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Contents
- 1 Reasons For Funding Bank Accounts With Credit Cards
- 2 Bank Accounts That Can Be Funded With Credit Cards
- 2.1 1st Mariner Bank
- 2.2 1st United Credit Union
- 2.3 Andigo Credit Union
- 2.4 Arizona State Credit Union
- 2.5 Associated Bank
- 2.6 Bank of America
- 2.7 Bank of Colorado
- 2.8 Bank of the West
- 2.9 BB&T
- 2.10 BBVA Compass
- 2.11 Blue Hills Bank
- 2.12 BMO Harris
- 2.13 Camden National Bank
- 2.14 Capital One
- 2.15 Chase Bank
- 2.16 Chartway Federal Credit Union
- 2.17 Christian Community CU
- 2.18 Citadel CU
- 2.19 Citizens Bank
- 2.20 Clearview Federal CU
- 2.21 Columbia Credit Union
- 2.22 Consumers Credit Union (Ridgewood)
- 2.23 Easthampton Savings Bank
- 2.24 Elevations Credit Union
- 2.25 Fidelity Bank
- 2.26 FirstBank
- 2.27 First Citizen’s Bank
- 2.28 FirstMerit Bank
- 2.29 First National Bank
- 2.30 First Niagara Bank
- 2.31 First Tennessee Bank
- 2.32 GTE Financial
- 2.33 Harborone Bank
- 2.34 Key Bank
- 2.35 Liberty Bank
- 2.36 Memory Bank
- 2.37 MountainOne Bank
- 2.38 Nassau Financial Federal CU
- 2.39 Newtown Savings Bank
- 2.40 Northpointe Bank
- 2.41 Northwest Bank
- 2.42 Northwest Savings Bank
- 2.43 Ocean First Bank
- 2.44 Orange County CU
- 2.45 Pinnacle Bank
- 2.46 PNC
- 2.47 Premier America Credit Union
- 2.48 Radius Bank
- 2.49 Regions Bank
- 2.50 Republic Bank
- 2.51 S&T Bank
- 2.52 Sandy Spring Bank
- 2.53 Santander Bank
- 2.54 Star One Credit Union
- 2.55 SunTrust Bank
- 2.56 Tech CU
- 2.57 TD Bank
- 2.58 U.S. Bank
- 2.59 Union Bank and Trust
- 2.60 Wells Fargo
- 3 Bank Accounts That Can’t Be Funded With Credit Cards
Many banks allow credit card funding towards the opening deposit when you sign up for a new Checking or Savings account. We’ve compiled a list of these banks below.
Other helpful pages pertaining to bank promotions:
• Current Bank Bonuses
• Soft Vs. Hard Inquiries When Opening Bank Accounts
• Methods Of Meeting Direct Deposit Requirements
• Banks With No ATM Fees Overseas
Reasons For Funding Bank Accounts With Credit Cards
• To meet opening deposit requirements for new Checking/Savings account bonuses.
• To help with credit card spending to meet a new credit card’s requirement for a sign-up bonus.
• To meet the minimum deposit requirement for new accounts and earn rewards on a credit card at the same time.
Bank Accounts That Can Be Funded With Credit Cards
Tips:
• Call customer service to set your Cash Advance limit on your credit card to $0 to avoid getting hit with a Cash Advance Fee.
• The table below shows which credit cards have categorized the funds as a regular Purchase or as a Cash Advance. This doesn’t mean you have to use these cards to fund – it’s more of just proof/reports that it’s possible.
• Funding with a Visa or MasterCard will work more often than with American Express cards.
• Citi credit cards are notorious for coding these transactions as Cash Advances!
Disclaimer: The data in the table below was taken from reports of several consumers from popular forums and blogs, so there’s no guarantee.
