Are you struggling to meet the minimum spending requirements to get sign-up bonuses on your credit cards? Well, look no further. If you didn’t know, you are able to fund your bank account through credit card transactions. You’ll be able to earn cash back deals and meet credit card spending requirements by learning which banks allow you to fund accounts with credit cards.
We are doing our best to give you the best deals possible when it comes to bank bonuses. By strategizing and combining specific cards with different banks, your initial funding may be recorded as a sale/purchase that will not count as a cash advance. This means more money for you!
Scroll down for more information.
| BONUS LINK | OFFER | REVIEW |
| Chase Business Complete Checking® | $300 or $500 Cash | Review |
| Chase Private Client | $3,000 Cash | Review |
| Chase Total Checking® | $300 Cash | Review |
| Chase College CheckingSM | $100 Cash | Review |
| J.P. Morgan Self-Directed Investing | Up To $700 Cash | Review |
| Chase Secure BankingSM | $100 Cash | Review |
Below, you will find a table that separates different credit card funding methods into purchases and cash advances. Cash advances often come with fees that will, in the end, terminate your earnings; try to stray away from those. In order to avoid cash advance fees, set your credit card cash advance limit to $0. You can do this through the banks’ online portals or by speaking to a bank representative.
Disclaimer: BankCheckingSavings does not guarantee that these funding methods will be successful for everyone. Please double-check by reading the fine print or contacting a bank representative to verify the information. YMMV with the information below.
1st Mariner Bank Penfed Platinum VISA, Schwab Bank of America, Barclaycard Arrival, Chase Rapid Rewards, Citi AA Fund up to $2500. Amex card not accepted. Review
1st United Credit Union Chase Hyatt 1, Chase Ink Preferred 1, Chase Marriott 1, Citi Doublecash 1 Bank of America 1, Barclaycard Arrival, Chase Rapid Rewards, Citi AA Fund account up to $2000. Review
Agricultural Federal Credit Union Barclaycard: Arrival Plus
Chase: Freedom, Ink, IHG
US Bank: Club CarlsonCiti AA You can fund up to $1,500 initially with a credit card. Review
Alabama Credit Union BarclayCards You can fund up to $500 with a credit card. Review
Amalgamated Bank BoA: Alaska, Cash Rewards
BarclayCard: Arrival Plus, Aviator
Capital One Cards
Chase: Freedom, Freedom Unlimited, Hyatt, INK, IHG, Marriot, Business Marriott, Sapphire Preferred, Sapphire Reserve, Southwest, United
Citi: American Airlines, Prestige, Double Cash
TD Ameritrade Client VISAArrival Plus You can fund up to $500 with a VISA/MC. Fund another $500 with Savings Review
American Eagle Financial Credit Union Citi: Double Cash You can fund up to $500 with a VISA/MC/AMEX Review
America’s Credit Union None 1 None 1 This credit union does not accept online credit card funding. Review
Andigo Chase IHG 1 Can fund up to $500 (American Express, Visa, Mastercard & Discover all accepted) Review
American Heritage Federal Credit Union No info regarding coding No info regarding coding Accepts all credit cards and you can fund up to $500. Review
Arizona State Credit Union Unknown 1 Unknown 1 You can fund your account with up to $2500 from a credit card. Review
Associated Bank Barclay Arrival 1, Chase Freedom, Ink 1, Citi Double Cash 1, Barclay Arrival You can fund a new account with up to $200 from a credit card, AMEX is not accepted. Review
Bankers Trust No info regarding coding No info regarding coding Accepts all credit cards. Limit currently unknown Review
BankESB BoA: AmTrak
Chase: British Airways, Freedom, IHG, Sapphire Preferred, Sapphire Reserve
Citi: PrestigeDiscover You can fund up to $1,000 on VISA, MC, Discover Review
Bank of America None None Does not allow credit card funding, but you can with debit card up to $300 Review
Bank of Colorado Chase: Freedom, Freedom Unlimited, IHG, INK, Southwest Unknown You can fund up to $1,000 on a Credit Card Review
Bank of the West BoA: Cash Rewards
Capital One: Venture, Journey
Chase: Freedom Unlimited, Hyatt
Citi: AA
Fidelity VISAUnknown Unknown Review
BankWell VISA, MC, Discover Unknown You can fund up to $500 on VISA, MC Review
