List Of Methods Banks Count As Direct Deposits

· Credit · By ReportWire

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

Alliant Credit Union

Ally

  • Charles Schwab: 1, 2,
  • Chase: 1,
  • Wise: 1, 2, 3, 4, 5 (didn’t work)

American Express

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

Checking

  • Ally: 1, 2, 3 (didn’t work), 4 (didn’t work)
  • Charles Schwab: 1, 2,
  • Chase business: 1, 2, 3 (didn’t work), 4,
  • Fidelity: 1, 2, 3, 4, 5, 6, 7, 8, 9,
  • Merill Edge: 1,
  • Robinhood: 1,
  • TreasuryDirect: 1, 2,
  • Wise: 1, 2, 3,

Bluebird:

The following count as a direct deposit

Serve:

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

Bank of America

The following count as a direct deposit:

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:
  • Capital One: 1
  • Chase: 1 (does work to waive fee, not for bonus), 2,
  • Charles Schwab: 1, 2, 3 (did work)
  • Discover: 1 (does work to waive fee, not for bonus), 2,
  • Fidelity: 1, 2,
  • HSBC: 1
  • Paypal (1, 2), there is evidence of it working previously (1, 2, 3) but this has now been shut down.
  • PurePoint financial: 1,
  • BofA user to user transfers (1)
  • Robinhood: 1, 2, 3,
  • USAA: 1,
  • 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, 14, 15, 16, 17, 18, 19, 20 (didn’t work)
  • Acorns: 1, 2 (didn’t work)
  • Affinity: 1,
  • AirBnB: 1, 2 (didn’t work), 3 (did work)
  • Alliant: 1, 2, 3 (did work), 4 (didn’t work)
  • Ally: 1,
  • Amazon Payments: 1, 2, 3, 4, 5, 6 (didn’t work), 7,
  • America First Credit Union: 1 (in branch)
  • American Express:
    • Redcard: 1
    • Serve: 1, 2, 3, 4, 5 Didn’t work: 1 (worked again), 2 (didn’t work), 3 (didn’t work)
    • Business: 1,
  • Ameritrade: 1,
  • Apple Cash: 1,
  • Aspiration: 1, 2 (didn’t work)
  • BeFrugal: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8 (didn’t work)
  • Barclays Online Saving: 1, 2, 3, 4, 5, 6, 7, 8
  • Barclays cash back: 1, 2,
  • Capital One: 1 ,2 (worked), 3 (didn’t work),
  • CardCash: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8 (didn’t work)
  • Cash app: 1, 2 (didn’t work)
  • CBC Federal Credit Union: 1,
  • CCUIL ACH: 1,
  • Central Credit Union: 1,
  • Chase business checking: 1, 2, 3,
  • Charles Schwab: 1 (brokerage)
  • Chime: 1, 2 (didn’t work)
  • Chrome river: 1,
  • Circle Pay: 1, 2, 3,
  • CIT Bank (not Citi): 1,
  • Connexus FCU: 1, 2,
  • Consumers Credit Union: 1, 2, 3, 4, 5, 6 (didn’t work)
  • Discover Savings: 1, 2, 3, 4, 5, 6, 7, 8 (didn’t work), 9, 10, 11, 12, 13 (didn’t work), 14 (didn’t work), 15 (didn’t work), 16 (didn’t work) 17 (didn’t work)
  • DoorDash: 1, 2,
  • Dosh: 1, 2, 3, 4 (didn’t work)
  • Dwolla: 1,
  • eBay: 1, 2 (didn’t work) 3, 4, 5, 6,
  • Elements Financial: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 (didn’t work)
  • E*Trade: 1, 2, 3 (didn’t work), 4 (did work), 5 (did work), 6, 7, 8 (didn’t work), 9 (didn’t work), 10 (didn’t work), 11 (didn’t work)
  • Etsy: 1,
  • 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, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, (didn’t work), 38, 39, 40 (didn’t work), 41, 42 (didn’t work), 43, 44 (didn’t work), 45 (didn’t work) 46 (didn’t work), 47 (didn’t work), 48, 49, 50 (didn’t work), 51, 52, 53, 
  • Fidelity CMA: 1, 2, 3, 4, 5, 6, 7 (didn’t work)
  • First Green Bank: 1 (via e-mail on 04/18/2018)
  • First Technology Credit Union: 1, 2, 3, 4, 5, 6 (didn’t work)
  • Firstrade: 1,
  • Freshbooks WePay: 1, 2,
  • Goldman Sachs: 1
  • Goat: 1,
  • Google Adsense: 1
  • Gulf Winds Federal Credit Union: 1,
  • Gusto: 1
  • Invstr: 1,
  • Keesler Federal: 1,
  • Langley Federal Credit Union: 1,
  • MarketForce Payroll: 1,
  • Mercari: 1, 2,
  • Merrill Edge: 1, 2 (didn’t work), 3 (didn’t work)
  • M1Finance: 1, 2,
  • Motif Investing: 1, 2,
  • Mountain America Credit Union: 1
  • mph.bank: 1, 2,
  • M&T Bank: 1, 2, 3, 4, 5, 6, 7,8 (didn’t work)
  • M1 Finance: 1,
  • Nearside: 1,
  • Northern Bank: 1,
  • NorthOne: 1, 2 (didn’t work)
  • Orion: 1,
  • Payooner: 1
  • PenFed: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 (didn’t work)
  • Poshmark: 1, 2,
  • Provident Credit Union: 1, 2, 3, 4,
  • Raise: 1, 2,
  • Relay: 1,
  • Robinhood: 1, 2, 3, 4, 5 (e-mail on 06/21/17)s, 6, 7, 8, 9, 10, 11, 12, 13, 14 (didn’t work), 15 (didn’t work)
  • Schools First: 1
  • Robinhood: 1, 2, 3, 4, 5 (no longer working) 6 (worked) 7, 8 (didn’t work), 9 (didn’t work), 10 (didn’t work)
  • Santander: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14 (didn’t work)
  • SchoolFirst: 1, 2, 3, 4 (didn’t work)
  • SoFi Invest: 1,
  • SoFi Money: 1, 2, 3, 4 (didn’t work), 5,
  • Square: 1, 2, 3, 4, 5, 6, 7, 8,
  • Stanford FCU: 1,
  • Stockx: 1,
  • Suncoast: 1,
  • TD Ameritrade: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 (didn’t work), 14, 15 (didn’t work)
  • Tech Credit Union: 1, 2, 3 (didn’t work)
  • The Knot (wedding registry): 1,
  • T-Mobile Money: 1, 2, 3, 4, 5, 6 (didn’t trigger it)
  • 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), 19 (didn’t work)
  • Transferwise: 1, 2, 3 (didn’t work), 4 (did work), 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17 (didn’t work), 18, 19, 20, 21, 22 (didn’t work)
  • TreausryDirect: 1, 2, 3, 4, 5, 6, 
  • Uber: 1, 2, 3 (eats), 4,
  • University Federal Credit Union: 1, 2,
  • Upwork: 1, 2 (via e-mail on 2/12/19),
  • U.S. Bank
  • USAA: 1 2, (didn’t work)
  • Vanguard Brokerage: 1, 2, 3, 4, 5 (didn’t work), 6, 7, 8, 9, 10, 11, 12, 13, 14 (didn’t work), 15 (didn’t work)
  • WealthFront: 1, 2, 3, 4, 5, 6, 7, 8, 9 (didn’t work)
  • 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)
  • Wisebanyan: 1, 2,

The following do not work:

  • Alliant: 1, 2, 3, 4, 5, 6, 7, 
  • Ally: 1, 2, 3, 4, 5,
  • America First Credit Union: 1 (online)
  • American Express Savings: 1,
  • American Express Business: 1,
  • Apple Pay Cash: 1,
  • Barclaycard Savings: 1, 2, 3
  • Bank of America: 1, 2
  • Betterment: 1,
  • BMO Harris: 1,
  • Boeing Employees Credit Union: 1,
  • Capital One: 1, 2,
  • Capital One 360: 1, 2 (savings), 3, 4,
  • Cardcash: 1, 2,
  • Charles Schwab: 1 (checking), 2, 3 (brokerage), 4, 5 (brokerage), 6, 7, 8,
  • Chase Business: 1
  • Chase credit card cash back: 1,
  • Citi ACH: 1
  • Citizens Bank: 1,
  • Coinbase: 1, 2,
  • Comerica Bank: 1,
  • DoorDash: 1,
  • Discover: 1, 2, 3, 4,
  • Excite Credit Union: 1,
  • Fidelity: 1,
  • FNBO: 1
  • Hancock Whitney: 1,
  • Huntington: 1
  • Ibotta: 1,
  • Inspirus: 1,
  • Investor Bank: 1,
  • IRS: 1, 2, 3, 4,
  • Kabbage: 1,
  • Keybank: 1,
  • Marcus Bank: 1,
  • Mercari: 1,
  • Moomoo: 1,
  • NFCU: 1,
  • Optum Bank: 1,
  • Orange County’s: 1,
  • Paypal: 1, 2, 3, 4, 5,
  • PNC: 1, 2
  • Quorum FCU: 1
  • Raise: 1, 2,
  • Santander: 1
  • Square Cash.me: 1
  • Signature FCU: 1,
  • Tax refund: 1,
  • TD Ameritrade: 1, 2,
  • TD Bank: 1,
  • Thrivent: 1,
  • Topcashback: 1,
  • Upgrade: 1, 2,
  • U.S. Bank: 1
  • USAA: 1 (1 does work), 2, 3,
  • VantageWest: 1
  • Venmo: 1, 2, 3, 4,
  • Wise: 1, 2,
  • Wells Fargo: 1, 2, 3, 4, 5, 6,
  • Wells Fargo Business: 1
  • Western Vista Federal Credit Union: 1,