| Bank/Credit Union | As A Purchase | As A Cash Advance | Funding Info | Promo |
1st Mariner Bank |
PenFed Platinum Visa, Schwab | Bank of America, Barclays Arrival, Chase Rapid Rewards, Citi AA | Fund up to $2500. Amex card not accepted. | |
1st United Credit Union |
Chase Hyatt/Ink Preferred/Marriott, Citi Double Cash | Fund up to $2,000 | Promo | |
Andigo Credit Union |
Fund up to $500 with Amex, Visa or MasterCard | Promo | ||
Arizona State Credit Union |
Unknown | Unknown | Fund up to $2500. Amex card not accepted. | |
Associated Bank |
Barclay Arrival, Chase Freedom, Citi Double Cash | Fund up to $200. Amex card not accepted. | Promo | |
Bank of America |
No credit card funding, but you can fund with a debit card up to $300. | Promo | ||
Bank of Colorado |
Chase Freedom, Chase IHG, Chase Ink, Chase Southwest | Fund up to $1000 | Promo | |
Bank of the West |
BoA Cash Rewards, Capital One Venture, Chase Freedom Unlimited/Hyatt, Citi AA, Fidelity Visa | Fund up to $500 with Visa/MasterCard | Promo | |
BB&T |
BoA Merrill/Travel Rewards, Chase Freedom/Sapphire Preferred/Sapphire Reserve/Southwest Premier, Citi Hilton/Hilton Reserve/ThankYou Premier | Fund up to $1,500 with credit or debit card | Promo | |
BBVA Compass |
BoA Alaska Airlines/British Airways/Merril, Capital One Cashback/Quicksilver, Citi AA | Chase British Airways/Business United/Marriott Business/Sapphire Preferred/Sapphire Reserve | Fund up to $5000 with Visa/MasterCard | Promo |
Blue Hills Bank |
Barclay Arrival, Barclay Miles & More | Fund up to $1000. | ||
BMO Harris |
*Many people are saying BMO no longer allows credit card funding.
American Express, BoA, BBVA Compass, Citi Double Cash |
Chase Cards | Fund up to $1,000 | Promo |
Camden National Bank |
Fund up to $500 w/ Visa or MasterCard | Promo | ||
Capital One |
Citi Double Cash | Promo | ||
Chase Bank |
*Seems like most are getting marked as Cash Advances now.
Citi ThankYou Premier, PenFed Rewards |
Barclay Arrival Plus, Barclay Sallie Mae, Barclay US Airways, Capital One cards, Chase cards, Fidelity Visa, Citi cards | You can fund up to $500. | Promo |
Chartway Federal Credit Union |
BoA Alaska Airways, Chase Freedom , US Bank Club Carlson | Fund up to $1500. | ||
Christian Community CU |
Fund up to $100 | Promo | ||
Citadel CU |
Fund up to $500 | Promo | ||
Citizens Bank |
BoA Alaska Airways, BoA Travel Rewards, Chase Freedom/Southwest | Barclays Arrival, Citi ThankYou Preferred/ThankYou Premier, Discover it, USAA cards | Fund up to $1,000 with Visa/MasterCard | Promo |
Clearview Federal CU |
$500 with Visa or MasterCard | Promo | ||
Columbia Credit Union |
Bank of America Card | Fund up to $2,500 | Promo | |
Consumers Credit Union (Ridgewood) |
Chase Freedom, Chase Hyatt, Citi Double Cash, Schwab Visa | Citi AAdvantage | Fund up to $1000. | |
Easthampton Savings Bank |
Fund up to $1,000 on Visa, MasterCard, Discover | Promo | ||
Elevations Credit Union |
Chase Sapphire Preferred | Fund up to $10000. | ||
Fidelity Bank |
Fund up to $500 | Promo | ||
FirstBank |
Chase Freedom Unlimited | Fund up to $600 | Promo | |
First Citizen’s Bank |
Barclay Sallie Mae, Chase Sapphire Preferred | Fund up to $1000. | Promo | |
FirstMerit Bank |
Citi AA Platinum | Chase Sapphire Preferred, Barclays cards | Fund up to $10000 with Visa/MasterCard | Promo |
First National Bank |
Amex Everyday, Amex Mercedes Benz Platinum. Appears all payment networks accepted. | Fund up to $499 | Promo | |
First Niagara Bank |
Barclay Arrival, Capital One MasterCard, Capital One Venture, Chase Freedom, Chase Sapphire Preferred, Chase Southwest, US Bank | All Citi Cards, Discover | Fund up to $1000. AMEX is not accepted. | Promo |