BBVA Compass BoA Alaska Airlines
British Airways/Merril, Citi AABofA Alaska, Barclay Priceline and Chase Hyatt cards showing as cash advance. 1 Chase British Airways/Business United/Marriott Business/Sapphire Reserve, Chase Sapphire Preferred 1 Capital One Cashback, Quicksilver1 Fund up to $5k, (Amex & Mastercard not allowed) Only personal cards are allowed and seems like you can also fund savings account for another $5k Review
Blue Hills Bank Barclay Arrival 1, Barclay Miles & More 1 You can fund a new account with up to $1000 from a credit card. Review
Blue Federal Credit Union None 1 You can fund a new account with up to $3,000 Review
BMO Harris Bank None 1 None 1 Does not allow credit card funding Review
Cambridge
Savings BankChase Ink Preferred 1 Fund up to $1,000 with Visa/MasterCard/Discover (AMEX not accepted) Review
Camden National Bank Fund up to $500 with a Visa or MasterCard Review
Chase ThankYou Premier, PenFed Rewards VISA Barclay Arrival Plus, Barclay Sallie Mae, Barclay US Airways, Capital One cards, Chase cards, Fidelity Visa, Citi Cards You can fund up to $500. Review
Chartway Federal Credit Union BoA Alaska Airways 1, Chase Freedom 1, US Bank Club Carlson 1 You can fund a new account with up to $1500 from a credit card. Review
Christian Community Credit Union Fund up to $100 Review
CitadelCredit Union Fund up to $500 Review
Citibank None None Does not allow credit card funding Review
Citizens Bank BoA Alaska Airways 1, BoA Travel Rewards 1, Chase Freedom 1 Barclaycard Arrival, Citi ThankYou Preferred/ThankYou Premier, Discover it, USAA cards Citizens Bank allows credit card funding up to $1,000. Review
Clearview Federal Credit Union Chase Sapphire Preferred Fund up to $500 with Visa or Mastercard only Review
Clinton Savings Bank Chase IGH 1, Citi Double Cash 1 Fund up to $1000 with Visa, Mastercard & Discover Review
Columbia Credit Union Bank of America Card Fund up to $2,500 Review
CommunityAmerica Credit Union Commerce Bank Cash Back card 1 Fund at least $2,000 Review
Consumers Credit Union Chase Freedom 1, Chase Hyatt 1, Citi Double Cash 1, Schwab Visa 1 Citi AAdvantage 1 You can fund a new account with up to $1000 from a Visa, MasterCard, or AMEX Review
Credit Union One Review
Discover Bank None None Discover Bank does not allow credit card funding Review
Elevations Credit Union Chase Sapphire Preferred 1 You can fund a new account with up to $10000. Review
Fidelity Bank (PA) Citi Double Cash Fund up to $500 with a credit card (doesn’t matter how many accounts you open $500 is the limit). Can use Visa, Mastercard, American Express or Discover. Review
First Advantage Bank Chase Ink Business 1, Discover1 Fund up to $10,000 Review
FirstBank Chase Freedom Unlimited 1 U.S. Bank Club Carlson1 Fund up to $600 Review
First Citizens Bank Barclay Sallie Mae 1, Chase Sapphire Preferred 1 You can fund a new account with up to $1000. Review
FirstMerit Bank Chase Sapphire Preferred 1 You can fund a new account with up to $10000. Review
First Midwest Bank Non AMEX Card 1 You can fund your credit card up to $2500 as long as it’s not an Amex card. Review
First National Bank Amex Everyday, Amex Mercedes Benz Platinum. Appears all payment networks accepted. Fund up to $499 Review
First Niagara Bank Barclay Arrival 1, Capital One MasterCard1, Capital One Venture 1, 2, Chase Freedom 1, 2, Chase Sapphire Preferred 1, Chase Southwest 1, US Bank 1 All Citi Cards 1, Discover 1, 2 You can fund a new account with up to $1000. AMEX is not accepted. Review
First Tennessee Bank Chase Ink Plus 1, Chase Sapphire Preferred 1, Citi Double Cash 1 Barclaycard Arrival Plus/NFL, Capital One Venture, Chase Freedom/Hyatt/Southwest Premier, Citi Business AA/Premier You can fund a new account with up to $300. Review
First United Bank You can fund a new account with up to $200. (Visa, Mastercard & Discover ) Review
GTE Financial Chase 1 You can fund a new account with up to $5000. Review
HarborOne Bank Chase Sapphire Reserve1, Citi American Airlines Business1, Citi ATT Access More1 You can fund a new account with up to $500. Review
iBERIABANK Chase Hyatt1 You can fund a new account with up to $500. Review
Justice FCU Chase Freedom 1, Chase Sapphire Preferred 1 You can fund a new account with up to $1000 with Visa and Mastercard Review