[View current Chase sign up bonuses]

The following count as a direct deposit:

  • Ally ACH: 1, 2, 3, 4, 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: 1, 2, 3, 4, 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: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15
  • Barclays Online Saving: 1, 2, 3, 4
  • Capital One Savings: 1, 2
  • CCU ACH: 1
  • Discover Checking: 1, 2, 3, 4, 5https://www.doctorofcredit.com/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 , 3, 4 and 1, 2, 3, 4) but it’s now no longer working unfortunately (1, 2, 3, 4, 5). 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 (1, 2, 3)
  • Mango (1)
  • Paypal used to work (1, 2, 3) and now no longer works (1 2, 4, 5, 6, 7, 8, 9, 10)
  • PNC ACH: 1, 2
  • SDFCU: 1
  • TD Bank: 1
  • USAA: 1

Citibank

The following count as a direct deposit:

The following don’t count as direct deposit:

  • Barclaycard:
  • Google Pay:  1 (via e-mail on 5/27/19)
  • Paypal: 1 (somebody let me know via e-mail it no longer works) (used to work: 1, 2, 3), 4 (didn’t work via e-mail on 5/27/19)
  • Schwab Brokerage money link transfers (1)
  • TD Ameritrade: 1
  • USAA: 1 (via e-mail on 5/27/19)

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

HSBC

The following code as a direct deposit:

  • Ally: 1, 2, 3, 4 (Checking), 5, 6, 7, 8, 9, 10, 11, 12, 13,
  • American Express Bluebird: 1
  • Capital One 360: 1, 2 (Money Market), 3, 4 (didn’t work), 5, 6, 7,
  • Charles Schwab: 1, 2, 3 (didn’t work), 4,
  • Chase: 1, 2, 3, 4 (Instant Transfer), 5, 6, 7, 8,
  • Citi: 1,
  • Discover: 1 (Checking), 2 (Savings), 3 (Savings), 4, 5 (savings), 6, 7, 8,
  • PNC Checking: 1, 2, 3,
  • Robinhood: 1,
  • Santander: 1, 2,
  • Schwab Brokerage: 1
  • SoFi Money: 1, 2, 3,
  • Wells Fargo: 1, 2, 3, 4, 5

The following don’t code as a direct deposit:

Huntington Bank

The following count as a direct deposit:

  • Alliant: 1,
  • Ally: 1, 2, 3, 4, 5, 6,
  • Amazon Payments (1)
  • ACH Transfers: 1, 2, 3
  • Bluebird: 1
  • Capital One: 1
  • Charles Schwab: 1,
  • Chase: 1, 2, 3, 4, 5, 6,
  • Fidelity: 1, 2, 3,
  • PNC: 1, 2, 3,
  • SoFi: 1,

Key Bank

The following count as a direct deposit:

The following didn’t count as a direct deposit:

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

PenFed

  • Charles Schwab: 1,
  • Fidelity: 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)
  • Citi: 1,
  • eTrade: 1,
  • Keybank: 1,
  • Laurel Road: 1,
  • Liberty Bank: 1,
  • Tech CU: 1,

Santander Bank

Works (from August 2016 onwards)

Doesn’t work:

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

Truist

The following code as a direct deposit:

The following don’t code as a direct deposit:

  • Alliant: 1,
  • Ally: 1,
  • Discover: 1,
  • ETFCU: 1,
  • USAA: 1,

U.S. Bank

The following count as a direct deposit:

Wells Fargo

The following triggers the direct deposit requirement:

The following didn’t work:

  • INSPIREUS: 1,
  • Wealthfront Cash account: 1,

Credit Unions/Small Banks

121 Financial Credit Union

7 17 Credit Union

1st Advantage Federal Credit Union

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 Financial Federal Credit Union

1st Mariner Bank

1st Security Bank

1st Source Bank

The following worked as a direct deposit:

  • Charles Schwab: 1 (money link), 2 (brokerage)
  • Chase: 1,

1st United Credit Union

The following code as a direct deposit:

3Rivers Federal Credit Union

The following count as a direct deposit:

5Point Credit Union

AAC Credit Union

Abington Bank

Achieva Credit Union

ACNB Bank

Acorns

Addition Financial

The following code as a direct deposit:

  • Charles Schwab: 1, 2 (didn’t work)

Adirondack Bank

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). The following worked:

Advantage Bank

Advantage Credit Union

Advantis Credit Union

Adventure Credit Union

The following code as a direct deposit:

Advia Credit Union

Aero Federal Credit Union

AFFCU

Affiliated Bank

Affinity Federal Credit Union

The following code as a direct deposit:

  • Ally: 1, 2 (didn’t work)
  • Brex: 1,
  • Charles Schwab: 1, 2, 3, 4 (didn’t work)
  • Chase: 1,
  • Coinbase: 1, 2 (didn’t work)
  • Discover: 1, 2 (didn’t work)
  • Fidelity cash: 1,
  • IRS: 1,
  • Kabbage: 1,
  • Treasury direct: 1,
  • Wise: 1,

The following didn’t work:

  • Marcus: 1,
  • Orange FCU: 1,
  • Wells Fargo: 1,

Air Academy Federal Credit Union

Albert Neobank

The following worked as a direct deposit:

 

  • Bluevine: 1,
  • Brex: 1,
  • Chase business: 1,
  • DoorDash: 1,
  • Square: 1,
  • Wise: 1, 2,

The following didn’t work as a direct deposit:

  • Ally: 1,
  • American Express Business: 1,
  • Astra: 1,
  • Cash app: 1,
  • Chime: 1,
  • Charles Schwab: 1, 2,
  • Discover: 1,
  • M1: 1,
  • SoFi: 1,
  • Wells Fargo: 1,

Alcoa Tenn Federal Credit Union

Allegiance Credit Union

Allegius Credit Union

Allied First Bank

AllTru Credit Union

Alpena Alcona Area Credit Union

Aloha Pacific Federal Credit Union

AltaOne Federal Credit Union

Amalgamated Bank

Amboy Direct

Amerant Bank

The following code as a direct deposit:

American Bank

American Bank Center

American Bank & Trust

American Bank & Trust SD & MN

American Commerce Bank

American Eagle Financial Credit Union

The following code as a direct deposit:

America First Credit Union

American Eagle Credit Union

The following did work:

The following didn’t work:

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

American Enterprise Bank

American Investors Bank & Mortgage (AIBM)

American Heritage Credit Union

American Pride Bank

American Trust & Savings Bank

American United Federal Credit Union

America’s Christian Credit Union

AmeriCU Credit Union

Ameriprise Financial

Ameris Bank

The following coded as a direct deposit:

  • Charles Schwab: 1, 2,
  • Chase: 1, 2 (didn’t work)
  • TD Bank: 1,
  • Wise: 1,

ANB Bank

Anchor Bank

The following trigger the bonus:

Andigo Credit Union

The following triggered the bonus

  • Ally: 1,
  • American Express:
  • Charles Schwab: 1 (brokerage), 2 (didn’t work)
  • Fidelity: 1, 2,
  • PayPal: 1,
  • Venmo: 1,

The following didn’t count:

  • Alliant: 1, 2,
  • Capital One: 1,
  • PenFed: 1,

Andrews Federal Credit Union

  • Fidelity: 1, 2,
  • Treasury direct: 1,

ANECA Credit Union

Anoka Hennepin Credit Union

APGFCU

Apple Bank

The following do count as a direct deposit:

The following didn’t count as a direct deposit:

Apple Federal Credit Union

Arapahoe Credit Union

Ardent Credit Union

The following worked as a direct deposit:

Arizona Central Credit Union

No data points

Arizona Federal Credit Union

Arizona Financial Credit Union

Arkansas Federal Credit Union

Armed Forces Bank

Arrha Credit Union

Arrow Bank

Arsenal Credit Union

Arundel Federal Savings Bank

Arvest Bank

Ascend Bank

Ascend Federal Credit Union

Ascent Credit Union

Ascentra Credit Union

Ashland Credit Union

Aspiration

The following code as a direct deposit:

