List Of Methods Banks Count As Direct Deposits



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

Contents

Big Banks/Banks With Regular Sign Up Bonuses

American Express

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

Bluebird:

The following count as a direct deposit



  • Amazon payments: 1

Serve:

  • Ally: 1, 2
  • Paypal: 1
  • CapitalOne360: 1
  • Santander ACH push: 1

Bank of America

The following count as a direct deposit:

  • ACH Transfer (12)
  • American Express:
    • Serve: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8 (did work), 9 (did work)
  • Baxter Credit Union: 1
  • Coinbase: 1, 2,
  • Connexus: 1
  • Emigrant (1)
  • E*Trade (12, 3)
  • Fidelity Money Line (12)
  • HSBC (1)
  • ING Direct/Capital One 360 (12), this may not work anymore from December 2013 onwards (1, 2) Update: November 2014 it’s working again (not working again?)
  • PurePoint Financial: 1
  • Robinhood: 1, 2, 3, 4 (didn’t work)
  • Serve: 1, 2

The following no longer count as direct deposit:

  • ACH Transfer: 1
  • Ally ACH: 1, 2 (via e-mail in March, 2015), 3,
  • Amazon Marketplace: 1 (via e-mail on February 11th, 2018)
  • American Express:
    • Bluebird: 1
  • Capital One: 1
  • Chase: 1 (does work to waive fee, not for bonus), 2,
  • Charles Schwab: 1, 2,
  • Discover: 1 (does work to waive fee, not for bonus)
  • Fidelity: 1, 2,
  • HSBC: 1
  • Paypal (1, 2), there is evidence of it working previously (123) but this has now been shut down.
  • BofA user to user transfers (1)
  • Robinhood: 1, 2, 3,
  • Vanguard: 1

Capital One 360

The following count as a direct deposit:

The following didn’t work:

  • Ally: 1
  • Chase: 1
  • Discover: 1, 2, 3,
  • Elements: 1
  • Santander: 1
  • Stripe: 1
  • TIAA Direct: 1
  • Wells Fargo: 1
  • USAA: 1, 2, 3

Chase

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

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

  • ABC Giftcards payout: 1, 2, 3, 4, 5, 6, 7, 8 (didn’t work?), 9, 10, 11, 12, 13,
  • Acorns: 1, 2 (didn’t work)
  • AirBnB: 1, 2 (didn’t work)
  • Alliant: 1, 2
  • Amazon Payments: 1, 2, 3, 4, 5,
  • American Express:
  • Ameritrade: 1
  • BeFrugal: 1
  • Barclays Online Saving: 1, 2, 3, 4, 5, 6, 7, 8
  • Cappital One: 1
  • CardCash: 1,
  • CBC Federal Credit Union: 1,
  • CCUIL ACH: 1,
  • Chase: 1
  • Charles Schwab: 1 (brokerage)
  • Chime: 1
  • Connexus FCU: 1,
  • Consumers Credit Union: 1, 2,
  • DoorDash: 1
  • Dosh: 1,
  • Dwolla: 1,
  • Elements Financial: 1,
  • E*Trade: 1, 2, 3 (didn’t work), 4 (did work)
  • Fidelity EFT: 1 (via e-mail on October 5th, 2016), 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20 (didn’t work), 21, 22,
  • Fidelity CMA: 1, 2, 3, 4,
  • First Green Bank: 1 (via e-mail on 04/18/2018)
  • First Technology Credit Union: 1, 2, 3,
  • Freshbooks WePay: 1, 2,
  • Goldman Sachs: 1
  • Google Adsense: 1
  • Gulf Winds Federal Credit Union: 1,
  • Gusto: 1
  • MarketForce Payroll: 1,
  • Motif Investing: 1,
  • Mountain America Credit Union: 1
  • M&T Bank: 1, 2, 3, 4,
  • Payooner: 1
  • Provident Credit Union: 1, 2
  • Robinhood: 1, 2, 3, 4, 5 (e-mail on 06/21/17)s, 6, 7
  • Schools First: 1
  • Robinhood: 1, 2, 3, 4, 5 (no longer working)
  • Santander: 1
  • SchoolFirst: 1
  • TD Ameritrade: 1, 2, 3, 4, 5, 6, 7,
  • Topcashback Payout: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 (didn’t work), 16 (didn’t work), 17 (didn’t work), 18 (didn’t work)
  • Transferwise: 1,
  • Uber: 1, 2,
  • University Federal Credit Union: 1
  • Upwork: 1
  • USAA: 1
  • Vanguard Brokerage: 1, 2, 3, 4, 5 (didn’t work), 6, 7, 8,
  • Wells Fargo: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, not working for some?, 15 (not working), 16 (not working), 17 (not working), 18 (not working), 19 (not working), 20 (not working), 21 (not working), 22 (not working), 23 (not working), 24, 25 (not working), 26 (not working)