Key Bank Chase Freedom 1, 2, 3, Chase Sapphire Preferred 1, Citi Premier 1 BoA Alaska Airlines, Barclaycard Aviator, Chase Sapphire Reserve, Chase Southwest, Citi Double Cash, Citizens Cashback Plus World MasterCard You can fund a new account with up to $100. Review
Liberty Bank Visa 1 You can fund a new account with up to $500. Review
Los Angeles Federal Credit Union Chase Southwest Business 1 You can fund a new account with up to $500. Amex isn't accepted. Review
Mainstreet Credit Union You can fund a new account with up to $505. Review
Mazuma Credit Union Alliant Cash Visa Signature 1 You can fund a new account with up to $5000. Review
Memory Bank American Express Blue Business Plus1, American Express Delta Reserve1, American Express SPG Business1, Bank of America Travel Rewards1, Barclaycard Aviator1, Capital One Spark1, Chase Sapphire Preferred1, Chase Freedom1, Chase Freedom Unlimited1, Citi AA1 You can fund a new account with up to $500. Review
MountainOne Bank Discover 1 Chase 1 You can fund a new account with up to $1000. Review
NASA Federal Credit Union None 1 You can fund up to $500 with a credit card Review
Nassau Federal Credit Union Visa/MasterCard Fund up to $500 Review
Navy Federal Credit Union Fidelity visa Fund up to $250 (Visa, Mastercard or Discover) Review
Newtown Savings Bank Chase SW Premier Card 1 Fund up to $1,000 Review
Northpointe Bank Citi Double Cash Fund up to $100 with credit/debit card Review
North Shore Bank VISA/Mastercard Fund up to $5000 with credit/debit card Review
Northwest Savings Bank Barclaycard Arrival, Barclaycard Priceline Card, Chase IHG Fund up to $1000 Review
Ocean First Bank You can fund a new account with up to $100. Review
Ocean First Bank Chase 1 BoA cards, Chase Marriott Business/Sapphire Preferred/Sapphire Reserve, Citi AA, Santander credit card You can fund a new account with up to $2500. Review
Old National Bank Barclaycard Arrival Plus1, Chase Southwest Plus 2, Citi American Airlines Business3, Citi Double cash4 You can fund a new account with up to $500. Review
Orange County Credit Union Capital One Spark, Chase British Airways, Citi Cards Bank of America cards Fund up to $5,000 with Visa/MasterCard Review
Pinnacle Bank Capital One Spark 1, Chase Hyatt 1, Chase Ink Bold 1, Chase Ritz Carlton 1, Chase Sapphire Preferred 1, Chase United 1, Citi Double Cash 1, Citi Premier 1, Fidelity 1 You can fund a new account with up to $5000. Review
PNC BoA Alaska Airlines 1, BoA Cash Rewards 1, Merrill+,
Chase Freedom 1, Chase Ink Plus 1, Chase Sapphire Preferred 1, Chase Sapphire Reserve, Chase Southwest 1, Chase United 1, Chase Hyatt, Chase Ink Plus, Chase Southwest, Citi Premier 1, Citi AAdvantage, Citi Hilton, Citi Double CashBarclay Arrival & Barclay US Airways 1, Capital One 1
Citi: American Airlines, PrestigeSome have reported it is only up to $100 now.
Allowed to fund up to $2,000 with a Visa or Mastercard credit card. Chase cards might start off as a cash advance and then revert to a purchase.Review
Provident Credit Union Barclay Arrival 1, Chase 1, 2, Chase Sapphire Preferred 1 Fund up to $1,000 with a credit card. Only Mastercard & Visa are accepted (No AmEx) Review
Radius Bank Citi Double Cash 1, Barclay Wyndham 1, Priceline 1 BoA Cash Rewards, Chase AARP/Hyatt, Citi Hilton You can fund a new account with up to $1000. Review
Regions Bank Chase Marriott 1, Chase Southwest 1, Citi Double Cash 1 Barclaycard Arrival, Capital One Venture, Chase British Airways/Ink Plus/Sapphire Preferred You can fund a new account with up to $1000 plus another $1K when you open a free savings account Review
Republic Bank Chase Freedom Fund up to $500 with Visa/MasterCard Review
Rivermark Community Credit Union Fund up to $2,520 Review
Rockland Trust Bank Barclaycard Arrival Plus 1, Chase Ink Preferred 1, Citi AA Platinum 1 Fund up to $2,500 with Visa, Mastercard, American Express & Discover Review
San Mateo Credit Union Fund up to $500 with Visa/MasterCard Review
S&T Bank Fund up to $100 online Review
Santander Bank Bank of America: Alaska Airlines, Cash Rewards, Travel Rewards,
Barclays NFL 1, Barclays Aviator Red, Chase AARP, Chase Freedom 1, Chase Sapphire Preferred1, Chase Sapphire Reserve, Chase United 1, Chase SouthWest, Ink.