First Tennessee Bank |
Barclays Arrival Plus/NFL, Capital One Venture, Chase Freedom/Hyatt/Sapphire Preferred/Southwest Premier/Ink Plus, Citi Business AA/Double Cash/Premier | Fund up to $300. | Promo | |
GTE Financial |
Chase | Fund up to $215. | Promo | |
Harborone Bank |
Fund up to $500 | Promo | ||
Key Bank |
BoA Alaska Airlines, Barclays Aviator, Chase Freedom, Chase Sapphire Preferred, Citi Premier, Chase Sapphire Reserve, Chase Southwest, Citi Double Cash/Premier, Citizens Cashback Plus World MasterCard | Fund up to $100. | Promo | |
Liberty Bank |
Fund up to $500 | Promo | ||
Memory Bank |
Fund up to $500 | Promo | ||
MountainOne Bank |
Discover | Chase | Fund up to $1000. | Promo |
Nassau Financial Federal CU |
Visa/MasterCard | Fund up to $500 | Promo | |
Newtown Savings Bank |
Fund up to $1000 | Promo | ||
Northpointe Bank |
Citi Double Cash | Fund up to $100 with credit/debit card | Promo | |
Northwest Bank |
Fund up to $1,000 with a credit card | Promo | ||
Northwest Savings Bank |
Barclays Arrival, Barclays Priceline Card, Chase IHG | Fund up to $1000 | Promo | |
Ocean First Bank |
BoA cards, Chase Marriott Business/Sapphire Preferred/Sapphire Reserve, Citi AA, Santander credit card | Fund up to $2500. | Promo | |
Orange County CU |
Capital One Spark, Chase British Airways, Citi Cards | Bank of America cards | Fund up to $5,000 with Visa/MasterCard | Promo |
Pinnacle Bank |
BoA Virgin Atlantic, Capital One Venture, Chase AARP/Hyatt/Ink/Ritz-Carlton/Sapphir Preferred/United, Citi American Airlines Business/Double Cash/Hilton/Premier, Fidelity cards | Fund up to $1000. | Promo | |
PNC |
Barclays Arrival/Lufthansa, BoA Alaska Airlines/Cash Rewards/Merrill, Chase British Airways/Sapphire Preferred/Sapphire Reserve/Freedom/Ink Plus/United/Southwest, Citi Double Cash/Hilton/Premier/AAdvantage | Barclay US Airways, Capital One | *User has reported it’s only up to $100 now.
Fund up to $2,000 with a Visa or Mastercard. |
Promo |
Premier America Credit Union |
Fund at least $500 depending on the Checking account chosen. | Promo | ||
Radius Bank |
BoA Cash Rewards, Chase AARP/Hyatt, Citi Double Cash/Hilton, Barclays Wyndham, Priceline credit card | Fund up to $1000. | Promo | |
Regions Bank |
Barclays Arrival, Capital One Venture, Chase British Airways/Ink Plus/Marriott/Sapphire Preferred/Southwest, Citi Double Cash | Fund up to $1000. | Promo | |
Republic Bank |
Chase Freedom | Fund up to $500 with Visa/MasterCard | Promo | |
S&T Bank |
Fund up to $100 with credit card | Promo | ||
Sandy Spring Bank |
Fund up to $250 with Visa/MasterCard | Promo | ||
Santander Bank |
BoA Alaska Airlines/Cash Rewards/Travel Rewards, Barlcays Aviator Red/NFL, Capital One Venture/Journey, Chase AARP/Sapphire Preferred/Sapphire Reserve/Freedom/Southwest/Ink/United, Citi American Airlines/Hilton/ThankYou Premier, Fidelity | Citi MasterCard, Citi Prestige, Discover | Fund up to $500 with a Visa or Mastercard. | Promo |
Star One Credit Union |
Citi Premier, Chase BA Avios | Fund up to $1000. | Promo | |
SunTrust Bank |
Barclays Arrival Plus/Priceline Visa, Citi cards, NFCU | Barclays AA/Arrival/US Airways, BoA cards, Chase cards, Citi Hilton | Fund up to $250 | Promo |
Tech CU |
Amex Everyday, BOA Alaska/Cash Rewards, Capital One Business Spark, Citi Cards, Chase Cards, Barclay Cards, US Bank Cards | Discover cards | Fund up to $125 | Promo |
TD Bank |
BoA Cash Rewards, Citi AA/Hilton Honors Visa, US Bank FlexPerks | *Many say Chase cards will revert to As Purchase after originally coding as Cash Advance.
