Quick Summary

This reference page lists ACH capabilities: outbound [push], inbound [pull], limits, and fees at financial institutions.

The goal is to assemble numbers along the dimensions of a good hub account (perhaps we will find a collection of good institutions). This data will also be merged into the DoC Bank Account Quick Reference Table.

As always please share your data points and ideas to help make this a better resource.

Brief Intro

While not rare, free outbound ACH transfers can be a valuable tool in triggering bank bonuses, maintaining high interest accounts, and assisting in other manufactured activities.

Definitions Table

Column Value Definition Acc Limit # Maximum number of linked external accounts allowed ACH Type Pull Initiate an inbound funds transfer from an external account ACH Type Push Initiate an outbound funds transfer to an external account Avail Yes/No Online/Web interface exists to initiate ACH Transfers Day $ Limit $ Daily ACH dollar limit across all ACH transfers scheduled for that day. (Initial or Standard) Day Tran Limit # Daily ACH Transaction Limit Fee $ Fee to initiate an ACH transfer Month $ Limit $ Monthly ACH dollar limit across all ACH transfers scheduled for the month. (30 Day Rolling Limit) Month Tran Limit # Monthly ACH Transaction Limit Savings and Money Market Accounts are limited to 6 withdrawals per month. NFB $ No Fee Balance – Minimum Balance required to keep account maintenance (monthly) fee free. Ignoring other ways (DD, Debit Trans, …) to keep account free Speed # Days An attempt at assigning a value for relative transfer speed in business days Bank hold policies can increase transfer time

Both Banks (sender & receiver) can impact speed

Tiered service speeds may be offered Tran $ Limit $ Dollar limit per ACH Transaction

Financial Institutions

Advantis Credit Union

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

All America Bank (Redneck Bank)

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

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

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

Alliant Credit Union

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

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

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

*Alliant restriction/throttling DPs

Ally Bank

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

*Limits per CSR; Minimum transfer of $1 may exist or not

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

*Another Account Limit DP

Amalgamated Bank

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

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

Amegy Bank (of Texas)

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

*DP

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

American Express Bank (Personal Savings)

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $0 1 [Pull] 5 2 [Push] 1-3 2 3 1 6 Savings Account Withdrawal Limits

American Express Serve

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

*More Detail See Data Point3

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

** 1 Account at a time

Andigo Credit Union

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

DP

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

Aspiration

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

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

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

Atlantic Union Bank

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

*DP

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

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

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

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

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

Bank of America

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes Push Yes $3 $10,000* ** SafePass Enrollment Req. $10 Next Day, $30 Same Day Pull Yes $0 $10,000

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

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

** 25,000 Weekly Limit

*** DP of $2M Limits

Bank of the West

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

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

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

Bank5 Connect

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

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

BankMobile

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

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

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

BB&T

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

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

*DP

BBVA

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

Blue Federal Credit Union

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

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

*DP

BMO Harris

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

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

** Data on Limits DP, new interface DP

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

Capital One 360

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

*A prepaid card link warning

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

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

CFG Bank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes Push Yes $0 $5,000 $5,000 $30,000 Min Tran $1 Pull Yes $0 $25,000 $25,000 $30,000

*DP

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

Charles Schwab Bank

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

High Yield Investor Checking

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

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

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

Chase Bank

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $1,500 1 1-22 253

Post on Chase Instant ACH Transfers

CIBC US

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

*DP

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

Circle (Mobile App)

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

*DP per PS

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

CIT Bank

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

CIT Bank Online Banking – Might be only a savings account

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

*Per CSR, Previous Reported Limit $5,0002

Additional comment on transfer speed, funds hold

Citibank

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

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

Citizens Access

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes Push Yes $0 $250,000 $1,000,000 Pull Yes $0 $1,000,000 $5,000,000

*DP

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

Citizens Bank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes Push Yes $32 $5,0002 $10,000 Pull Yes $0 $5,000 $10,000

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

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

Columbia Bank (NJ)

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

*DP

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

Comenity Bank

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

Community Choice Credit Union

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

Consumers Credit Union (CCU)

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $03 Push 2-3 days Pull Longer2

DCU (Digital Federal Credit Union)

DP on setup

DP on limits

DFCU

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

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

Discover Bank

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

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

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

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

Elements Financial Credit Union

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

* DP, DP

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

Emigrant Direct

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

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

Empower Banking

Possibly weekly $2,500 ACH Limit DP

Essex Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

ETrade Bank

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

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

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

EverBank

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

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

*CSR and 4,5

Fidelity Investments

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

Cash Management Account

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

*Online Linking works some of the time2

Fifth Third Bank

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

*DPs per JT, IS250

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

First Citizens Bank

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

First Federal Bank

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

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

First Foundation

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

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

First Internet Bank

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

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

First Merit Bank

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

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

First National Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

First Tennessee Bank (Capital Bank)

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

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

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

Flagstar Bank

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

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

FNBO Direct

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

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

*Maybe 6 and notes of FNBO Bill Pay Feature

Fremont Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

Hanscom Federal Credit Union

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

*Limits based on linked system (per CSR)

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

Heritage Bank

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

*DP, DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

HSBC

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

*Per CSR

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

Huntington

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

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

DP* – Larger Limits (looks to be dynamic)

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

Incredible Bank

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

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

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

*60 Day Delay on Bank to Bank Transfers 1

$1,000 Minimum to Open Account – maintain?