Capital One: Venture, Journey
Citi: American Airlines, Hilton, ThankYou Premier
Fidelity VISA BoA Alaska Airlines/Cash Rewards/Travel Rewards, Barclays Aviator Red, Capital One Venture/Journey, Chase AARP/Sapphire Reserve/Southwest/Ink, Citi American Airlines/Hilton/ThankYou Premier, FidelityCiti MasterCard 1, Citi Prestige 1, Discover 1 Allowed to fund it up to $500 with a Visa or Mastercard. Review
Signature Bank of Georgia Fund with Visa, Mastercard or Discover (Unsure on limit or what counts as a purchase/cash advance) Review
Star One Credit Union Citi Premier, Chase BA Avios Fund account up to $1,000 Review
State Bank of India Fund account up to $3,000 with a Visa or Mastercard Review
SunTrust Bank Citi Dividend Mastercard 1 You can fund a new account with up to $250 now Review
TCF Bank Citi Double Cash 1 Fund up to $1,000 Review
TD Bank BoA Cash Rewards, Citi AA/Hilton Honors Visa, US Bank FlexPerks *Many have reported that 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, Barclaycard Arrival/CashForward, Citi AA Platinum/Double Cash, Visa gift cardsFund up to $1,000 with debit/credit card (for the Premier checking, unsure if the amount varies by account type) 1 Review
Tech Credit Union 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 Review
TruWest Credit Union Fund up to $5000 (No info on what counts as purchase or cash advance) Review
Unitus Community Credit Union Fund up to $750 on a credit card. (No datapoint on whether it's cash advance or purchase yet) Review
Unify Financial Credit Union Fund up to $25 on VISA/MasterCard/Discover Review
Union Bank & Trust You can fund your account with up to $2,000 on a credit card. Review
U.S. Bank BoA Alaska Airlines 1, BoA Virgin Atlantic 1, Barclay Arrival 1, Barclay Aviator 1, Barclay CashForward, Capital One Quicksilver 1, 2, Capital One Venture 1, Chase Brit Airways 1, Chase Freedom 1, Chase Hilton 1, Chase United 1, Chase Southwest 1, Chase AARP, Amazon, Hyatt, Sapphire Reserve, Sapphire Preferred
Citi HHonors Reserve 1, Citi Prestige 1, Citi Premier, Citi AA Platinum Select, Hilton.
Discover 1, First Tennessee VISA, Ameritrade Card, Penfed PlatinumAmerican Express Everyday, Everyday Preferred, Business Platinum, SimplyCash, Starwood Preferred, Barlcays Arrival, BoA Cash Rewards, Discover, US Bank Cards, Wells Fargo Propel You can fund your account with up to $500 on a credit card. Review
Wells Fargo BoA Alaska Airlines 1, Chase Ink 1, Chase Sapphire 1, Chase Sapphire Reserve, Citi, Barclay Arrival, BoA Alaska All Citi Cards 1, 2, Discover 1 You can only use a Visa or Mastercard to fund the account with up to $50 Review
Westfield Bank You can fund your account with up to $500 on a credit card. (Unsure what counts as a purchase/cash advance) Review
Xenith Bank You can fund your account with up to $2,000 on a credit card. (Unsure what counts as a purchase/cash advance) Review
Banks With No Credit Card Funding:
- 1st Constitution Bank
- ableBank
- ACNB Bank
- All America Bank
- Alliant Credit Union
- Ally Bank
- Apple Bank
- AnchorBank
- Astoria Bank
- Avidia Bank
- BancorpSouth
- Bank of Canton
- Bank Direct
- Bank & Trust
- BankHometown
- BankPurely
- BECU
- Bellco Credit Union
- BMT (Bryn Mawr Trust)
- Bridge Credit Union
- Bridgeview Bank Group
- Brightpeak Financial
- Carver Federal Savings Bank
- CCFBank
- CEFCU
- Charles Schwab Checking
- CIBC Bank
- Cinfed Credit Union
- CIT Bank
- Columbia Bank (NJ)
- Commerce Bank (MO, KS, IL, OK & CO)
- ConnexUs Credit Union
- Customers Bank
- DimeDirect
- Dollar Bank
- Dollar Savings Bank
- Elements Financial
- ESL Federal Credit Union
- First Bank And Trust
- First Bank Financial Centre (FBFC)
- FCB South County Bank