The following do not work:

  • Alliant: 1, 2, 3, 4, 5
  • Ally: 1, 2, 3,
  • American Express Savings: 1
  • Barclaycard Savings: 1, 2, 3
  • Bank of America: 1, 2
  • Capital One: 1, 2,
  • Capital One 360: 1, 2 (savings), 3, 4,
  • Cardcash: 1
  • Charlies Schwab: 1 (checking), 2, 3 (brokerage), 4, 5 (brokerage)
  • Chase Business: 1
  • Citi ACH: 1
  • DoorDash: 1,
  • Discover: 1, 2, 3
    • Savings: 1
  • FNBO: 1
  • Hancock Whitney: 1,
  • Huntington: 1
  • IRS: 12, 3, 4,
  • Paypal: 1, 2,
  • Quorum FCU: 1
  • Santander: 1
  • Square Cash.me: 1
  • Tax refund: 1,
  • TD Ameritrade: 1
  • TD Bank: 1,
  • Thrivent: 1,
  • U.S. Bank: 1
  • USAA: 1 (1 does work), 2, 3,
  • VantageWest: 1
  • Venmo: 1, 2, 3,
  • Wells Fargo: 1, 2, 3, 4, 5, 6,
  • Wells Fargo Business: 1

[View current Chase sign up bonuses]

The following count as a direct deposit:

  • Ally ACH: 1234, 5, 6 (may no longer work: 1), 7 looks like it is working (via e-mail February 10th, 2015), 8, 9, 10 (via e-mail July 15th, 2015)
  • American Express Serve: 1234, 5, 6, 7 (via email January 23rd, 2015), 8 (via email March 3rd, 2015), 9, 10, 11, 12, 13, 14, 15, 16, 17
  • American Express Bluebird: 1, 2, 3
  • American Express Redcard: 1, 2
  • American Express OneVIP: 1
  • Ameritrade: 1
  • ACH: 1234567891011121314, 15
  • Barclays Online Saving: 1, 2, 3, 4
  • Capital One Savings: 1, 2
  • CCU ACH: 1
  • Discover Checking: 1, 2, 3, 4, 5/chase-checking-300-savings-200-bonus/#comment-226214
  • E*Trade: 1 (may no longer work)
  • Fifth Third: 1
  • Fidelity Online Transfer: 1, 2
  • Fidelity Cash Management: 1
  • Google Wallet: 1
  • Huntington Bank ACH: 1, 2 (no longer works: 1
  • NFCU ACH: 1
  • PenFed ACH: 1, 2
  • Santander: 1, 2
  • Tech CU: 1 (No longer works: 1)
  • Topcashback: 1 (via e-mail on July 27th, 2016)
  • Venmo: 1 (No longer works: 1)
  • Wells Fargo: 1, 2, 3
  • Barclays Online Savings: 1, 2

The following no longer count as direct deposits:

  • Alliant: 1, 2, 3 (used to work 1)
  • Ally: 1
  • Amazon Payments (1)
  • American Express Savings: 1, 2
  • Capital One 360/ING Direct, this used to work  (1 , 2 , 34 and 1234) but it’s now no longer working unfortunately (12345). Reports of this working again (1 via e-mail on April 22nd, 2015), 2, 3, 4
  • Charles Schwab Brokerage: used to work 1, 2, 3 but now no longer works: 1, 2, 3
  • Citi Bank ACH: 1, 2
  • Discover: 1, 2
  • First Tennessee: 1
  • Google Wallet: 1
  • HSBC (123)
  • Mango (1)
  • Paypal used to work (123) and now no longer works (1 24567, 8, 9, 10)
  • PNC ACH: 1, 2
  • SDFCU: 1
  • TD Bank: 1
  • USAA: 1