$10 Early Close Fee (less than 90 days)

Investors Bank

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

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

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

KeyBank

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

*New DP; *Combined Push/Pull4

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

Lake Michigan Credit Union

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

* Bill Pay

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

Legacy Bank and Trust

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

DP

Level One Bank

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

M&T Bank

ACH Type Avail Fee Tran $ Limit Day $ Limit Month $ Limit Notes Push Yes $0 $10,000 $100,000 Pull Yes $0 $20,000 $100,000

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

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

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

Marcus (Goldman)

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

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

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

Memory Bank

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

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

*DP

Morrill & Janes Bank and Trust

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

*2019 Acquired by Bank of Blue Valley – DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

Moven

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

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

My Savings Direct (MySavingsDirect)

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

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

*DP

Nationwide Bank

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes 10,000 1 2-32 43

Navy Federal Credit Union

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

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

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

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

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

Neighbors Bank

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

*Initial Limits – then varies

Northern Bank Direct

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit $0 1 >9 6 10 transfers to per day 100 transfer to per month

Northfield Bank

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

*DP per CSR

NFB Speed Acc Limit Day Tran Limit Month Tran Limit

Northpointe Bank

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

OnPoint Community Credit Union

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP – $100K+

Oregon Community Credit Union

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

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

*Remarkable Checking2

Paypal

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

*DP per PS

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $0 5 Day Pull 1-2 Day Push*

Parkside Credit Union

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

PNC Bank

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

Suspicious Activity cancelled transaction warning3, Reports of Lower Limits here

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

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

PNC Business Limits DP

Premier Members Credit Union

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

*DP

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

Prime Alliance Bank

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

*Initial 60 day freeze

Provident Bank

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

*DP, DP

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

Provident Credit Union

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

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

PurePoint Financial

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

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

*DP

Radius Bank

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

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

*Per CSR

Ridgewood Savings Bank

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

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

*DP

Rivermark Community Credit Union

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

*DP

Robinhood

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

Brokerage

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

*Significant additional requirements for another account2

Salem Five Direct

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

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

Sandy Spring Bank

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

*DP

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

Santander Bank

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

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

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

Seacoast Bank

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

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

Simple (.com)

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

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $01 1-2 From; 3-4 To2 5 No Limit

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

SoFi Money

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

*DP

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

Square Cash (Mobile App)

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

*DP per PS

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

Star One Credit Union

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

*All Info Per CSR1

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes 3-5 No Limit*

State Bank of India (CA)

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

State Farm Bank

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

*DP

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

**DP

SunTrust Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes Up to 32 Pull 1 (Sometimes)*

*Comments note inbound limit3

Synchrony Bank

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

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

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

Talmer Bank & Trust

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

TCF Bank

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

DP*

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

TD Ameritrade

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

Cash Managment Account

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

*CSR and this DP1

TD Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $2,500 3

Tech CU

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

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

TIAA Direct Bank

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

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

*DP

Trustco Bank

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

*DP

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

UFB Direct

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

Unify Financial Credit Union

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

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

*DP

Union Bank

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

United Bank

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

DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

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

US Bank

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

*Higher Limits DP

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

*Platinum Account may not charge $3 fee, per Jennifer M

USAA Bank

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

Limited Membership

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes $0 1 1-23

*Same Day ACH Transfers reflected instantly4

Varo Bank

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

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes Push 1-2 BD Pull 2-4 BD

*DP

Vanguard

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

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

*DP

Vio Bank

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

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

Wells Fargo Bank

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

*Previous $33, Larger DP

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

Western State Bank

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

Whitney Bank (Hancock Whitney)

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

*DP

NFB Speed Acc Limit Day Tran Limit Month Tran Limit Notes

Zeal Credit Union

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

A Few ACH Strategies

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

Some Go Big

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

(+)s: These institutions offer great hub accounts (free, quick, sizable, … transfers)

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



Some Go Small

Using local credit unions or banks.

(+)s: Being so small it would seem unlikely that any would be specifically blocked, and perhaps smaller/(older?)/different tech may have more success triggering requirements.

(-)s: But being so small, it would be very unlikely that your local institution will ever show up as a data point

Some Go Explosive

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

(+)s: It could work – something might trigger the requirement

(-)s: But it seems fairly: Time Expensive, Capital Intensive (if $ minimums required on the transfers), and in the end you don’t know what triggered the bonus



Some Go Beyond Banks

And use a number of different account types:

Amazon

Brokerage Accounts

Business Accounts

Prepaid Cards

I even saw

pop-up on the list.

(+)s: These are valuable alternatives

(-)s: But many involve more obstacles and effort than a good hub bank account

Goldilocks Institutions?

Perhaps as a DoC community we can identify a collection/[portfolio] of not too big, not too small good hub accounts.

Ideally, Goldilocks on another dimension too, the size of the signup bonus. Assuming a model where you can only open a limited number of accounts each year, then we wouldn’t want an institution with no bonus (poor value for the inquiry), but also not an institution with a regular large bonus (that might sit on your churning list).

Previously available nationwide, now restricted to California, Tech CU might be a decent example.

At the least hopefully this reference page offers you some value.

Warnings

(In addition to all the standard disclaimers,) this resource is incomplete and filled with errors.

It is an attempt to summarize and categorize rules inferred from community data points.

Definitely tell us where we have made a mistake.

Additionally:

Personal limits at financial institutions may vary

Limits for personal accounts (not business but happy to add those data points too)

Final Notes

Please share your data points and ideas on this topic to help make this page a better resource.

Good luck to all the bank bonus miners out there (is that what they call us?).

All the best!