- Fifth Third (5/3rd)
- First Republic Bank
- First Tech Federal Credit Union
- First Trade Union Bank (FTUB)
- Five Star Bank
- Freedom Credit Union
- Freedom Federal Credit Union
- Fremont Bank
- Fulton Bank
- Georgia Banking Company (GBC)
- Global Credit Union
- Greater Nevada Credit Union
- Great Southern Bank
- Heritage Credit Union
- Home Savings Bank
- HomeStreet Bank
- Horizon Bank
- HSBC
- Huntington Bank
- ICBC USA
- Ideal Credit Union
- Industrial Bank
- INOVA Federal Credit Union
- Integrity Bank
- Investors Bank
- Iowa State Bank
- Johnson Bank
- JSC Federal Credit Union
- Lakeland Bank
- LegacyTexas
- Level One Bank
- MB Financial Bank
- Mango Bank
- MidFirst Bank
- Midwest Regional Bank
- M&T Bank
- MVB Bank
- My Banking Direct
- Nationwide Bank
- Nevada State Bank
- New Buffalo Savings Bank
- Newton Federal Bank
- Northpointe Bank
- NorthShore Credit Union
- NRLFCU
- Nutmeng State Financial Credit Union
- NYCB Family Of Banks
- Old Missouri Bank
- Old Second Bank
- One American Bank
- Pacific Service Credit Union
- Parkside Credit Union
- Patelco Credit Union
- Pathways Financial Credit Union
- PeoplesBank
- Peoples United Bank
- Polam Federal Credit Union
- Popular Bank
- Salem Five Bank
- Scient Federal Credit Union
- Security Service Federal Credit Union
- SENB Bank
- Solvay Bank
- Sound Community Bank
- Space Coast Credit Union
- Stoneham Bank
- Talmer Bank & Trust
- Texell Credit Union
- TDECU
- TIAA Direct
- Town Bank
- Town and Country Bank
- TruStone Financial
- Union Bank
- Union Plus Prepaid
- Unity Bank
- Univest
- Webster Bank
- Whitney Bank
- Wintrust Bank
- Valley National Bank
Elevations Credit Union does not today accept CD funding through use of a credit card. However, debit cards are OK and acceptable for this purpose.
08/25/2018: First National Bank. Max of $50 AMEX funding
08/25/2018: Consumers Credit Union. Max of $200 AMEX funding
FirstMerit Bank no longer exists per se. It was absorbed into Huntington Bank in 2016.
GTE limit is reportedly $215 now
FirstMetrit reroutes to Huntington Bank
Funded PNC checking and savings for my wife with $2k each using CSP. Funded PNC checking for me with $2k using CSR but they wouldn’t let me open a savings for myself online and they don’t allow CC funding in branch. Instead I funded 1st Mariner checking with $2k using CSR. All 4 cleared as purchases.
Man I was planning on doing this, but I just called Chase and they said all transactions with financial institutions will be coded as cash advance. This is Jan 2018, so they must have changed the rules. I guess I’m going to hold off unless I can get some verification that I can still do this with the CSP at PNC.
Did you get that verification? What’s the status?
Opened a PNC account today and was able to fund $2k from chase southwest CC. Still a pending charge but seems to have gone through as a purchase
I tried to use my United Club card, but the PNC branch said PNC stopped accepting credit cards for funding a year ago. I had already opened a checking account…the folks at the branch said they removed the machine to accept “cash advances” from credit cards a while ago. They said I could use the atm for a cash advance which is not going to work. I had lowered my cash advance limit to $100 with Chase. Any suggestions here?
I have pnc, can you fund it for me
Did you apply online or at a branch? And this can be a general question: does applying for a bank account and funding it with a credit card count as Cash Advance always or it may still count as a Purchase?
The amound above are out of Date. Citi does not ahve credit card funding anymore, and many of the amounts have dropped
Correct. It has been updated.