (coded as a cash advance) Southwest: 1

Citi: American Airlines: 1 ThankYou Preferred: 1

US Bank: Club Carlson: 1



Charter One

See: Citizens Bank. They are the same bank with a different branding in IL, MI, and OH.

Christian Credit Union

Allows credit funding with a limit of $500 for checking accounts and $500 for their CD products, you must qualify for the membership requirements as well. The following code as a purchase:

Barclaycard: Hawaiian Airlines: 1

Chase: Ink Unlimited: 1,



Citadel Credit Union

You can fund up to $500 with a credit card. They accept Visa, Mastercard, Amex, or Discover.

The following code as a purchase:

Chase: 1 Freedom: 1, 2, Sapphire Reserve: 1,

Citi: AA: 1 Double cash: 1



Citizens Bank

Update: Might all be cash advances now.

Update: One reader was able to fund up to $2,000 with a credit card (probably $1,000 from savings & another $1,000 from checking). Citizens Bank allows credit card funding up to $1,000, only Visa & MasterCard are accepted. The following don’t count as a cash advance:

Alliant: 1,

Barclaycard: Arrival: 1, 2, 3 (coded as cash advance), 4, Uber: 1, Wyndham: 1,

Bank of America: Alaska Airlines: 1 Travel Rewards: 1, 2, Merrill: 1 Premium Rewards: 1, 2, 3,

Capital One: Savor: 1, Venture: 1,

Chase cards: 1, 2 AARP: 1, 2 (coded as cash advance) Chase Freedom: 1, 2, 3, 4, 5, 6, Freedom: 1, Freedom Unlimited: 1, 2, 3, Hyatt: 1 IHG Premier: 1, Ink Cash: 1, Ink Preferred: 1, 2, Ink Unlimited: 1, 2, Sapphire Preferred: 1, 2, 3, 4, 5, Sapphire Reserve: 1, Southwest: 1, 2, 3 United: 1,

Citi (seems to be cash advance now: 1, 2): American Airlines: 1, 2, 3, 4, American Airlines business: 1, Double cash: 1, 2, 3,

Terps: 1,

Wells Fargo: Business Platinum: 1,



The following will count as a cash advance:

Clearview Federal Credit Union

You can fund up to $500 with a Visa or Mastercard. The following code as a purchase:

Chase: Chase Sapphire Preferred: 1



Clinton Savings Bank

You can fund up to $1,000 with a credit card. Visa, Mastercard & Discover are all accepted. The following code as a purchase:

Citi: Double cash: 1,

Chase: IHG: 1,



Collins Community Credit Union

Can fund up to $2,500 with a credit card. The following code as a purchase:

Chase: Freedom Unlimited: 1,



Columbia Bank (NJ)

No longer allows credit card funding . Credit card funding is now $1,000. Cannot use American Express to fund.

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

Chase: Ink Business Cash: 1, Sapphire Reserve: 1,

Citi Double Cash: 1,

Fidelity: 1,

Wells Fargo: Business Platinum: 1,



Columbia Credit Union

You can fund up to $2,500 reduced to $500 with a credit card (might have been reduced to only $500), the following code as a purchase:

Bank of America: 1

Citi: Double Cash: 1, 2,



Communication Federal Credit Union

You can fund each account with at least $500 using a Visa/Mastercard. The following code as a purchase:

Chase Freedom: 1 (sent via e-mail on 11/14/18) Sapphire Preferred: 1, Southwest business: 1,



CommunityAmerica Credit Union

Can fund at least $2,000 with a credit card, possibly more. The following codes as a purchase:

Commence Bank: 1

Community First Credit Union of Florida

Can fund up to $1,500 with a credit card, the following code as a purchase:

Consumers Credit Union

You can fund up to $210 with a Visa, MasterCard or American Express card. The following did not code as a cash advance:

Chase: 1, 2 Freedom: 1 Hyatt: 1 Marriott: 1

Schwab Visa: 1

Citi American Airlines: 1 Double Cash: 1, 2 Prestige: 1



The following did code as a cash advance:

Barclaycard: Wyndham: 1

Citi: 1 AAdvantage card: 1 Prestige: 1



Cornerstone Bank

You can fund up to $10,000 with a credit card. The following code as a purchase:

No data points

Country Bank For Savings

Can fund up to $2,000 with a credit card (Discover, Visa & Mastercard). The following codes as a purchase:

Chase: Hyatt: g Ink Preferred: 1, 2, Sapphire Reserve: 1 Southwest Business: 1,

Citi: American Airlines business: 1, 2 (didn’t work with cash advance limit set to $0) Double cash: 1



Credit Human

Can fund up to $500 with a credit card. The following code as a purchase:

Credit Union One

You can fund up to $600 with a credit card. The following code as a purchase:

Chase: 1, Freedom: 1 Ink Preferred: 1,

Citi: Double cash: 1, 2, 3, Premier: 1,



Credit Union SoCal

Can fund up to $1,010 with a credit card.

Credit Union of Texas

Can fund with a credit card up to an unknown amount.

The following code as a purchase:

No data points

The following code as a cash advance:

Citi American Airlines: 1,



Dearborn Savings Bank (DSB)

Can fund up to $500 with a credit card. The following codes as a purchase:

Capital One: Quicksilver: 1,



Desert Financial Credit Union

It’s possible to fund with a credit or debit card, up to a maximum of $600.

Destinations Credit Union

You can fund with a credit card – up to $1,000 with Paypal or $500 without (1).

The following do not count as a cash advance when funding via Paypal:

Chase INK: 1 Sapphire Preferred: 1

Fidelity Amex: 1

Digital Federal Credit Union

Can fund up to $250 with a credit card. The following code as a purchase:

Bank of America: Cash rewards: 1, Merrill+: 1

Chase: Freedom Unlimited: 1, Hyatt: 1

Citi: Double cashback: 1,

Fidelity: 1,

PNC: Cash rewards: 1,

Wells Fargo: Business Platinum: 1,



The following didn’t work:

Barclaycard: JetBlue: 1

Chase: Ink Preferred: 1,



Earn Bank

Can fund up to $500 with a credit card. Visa, Discover, and Mastercard only

Eastern Bank

No longer possible?

You can fund up to $2,000 with a credit card. Visa, Mastercard, Discover & American Express are all accepted. The following code as a purchase:

East Cambridge Savings Bank

Can fund with Visa/Mastercard or Discover up to an unknown maximum.