Citibank

The following count as a direct deposit:

  • ACH: 12
  • Amazon payments: 1
  • Chase: 1, 2,
  • Emigrant direct: 1
  • Fidelity ACH: 1, 2, 3
  • INGdirect: 123
  • Paypal: 123, 4,

The following don’t count as direct deposit:

  • Barclaycard:
    • Wyndham: 1
  • Paypal: 1 (somebody let me know via e-mail it no longer works) (used to work: 123)
  • Schwab Brokerage money link transfers (1)
  • TD Ameritrade: 1

Discover

The following did work:

  • Ally: 1 (may no longer work: 1)
  • Amazon Seller Disbursements: 1
  • Bank of America Business ACH: 1
  • Capital One 360: 1, 2, 3
  • Fidelity: 1
  • Paypal: 1, 2, 3, 4
  • Serve: 1
  • TD Ameritrade: 1

Huntington Bank

The following count as a direct deposit:

  • Ally: 1, 2, 3, 4
  • Amazon Payments (1)
  • ACH Transfers: 1, 2, 3
  • Bluebird: 1
  • Capital One: 1
  • Chase: 1, 2
  • PNC: 1

Key Bank

The following count as a direct deposit:

  • ACH (1)
  • Ally ACH: 1
  • American Express:
    • Serve: 1, 2, 3,
  • Capital One 360: 1, 2, 3, 4, 5, 6, 7,
  • Chase: 1, 2, 3
  • Discover: 1, 2 (savings, didn’t work)
  • E*Trade: 1
  • Orgeon Community Credit Union: 1
  • Paypal: 1, 2, 3, 4, 5, 6
  • Santander: 1, 2 (didn’t work)
  • Stripe Transfer: 1
  • TD Ameritrade: 1
  • USAA: 1
  • Wells Fargo ACH: 1, 2, 3, 4,
  • Venmo: 1, 2

The following didn’t count as a direct deposit:

  • Ally: 1, 2 (did work)
  • Charles Schwab: 1

PNC

The following count as a direct deposit:

The following do not count as a direct deposit:

  • Ally ACH: 1, 2 (used to work: 1
  • American Express Savings: 1
  • Charles Schwab: 1 (checking)

Santander Bank

Works (from August 2016 onwards)

  • American Express
    • Bluebird: 1
    • Serve: 1, 2, 3, 4
  • BMO Harris: 1,
  • Capital One 360: 1, 2, 3, 4, 5, 6 (didn’t work), 7 (didn’t work), 8 (worked)
  • Chase:  1
  • Charles Schwab: 1 (brokerage only)
  • Fidelity: 1, 2, 3, 4,
  • Wells Fargo: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,

Doesn’t work:

  • Charles Schwab Checking: 1 (via Twitter on 06/01/2017)
  • Discover: 1, 2,
  • TD Ameritrade: 1
  • USAA: 1

U.S. Bank

The following count as a direct deposit:

  • ACH (1)
  • Alliant (1), 2,
  • Ally: 1, 2,
  • Charlies Schwab: 1, 2,
  • Chase: 1
  • Fidelity: 1,
  • Paypal: 1
  • Tech CU: 1, 2
  • Venmo: 1

Wells Fargo

The following triggers the direct deposit requirement:

  • Alliant: 1, 2
  • Ally: 1, 2, 3, 4, 5, 6 7 (didn’t work)
  • American Express:
    • Serve: 1
  • Bank of America: 1
  • BECU ACH: 1
  • Capital One 360: 1, 2,
  • Charles Schwab
    • Checking: 1
    • Money Link: 1
  • Chase: 1 (didn’t work)
  • Citibank: 1
  • Discover: 1, 2
    • Savings: 1, 2, 3,
  • Dwolla: 1
  • E-Trade: 1
  • Fidelity: 1, 2
  • HSBC: 1
  • Huntington: 1,
  • Keybank: 1
  • Paypal: 1, 2, 3, 4,
  • PenFed Trial Deposits: 1
  • PNC: 1, 2, Robinhood: 1
  • Santander: 1, 2
  • Schwab: 1
  • USAA: 1
  • Venmos: 1, 2,

Credit Unions/Small Banks

1st Constitution Bank

The following did not work as direct deposit:

  • Ally: 1
  • Capital One 360: 1
  • Chase: 1
  • Discover: 1
  • Paypal: 1
  • Santander: 1
  • Vanguard: 1

1st Mariner Bank

  • No data points

1st Source Bank

The following worked as a direct deposit:

  • Charles Schwab: 1 (money link)

1st United Credit Union

AAC Credit Union

  • No data points

ACNB Bank

  • No data points

Advance Financial Federal Credit Union (AFFCU)

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

Advantage Bank

  • No data points

Advantis Credit Union

  • No data points

Adventure Credit Union

The following code as a direct deposit:

  • Capital One 360: 1

Aero Federal Credit Union

  • No data points

Allegiance Credit Union

  • No data points

Aloha Pacific Federal Credit Union

  • No data points

Amalgamated Bank

  • BMO Harris: 1

American Bank

  • No data points

America First Credit Union

  • No data points

American Eagle Credit Union

The following did work:

  • No data points

The following didn’t work:

  • Paypal: 1
  • Santander Bank: 1
  • Serve: 1

American Enterprise Bank

  • No data points

American Investors Bank & Mortgage (AIBM)

  • No data points

American Heritage Credit Union

  • No data points

American Trust & Savings Bank

  • No data points

AmeriCU Credit Union

  • No data points

Anchor Bank

The following trigger the bonus:

  • Discover ACH: 1

Andigo Credit Union

The following triggered the bonus

  • American Express:
    • Bluebird: 1
  • Charles Schwab: 1 (brokerage),

Andrews Federal Credit Union

  • No data points

APGFCU

  • No data points

Apple Bank

The following do count as a direct deposit:

The following didn’t count as a direct deposit:

  • Chase ACH: 1

Arizona Central Credit Union

No data points

Arvest Bank

  • No data points

Ascend Federal Credit Union

  • No data points

Associated Bank

  • Ally: 1, 2, 3, 4,
  • PNC ACH: 1

Associated Credit Union

  • No data points

Associated Credit Union of Texas (ACUTX)

  • No data points

Avidia Bank

The following count:

  • Capital One 360 ACH: 1

Ballston Spa National Bank (BSNB)

  • No data points

BancorpSouth

  • No data points

Bank & Trust

  • Ally: 1
  • Capital One: 1, 2,
  • Charles Schwab: 1 (checking), 2 (pull)

Bank Direct

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

Bankers Trust

  • No data points

BankHometown

  • No data points

Bank of Canton

  • No data points

Bank of Maine

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

Bank Mutual

The following don’t count as a direct deposit

  • Ally ACH: 1
  • Paypal

Bank of New York

The following count as a direct deposit:

  • HSBC (1)

Bank Of Sun Prairie

  • No data points

Bank Of The West

The following count as a direct deposit:

  • BMO Harris: 1,
  • Emigrant (1)
  • ING Direct/Capital One 360 (1)
  • Discover ACH: 1, 2,
  • Paypal (123, 4, 5,
  • Schwab ACH: 1
  • USAA: 1

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

BankWell

  • No data points

Banterra

  • No data points

Baton Rouge Telco Federal Credit Union

  • No data points

BB&T

The following does count as a direct deposit:

The following doesn’t count as a direct deposit:

  • Paypal: 1

BBVA

The following codes as a direct deposit:

  • Capital One 360: 1, 2, 3, 4, 5, 6, 7,
  • Charles Schwab: 1 (brokerage), 2 (brokerage), 3, 4, 5, 6, 7, 8,
  • Fidelity: 1
  • First Tech Federal Credit Union: 1
  • Merrill Edge: 1
  • Paypal: 1, 2
  • Provident Credit Union: 1
  • TD Ameritrade: 1