  • American Express:
  • Penfed: 1,
  • Venmo: 1,

The following didn’t code as a direct deposit:

  • Ally: 1,
  • American Express:
  • Paypal: 1,
  • Venmo: 1, 2 (did work)
  • USAA: 1,

Associated Bank

  • Ally: 1, 2, 3, 4, 5, 6, 7, 8,
  • Astra: 1,
  • Chase business: 1, 2,
  • Fidelity: 1,
  • PayPal: 1,
  • PNC ACH: 1, 2,
  • Tax refund: 1,

The following did not work as a direct deposit:

Associated Credit Union

Associated Credit Union of Texas (ACUTX)

Austin Bank

Avadian Credit Union

Avidia Bank

The following count:

Axos Bank

The following worked as a direct deposit:

  • Affinity: 1,
  • Alliant: 1,
  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9 (didn’t work but asked if it worked), 10 (didn’t work), 11 (didn’t work)
  • Brex payroll: 1,
  • Capital One: 1, 2 3, 4, 5, 6, 7, 8, 9, 10,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 (didn’t work)
  • Chase: 1, 2,
  • Fidelity: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12,
  • SoFi: 1, 2, 3, 4, 5,
  • USAA: 1,
  • T-Mobile: 1, 2,
  • Treasury Direct: 1,
  • Vanguard: 1,
  • Wells Fargo: 1, 2, 3, 4, 5 (didn’t work)

Ballston Spa National Bank (BSNB)

BancorpSouth

Bank7

Bank & Trust

  • Alliant: 1, 2, 3,
  • Ally: 1, 2, 3,
  • American Express:
  • Capital One: 1, 2, 3,
  • Charles Schwab: 1 (checking), 2 (pull)
  • Chase:
    • Personal: 1, 2,
    • Business: 1,
  • Fidelity: 1,

The following did not work:

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

BankFinancial

BankHometown

Bank of Canton

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 Midwest

Bank Mutual

The following don’t count as a direct deposit

Bank of Blue Valley

Bank of Elk River

Bank Five Nine

Bank Independent

BankNewport

Bank Novo

Bank of Greene County

Bank of Hawaii

Bank of Hope

Bank of Montgomery (BOM)

Bank of New York

The following count as a direct deposit:

Bank Of Sun Prairie

Bank of Tennessee

Bank of The Blue Grass

Bank Of The West

The following count as a direct deposit:

  • BMO Harris: 1, 2,
  • Capital One: 1,
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8,
  • Discover: 1, 2, 3, 4, 5, 6 (didn’t work)
  • Emigrant (1)
  • ING Direct/Capital One 360 (1)
  • Discover ACH: 1, 2,
  • Midfirst Bank: 1, 2,
  • Paypal (1, 2, 3, 4, 5, 6, 7, 8, 9,
  • Schwab ACH: 1
  • USAA: 1, 2,
  • Venmo: 1,

The following did not work:

BankPlus

Bank OZK

Bank Midwest (KS & MO)

BankWell

Banterra

Barclays

Bar Harbor Bank & Trust

Baselane

Bask Bank

Baton Rouge Telco Federal Credit Union

BayCoast Bank

BB&T

The following does count as a direct deposit:

  • Alliant: 1, 2, 3 (didn’t work)
  • Ally: 1, 2 (didn’t work), 3 (didn’t work), 4 (didn’t work)
  • Charles Schwab Brokerage: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
  • Chase: 1, 2 (didn’t work)
  • E*Trade: 1,
  • Treasury direct: 1,
  • Wealthfront: 1,

The following doesn’t count as a direct deposit:

  • Paypal: 1
  • PNC: 1,
  • Santander: 1,

BBVA

The following codes as a direct deposit:

  • Alliant: 1, 2 (didn’t work)
  • Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 (didn’t work), 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28,
  • Chase: 1, 2, 3, 4,
  • Charles Schwab: 1 (brokerage), 2 (brokerage), 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 (didn’t work), 14 (didn’t work), 15 (didn’t work), 16 (didn’t work), 17,
  • Fidelity: 1, 2 (didn’t work), 3, 4, 5,
  • First Tech Federal Credit Union: 1
  • Merrill Edge: 1
  • Paypal: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8 (didn’t work), 9 (didn’t work)
  • Provident Credit Union: 1
  • TD Ameritrade: 1, 2,
  • Wells Fargo: 1, 2, 3, 4, 5, 6, 7, 8, 9,

The following did not work:

  • Ally: 1,
  • Discover: 1. 2,
  • Robinhood: 1

Beacon Credit Union

Beartooth Bank

BECU

Bell Bank

Bellco Credit Union

Beneficial Bank

Berkshire Bank

BethPage Credit Union

  • Chase: 1, 2 (didn’t work)
  • Novo: 1,
  • Treasury Direct: 1,
  • Upgrade: 1,
  • Wise: 1, 2,

Better Banks

Beverly Hill Bank

BHCU

BiddefordSavings

No data points

Blackhawk Bank & Trust

Blaze Credit Union

Blue Federal Credit Union

The following count as a direct deposit:

Blue Foundry Bank

Blue Hills Bank

The following counted as a direct deposit:

The following did not count as a direct deposit:

Bluestone Bank

BluPeak Credit Union

  • Fidelity: 1, 2,
  • Wise: 1, 2,

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, 2 (didn’t work)
    • Bluebird: 1 (didn’t work)
  • Capital One 360: 1, 2, 3, 4
  • Chase: 1 (business checking), 2, 3 (business checking), 4, 5 (didn’t work), 6 (didn’t work), 7 (business), 8 (business), 9, 10 (business),
  • Discover ACH: 1, 2, 3 (didn’t count: 1), 4 (did count), 5 (did count), 6 (didn’t work), 7 (didn’t work)
  • Fidelity: 1 (brokerage)
  • Novo: 1,
  • Robinhood: 1
  • Schwab Transfer: 1, 2, 3
  • Treasury Direct:1, 2, 
  • Vanguard: 1 (brokerage)
  • UFCU: 1
  • Wise: 1, 2, 3,

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), 4
  • Fidelity: 1
  • JP Morgan: 1,
  • Paypal: 1, 2, 3 (did work)
  • Taxes:
  • USAA: 1
  • Vanguard: 1,
  • Wells Fargo: 1,

BMI Federal Credit Union

The following works:

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

The following worked:

Below is what worked for specific banks within BOKF

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

Bravera Bank

Brentwood Bank

Bridge Credit Union

Bridgeview Bank Group

The following code as a direct deposit:

The following didn’t work as a direct deposit:

The following doesn’t code as a direct deposit:

Broadway Bank

  • University Federal: 1,
  • Wise: 1,

The following doesn’t work:

  • Chase: 1,
  • Wells Fargo: 1,

Broadview Federal Credit Union

Bryn Mawr Trust (BMT)

Bryon Bank

Byline Bank

Buckeye State Bank

Buckeye State Credit Union

Bull’s Eye Credit Union

Busey Bank

  • Chase:
    • Business: 1, 2, 3 (didn’t work)

The following didn’t work:

California Bank & Trust

California Coast Credit Union

California Credit Union

The following code as a direct deposit:

Callaway Bank

Cambridge Savings Bank

The following codes as a direct depsoit

The following does not code as a direct deposit:

Cambridge Trust Company

The following code as a direct deposit:

Camden National Bank

The following worked as a direct deposit:

Campus USA Credit Union

Canyon View Credit Union

Cape Cod 5

Cap Ed Credit Union

Capital Bank

The following did work:

  • Alliant: 1,
  • Ally: 1, 2,
  • Capital One: 1, 2, 3,
  • Charles Schwab: 1,
  • Chase: 1,
  • Discover: 1, 2,
  • Fidelity; 1,
  • Paypal: 1, 2, 3,
  • Wealthfront: 1,

The following did not work:

  • Charles Schwab: 1,
  • Chase: 1,

Capital City Bank

Capital Credit Union

Capitol Bank

Carolina Trust Federal Credit Union

Carver Federal Savings Bank

Cash App

The following code as a direct deposit:

  • Alliant: 1,
  • Charles Schwab: 1, 2,
  • Fidelity: 1,
  • First horizon: 1,
  • First Republic: 1,
  • NorthOne: 1,
  • Orion: 1,
  • T-Mobile: 1,

The following didn’t work:

  • Ally: 1,
  • Capital One: 1,
  • Discover: 1,
  • PNC: 1,

CCFBank

The following do work:

The following don’t work:

  • American Express:
  • Capital One: 1,

CBT Bank

Cedar Rapids Bank & Trust

  • Charles Schwab: 1, 2, 3,
  • Fidelity: 1, 2, 3,

CEFCU

CenterBank

Center Parc

Centier

Centra Credit Union

Central Illinois Bank

Central Pacific Bank

Central Willamette Credit Union

Century Bank

The following code as a direct deposit:

Central Bank

The following don’t code as a direct deposit:

Central Minnesota Credit Union

Charles Schwab

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.