ECCU

Can fund up to $5,000 with a credit card. The following code as a purchase:

Bank of America: Business cash rewards: 1,

Chase Ink: 1, Ink Preferred: 1,

Citi: Double cash: 1,



The following code as a cash advance:

Citi: Double cash: 1, 2 (this says it didn’t code as a cash advance?), 3,

U.S. Bank: Leverage: 1,



Excite Credit Union

Can fund up to $2,500 with a Visa or Mastercard. The following count as a purchase:

None

Elevations Credit Union

Allows you to fund up to $2,500 with a credit card (shows maximum of $1,000 but can fund up to $2,500, used to be $10,000). The following do not count as a cash advance:

Barclays: Arrival+: 1,

Chase Chase sapphire preferred (e-mail data point), 2

Citi: Platinum Select: 1



Emprise Bank

Can fund up to $100 with a credit card. The following code as a purchase:

ENT Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

Barclays: Aviator: 1,

Chase Freedom: 1, Freedom Unlimited: 1, 2 (cash advance in branch), 3,



Evansville Teachers Credit Union

You can fund with a credit card, up to $1,200. The following code as a purchase:

Barclaycard: Arrival+: 1, 2, 3

Chase: Freedom: 1, IHG: 1 Ink Preferred: 1, Sapphire Preferred: 1 Sapphire Reserve: 1 Southwest: 1,

Citi American Airlines: 1 Double Cash: 1, 2



Farmington Bank

Can fund up to $1,000 with a Visa, Mastercard or Discover. We don’t know what codes as a purchase or cash advance.

Fidelity Bank (PA)

You can fund up to $500 with a credit card (doesn’t matter how many accounts you open $500 is the limit). You can use Visa, Mastercard, American Express or Discover. The following code as a purchase:

Citi: Double cash: 1



Firefly Credit Union

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

First Advantage Bank

No longer accepting credit card payments according to this.

You can fund up to $15,000 with a credit card (looks like the limit might be $100,000 total). You can fund with Discover, Mastercard & Visa. The following codes as a purchase:

Bank of America: Merrill+1: 1,

Barclays: Wyndham: 1,

Chase: 1, AARP: 1, British Airways: 1, Freedom: 1, 2, Ink Business: 1, 2, 3, Sapphire Preferred: 1, Sapphire Reserve: 1, Southwest Plus: 1,

Citi: Double cash: 1, ThankYou Premier: 1,

Discover: 1

Merrill: 1,

USAA: Limitless: 1,



The following coded as a cash advance:

First American Bank

You can fund up to $500 for each account (e.g $1,000 total between checking & savings). The following codes as a purchase:

Citi: Double cash: 1, 2,



First Bank (VA)

You can fund up to $1,000 with a credit card, we currently don’t know what does/doesn’t code as a cash advance.

FirstBank

Can fund up to $600 with a credit card, must go in branch or call in to use this funding option.

Things that post as a purchase:

Chase: Freedom Unlimited: 1, 2

Citi: Doublecash: 1



The following coded as a cash advance:

U.S. Bank: Club Carlson: 1



First Citizen’s Bank

You can fund your first citizen’s bank account up to a maximum of $1,000. The following don’t count as a cash advance:

Bank of America: Business Advantage Cash Rewards: 1,

Barclay Card Sallie Mae: 1

Chase Freedom: 1, Chase Sapphire Preferred: 1, 2, 3, United Business: 1,

Citi: American Airlines business: 1, 2, Double cash: 1,



First Federal Bank

You can fund up to $500 with a credit card. Only Visa & Mastercard are accepted. The following code as a purchase:

Chase: Sapphire Preferred: 1, 2

Citi: Double cash: 1, 2

Fidelity Visa: 1

U.S. Bank: 1

First Federal Bank of Kansas City

Can fund up to $1,000 with a Visa/Mastercard/Discover.

First Flight Credit Union

Can fund up to $500 with a credit card.

First Home Bank

Can fund up to $1,500 with a credit card. The following code as a purchase:

Capital One: Spark: 1,



First Horizon Bank

Can fund up to $50 with a credit card. 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 purchase:

No data points

First Internet Bank of Indiana

Can fund up to $500 with a credit card.

First-Lockhart National Bank

You can fund up to $2,000 with a credit card. The following code as a purchase:

Synchrony: Paypal business: 1,



First Mark Credit Union

Update: According to this comment this has been reduced to only $100. Possibly $0 now?

You used to be able to initially fund up to $10,000 using a credit card, only Visa & Mastercard are accepted. They place a two week hold on all transactions above $100. This is semi old information so we’re not sure if it’s still accurate: 1, 2 The following didn’t count as a cash advance:

The following count it as a cash advance:

First Merchants Bank

No longer offers credit card funding.

You can fund up to $250 with a credit card. You can use Visa or Mastercard. The following coded as a purchase:

Bank of America: Merrill+: 1

Barclaycard: Aviator Red: 1

Capital One: Venture: 1

Chase: Freedom Unlimited: 1 Chase Sapphire Reserve: 1



First MidWest Bank

You can fund up to $2,500 with a credit card, no American Express cards. The following coded as a purchase:

Bank of America: Virgin Atlantic: 1

Barclaycard: Arrival: 1, 2

Chase: Fairmont: 1 Hyatt: 1 Sapphire Reserve: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10

Citi: Platinum: 1,



First Merit Bank

First Merit has now merged with Huntington Bank.

You can fund with a credit card up to $10,000 (only Visa & Mastercard). At the moment we are unsure what does and doesn’t count as a cash advance, share your experiences in the comments. Doesn’t count as a cash advance:

Chase Sapphire Preferred: 1 (codes as cash advance now? 1)

Citi: AA Platinum: 1, 2



Following code as cash advance:

Chase: Sapphire Reserve: 1, 2

Barclaycard: 1 (via e-mail)

First National Bank

Can fund up to $50 with a credit card. You can use all payment networks (including American Express).

American Express: Everyday: 1 Mercedes Benz Platinum: 1

Chase: United: 1

U.S. Bank Cash+: 1

First National Bank and Trust Company

Can fund up to $100 with a credit card. You can use all payment networks.

First Niagara

First Niagra allows credit card funding up to $1,000. They do not allow funding from American Express cards (1). They will also only give you one chance to fund the account. The following don’t count as a cash advance:

Bank of America: Alaska Airlines: 1https://www.doctorofcredit.com/ct-ma-pa-ny-first-niagara-200-checking-bonus/#comment-229199 Travel Rewards: 1

Barlcay Arrival 1, 2

Chase Cards (looks like it originally posts as cash advance and then goes to purchase (1): Chase sapphire preferred: 1 Chase Freedom: 1, 2, 3, 4 (looks like it now codes as cash advance: 1, 2, 3, 4) Chase Southwest Visa: 1

(looks like it originally posts as cash advance and then goes to purchase (1): Capital One Venture: 1, 2, 3 (now looks to be cash advance, Capital One Spark business was on March 23rd, 2016)

(now looks to be cash advance, Capital One Spark business was on March 23rd, 2016) Capital One Mastercard: 1

US Bank: 1

The following do count as a cash advance:

Barclaycard: Aviator: 1

Chase: IHG: 1

All Citi cards: 1, 2

Discover: 1, 2

Firstrust Bank

Can fund up to $500 with a credit card. The following code as a purchase:

Bank of America: Alaska: 1,

Chase: Freedom Unlimited: 1, 2, Ink Unlimited: 1,

Citi: 1,

First State Bank Of Illinois

Can fund up to $2,000 with a credit card. The following code as a purchase:

Chase Ink Unlimited: 1,

Fidelity Visa: 1

First State Community Bank

You can fund up to $2,000 with a credit card. Visa, Mastercard & Discover are accepted The following code as a purchase:

Chase Fairmont: 1

Wells Fargo: Cashwise: 1



First Tennessee

You can fund up to $300 $50 with a credit card, the following do not count as a cash advance:

Bank of America: Business Alaska: 1 Business cash: 1 Premium Rewards: 1,

Barclaycard: Arrival Plus: 1 NFL: 1,

Capital One: Venture: 1

Chase: 1 Freedom: 1, 2, 3, 4 Freedom Unlimited: 1, 2, Hyatt: 1, 2 Sapphire Preferred: 1, 2, 3, 4, 5, 6, Sapphire Reserve: 1, 2 Southwest Premier: 1 Southwest: 1 Ink Plus: 1, 2 Ink Preferred: 1, 2 United: 1

Citi: Business AA (didn’t actually post as cash advance, just didn’t work): 1 (2, posted as a purchase) Double cash: 1, 2, 3, 4, 5, 6, 7, 8 Premier: 1 Prestige: 1, 2

U.S. Bank: Fidelity: 1

Wells Fargo: Platinum: 1



Counted as a cash advance:

First United Bank

You can fund up to $200 with a credit card. They accept Visa, Mastercard & Discover (no American Express). The following codes as a purchase:

Fitness Bank

Can fund up to $2,500 (reduced to $100) with a credit card.

Flagship Bank

Can fund up to $100 with a credit card. Visa & Mastercard accepted. The following code as a purchase:

Chase: Freedom Unlimited: 1,



Florence Bank

Credit card funding is no longer possible

You can fund up to $500 with a credit card. The following code as a purchase:

Fremont Bank

You can fund up to $100 with a credit card. The following code as a purchase:

Alliant: 1,

Citi: Double cash: 1,



Fulton Bank

Can fund up to $500 with a credit card or $1,000 with a debit card. The following code as a purchase:

Bank of America: Premium Rewards: 1,

Chase Freedom Unlimited: 1,



Gesa Credit Union

Allows credit card funding, no idea on limits or what counts as a cash advance/purchase.

Greater Nevada Credit Union

Can fund up to $5,000 with a credit card. The following code as a purchase:

Bank of America Premium rewards: 1, Travel Rewards: 1,

Chase: Freedom Unlimited: 1, 2,



The following code as a cash advance:

Great Southern Bank

Can fund money market up to $5,000. The following codes as a purchase:

Barclays: Arrival: 1, Cash forward: 1,

Chase: Freedom: 1, Ink Business Unlimited: 1,

Citi: Double cash: 1,



Great Western Bank

Funding reduced to $1,000 now.

Allows up to $3,500 in credit card funding. They allow Visa, Mastercard & American Express funding. The following code as a purchase:

American Express: SPG Business: 1 Business Gold Rewards: 1 (e-mail on 3/28/18)

Citi: American Airlines: 1



Grow Financial Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

GTE Federal Credit

Limit is $5,000 for certificates and $500 for checking/savings.

Limited to $500 now?

Update: Apparently limited to $215 now? Now back to $5,000

Up to $5,000 can be funded with a credit card, this can also be done for certified deposits. The following don’t count as a cash advance:

Alliant: 1

Bank of America: 1,

Barclays: Priceline: 1,

Chase: 1 Chase Ink Preferred: 1 Chase Sapphire Reserve: 1, Southwest: 1 United: 1,

Citi: AA Business: 1



The following code as a cash advance:

U.S. Bank Altitude Reserve: 1,

HarborOne Bank

You can fund up to $500 with a credit card. The following code as a purchase:

Bank of America: Cash Rewards: 1,

Chase: Hyatt: 1, Sapphire Reserve: 1

Citi: American Airlines Business: 1 ATT Access More: 1



Harborstone Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

Bank of America: Cash Rewards: 1,



Hawthorn Bank

Can fund up to $2,000 with a credit card. Can fund with Visa, Mastercard & Discover.

Heritage Bank

No longer allows credit or debit card funding.

You can fund up to $1,500 with a credit card. The following codes as a purchase:

Chase Freedom Unlimited: 1, 2,

Consumer Credit Union: 1,

Discover: 1,

Fidelity: 1,

Hiway Federal Credit Union

Can fund up to $3,000 with a credit card. The following code as a purchase:

Chase: Freedom: 1, Sapphire Preferred: 1,



Honor Credit Union

According to this comment you need to pay a $15 fee and you can fund ‘any amount of money’ over the phone. They successfully funded $2,500 with a Chase Ink card.

Horizon Credit Union (WA, ID, MT)

Can fund up to $500 with a credit card. The following code as a purchase:

IBERIABANK

Can fund up to $500 with a credit card. The following code as a purchase:

IBM Southeast FECU

You can fund up to $1,500 with a credit card.

Ideal Credit Union

Update: New limit is only $500 (I think per account so should be $1,000 total but not 100% sure) You can fund up to $2,000 with a credit card (American Express, Discover Mastercard or Visa. Note $2,000 is the limit across all accounts).

Codes as a purchase:

American Express: 1 SPG Business: 1 (e-mail on September 4th, 2016)

Citi: Double cash: 1



InRoads Credit Union

Can fund up to $500 with a credit card. Unsure what counts as a purchase currently.

Interior Federal Credit Union

Can fund up to $750 with a credit card. Visa or Mastercard only.

JSC Federal Credit Union

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

No data points

Justice Federal Credit Union

You can fund up to $1,000 with a credit card. They accept Visa & Mastercard. The following code as a purchase:

Chase Freedom: 1 Sapphire Preferred: 1



KeyBank

You can do initial funding of up to $100 with KeyBank The following don’t count as a cash advance (note it might initially code as cash advance and then revert to a purchase):

Bank of America: Alaska Airlines: 1, 2

Barclaycard: 1 Aviator: 1

Chase Amazon: 1 Chase Freedom: 1, 2, 3 Freedom Unlimited: 1, 2, Ink Unlimited: 1, Chase Sapphire Preferred: 1, 2, Chase Sapphire Reserve: 1 , 2, 3, 4 (coded as a cash advance), Southwest: 1, 2, 3

Citi: American Airlines: 1 (business) Double cash: 1, 2, Premier: 1

Citizens CashBack Plus World Mastercard: 1

U.S. Bank: Fidelity Visa: 1 FlexPerks Visa: 1



KeyPoint Credit Union

Can fund up to $3,000 with a credit card. The following code as a purchase:

Bank of America: 1,

Chase: Sapphire Reserve: 1, 2,

U.S. Bank: Altitude Reserve: 1,



KS State Bank

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

Citi Doublecash: 1

Lafayette Federal Credit Union

Can fund up to $2,000 when you join, $750 when opening a new account. The following code as a purchase:

Citi: Double cash: 1,



Lakeland Bank

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

No data points

Lake Michigan Credit Union (LMCU)

You can do initial funding of up to $15,000 with LMCU. Update: Funding is now limited to just $50. You can only fund with a Visa or MasterCard, no American Express. The following don’t count as a cash advance:

Capital One: Venture: 1

Bank of America: 1, 2, 3

Barclay Arrival: 1

Chase Sapphire Preferred: 1, 2 Sapphire Reserve: 1 Southwest: 1

Citi: 1, 2, 3, 4, 5 Double cash: 1,



Liberty Bank

You can fund up to $500 with a credit card. The following code as a purchase:

Capital One: Spark: 1 Venture: 1,

Chase: IHG: 1 Ink Preferred: 1, Sapphire Preferred: 1, Southwest Plus: 1,

Fidelity: 1

Los Angeles Federal Credit Union

Can fund up to $500 with a credit card (limit is applied across both savings & checking accounts). The following code as a purchase:

Chase Southwest Business: 1



Macatawa Bank

Can fund up to at least $900, maybe more. The following code as a purchase:

Citi: Double cash: 1,

USAA: 1

Mainstreet Credit Union

You can fund up to $505 with a credit card. The following code as a purchase:

Chase: 1,

Citi: Double cash: 1



The following code as a cash advance:

Mazuma Credit Union

You can fund up to $5,000. The following code as a purchase:

Alliant: Cash Visa Signature: 1,

Capital One: Spark: 1,

Chase: Sapphire Reserve: 1,

Citi: Double cash: 1, 2,

Merrill Lynch: 1, 2,

Didn’t work/cash advance:

Members Cooperative Credit Union

You can fund up to $250 with a credit card. Visa & Mastercard accepted. The following code as a purchase:

Chase: Freedom Unlimited: 1



Memory Bank

You can fund up to $1,000 with credit card. Visa, MC, Amex, or Discover. The following code as a purchase:

Alliant: 1, 2,

American Express: Blue Business Plus: 1 Blue Cash Preferred: 1, Delta Gold: 1, Delta Reserve: 1 Platinum: 1 SPG Business: 1

Bank of America: Premium Rewards: 1, Travel Rewards: 1

Barclaycard: Arrival: 1 Aviator: 1

Capital One: Savor: 1, Spark: 1

Chase: AARP: 1 Disney: 1, Hyatt: 1, 2, IHG: 1, Ink Preferred: 1, Sapphire Preferred: 1, 2, Sapphire Reserve: 1, Freedom: 1 Freedom Unlimited: 1 Marriott Business: 1, Southwest Business: 1, Southwest Premier: 1, 2, United business: 1,

Citi: AA: 1 Double cash: 1, 2, 3, 4, Premier: 1, Prestige: 1, Simplicity: 1,

Discover: 1

USAA: Limitless: 1,

Wells Fargo: Business Platinum: 1, 2, 3, Cash Wise: 1,



Meriwest Credit Union

You can fund up to $500 with a credit card (plus the $5 membership fee). The following code as a purchase:

Citi: 1, Double cash: 1,



Michigan Schools and Government Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

Citi: Double cash: 1,



Mid-Hudson Valley Federal Credit Union

Can fund up to $100 (checking) or $105 (savings) the following coded as a purchase:

Bank of America: Premium Rewards: 1,



MinnWest Bank

Can fund up to $500 with a credit card.

MIT Federal Credit Union

You can fund up to $500 (you can fund both savings checking account with $500 each). The following codes as a purchase:

Chase: Ink Preferred: 1



Mountain America Credit Union

You can fund with a credit card but a 2.5% fee is charged ($4.95 flat fee for debit cards). No idea on limits with either.

MountainOne Bank

You can fund up to $1,000 with a credit card. The following don’t count as a cash advance:

Citi: AA Platinum: 1

Discover: 1

The following do count as a cash advance:

Montgomery County EFCU

You can fund up to $500 with a credit card. The following code as a purchase:

Morrill & Janes

You can fund up to $2,000 with a credit card. The following code as a purchase:

Chase Marriott: 1,

Wells Fargo: Business Platinum: 1,



M&T Bank

Can fund up to $250 with a credit card. The following code as a direct deposit:

Citi: Double cash: 1,



NASA Federal Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

Citi Doublecash: 1

Nassau Financial Federal Credit Union

You can fund up to $500 with a Visa or Mastercard credit card.

NorthPointe Bank

Apparently they no longer allow credit card funding.

The following code as a purchase:

Barclaycard: American Airlines: 1 JetBlue: 1

Chase: Freedom: 1, 2,

Citi American Airlines: 1 Doublecash: 1



My NorthWest Savings Bank

You can fund up to $1,000 with a credit card as your initial deposit: 1 The following don’t count as a cash advance:

American Express: Business Platinum: 1 Everyday: 1 Premier Rewards Gold: 1 SPG: 1

Bank of America: Business cash rewards: 1,

Barclaycard Arrival: 1, 2, 3, Priceline Visa: 1

Chase: IHG: 1 Southwest: 1 Southwest business: 1,

Citi: Double Cash: 1



The following coded as a cash advance:

Chase: Ink Cash: 1, Ink Preferred: 1,



Navy Federal Credit Union

Can fund up to $250 with a credit card (Visa, Mastercard or Discover). Following code as purchase:

Newtown Savings Bank (NSB)

Can fund up to $1,000 $25 with a credit card. The following code as a purchase:

Northeast Credit Union

Can fund up to $1,000 with a credit card per account (e.g checking + savings = $2,000). The following codes as a purchase:

Chase: Sapphire Reserve: 1

Citi: Double cash: 1,2,



North Shore Bank of Commerce

You can fund up to $5,000. Visa & Mastercard are accepted. The following code as a purchase:

Barclays: Arrival: 1,

Chase: Ink Preferred: 1,

USAA: Limitless: 1,



Northwest Federal Credit Union

Can fund up to $520 with a credit card. Visa Mastercard and maybe Discover are accepted, American Express is definitely not accepted. The following code as a purchase:

Capital One: Quicksilver: 1,



NuVision Federal CU

You can fund up to $500 with a credit card, we don’t have any data points on what does/doesn’t code as cash advance.

Ocean Financial Bank

Can fund up to $100 with a credit card.

OceanFirst Bank

You can fund up to $100 with a credit card (1, 2). The following code as a purchase, not a cash advance:

Bank of America: 1

Chase: 1 Marriott Business: 1 Sapphire Preferred: 1, 2 Sapphire Reserve: 1, 2, 3, 4

Citi AA: 1, 2

Discover: 1,

Santander credit card: 1

Old National Bank

You can fund up to $500 with a credit card. They accept American Express, Visa & Mastercard. The following code as a purchase:

Bank of America: 1,

Barclaycard: Arrival Plus: 1

Chase: Ink Preferred: 1 Sapphire Reserve: 1, Southwest Plus: 1

Citi: American Airlines Business: 1, 2, Double cash: 1, 2, 3, 4, 5, 6,

U.S. Bank Altitude Reserve: 1, 2,



OnPoint Community Credit Union

Can fund up to $500 with a credit card

Option 1 Credit Union

You can fund at least $750, maybe more.