The following did not work:

  • Ally: 1,
  • Chase: 1.
  • Robinhood: 1

Beacon Credit Union

  • No data points

BECU

  • No data points

Belco Community Bank

  • No data points

Bellco Credit Union

  • No data points

Beneficial Bank

  • No data points

Berkshire Bank

  • No data points

BethPage Credit Union

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

Beverly Hill Bank

  • No data points

BHCU

  • No data points

BiddefordSavings

No data points

Blue Federal Credit Union

The following count as a direct deposit:

  • BMO Harris: 1,

Blue Hills Bank

The following counted as a direct deposit:

  • Discover: 1

The following did not count as a direct deposit:

  • Discover: 1 (savings)

BMO Harris

The following do count as a direct deposit:

  • Alliant ACH: 1, 2 (1 no longer counts), 3 (worked again)
  • Ally: 1
  • American Express:
    • Serve: 1
  • Capital One 360: 1, 2, 3, 4
  • Chase: 1 (business checking), 2, 3 (business checking), 4, 5 (didn’t work)
  • Discover ACH: 1, 2, 3 (didn’t count: 1), 4 (did count), 5 (did count)
  • Fidelity: 1 (brokerage)
  • Robinhood: 1
  • Schwab Transfer: 1, 2, 3
  • Vanguard: 1 (brokerage)
  • UFCU: 1

The following did not count as a direct deposit:

  • Ally: 1
  • Capital One 360: 1 (1 – did work), 2, 3 (did work), 4 (did work), 5 (didn’t work), 6 (didn’t work), 7 (did work), 8 (did work)
  • Charles Schwab: 1 (brokerage), 2 (did work), 3 (didn’t work)
  • Fidelity: 1
  • JP Morgan: 1,
  • Paypal: 1, 2, 3 (did work)
  • Taxes:
    • Federal & State: 1
  • USAA: 1
  • Vanguard: 1,

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

The following worked:

  • Chase: 1

Below is what worked for specific banks within BOKF

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

Bridge Credit Union

  • No data points

Bridgeview Bank Group

The following code as a direct deposit:

  • Ally: 1
  • Gusto: 1

The following didn’t work as a direct deposit:

  • Charles Schwab: 1

The following doesn’t code as a direct deposit:

  • Capital One 360: 1

Byline Bank

  • No data points

Bull’s Eye Credit Union

  • No data points

Callaway Bank

  • No data points

Cambridge Savings Bank

  • No data points

Cambridge Trust Company

  • No data points

Camden National Bank

The following worked as a direct deposit:

  • Capital One: 1

Campus USA Credit Union

  • No data points

Capital Bank

  • Unknown

Capital Credit Union

  • No data points

Capitol Bank

  • No data points

Carver Federal Savings Bank

  • No data points

CCFBank

The following do work:

  • No data points

The following don’t work:

  • American Express:
    • Serve: 1,
  • Capital One: 1,

Cedar Rapids Bank & Trust

  • No data points

CEFCU

  • No data points

Centier

  • No data points

Central Bank

  • No data points

Charles Schwab

  • Wells Fargo Business: 1

Charter One

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)

Chartway Federal Credit Union

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

Chime

The following counts as direct deposit:

  • American Express
    • Serve: 1 (personal experience)
  • Charles Schwab: 1,

Christian Community Credit Union

The following counts as a direct deposit:

  • No data points

The following doesn’t count as a direct deposit:

  • TIAA Direct: 1,

Cincinnati Federal

  • No data points

CinFed Credit Union

  • No data points

The Citizens Bank

  • No data points

Citizens Bank

The following count as a direct deposit:

  • ACH (1, 2)
  • Alliant: 1
  • Charles Schwab: 1
  • Chase: 1, 2, 3,
  • Fidelity: 1,
  • Huntington Bank: 1
  • ING Direct/Capital One 360 (1)
  • IRS refund: 1
  • Topcashback: 1
  • Wells Fargo: 1,
  • Vanguard: 1, 2,
  • Venmo: 1, 2