Cheese

Chesapeake Bank

Chief Financial Credit Union

Chime

The following counts as direct deposit:

  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9,  10 (didn’t work)
  • American Express
    •  
    • Serve: 1 (personal experience)
  • Apple Cash: 1, 2,
  • Axos Bank: 1,
  • Bank of America: 1,
  • Bluevine: 1,
  • Cash app: 1, 2,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8 (business), 9 (business)
  • Circle Pay: 1,
  • Discover: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 (didn’t work)
  • Fidelity: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16 (didn’t work), 17, 18,
  • Novo: 1,
  • One Finance: 1,
  • PayPal: 1,
  • Santander: 1,
  • SoFi Money: 1, 2,
  • TD Bank: 1,
  • T-Mobile Money: 1,
  • Wells Fargo: 1, 2, 3,
  • USAA: 1,
  • U.S. Bank: 1,
  • Vanguard: 1,
  • Wells Fargo: 1 (business)
  • Wise: 1, 2,

The following don’t work:

  • Bank of America: 1,
  • Chase: 1,
  • Fidelity: 1,
  • Wells Fargo: 1,

Cincinnatus Savings & Loan

Civista Bank

The following counts as a direct deposit:

The following doesn’t count as a direct deposit:

  • Amazon Payments: 1,
  • TIAA Direct: 1,

CIBC US

The following coded as a direct deposit

Cincinnati Federal

CinFed Credit Union

Citadel Bank

  • Fidelity: 1,
  • SoFi Money: 1, 2,
  • Wells Fargo: 1, 2,

The Citizens Bank

Citizens Bank

The following count as a direct deposit:

The following did not count as a direct deposit:

Citizens First Bank

City Mark Federal Credit Union

City National Bank (Bankatcity)

City & County Credit Union

Clearview Federal Credit Union

The following did count as a direct deposit:

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

Clifton Savings Bank (CSBK)

Clinton Savings Bank

C&N Bank

CNB Bank & Trust

Coastal Credit Union

Cobalt Credit Union

CODE Credit Union

Columbia Bank (NJ)

The following worked:

  • Bank of America: 1,
  • Capital One 360: 1, 2, 3, 4, 5, 6,
  • Chase: 1, 2, 3, 4, 5,
  • Citizens Bank: 1, 2,
  • Discover: 1,
  • Fidelity: 1
  • Robinhood: 1,
  • Santander: 1,
  • TD Bank: 1, 2,
  • Vanguard: 1
  • Venmo: 1,

Columbia Bank (WA, OR, ID)

The following work as a direct deposit

Columbia Bank Online

No data points

Comerica Bank

The following worked as a direct deposit:

  • Alliant: 1,
  • Capital One: 1, 2,
  • Chase: 1, 2, 3,
  • Venmo: 1, 2, 3, 4, 5,
  • Wells Fargo: 1, 2,

The following didn’t work (note these might not have worked due to out of state or other issues):

Commonwealth Central Credit Union

Compass Bank

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)

Compass Credit Union

Commerce Bank (MA)

The following count as a direct deposit:

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

Commodore Perry Federal Credit Union

Communication Federal Credit Union

The following count as a direct deposit:

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

Compass Federal Credit Union

ConnectOne Bank

Connex Credit Union

ConnexUs Credit Union

The following count as a direct deposit:

  • Ally: 1
  • BMO Harris: 1,
  •  

Consumers Credit Union

The following counted as direct deposit:

  • BMO Harris: 1,
  • Chase: 1,
  • NFCU: 1,

Consumers Credit Union (MI)

Copper State Credit Union

Cooperative Bank of Cape Cod

Coors Credit Union

Corda Credit Union

Cornerstone Bank

Cornerstone Financial Credit Union

Country Bank

Crane Credit Union

Credit Human

 Credit Union 1

  • Charles Schwab: 1,
  • TD Ameritrade: 1,
  • Wells Fargo: 1,

Credit Union of America

Credit Union of Ohio

Credit Union of Southern California

Credit Union One

The following count as a direct deposit:

  • Ally: 1,
  • Chase: 1,
  • Discover: 1,
  • Paypal: 1,

Credit Union of the Rockies

Credit Union of Texas

The following code as a direct deposit:

Credit Union West

CrossPoint Federal Credit Union

Cyprus Credit Union

Crystal Lake Bank

CSE Federal Credit Union

Current

The following worked:

  • Ally: 1, 2, 3, 4, 5 (didn’t work), 6 (didn’t work)
  • Capital One: 1,
  • Charles Schwab: 1, 2, 3, 4, 5 (didn’t work)
  • Chase: 1,
    • Business: 1, 
    • Payroll: 1, 
  • Discover: 1,
  • Fidelity: 1,
  • Wise: 1, 2,

The following didn’t work:

  • Chase: 1,
  • Mercury:1, 
  • Northwest: 1,
  • PayPal: 1,
  • SoFi: 1, 

Dearborn Savings Bank (DSB)

Dedham Savings Bank

The following code as a direct deposit:

Del Norte Credit Union

  • Charles Schwab: 1, 2,
  • Fidelity: 1, 2, 3, 4,

Denmark State Bank

Desert Financial Credit Union

Desert Schools Federal Credit Union

Devon Bank

Diamond Valley Federal Credit Union

Digital Credit Union (DCU)

Dollar Bank

The following counted as a direct deposit:

  • American Express:
  • Capital One: 1,
  • Chase: 1,
  • Fidelity: 1,
  • Robinhood: 1,
  • Thrivent FCU: 1,
  • Wells Fargo: 1, 2, 3,

The following didn’t work:

Dort Federal Credit Union

DuGood Federal Credit Union

DuPage Credit Union

Dundee Bank

Dupaco Credit Union

East Boston Savings Bank

Eastern Bank

The following code as a direct deposit:

  • Charles Schwab: 1, 2 (didn’t trigger bonus)
  • Fidelity: 1,

Eastern Savings Bank

Eastman Credit Union

East Idaho Credit Union

East Wisconsin Savings Bank

EBSB Direct

ECCU

Educational Systems Federal Credit Union

Educators Credit Union (ECU)

Edwards Federal Credit Union

EECU

  • Charles Schwab: 1,
  • Fidelity: 1, 2,
  • One Fin: 1,
  • SoFi: 1, 2,

Element Federal Credit Union

Elements Financial

  • Alliant: 1, 2, 3, 4, 5 (did not work)
  • Ally: 1, 2, 3 (didn’t work), 4 (didn’t work)
  • American Express:
  • Capital One 360: 1, 2, 3, 4 (didn’t work)
  • Chase:
  • Discover: 1
  • Goldman Sachs savings: 1
  • Incredible Bank: 1,
  • Treasury: 1,
  • Wealthfront: 1,
  • Wells Fargo: 1,
  • Wise: 1,
  • Vanguard: 1, 2 (didn’t work)

The following didn’t work:

  • Charles Schwab: 1,
  • Chase: 1,
  • PNC: 1,
  • Wells Fargo: 1, 2,

Elko Federal Credit Union

Embassy Bank

Empire State Bank

Emprise Bank

Energy Federal Credit Union

Energy One Credit Union

ENT Credit Union

Equity Bank

ESSA Bank & Trust

Essex Bank

Eureka Savings Bank

E*Trade

The following count as a direct deposit:

  • Fidelity: 1,
  • ING Direct/Capital One 360 (1, 2)

Evansville Teachers Federal Credit Union

The following worked:

  • Alliant: 1,
  • Initial credit card funding worked: 1
  • Capital One: 1,
  • Chase: 1
  • Marcus: 1,
  • PayPal: 1,
  • Wells Fargo: 1,

Exchange Bank

Excite Credit Union

The following code as a direct deposit:

Expedition Credit Union

Experian

  • Chase: 1,
  • Chase business: 1,
  • Fidelity: 1, 2,

Fairwinds Credit Union

The following code as a direct deposit:

  • American Express
  • Chase:
  • Google Pay: 1,
  • U.S. Bank
  • Wealthfront; 1, 2 (didn’t work), 3,
  • Wise: 1, 2, 3, 4,

The following did not code as a direct deposit:

  • Alliant: 1,
  • Charles Schwab: 1, 2, 3,
  • Discover: 1,
  • Fidelity: 1,
  • Transferwise: 1,
  • Treasury Direct: 1,

Family Trust Federal Credit Union

Farm Bureau Bank

Farmers Insurance Federal Credit Union

  • Fidelity: 1, 2, 3,
  • Novo: 1,
  • Wise: 1,

Farmers & Merchants Bank

Farmers & Merchants State Bank

Farmington Bank

FAST Credit Union

FCB Banks

FCNB Bank

FCB South County Bank

FEDCOM Credit Union

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

Fidelity Bank (PA)

The following code as a direct deposit:

Fidelity Bank (Online, MA)

Fidelity Bank (Bank With Fidelity)

Fidelity Bank [KS, OK, MO]