The following code as a purchase:

Chase Sapphire: 1

Orange County’s Credit Union

You can fund this account with up to $500 with a Visa or Mastercard (previously $5,000). The following code as a purchase:

Capital One: Spark: 1

Chase: British Airways: 1 Freedom Unlimited: 1,

Citi: AA: 1 Access More: 1 Double cash: 1, 2 Hilton Reserve: 1

Comenity: Cathay Pacific: 1



The following coded as a cash advance:

Bank of America: 1

Chase Sapphire Reserve: 1

Elan: Fidelity Visa: 1



Penn Community Bank

Can fund up to $500 with a credit card ($500 for checking & $500 for savings). They accept Discover & Mastercard. The following code as a purchase:

Chase: Ink Unlimited: 1,



PenFed

You can fund up to $500 (now $100) (now back to $500) (now down to $50) with a credit card, the following code as a purchase:

American Express: Every Day: 1, SPG: 1,

Bank of America: 1, Business Cash: 1, 2, Premium Rewards: 1,

Capital One: Spark cash: 1,

Chase: Freedom: 1, Hyatt: 1, IHG: 1, Ink Preferred: 1, Ink Unlimited: 1, 2, Sapphire Preferred: 1 (via e-mail, May 25th, 2016), 2, 3, Southwest Premier: s,

Citi: Double cash: 1, 2, 3, 4, Premier: 1,

Paypal Extra Mastercard: 1,

USAA: 1,

U.S. Bank Altitude Reserve: 1



PeoplesBank (Bankatpeoples)

It’s possible to fund with a credit or debit card, you can fund up to $500 for each application (e.g if you open checking & savings at the same time it’s a $500 max. But you could open them separately and fund $500 each time). This is despite the funding page saying the limit is $1,000.

American Express: Platinum: 1,

Chase: Freedom Unlimited: 1

Citi: AT&T Access More: 1,

Discover: it Miles: 1



Peoples Credit Union

You can fund up to $2,505 with a credit card. Mastercard & Visa are accepted.

Pinnacle Bank

Update: They have limited credit card funding to $1,000

There is no limit mentioned on the funding page, we know you can fund at least $4,500 but it could possibly be a lot more. Update: somebody has reported that the maximum limit is $5,000, when you try to fund more it states: “initial deposit must be less than or equal to $5000”. You can only use Visa or Mastercard, no American Express or Discover. The following code as a purchase:

Bank of America: Virgin Atlantic: 1

Capital One: 1 Spark Business: 1 Venture: 1

Chase AARP: 1, 2 Freedom Unlimited: 1 Hyatt: 1 Ink: 1, 2 Marriott: 1, Ritz-Carlton: 1 Sapphire Preferred: 1, 2, 3, 4 United: 1, 2

Citi American Airlines Business: 1 Double cash: 1 Hilton: 1, 2 Premier: 1

Fidelity: 1, 2

PlainsCapital Bank

Unknown amount can be funded.

Premier America Credit Union

The amount you can fund depends on what product you open (checking and savings have a maximum of $500 each). Cannot be funded with an American Express card The following code as a purchase:

Chase Sapphire Reserve: 1



Premier Members Credit Union

Can fund up to $500 across all accounts with a Visa or Mastercard. The following codes as a purchase:

Bank of America: Cash rewards: 1,

USAA: 1,

ProFed

Can fund up to $1,300 with a credit card. The following code as a purchase:

Capital One: Savor: 1,



Provident Bank

No longer allowed? Or reduced to $30?

You can fund up to $2,500 with a Visa or Mastercard. The following code as a purchase:

Bank of America: Premium rewards: 1, 2,

Capital One: Quicksilver: 1 Spark: 1,

Chase: Ink Preferred: 1, Marriott Business: 1, 2, United: 1

Citi: Double cash: 1



The following code as a cash advance:

Chase: Freedom Unlimited (seemed to cause a fraud alert): 1 Sapphire Reserve (didn’t actually process as cash advance, just didn’t work): 1



Provident Credit Union

You can fund up to $5,000 $1,000 with a credit card. Only Mastercard & Visa are accepted, no AmEx. Apparently all mastercard purchases will be treated as a cash advance: 1, 2 (update, this no longer seems to be the case as a Barclaycard Arrival code as purchase). The following don’t count as a cash advance:

Barclaycard: Arrival+: 1

Chase 1, 2 Chase sapphire preferred: 1

Citi: Premier: 1,



Quorum Federal Credit Union

No longer allows credit card funding

You can fund up to $2,500 with a Visa or Mastercard. The following code as a purchase:

Bank of America: Merill+: 1

Barclaycard: Arrival+: 1, 2,

Capital One: Spark Miles: 1, 2 (sent via -mail on 12/19/17)

Chase Freedom Unlimited: 1 Ink Preferred: 1 United: 1 Ritz-Carlton: 1 Sapphire Reserve: 1

Citi: American Airlines: 1, 2 Double cash: 1



Radius Bank

No longer allows any credit card funding

There is no pre set limit on how much you can fund with radius bank. You can also fund whenever you open a new account (e.g opening a savings & checking account will let you fund twice). It’s not possible to fund with an American Express card, only Visa or MasterCard. We know you can fund up to at least $17,000. Looks like this is now over and the maximum you can fund is $1,000. One DP says that funding doesn’t work at all any longer.

Bank of America: Cash Rewards: 1 Merrill: 1

Chase: AARP: 1 Hyatt: 1, 2, Ink Preferred: 1, 2, Sapphire Reserve: 1

Citi Double Cash: 1 Hilton: 1

Barclaycard: Wyndham: 1

Priceline card: 1

U.S. Bank: Altitude Reserve: 1



Randolph-Brooks Federal Credit Union (RBFCU)

Up to $1,000 with a Visa or Mastercard. Unknown what codes as a purchase.

Redstone Federal Credit Union

Unknown credit card funding amount. The following code as a purchase:

Unknown

The following code as a cash advance:

Reliant Community Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

Regions Bank

Looks like the maximum is now $500 $1,000 instead of $100

It’s possible to fund up to $100 with a credit card. It’s also possible to open up a free savings account and also fund this with a credit card for another $100 (we don’t believe this will result in another chex system inquiry and no hard pull will be done). Only Visa is accepted. The following code as a purchase:

Barclaycard: Arrival: 1, 2, 3

Capital One: Venture: 1

Chase: British Airways: 1 Freedom Unlimited: 1 Hyatt: 1 Ink cash: 1, Ink Plus: 1 (via e-mail on February 5th, 2016) Ink Preferred: 1 (coded as 3x), 2 (didn’t work), 3, Marriott: 1 Sapphire Preferred: 1 (with CA set to $0 didn’t go through: 1), 2, 3 (didn’t go through due to cash advance limit set to $0) Sapphire Reserve: 1 2, 3, 4, Southwest: 1, 2 United: 1,

Citi: AA: 1, 2, 3 AA business: 1 Double cash: 1, 2,

Commerce Bank: Special Connections: 1

Elan: Fidelity: 1

SunTrust: Platinum Elite: 1

USAA: Limitless: 1 Preferred: 1,

Wells Fargo: Cash wise: 1 Platinum: 1,



Coded as a cash advance:

Bank of America: Merrill: 1 (declined due to fraud alert)

Barclays: Uber: 1 (in branch)

Citi: 1 (didn’t actually code as a cash advance, just didn’t process with $0 cash advance limit set)

Republic Bank

Can fund up to $500 with either a Visa or Mastercard.