The following did not count as a direct deposit:

  • Capital One 360: 1

City National Bank (Bankatcity)

  • No data points

Clearview Federal Credit Union

The following did count as a direct deposit:

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

Clifton Savings Bank (CSBK)

  • No data points

Columbia Credit Union

  • No data points

Columbia Bank (NJ)

The following worked:

  • Capital One 360: 1, 2, 3,
  • Chase: 1, 2,
  • Citizens Bank: 1
  • Fidelity: 1
  • TD Bank: 1, 2,
  • Vanguard: 1

Columbia Bank (WA, OR, ID)

  • No data points

Columbia Bank Online

No data points

Compass Bank

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)

Commerce Bank (MA)

The following count as a direct deposit:

  • Paypal (1)
  • ING (1, 2)

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

  • No data points

CommunityAmerica Credit Union

  • No data points

Community Bank & Trust

  • No data points

Community West Credit Union

The following count as a direct deposit:

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

Connex Credit Union

  • No data points

ConnexUs Credit Union

The following count as a direct deposit:

  • Ally: 1
  • BMO Harris: 1,

Consolidated Community Credit Union

  • No data points

Consumers Credit Union

The following counted as direct deposit:

  • BMO Harris: 1,

Cooperative Bank of Cape Cod

  • No data points

Coors Credit Union

  • No data points

Cornerstone Bank

  • No data points

Crane Credit Union

  • Soft pull: 1

Credit Union of Ohio

  • No data points

Credit Union of Texas

  • No data points

Crystal Lake Bank

  • No data points

CSE Federal Credit Union

  • No data points

Dearborn Savings Bank (DSB)

  • No data points

Dedham Savings Bank

  • No data points

Delta Community Credit Union

  • No data points

Denmark State Bank

  • No data points

Desert Schools Federal Credit Union

  • No data points

Diamond Valley Federal Credit Union

  • No data points

Dollar Bank

The following counted as a direct deposit:

  • Wells Fargo: 1,

East Boston Savings Bank

  • No data points

Eastern Bank

No data points.

Eastern Savings Bank

  • No data points

Eastman Credit Union

  • No data points

East Wisconsin Savings Bank

  • No data points

Educators Credit Union (ECU)

  • No data points

Elements Financial

  • Alliant: 1, 2
  • Ally: 1
  • American Express:
    • Serve: 1
  • Capital One 360: 12
  • Discover: 1
  • Goldman Sachs savings: 1
  • Wells Fargo: 1

Energy Federal Credit Union

  • No data points

E*Trade

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1, 2)

Evansville Teachers Federal Credit Union

The following worked:

  • Initial credit card funding worked: 1
  • Chase: 1

Farmers Insurance Federal Credit Union

  • No data points

Farmington Bank

  • No data points

FAST Credit Union

  • No data points

FCB South County Bank

  • No data points

FEDCOM Credit Union

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

Fidelity Bank (PA)

  • No data points

Fifth Third Bank

The following count as a direct deposit:

  • Ally: 1, 2 (no longer working: 1), 3 (worked again), 4, 5,
  • American Express:
    • Serve: 1
  • Bank of America: 1
  • Capital One: 1, 2, 3, 4, 5
  • Chase; 1, 2, 3, 4, 5, 6, 7, 8,
  • Chase business: 1
  • Citizens: 1
  • Discover ACH: 1, 2, 3, 4
  • Huntington: 1
  • USAA ACH (1), 2
  • ING Direct/Capital One 360 (1, 2, 3, 4, 5 via email on November 8th)
  • Paypal: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12
  • Serve: 1



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894 Comments on "List Of Methods Banks Count As Direct Deposits"

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

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

Amex Serve counts as DD for First Niagara.

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

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

Bluebird counts a DD for Bank of America

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

Thanks in advance. Love all your work

Discover Bank ACH counted as DD for 1st Niagara.

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

Arielle Bianchimano
Arielle Bianchimano

PNC counted a transfer from Cap One 360 for me.

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

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

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

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

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

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

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