Fierce Finance

Fifth Third Bank

The following count as a direct deposit:

The following did not work:

  • Alliant: 1 (sent via e-mail 3/13/19), 2 (did work)
  • Huntington Bank: 1
  • PNC: 1

Figure Pay

  • Cash app: 1, 2,
  • Novo: 1 (had to message to get it credited)

Financial Builders

Financial Partners Credit Union

Financial Plus Credit Union

Financial Resources Credit Union

Finex Credit Union

Firefighters First Credit Union

Firefly Credit Union

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

  • Citi:
    • Double cash: 1 (via e-mail 11/22/19), 2,

First Advantage Bank

First American Bank

The following code as a direct deposit:

First Bank (VA)

The following don’t work as a direct deposit:

First Bank (CA, IL & MO)

  • Charles Schwab: 1,
  • Fidelity: 1,

First Bank and Trust

First Bank of Manhattan

First Bank & Trust Company Illinois

First Bank Financial Centre (FBFC)

FirstBank

The following worked:

  • American Express:
  • First Tech Federal Credit Union: 1
  • TD Ameritrade: 1, 2, 3

The following didn’t work:

FirstBank [TN, GA, AL]

First Basin Credit Union Checking

First Citrus Bank

First Commerce Credit Union

First Commonwealth Bank

  • Alliant: 1,
  • Fidelity: 1, 
  • TD: 1,

First Entertainment Credit Union

First Federal Bank (FL)

First Federal Bank of Kansas City

First Federal Bank of Wisconsin

First Federal Credit Union

First Fidelity Bank

First Financial Bank (AR/MS)

First Financial Bank (TX)

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

The following have counted as a direct deposit in the past:

First Financial Federal Credit Union

First Financial Federal Credit Union (MD only)

First Financial Northwest Bank

First Flight Credit Union

First Florida Credit Union

First General Credit Union

First Hawaiian Bank

First Internet Bank

First Merchants Bank

The following code as a direct deposit:

  • Alliant: 1, 2, 3,
  • Ally: 1, 2,
  • American Express:
  • Astra Finance: 1,
  • Capital One: 1, 2,
  • Charles Schwab: 1, 2 (didn’t work), 3,
  • Chase: 1,
  • Goldman Sachs: 1

First Jersey Credit Union

FirstLight Federal Credit Union

First-Lockhart National Bank

First Mark Credit Union

The following count as a direct deposit:

  • ACH: 1
  • Alliant ACH: 1
  • Ally ACH: 1

First MidWest Bank

First National 1870

First National Bank (IA)

First National Bank of Long Island

First National Bank in Staunton

First National Bank of Texas

First National Bank and Trust Company

First National Bank of Waterloo

First Nebraska Credit Union

We’re not sure what counts as a direct deposit, but they require you to deposit your full pay check according to the fine print so they might require paystub verification.

First Northern Credit Union

First Tennessee Bank

The following count as a direct deposit:

  • ACH: 1
  • Alliant: 1
  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9
  • Capital One: 1, 2, 3
  • Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8
  • Capital One Savings: 1
  • Charles Schwab: 1, 2
  • Chase: 1, 2, 3, 4. 5
  • Discover: 1, 2, 3
  • First Citizens Bank: 1
  • Paypal: 1, 2, 3, 4, 5, 6,
  • Santander: 1
  • Schwab Brokerage: 1, 2
  • USAA: 1, 2, 3
  • Wells Fargo: 1, 2, 3, 4, 5,
  • Venmo: 1, 2, 3,

The following didn’t work:

First Citizen’s Bank

We don’t know of any methods that do or don’t count as a direct deposit. Contact us if you know of any.

First Federal Bank

First Green Bank

First Home Bank

First Horizon Bank

First Horizon Bank used to be First Tennessee & Capital Bank. We recommend looking at previous datapoints for those banks. Below we will only list datapoints since the name change. The following code as a direct deposit:

  • Ally: 1, 2,
  • Charles Schwab: 1, 2, 3, 4, 5,
  • Chase:
    • Business: 1,
    • Personal: 1, 2,
  • Discover: 1, 2,
  • Fidelity: 1, 2, 3, 4, 
  • SoFi: 1,
  • Wells Fargo: 1, 2, 3,
  • Wise: 1,

First Merit Bank

  • We have no data points, please share yours in the comments section.

First National Bank (FNB)

The following worked:

  • Alliant: 1,
  • Ally: 1,
  • Capital One: 1, 2, 3, 4, 5, 6,
  • Charles Schwab: 1, 2, 3, 4,
  • Chase: 1, 2, 3,
  • Santander: 1,

First National Bank [UT]

First National Bank [NE]

The following worked:

Firstrust Bank

The following coded as a direct deposit:

  • Alliant: 1,
  • American Express:
  • Charles Schwab: 1,
  • PNC: 1,

First Savings Bank of Hegewisch

First Service Bank

First Service Credit Union

First Southern Bank

First South Financial

First State Bank Of Illinois

First Tech Credit Union

The following code as a direct deposit:

  • Ally: 1,
  • Capital One: 1, 2 (didn’t work), 3,
  • Chase: 1, 2, 3 (business), 4 (didn’t work), 5 (business), 6 (business), 7 (business), 8 (didn’t work)
  • Chime: 1,
  • Treasury Direct: 1,
  • Wise: 1, 2, 3, 4, 5, 

The following didn’t work:

First Trade Union Bank (FTUB)

FTUB is a small bank and as such it looks like they manually check to see if you’ve received an employer direct deposit or not. Apart from Capital One 360 there is no record of any regular ACH transfers triggering the bonus (and ING/CapOne 360 is from long ago). The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)

The following don’t count as a direct deposit:

  • Ally Bank ACH (1, 2, 3)
  • Chase ACH (1)

First Niagara Bank

The following count as a direct deposit:

  • Alliant ACH: 1
  • Ally ACH: 1, 2
  • AmEx FSB ACH: 1
  • Bank of America ACH: 1,
  • Capital One ACH: 1
  • Capital One 360 ACH: 1, 2, 3, 4
  • Charles Schwab: 1,
  • Chase ACH: 1, 2
  • Discover: 1
  • HSBC ACH: 1
  • Paypal 1, 2, 3, 4
  • State Farm ACH: 1

Amazon gift cards also work for meeting the minimum debit card transactions required: 1

First Republic Bank

First United Bank

First United Credit Union

Fitness Bank

Fitzsimmons Credit Union

Five Star Bank

The following counted as a direct deposit:

Flagship Bank

Flagstar

The following do count as a direct deposit:

  • Alliant: 1,
  • Fidelity: 1, 2, 3,

The following don’t count as a direct deposit:

  • ACH used to work (1, 2) but in recent times it no longer does (1)

Florence Bank

Florida Credit Union

Florida West Coast Credit Union

Flushing Bank

The following worked as a direct deposit:

  • American Express:
  • Charles Schwab: 1, 2, 3, 4, 5,
  • Santander: 1, 2, 3,

F&M Bank

F&M Bank (VA Only)

F&M Bank (IN, OH)

F&M Trust

FNBO

The following don’t count as a direct deposit:

FNCB

Focus Bank

No data points, please share your experiences in the comments at the end of this post.

Focus Federal Credit Union

Forcht Bank

Fort Bragg Federal Credit Union

Fort Financial Credit Union

Found

Four Points Federal Credit Union

Freedom Credit Union

The following did work:

The following didn’t work:

Freedom Federal Credit Union

No data points.

Freedom First Credit Union

Fremont Bank

The following code as a direct deposit:

  • Chase: 1 (waived the monthly fee)

Frontier Bank

Frontwave Credit Union

The following coded as a direct deposit:

  • Fidelity: 1 (via e-mail on 11/17)

FSB Bank

Fulton Bank

The following have not worked for direct deposit:

  • Bank of America: 1,
  • Capital One 360: 1,
  • Chase: 1,
  • Citi: 1
  • Discover: 1
  • Huntington: 1
  • Wells Fargo: 1

Gain Federal Credit Union

Garden Savings FCU

No data points, please share your experiences in the comments at the end of this post.