Following codes as a purchase:

Rivermark Community Credit

Can fund up o $3,505 with a credit card. The following code as a purchase:

Chase: Sapphire Preferred: 1, United: 1,



Rockland Trust Bank

You can fund up to $2,000 with a credit card (Visa, Mastercard, American Express & Discover are accepted). The following code as a purchase:

American Express: Hilton Aspire: 1, Platinum: 1,

Barclaycard: Arrival Plus: 1,

Chase: Chase Ink Preferred: 1, Sapphire Preferred: 1,

Citi: AA Platinum: 1 Premier: 1,



Royal Credit Union

Can fund up to $1,000 with a Visa or Mastercard (limit of $1,000 per account). The following code as a purchase:

Alliant: 1,

Barclays: Arrival Plus: 1,

Chase: Freedom Unlimited: 1, Hyatt: 1, Ink Preferred: 1,

Citi: American Airlines: 1, Double cash: 1,



Sacramento Credit Union

You can fund up to $500 with a credit card. The following code as a purchase:

SAFE Credit Union

Can fund up to $250 with a credit card. The following code as a purchase:

Bank of America: Premium: 1,

BBVA: 1,

Chase: Ink Unlimited: 1,

Citi: Double cash: 1,



San Diego Credit Union (SDCCU)

You can fund up to $50 with a credit card. The following code as a purchase:

Chase: Sapphire Reserve: 1



Sandy Spring Bank

You can fund up to $250 with a credit or debit card. Only Visa & Mastercard are accepted.

Bank of America: Premium Rewards: 1,

Chase: Freedom: 1, Freedom Unlimited: 1

Citi: AA: 1, 2, Double cash: 1, 2,



San Mateo Credit Union

New limit of $500? Confirmed.

Can fund up to at least $3,000 $500 with a credit card. The following codes as a purchase:

Chase: Ritz-Carlton: 1 Sapphire Preferred: 1,



Seacoast Bank

You can fund up to $1,000 $100 with a credit card. The following don’t count as a cash advance:

Bank of America: Alaska Airlines: 1 Cash Rewards: 1

Chase: British Airways: 1 Marriott: 1 Sapphire Preferred: 1 Southwest: 1,

Citi: Premier: 1



The following do:

Security Plus

Can fund up to $500 with a credit card. The following count as a purchase:

Citi AA: 1

Service Credit Union

Can fund up to $249 with a credit card. The following code as a purchase:

Citi: Double cash: 1, 2, 3, 4, Premier: 1,

Wells Fargo: 1,

The following coded as a cash advance:

Capital One: 1, Quicksilver: 1,

Chase: 1, Hyatt: 1,

Synchrony: Paypal: 1,



Signature Bank of Georgia

Apparently no longer allows credit card funding of any sort.

You can fund with Visa, Mastercard or Discover. Up to $5,000 $1,500 now. The following codes as a purchase:

Bank of America: Merrill+: 1, 2

Chase: Freedom: 1. 2, 3 Freedom Unlimited: 1, 2

Citi: Hilton: 1



Signature Federal Credit Union

You can fund $2,000.

The following code as a purchase:

Alliant: 1,

Bank of America Merrill+: 1

Chase Freedom: 1 Chase Sapphire Reserve: 1 Marriott Business: 1,

Synchrony: Stash Hotel: 1



The following coded as a cash advance:

SkyOne Federal Credit Union

Can fund up to $12,000 with a credit card (reduced to $500?). The following code as a purchase:

Barclays: Cash Forward: 1,

Citi: Double cash: 1,

USAA: 1,

Sound Credit Union

Cannot fund with a credit card, can use paypal to fund up to $3,000.

South State Bank

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

Citi: Double cash: 1,

Navy Federal: American Express: 1,



S&T Bank

You can fund up to $5,000 $100 with a Visa or Mastercard. We don’t have any current data points on what does/doesn’t code as a cash advance.

Star One Credit Union

No longer an option to fund with a credit card.

You can fund up to $1,000 with a credit card (Visa, American Express, Mastercard & Discover accepted). The maximum is $1,000 across both checking & savings. The following code as a purchase:

American Express: Business Gold Rewards: 1, Hilton Business: 1,

Barclaycard: Arrival: 1

Capital One: Quicksilver: 1,

Chase: 1 British Airways: 1 Chase Sapphire Preferred: 1, Chase Sapphire Reserve: 1 Freedom Unlimited: 1, Ink Unlimited: 1, Southwest: 1

Citi: Double cash: 1,

Wells Fargo: Propel: 1,



Codes as a cash advance:

Citi: ThankYou Premier: 1



State Bank Of India (California)

No longer possible

Can fund up to $1,000 with a Visa or Mastercard. The following code as a purchase:

Bank of America: Premium Rewards: 1, 2,

Barclays: Arrival+: 1, 2,

Chase: Ink cash: 1, 2, Ink Unlimited: 1,

Citi: American Airlines: 1, ThankYou Preferred: 1,

NFCU: Flagship Rewards: 1,

Wells Fargo: Business Platinum: 1,



State Department Federal Credit Union

Can fund with a debit, credit card (up to $500) or paypal (up to $10,000) Paypal no longer an option apparently.

State Employees Credit Union (SECU) Of Maryland

You can use a Visa, Mastercard or Discover to fund (no American Express) unsure on limit but at least $200. The following code as a purchase:

Chase: Freedom: 1 (via e-mail on July 31st, 2016)

Citi: Double cash: 1



St Mary’s Credit Union

You can fund with a credit card, up to a limit of $250. We don’t have any data points on what does/doesn’t code as a cash advance.

St Paul Federal Credit Union

You can fund up to $1,000 for both checking & savings. Mastercard or Visa. Currently no datapoints on what codes as a purchase or cash advance.

Suffolk Federal Credit Union

You can fund $5-$1,000 with a credit card (Visa, Mastercard or Discover).

The following code as a purchase:

The following code as a cash advance:

Bank of America: Cash rewards: 1



Sun East Federal Credit Union

You can fund up to $550 with a credit card. The following don’t count as a cash advance:

Barclaycard Arrival+: 1

Chase Freedom: 1

Citi Hilton: 1

The following do count as a cash advance:

Discover

SunTrust

You can fund up to a maximum of $1,000 with a credit card (now $250). Chase is unusual as it looks like it’ll originally post the funding as a cash advance and then this will change to a purchase (1, 2, 3) Update: others are reporting it stays as a cash advance: 1. Obviously YMMV. SunTrust represenatives have also stated it will take up to 7 business days for the credit card funding to go through. The following don’t count as a cash advance:

Barclaycard Priceline Visa: 1

Citi: 1 (now codes as cash advance according to reader via e-mail), 2

NFCU: 1

The following do count as a cash advance:

Barclaycard AA: 1 Arrival: 1, 2, 3, US Airways: 1

Bank of America: 1

Capital One: 1

Chase:

Citi: American Airlines: 1, Double cash: 1 Hilton: 1



TCF Bank

Update: Funding has now been reduced to $100

You can fund up to $1,000 with a credit card (max is $1,000 for checking & at least $1,000 for savings) Only Visa & Mastercard is accepted. The following post as a purchase:

Alliant: 1,

Barclaycard: Arrival: 1, 2, 3,

Chase: British Airways: 1 Hyatt: 1 Ink Preferred: 1 Freedom: 1 Freedom Unlimited: 1 Sapphire Preferred: 1, 2, 3, 4, 5, Southwest: 1

Citi: American Airlines: 1 Double cash: 1, 2,

Discover: 1, 2, 3,

U.S. Bank: Altitude Reserve: 1 Fidelity: 1, 2,



TD Bank

Can be funded with a credit card up to $300 $1,00 in initial funding. The following count as a purchase:

Bank of America: Business Cash: 1 (cash advance) Cash Rewards: 1, 2 (now cash advance: 1) Alaska Business: 11

Capital One Quicksilver: 1, 2 (3, didn’t process with $0 cash advance limit). Warning, looks like this codes as a cash advance now.