Capital One Spark Business, Chase Freedom Unlimited/Ink Cash/Marriott Business/Sapphire Preferred/Sapphire Reserve/United, Barclays Arrival/CashForward, Citi AA Platinum/Double Cash, Visa gift cards |
Fund up to $300 | Promo |
U.S. Bank |
BoA Alaska Airlines/Cash Rewards/Virgin Atlantic, Barclays Arrival/Aviator/CashForward, BBVA NBA, Capital One Venture, Chase AARP/Amazon/British Airways/Freedom/Hilton/Hyatt/United/Sapphire Preferred/Sapphire Reserve/Southwest, Citi AA Platinum Select/HHonors Reserve/Hilton/Premier/Prestige, Capital One Quicksilver/Venture, Discover, First Tennessee Visa Signature, Penfed, TD Ameritrade | American Express Everyday/Everyday Preferred/Business Platinum/SimplyCash/SPG, Barlcays Arrival, BoA Cash Rewards, Discover, US Bank Cards, Wells Fargo Propel | Fund up to $500. | Promo |
Union Bank and Trust |
Fudn up to $2,000 | Promo | ||
Wells Fargo |
Chase Ink/Sapphire Reserve/Sapphire Preferred, Citi, Barclay Arrival, BoA Alaska | All Citi Cards, Capital One | Fund up to $50 with Visa or Mastercard. | Promo |
| Featured Promotions | ||
|---|---|---|
| Chase Total Checking® + Savings℠ | Chase Premier Plus Checking℠ | Chase Total Business Checking® |
 |  |  |
| $350 Bonus | $300 Bonus | $200 Bonus |
| Review | Review | Review |
| Chase College Checking℠ | HSBC Premier Checking | HSBC Advance Checking |
 |  | |
| $100 Bonus | $750 Bonus. Member FDIC | $350 Bonus. Member FDIC |
| Review | Review | Review |
Bank Accounts That Can’t Be Funded With Credit Cards
People have reported that the banks below don’t allow credit card funding when opening an account.
- ACNB Bank
- America’s Credit Union
- Apple Bank
- Astoria Bank
- Avidia Bank
- Bank Direct
- Capital One 360
- Centennial Bank & Trust
- Citibank
- Charles Schwab Checking
- Clearview Federal Credit Union
- Columbia Bank
- Discover Bank
- Dollar Bank
- ESL Federal Credit Union
- Fifth Third (5/3rd)
- Five Star Bank
- Freedom Credit Union
- Freedom Federal Credit Union
- Fremont Bank
- Greater Nevada Credit Union
- HomeStreet Bank
- HSBC
- Huntington Bank
- IBERIABANK
- Ideal Credit Union
- Johnson Bank
- JSC Federal Credit Union
- MB Financial Bank
- Mango Bank
- M&T Bank
- My Banking Direct
- Nationwide Bank
- NorthShore Credit Union
- Nutmeg State Financial Credit Union
- Pacific Service Credit Union
- Peoples Bank
- Popular Bank
- Salem Five Bank
- Talmer Bank & Trust
- TDECU
- Union Plus Prepaid
- Webster Bank
- Whitney Bank
- Valley National Bank
Popular Bank Promotions You May Like:
- CIT Bank Promotions: Online Money Market Account 1.85% APY Offer
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- BBVA Compass Bank Promotions: $150, $200, $250 Checking/Savings Bonuses
- Chase Student Checking Promotions: $100 Chase College Checking℠ Bonus
- Chase Bank Business Checking Promotion: $200 Sign-Up Cash Bonus
- Chase Total Checking Account Bonus: $200 Coupon Available Online
- Chase Coupon Promo Codes: $200, $300, $350, $500 – September 2018
- HSBC Bank $350 & $750 Checking Account Bonuses
- Chase Premier Plus Checking℠ Bonus: $300 Coupon Offer
- Simple Bank Review & Bonus Offer: Unlimited $20 Referrals
*Please share any personal experience you have on using credit cards to fund an account opening by commenting below. Thanks!
I just tried to open a BBVA account, funding $5,000. Funding was repeatedly declined, and I called Citi, they said it was coming through as a cash advance (thankfully my CA limit is only 2,000 – so I wasn’t hit with CA fees).
OC credit Union Bank only allow $100 to be funded using credit card online on first initial deposit. It will record in your credit card (CITI AA) as a purchase. But after that if you want to fund more you need to go in-branch and they may coded as a cash advance. I spoke to the rep this morning.
PNC allows only $100 to be funded with a CC. I just called them up.
Thanks for the data Cam!
Not true if you apply online. I just opened a new checking account with $2,000 from Chase Ink Preferred Visa
If you fund a bank with cc, posting as purchase, then can you continue to deposit via cc to acct or is it just the initial funding for new acct opening?
Just initial deposit