Gate City Bank

Gateway First Bank

The following code as a direct deposit:

  • Chase business: 1,
  • Discover: 1,

The following didn’t work:

Gateway Metro Federal Credit Union

Genisys Credit Union

Georgia Banking Company (GBC)

Georgia’s Own Credit Union

Gesa Credit Union

Global Credit Union

GNO Federal Credit Union

GoBank

  • Alliant ACH: 1
  • BMO Harris: 1,
  • Chase: 1

GO Federal Credit Union

GOLD Credit Union

Go2Bank

The following code as a direct deposit:

Granite Credit Union

Grasshopper

GR Consumers Credit Union

Greater Iowa Credit Union

Great Lakes Credit Union

The following are considered a direct deposit:

Great Plains Bank

Great River Federal Credit Union

Great Southern Bank

Greater Nevada Credit Union

Green State Credit Union

Grove City Area Federal Credit Union

Grow Financial Federal Credit Union

GTE Financial

The following worked:

  • Charles Schwab: 1,
  • Discover: 1,

Guaranty Bank

Guardian Credit Union

Gulf Coast Bank & Trust Company

Gulf Coast Federal Credit Union

Hancock Whitney

The following worked:

  • Chase: 1, 2, 3,
  • Charles Schwab: 1,
  • Wells Fargo: 1,

Hanmi Bank

Hanscom Federal Credit Union

HarborOne Bank

The following didn’t work as a direct deposit:

Harborstone Credit Union

Harford Bank

Harvard Federal Credit Union

HawaiiUSA Federal Credit Union

Hawthorn Bank

Heartland Bank

Heartland Credit Union

Hercules First Federal Credit Union

Heritage Credit Union

Heritage Bank NW

Heritage Bank of St. Tammany

Heritage Financial Credit Union

HeritageWest Credit Union

Hibernia Bank

Highmark Federal Credit Union

Hiway Federal Credit Union

Holyoke Credit Union

Home National Bank

Home Federal Savings Bank

Home Savings Bank

Home State Bank

HomeStreet Bank

Following count as a direct deposit:

  • Citibank: 1
  • Paypal: 1
  • Provident Credit Union: 1

HomeTrust Bank

The following triggered the direct deposit requirement:

Honor Credit Union

Horizon Bank

Horizon Credit Union (WA, ID, MT)

Horizon Federal Credit Union

Houston Metropolitan Federal Credit Union

Hudson Valley Federal

IBERIABANK

The following code as a direct deposit:

  • Chase: 1, 2,
  • Fidelity: 1,

ICBC USA

IC Federal Credit Union

The following count as a direct deposit:

Idaho Central Credit Union (ICCU)

Ideal Credit Union

Illinois State Credit Union

Incredible Bank

The following worked as a direct deposit:

  • Charles Schwab: 1, 2, 3, 4,
  • Chase: 1,
  • Discover: 1,
  • Wells Fargo: 1, 2, 3,

Independent Bank

Independent Financial

Indiana Members Credit Union

Indiana State University Federal Credit Union

InRoads Credit Union

Inspire Federal Credit Union

Integrity Bank

Interior Federal Credit Union

Interra Credit Union

InTouch Credit Union

Investors Bank

The following worked:

  • Charles Schwab: 1,
  • Chase: 1, 2, 3, 4, 5,
  • Fidelity: 1,

The following didn’t work:

Island Federal Credit Union

iTHINK Financial

Jovia Financial Credit Union

  • Ally: 1,
  • Chase: 1, 2, 3 (didn’t work), 4 (business)
  • Fidelity: 1,

JSC Federal Credit Union

The following code as a direct deposit:

Juno

  • American Express Business: 1,
  • Wise: 1,

Kalsee Credit Union

Katahdin Trust Company

Kearny Bank

Keen Bank

Keesler Federal Credit Union

Kemba Financial Credit Union

Kentucky Bank

KeyPoint Credit Union

The following coded as a direct deposit:

  • Ally: 1,
  • Charles Schwab: 1,
  • Discover savings: 1, 2, 3, 4, 5,
  • Fidelity: 1, 2, 3, 4, 5, 6, 7, 8,
  • Venmo: 1, 2,

The following didn’t work:

  • Charles Schwab: 1, 2,
  • Discover: 1,
  • Novo: 1,

Kinderhook Bank

Kinecta

Kirkpatrick Bank

Kitsap Credit Union

La Capitol Federal Credit Union

Lafayette Federal Credit Union

LA Financial Credit Union

 Lakeland Bank

Lake Michigan Credit Union

The following count as a direct deposit:

Lake Ridge Bank

Lake Shore Savings

La Loma Federal Credit Union

Langley Credit Union

Landmark Credit Union

The following code as a direct deposit:

  • Brex: 1,
  • Charles Schwab: 1,
  • Kabbage: 1,

Land of Lincoln Credit Union

Las Colinas Federal Credit Union

Laurel Road

Changes were made as of April 1, 2024:

Things that have worked:

  • Chase
    • Business: 1,
    • Business Payroll: 1,2, 3, 4, 5,
  • Charles Schwab: 1,
  • First Financial Federal Credit Union (Maryland): 1,
  • Treasury Direct: 1, 2,
  • Wells Fargo DirectPay: 1,
  • Vanguard: 1, 2,

Things that haven’t worked:

LBS Financial Credit Union

Ledyard Bank

Legacy Bank

Legacy Bank (KS)

LegacyTexas

The following worked:

Lending Club

Level One Bank

Liberty Bank (CT, MA, RI)

The following coded as a direct deposit:

Liberty Bank For Savings

Liberty First Credit Union

Liberty Savings Bank

Lili Bank

The following code as a direct deposit:

Linn Area Credit Union

Live Oak Bank

LM Federal Credit Union

Local Bank

Lone Star National Bank

Long Game

Los Angeles Federal Credit Union

Loyalty Credit Union

Lyons National Bank

Mars Bank

Magnifi Financial

Magnolia Federal Credit Union

Mango

The following count as a direct deposit:

  • Alliant: 1, 2
  • Amazon Payments: 1, 2
  • Bluebird: 1
  • Fidelity: 1
  • ING Direct/Capital One 360 (1) (Warning: One reader has reported Capital One 360 locking their account with a fraud warning for linking Mango because it is a prepaid product and only personal checking accounts can be used).
  • Paypal: 1

Main Street Bank [of Virginia]

Mainstreet Credit Union

MainSource Bank

Marathon Bank

Marcus Bank

Marine Bank

The following worked:

The following didn’t work:

MarketUSA Federal Credit Union

Maspeth Federal Savings

Mazuma Credit Union

MAX Credit Union

Mcfarland State Bank

MECU Credit Union

Melrose Bank

Member One Federal Credit Union

Members Choice Credit Union

Members Cooperative Credit Union

Members Source Credit Union

Meridian Bank

Meridian Trust Federal Credit Union

Meritrust Credit Union

Meriwest Credit Union

  • Ally: 1,
  • Charles Schwab: 1,

Metro Credit Union

Metro Credit Union (MA)

Metro Credit Union (NE)

Metropolitan Bank

Michigan Schools and Government Credit Union

No data points

Middlesex Federal

MidFirst Bank

  • Ally: 1, 2, 3, 4,
  • Charles Schwab: 1, 2,
  • Chase: 1, 2,
  • FNBO: 1,
  • Vanguard: 1,

MIDFLORIDA CU

  • Fidelity: 1, 2,
  • Wells Fargo: 1,
  • Wise: 1,

Midland States Bank

  • Ally: 1,
  • Capital One: 1, 2,
  • Cash app: 1,
  • Chase: 1, 2, 3, 4,
  • Credit card funding worked: 1,
  • Discover: 1,
  • Fidelity: 1,
  • SoFi: 1, 2, 3, 4,
  • Wise: 1, 2,

Mid-Hudson Valley Federal Credit Union

Mid Minnesota Federal Credit Union

Mid Penn Bank

MidWestOne Bank

No data points

Midwest Regional Bank

MB Financial Bank

The following counted as a direct deposit:

  • Capital One: 1, 2,
  • Fidelity: 1

Macatawa Bank

Memphis City ECU (MCECU)

Meadows Credit Union

There are no working methods for meadows credit union at the moment. The following count as a direct deposit:

Memory Bank

Mercer Savings Bank

Mercury

Meriwest Credit Union

MidUSA Credit Union

Midwest Bank

Minnequa Works Credit Union

Minnwest Bank

Mint Valley Federal Credit Union

Mirastar Federal Credit Union

Mission Federal Credit Union

MoneyLion

Monifi

The following worked as a direct deposit:

  • Alliant: 1, 2, 3,
  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15,
  • Capital One: 1, 2, 3, 4, 5,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13 (didn’t work)
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14 (business), 15 (didn’t work)
  • Discover: 1, 2, 3, 4,
  • Fidelity: 1, 2, 3, 4,
  • First Bank: 1,
  • First Tech: 1,
  • Marcus: 1,
  • PenFed: 1, 2,
  • PNC: 1, 2,
  • Robinhood: 1,
  • SoFi: 1,
  • TD Bank: 1,
  • T-Mobile: 1,
  • USAA: 1, 2 (didn’t work)
  • U.S. bank: 1, 2,
  • Wells Fargo: 1, 2, 3,

The following didn’t work:

Monona Bank

Monroe Bank & Trust (MBT)

Monson Savings

Monterey Credit Union

Montgomery County EFCU

MountainOne Bank

Mountain America Credit Union

The following count as a direct deposit:

mph.bank

The following works as a direct deposit:

  • American Express:
  • Chase: 1, 2, 3, 4,
  • Discover: 1,
  • Fidelity: 1, 2,
  • Wells Fargo: 1,
  • Wise: 1,

MSUFCU

My Banking Direct

The following count as a direct deposit:

  • Capital One 360: 1, 2, 3, 4
  • Schwab Brokerage: 1

My eBanc

Muncipal Credit Union

Mutual Bank

Mutual Security Credit Union

MVB Bank

The following did not work:

MyUSA Credit Union

M&F Bank

M&T Bank

Basically everything coded as a direct deposit before. Seems they have cracked down so we are creating a new list. Here’s what has worked:

  • Alliant: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10,
  • American Express Savings: 1,
  • American Express
    • Bluebird: 1, 2,
    • Serve: 1, 2, 3, 4, 5,
  • Ameritrade: 1, 2, 3,
  • BBVA: 1, 2, 3, 4, 5, 6,
  • Capital One: 1, 2, 
  • Cash app: 1, 2,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25 (didn’t work), 26,
  • Citadel Bank: 1,
  • Coinbase: 1,
  • Denizen: 1,
  • E*Trade: 1,
  • Fidelity: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 
  • Incredible Bank: 1, 2, 3, 4, 5,
  • Kabbage: 1,
  • Key Bank: 1, 2, 3, 4, 5, 6, 7,
  • Laurel Road: 1,
  • PenFed: 1, 2, 3, 4,
  • Robinhood: 1, 2,
  • Santander: 1, 2, 3, 4, 5, 6, 7 (didn’t work), 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18,
  • SoFi Invest: 1 (sent via e-mail on 11/9), 2, 3, 4,
  • Square Bank: 1,
  • Stanford Credit Union: 1,
  • TD Ameritrade: 1, 2,
  • TIAA: 1,
  • USAA: 1, 2, 3, 4, 5, 6, 7,
  • Wealthfront: 1,
  • Vanguard: 1,

And what hasn’t worked:

  • Ally: 1, 2,
  • American Express:
  • Astra: 1,
  • Chase: 1, 2,
  • Columbia Bank: 1,
  • Discover: 1, 2, 3 (worked), 4,
  • NFCU: 1,
  • PNC: 1,
  • Wells Fargo: 1,

The following count as a direct deposit:

  • ACH (1)
  • ABC Giftcards: 1,
  • ACH trial deposits: 1, 2
  • Alliant: 1, 2
  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 Didn’t work: 1 (recent DP say it does though), 16, 17, another dp of it not working,
  • American Express Savings: 1, 2
  • American Express Serve: 1, 2,
  • Ameritrade: 1
  • Barclays Savings: 1
  • Capital One ACH trial deposits: 1
  • Capital One 360: 1, 2, 3, 4, 5, 6, 7
  • Charles Schwab: 1 (brokerage)
  • Chase trial Deposits: 1
  • Chase ACH: 1, 2, 3, 4, 5, 6, 7, 8, 9
  • Citi
    • ACH: 1, 2, 3, 4
    • ACH trial deposits: 1
  • Discover: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12
  • ETrade: 1
  • Fidelity cash management: 1
  • First Tennessee: 1
  • HSBC (1)
  • Huntington: 1, 2
  • Paypal (1, 2) (didn’t work)
  • Paypal trial deposits: 1
  • PNC test deposits: 1
  • PNC ACH: 1, 2, 3, 4, 5, 6 (didn’t work)
  • Santander: 1, 2, 3, 4, 5, 6,
  • Schwab: 1, 2, 3
  • SunTrust: 1
  • TD Bank: 1
  • USAA: 1, 2, 3, 4
  • Vanguard Brokerage: 1, 2
  • Venmo: 1, 2, 3, 4
  • Wells Fargo: 1, 2, 3, 4, 5, 6

The following don’t code as a direct deposit:

  • Capital One: 1,
  • Chase: 1,
  • Keybank: 1
  • Paypal: 1, 2

M1 Finance

NASA Federal Credit Union

  • Charles Schwab: 1, 2,
  • Wise: 1, 2,

Nassau Financial Federal Credit Union

Nationwide Bank

The following count as a direct deposit:

  • American Express Serve: 1
  • Capital One 360 ACH: 1
  • Fidelity: 1
  • Paypal: 1

The following don’t count as a direct deposit:

  • Ally ACH: 1
  • Random ACH: 1

Navigant Credit Union

Navy Federal Credit Union (NFCU)

NBC Oklahoma

Nearside

Neighborhood Credit Union

Neighbors Credit Union

Netspend

Nevada State Bank

New Buffalo Savings Bank

Newton Federal Bank

Newtown Savings Bank (NSB)

The following code as a direct deposit:

Nexus

Nizari Progressive Federal Credit Union

North American Savings Bank (NASB)

North Brookfield Savings Bank

No data points, if you know of any please share in comments.

Northern Paper Milles (NPM)

NorthOne Bank

Northern Skies FCU

Northfield Bank

North Shore Bank

North Shore Bank (MA)

The following didn’t work:

North Shore Bank of Commerce

North Star Credit Union

North State Bank

Northwest Bank

The following code as a direct deposit:

Northwest Bank (PA)

Northwest Bank of Rockford

Northwest Federal Credit Union

The following works as a direct deposit:

  • Affinity: 1,
  • Ally: 1,
  • American Express:
  • Capital One: 1,
  • Charles Schwab: 1,
  • Chase: 1, 2, 3,
  • Discover: 1,
  • Fidelity: 1, 2,
  • Wells Fargo: 1, 2,
  • Wise: 1,

The following didn’t work:

Northwest Plus Credit Union

NorthWest Savings Bank

The following count as a direct deposit:

  • ACH: 1, 2
  • Ally: 1, 2,
  • Capital One: 1,
  • Charles Schwab: 1,
  • Chase: 1,
  • Discover: 1, 2,
  • Paypal: 1, 2, 3,
  • PNC: 1,
  • Schwab One: 1, 2
  • USAA: 1
  • Wells Fargo: 1,

Notre Dame Federal Credit Union

NWSB Bank

Numerica Credit Union

NuVision Federal

The following count as a direct deposit:

  • Amazon Payments (1)
  • Ameritrade (1)
  • Schwab Brokerage (1)

NVE Bank

NYCB Family Of Banks

  • Fidelity: 1,
  • BMO Harris: 1,
  • U.S. Bank: 1,

Oakland University Credit Union

OakStar Bank

Ocean First Bank

The following did count as a direct deposit:

The following didn’t count as a direct deposit:

Old Hickory Credit Union

Old Missouri Bank

The following did count as a direct deposit:

The following did NOT code as a direct deposit:

Old National Bank

The following do work:

  • Charles Schwab: 1, 
  • Chase: 1, 2 (didn’t work)
  • Initial credit card funding: 1, 2, 3,
  • Fidelity: 1, 2, 3, 4, 
  • PNC ACH: 1, 2, 3,
  • Serve: 1,
  • Wells Fargo: 1

The following didn’t work:

Old Second Bank

The following codes as a direct deposit:

  • Alliant: 1,
  • Capital One: 1, 2, 3
  • Venmo: 1,

Oklahoma’s Credit Union

OneAZ Credit Union

The following code as a direct deposit:

  • Capital One: 1, 2,
  • Chase: 1, 2,
  • Fidelity: 1,
  • Vanguard: 1,

One Finance (OnePay)

The following did work:

  • Chase: 1, 
  • Fidelity: 1, 2, 3,
  • Treasury direct: 1, 
  • Wise: 1, 2, 

The following didn’t work: 

One Nevada Credit Union

OneWest Bank

The following count as a direct deposit:

  • Capital One: 1,
  • Chase: 1
  • Discover: 1,

Oostburg State Bank

OnPath Credit Union

On Tap Credit Union

Orange County’s Credit Union

Oregon State Credit Union

Origin Bank

Orion Federal Credit Union

Orlando Credit Union

OUR Credit Union

Outdoor Bank

Oxygen

P1FCU

Palisades Credit Union

Paradise Valley Federal Credit Union

Parke Bank

Park National Bank

Partner Colorado Credit Union

Pathfinder Bank

Pelican State Credit Union

Penn East Federal Credit Union

Pentucket Bank

People Driven Credit Union

People First Federal Credit Union

PeoplesBank (Bankatpeoples)

PeoplesBank (MD & PA)

The following works:

  • Alliant: 1,
  • Ally: 1, 2,
  • Charles Schwab: 1, 2,
  • PNC ACH: 1, 2, 3,
  • Wells Fargo: 1, 2,

Peoples Bank

We’re currently unsure what will trigger the bonus.