(3, didn’t process with $0 cash advance limit). Warning, looks like this codes as a cash advance now. Chase: (looks like it might revert to purchase after originally coding as cash advance (1, 2, 3, 4, 5, 6, 7) Sapphire Reserve: 1

Citi (now codes as cash advance?) AA: 1 Hilton Honors Visa: 1

Fidelity: Visa: 1, 2,

U.S. Bank Cash+: 1, FlexPerks: 1

Wells Fargo: 1

The following count as a cash advance:

Bank of America: Alaska business: 1 (transaction didn’t go through) Business cash: 1,

Capital One Spark business: 1 (update: on October 29th 2015 a reader let us know this is no longer the case) 1

Chase (looks like it might revert to purchase after originally coding as cash advance (1, 2, 3, 4, 5, 6): Freedom Unlimited: 1 IHG: 1 (didn’t revert to purchase) Ink Cash: 1 Ink Plus: 1, Marriott Business: 1 Sapphire Preferred: 1, 2, Sapphire Reserve: 1, 2 United: 1

Barclays Arrival: 1, 2 Cash Forward: 1

Citi AA Platinum: 1, 2 Double Cash: 1, 2 Expedia: 1, ThankYou Premier: 1

Gift Card: Visa from GCM: 1



TDECU

Can fund up to $2,500 per account with a credit card ($7,500 total across 3 accounts). The following code as a purchase:

American Express: Marriott Business: 1,

Barclay Arrival Plus: 1,

Chase: Sapphire Preferred: 1,



Teachers Credit Union

Can fund up to $2,500 with a Visa or Mastercard

Tech Credit Union

Can be funded with a credit card up to $125 (across all accounts), Visa, Mastercard, Amex or Discover. The following count as a purchase:

Amex Everyday: 1

Bank of America: Alaska: 1 Cash rewards: 1

Capital One: 1 Business Spark: 1

Citi AAdvantage: 1, 2, Double Cash: 1, 2, 3https://www.doctorofcredit.com/does-funding-a-bank-account-with-a-credit-card-count-as-a-purchase-or-cash-advance/#comment-277546 Citi Prestige: 1, 2

Chase Freedom: 1, 2, British: 1 Hyatt: 1 Marriot: 1 Ink Plus: 1 Sapphire Preferred: 1, 2 Sapphire Reserve: 1 Southwest: 1, 2, 3

Barclay Arrival: 1 Wyndham: 1

US Bank: Club Carlson: 1



Codes as a cash advance:

The State Bank Group

Can fund up to $5,000 with a Visa, Mastercard, American Express or Discover. The following code as a purchase:

Chase: Sapphire Preferred: 1, 2,

Citi: Double cash: 1, Premier: 1,

Discover it: 1,

Tompkins VIST Bank

You can fund up to $500 with a credit card. We don’t know what codes as a purchase or cash advance:

Tower Federal Credit Union (TFCU)

You can fund up to $500 with a credit card. The following code as a purchase:

Chase Sapphire Reserve: 1

TruMark Financial

You can fund up to $2,000 with a Visa, Mastercard, Discover or American Express. The following post as a purchase:

Chase: 1 (currently pending) Sapphire Preferred: 1,

Citi: Double cash: $100 for total recurring direct deposits of at least $500.

2) $50 for enrolling in eStatements.,



TruStone Financial

Can fund up to $2,000 with a credit card. Visa & Mastercard are accepted. The following code as a purchase:

Barclays: Arrival+: 1,

Chase: IHG Premier: 1,

Citi Double cash: 1, 2,



TruWest Credit Union

Allows credit card funding up to $5,000. Only Visa & Mastercard accepted. The following code as a purchase:

UFB Direct

There is a $100 limit.

The following don’t count as a cash advance:

Barclaycard Lufthansa: 1



Umpqua Bank

You can fund up to $2,000 with a Visa or Mastercard. The following code as a purchase:

Bank of America: Alaska: 1, 2,

Chase Freedom Unlimited: 1, 2, 3, Southwest business: 1,

Citi: Access more: 1, Double cash: 1, 2, Premier: 1, 2,

Fidelity: 1,

U.S. Bank Altitude Reserve: 1, Flexperks: 1,

Wells Fargo: Cashwise: 1,



The following code as a cash advance:

Citi: American Airlines: 1, American Airlines business: 1,



Unify Financial Credit Union

Can fund up to $25 with a Visa, Mastercard or Discover credit card. The following code as a purchase:

Chase: Freedom: 1, Ink cash: 1,

Citi: Double cash: 1,



Union Bank & Trust

This is now called Atlantic Union Bank.

You can fund up to $1,500 with a credit card (will say debit card but credit works). The following code as a purchase:

American Express: SPG: 1, 2

Bank of America: Alaska: 1, Amtrak: 1,

Barclaycard: Aviator: 1 JetBlue: 1,

Chase Double cash: 1, Sapphire Preferred: 1, Southwest: 1, 2,

Citi: Double cash: 1,

NFCU: Flagship: 1,



Union Bank & Trust (NE & KS)

Can fund up to $500 with a Visa, Mastercard or Discover.

University of Wisconsin Credit Union

Can fund up to $500 with a credit card.

United Bank

You can fund with a credit or debit card up to a limit of $500. The following code as a purchase:

Chase Sapphire Reserve: 1



United Federal Credit Union

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

No data points

Unitus Community Credit Union

Can fund up to $750 with a credit card. The following code as a purchase:

Chase: Chase Freedom Unlimited: 1



USAA

You can fund up to $100 with a credit card.

The following coded as a purchase:

Citi: Double cash: 1,



The following coded as a cash advance:

Bank of America: Alaska: 1

Chase: Freedom: 1 Ink Preferred: 1

Citi ThankYou Premier: 1 AA: 1, 2

U.S. Bank: 1,

US Alliance Financial

Can fund up to a maximum of $100 with a credit card (somebody funded $25,000 over the phone). You can’t fund with an American Express card.

Chase: Sapphire Preferred: 1,



USE Credit Union

Can fund up to $500 with a credit card. The following code as a purchase:

Chase: IHG Premier: 1,



Utah First Credit Union

You can fund up to $500 with a credit card. Unknown what codes as a purchase.

U$X Federal Credit Union

No data points

VantageWest Credit Union

Allows up to $2,000 in credit card funding. The following code as a purchase:

Bank of America: 1,

Barclaycard: Arrival+: 1, 2, Uber: 1,

Chase: Ink Preferred: 1, Sapphire Preferred: 1,

Citi: Double Cash: 1, Premier: 1,

Fidelity: 1,

U.S. Bank: Cash+: 1



Verity Credit Union

This account can be funded up to $1,000 with a credit card. The following coded as a purchase:

Capital One: Spark business: 1,

Chase: Freedom Unlimited: 1, 2, Sapphire Reserve: 1,

Citi: Double cash: 1,

Wells Fargo: Business Platinum: 1 (07/07/18 via e-mail)



The following coded as a cash advance:

Citi American Airlines: 1,



Virginia Credit Union

Can fund up to $500 with a credit card. The following code as a direct deposit:

Chase: Ink Preferred: 1,



VirtualBank

No longer allows credit card funding

You can fund with a Visa or Mastercard up to an unknown amount, at least $2,000. Currently no data points on what codes as a purchase/cash advance.

Washington Trust

Can fund up to $2,000 with a credit card, possibly more. Unknown what codes as a purchase.

Wauna Federal Credit Union

The following count as a cash advance:

Barclaycard: Arrival: 1

U.S Bank: Club Carlson: 1



Weokie Federal Credit Union in Oklahoma

Can fund up to $3,000 with a credit card.

Citi: Double cash: 1,



Wescom Credit Union

Can fund up to $1,300 with a credit card. The following code as a direct deposit:

Chase: Business Unlimited: 1,



Westfield Bank

You can fund up to $500 with a Discover, Mastercard & Visa. American Express is not allowed. The following code as a purchase:

Westerra Credit Union

Can fund up to $2,000 with a credit card. The following code as a purchase:

Bank of America: Travel Rewards: 1,

Chase: Sapphire Preferred: 1,



Wings Financial Credit Union

Can fund up to $5,000 checking & $10,000 savings with a credit card. Visa & Mastercard accepted. The following coded as a purchase:

Bank of America: Premium Rewards: 1,

Citi: Double cash: 1, 2, 3,

Wells Fargo: 1,

Zeal Credit Union

Can fund up to $1,000 with a credit card. No data points on what codes as a purchase.

Banks That Don’t Allow Credit Card Funding

1st Constitution Bank

1st Source Bank

ableBank

ACNB Bank

All America Bank

Alliant Credit Union

Ally Bank

Amegy Bank

American Pride Bank

Ameris Bank

Andrews Federal Credit Union

APGFCU

Apple Bank

AnchorBank

Arsenal Credit Union

Arvest Bank

Astoria Bank

Avidia Bank

Axos Bank

Ballston Spa National Bank (BSNB)

BancorpSouth

Bank Direct

BankHometown

Bank Mutual

Bank of Canton

Bank of Elk River

Bank of Galesville

BankPurely ( 1

BECU

Bellco Credit Union

Berkshire Bank

BMT (Bryn Mawr Trust)

Bridge Credit Union

Bridgeview Bank Group

Brightpeak Financial

Campus USA Credit Union

Carver Federal Savings Bank

CCFBank

CEFCU

Central Illinois Bank

Century Bank

Charles Schwab Checking

Chesapeake Bank

Chief Financial Credit Union

CIBC US

Cincinnati Federal

CIT Bank

CNote

Columbia Bank (WA, OR, ID)

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

ConnectOne (at least for CDs)

ConnexUs Credit Union

Customers Bank ( 1

Dedham Savings Bank

DimeDirect

Dollar Bank

Dollar Savings Bank

Dundee Bank

EBSB Direct

Elements Financial ( 1

ESL Federal Credit Union

ESSA Bank & Trust

Farmers & Merchants Bank

Farmers & Merchants State Bank

Fidelity Bank (Online, MA)

Fidelity Bank (Brokerage)

Financial Resources Credit Union

FirstBank [TN, GA, AL]

First Bank and Trust

First Bank Financial Centre (FBFC)

First Entertainment Credit Union

First Fidelity Bank

FCB South County Bank

Fifth Third (5/3rd)

First Bank (CA, IL & MO)

First Federal Credit Union

First Federal of Washington

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

First National Bank [UT]

First National Bank [NE]

First National Bank of Long Island

First Republic Bank

First Tech Federal Credit Union

First Trade Union Bank (FTUB)

Five Star Bank (only been tested in branch)

Flagstar Bank

Flushing Bank

Focus Federal Credit Union

Freedom Credit Union

Freedom Federal Credit Union

Frontwave Credit Union

Gateway Metro Federal Credit Union

Genisys Credit Union

Georgia Banking Company (GBC)

Global Credit Union

Heartland Credit Union

Heritage Credit Union

Home Savings Bank

HomeStreet Bank

HomeTrust Bank

HSBC ( 1

Huntington Bank

ICBC USA

IC Federal Credit Union

Incredible Bank

Industrial Bank ( 1

INOVA Federal Credit Union

Integrity Bank

Investor Bank

Iowa State Bank ( 1

Johnson Bank

Kearny Bank

Kemba Financial Credit Union

Kentucky Bank

LegacyTexas

Level One Bank

Marcus Bank

Marine Bank

MB Financial Bank

Mango Bank

MidFirst Bank

MidWestOne Bank

Midwest Regional Bank

Mutual Security Credit Union

My Banking Direct

My eBanc

MVB Bank

NASB

Nationwide Bank

NBC Oklahoma

Nevada State Bank

New Buffalo Savings Bank

Newton Federal Bank

Northfield Bank

NorthShore Credit Union

NBT Bank

NRLFCU

Nutmeng State Financial Credit Union

NYCB Family Of Banks

Old Missouri Bank

Old Second Bank

One American Bank

Orion Federal Credit Union

Pacific Service Credit Union

Parkside Credit Union

Patelco Credit Union

Pathways Financial Credit Union

PeoplesBank

Peoples United Bank

Pinnacle Financial Partners

Polam Federal Credit Union

Popular Bank

Popular Direct

PurePoint Financial

Republic Bank (NY) only

Salal Credit Union

Salem Five Bank

Scient Federal Credit Union

Scott Credit Union

Security Service Federal Credit Union

SENB Bank

Simple Bank (BBVA)

Solvay Bank

Sound Community Bank

Southside Bank

Space Coast Credit Union

Stoneham Bank

Sunflower Bank

TAB Bank

Talmer Bank & Trust

Texell Credit Union

TIAA Direct

Town Bank

Town and Country Bank

Traditional Bank

Trustco Bank

UMB Bank

Union Bank

Union Plus Prepaid

Union Savings Bank

United Roosevelt Savings Bank

Unity Bank

Univest

Wealthfront

Webster Bank

Western State Bank

Whitney Bank

Wintrust Bank

Woori America Bank

WyHy FCU

Valley National Bank

Banks That We Aren’t Sure About