Peoples Bank (LA)

Peoples Bank (WA)

Peoples Bank (ibankpeoples IL, IN)

People’s United Bank

The following did code as a direct deposit:

The following didn’t code as a direct deposit:

Philadelphia Federal Credit Union

Picatinny Credit Union

Pike National Bank

Pikes Peak Credit Union

Pima Federal Credit Union

Pinnacle Financial Partners

The following count as a direct deposit:

  • Capital One: 1,
  • Chase: 1,

Pinnacle Titans Bank

The following count as a direct deposit:

  • Paypal or Discover triggered the bonus: 1

Pioneer Valley Credit Union

Pittsfield Coop Bank

Point Breeze Credit Union

Polam Federal Credit Union

Polish American Credit Union

Polish National Credit Union

Ponce Bank

The following count as a direct deposit:

  • Capital One 360: 1, 2, 3,
  • Chase ACH: 1, 2, 3, 4, 5, 6,
  • Citibank: 1
  • Discover: 1
  • Wells Fargo: 1,
    • Business: 1 (worked to waive monthly fee)

Porte Bank

The following coded as a direct deposit:

  • Alliant: 1, 2, 3, 4, 5, 6, 7,
  • All America Bank: 1,
  • Ally: 1, 2, 3, 4,
  • Brex: 1,
  • Chase: 1 (via e-mail on 9/22/20)
  • Discover: 1, 2, 3,
  • Elements: 1, 2, 3,
  • NFCU: 1,
  • T-Mobile: 1,
  • Wells Fargo: 1 (via e-mail on 9/22/20)

The following didn’t work:

  • Axos Bank: 1,
  • Citizens Bank: 1,
  • PNC: 1,
  • Sunflower: 1,

Portland Federal Credit Union (PFCU)

Power Financial Credit Union

Premier America Credit Union

The following worked as a direct deposit:

Premier Bank – OH

Premier Members Credit Union

Presidential Bank

The following count as a direct deposit:

  • Alliant: 1,
  • ACH (1)
  • PNC: 1,

Principal Bank

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)
  • HSBC (1)

PriorityONE Credit Union of Florida

ProFed Credit Union

Progressive Bank

Progessions Credit Union

Provident Bank

Provident Credit Union

The following code as a direct deposit:

PSE Credit Union

PSECU

  • Ally: 1, 2, 3, 4, 5,
  • American Express: 1,
  • Capital One: 1 2, , 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7, 8, 9,
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12,
  • Discover: 1, 2, 3,
  • Elements: 1,
  • E*Trade: 1,
  • Fidelity: 1, 2, 3 (didn’t work), 4, 5, 6, 
  • NFCU: 1,
  • Relay: 1,
  • SchoolsFirst: 1,
  • SoFi: 1,
  • TreasuryDirect: 1,
  • Venmo: 1,
  • Wells Fargo: 1,

Public Employees Credit Union (PECU)

Public Service Credit Union

They require you to deposit your full paycheck to be qualified for this promotion (Source).

Public Service Credit Union (IN)

Purdue Federal Credit Union

Putnam Bank

PyraMax Bank

Quad City Bank & Trust

Quontic Bank

Randolf Savings Bank

Reading Cooperative Bank

Red Canoe Credit Union

Red Rocks Credit Union

Redstone Federal Credit Union

Redwood Credit Union

Regions Bank

The following count as a direct deposit:

  • ACH: 1
  • Alliant: 1, 2, 3,
  • Ally: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11,
  • Amazon payments: 1
  • American Express:
  • Ally: 1
  • Bank of America: 1
  • Capital One 360: 1, 2, 3, 4, 5, 6, 7, 8,
  • Charles Schwab: 1, 2, 3,
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 
  • Discover: 1,
  • Fidelity: 1, 2, 3, 4,
  • First Tennessee: 1
  • ING Direct/Capital One 360 (1, 2, 3, 4)
  • Marcus: 1,
  • PenFed: 1
  • SoFi: 1, 2,
  • USAA: 1,
  • Wells Fargo: 1,
  • Wilson Bank: 1,

Reliabank

Reliance Bank

Reliant Bank

Republic Bank (IL only)

Republic Bank (IN/KY)

The following count as a direct deposit:

  • Charles Schwab: 1,
  • Chase: 1,

Republic Bank (NY)

REV Financial Credit Union

Resource One Credit Union

Ridgewood Credit Union

The following did work:

The following didn’t work:

River Valley Credit Union

Riverview Bank

RPT Federal Credit Union

Rockland Trust Bank

The following worked as a direct deposit:

The following did not work:

Rock Valley Credit Union

Rollstone Bank & Trust

Rosedale Federal Savings & Loan Association

Route 31 Credit Union

Royal Credit Union

Sacramento Credit Union

SAFE Credit Union

  • Discover: 1,
  • Fidelity: 1,

Safe 1 Credit Union

Salal Credit Union

Salem Bank

The following count as a direct deposit:

Salem Five Direct

  • Alliant: 1,
  • Capital One: 1, 2,
  • Charles Schwab: 1,
  • Wells Fargo: 1,

Sandy Spring Bank

The following works:

  • American Express:
  • Charles Schwab:
  • U.S. Bank: 1,

Saratoga National Bank

Sauk Valley Bank

Savings Bank of Danbury

Sawyer Savings Bank

SB1 Federal Credit Union

No data points, please share your experiences in the comments.

SchoolsFirstCU

The following count as a direct deposit:

  • ING Direct/Capital One 360 (1)

Scient Federal Credit Union

Scott Credit Union

Seacoast Bank

The following count as a direct deposit:

  • American Express Serve: 1
  • Chase:
  •  
  • Discover ACH: 1
  • Wise: 1, 2, 3,

SECNY Federal Credit Union

SECU

  • Charles Schwab: 1, 2, 3, 4, 5, 6,
  • Discover: 1,

Security Bank of Crawford

Security Service FCU

The following count as a direct deposit:

Select Bank & Trust

SENB Bank

Service 1st Federal Credit Union

Service Credit Union

The following codes as a direct deposit:

  • Alliant: 1,
  • Ally: 1,
  • Chase
  • Discover: 1,
  • Elements: 1,
  • SoFi Money: 1, 2,
  • USAA: 1, 2,

SF Fire Credit Union

Sharepoint Credit Union

Signature Bank of Georgia

No data points, please let us know in the comments.

Simmons Bank

Simple Finance

Simsbury Bank

SIS Bank

Skyla Credit Union

  • Chase:
    • Personal: 1, 
    • Business: 1, 
  • Fidelity: 1, 
  • SoFi: 1, 
  • Sunward: 1, 2, 
  • U.S. Bank

SkyOne Federal Credit Union

The following worked:

  • Alliant: 1, 2, 3,
  • Ally: 1, 2, 3,
  • Discover savings: 1,
  • Wells Fargo: 1,

The following didn’t work:

SLFCU

Now called SunWard. The following code as a purchase:

  • Alliant: 1,
  • Bank of America: 1, 
  • Chase: 1, 
  • LendingClub: 1, 
  • PayPal: 1, 
  • SoFi: 1, 
  • U.S. Bank: 1, 
  • Wise: 1, 

SoFi Invest

The following did trigger the direct deposit requirement:

  • Ally: 1, 2 (didn’t work)
  • Altra: 1,
  • Astra: 1, 2, 3, 4 (didn’t work)
  • Brex: 1,
  • Chase: 1, 2,
  • Chime: 1, 2, 3, 4, 5, 
  • Current: 1, 
  • eBay managed payments: 1, 2 (didn’t work)
  • PNC: 1,
  • Relay: 1, 
  • Revolut: 1,
  • Treasury Direct: 1, 2 (didn’t work via e-mail 11/14/22)
  • Wealthfront: 1, 2 (didn’t work), 3,
  • Wells Fargo: 1, 2 (didn’t work)
  • Wise: 1, 2, 3, 4 (didn’t work) 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15 (didn’t work)

The following didn’t trigger the direct deposit requirement:

  • Alliant: 1,
  • Ally: 1, 2 (did work after manually requesting)
  • American Express Business: 1,
  • America First Credit Union: 1,
  • Capital One: 1,
  • Charles Schwab: 1, 2,
  • Chase: 1, 2,
  • Discover: 1,
  • eTrade: 1,
  • Fidelity: 1,
  • PenFed: 1,
  • Robinhod: 1,
  • U.S. Bank: 1,

Solvay Bank

Sound Credit Union

We’re unsure what does and doesn’t count as a direct deposit with sound credit union, let us know your experiences in the comments.

SouthEast Bank

Southeastern Credit Union

South East National Bank

Southern Bank

South Shore Bank

Southland Credit Union

Southside Bank

The following code as a direct deposit:

SouthStar Bank

South State Bank

The following code as a direct deposit:

  • Ally: 1, 2, 3,4,
  • Charles Schwab: 1, 2,
  • Fidelity: 1,

Southwest 66 Credit Union

Space Age Federal Credit Union

Space Coast Credit Union

Spartan Federal Credit Union

No data points

SPCO Credit Union

Spiral

The following code as a direct deposit:

  • Ally: 1,
  • Charles Schwab: 1,
  • Nearside: 1,
  • Treasury Direct: 1,
  • Wise.com: 1,

Spire Credit Union

No data, please share your experiences in the comments.

Spokane City Credit Union

Stanford Federal Credit Union

The following worked as a direct deposit:

The following didn’t work as a direct deposit:

  • Charles Schwab: 1,
  • Chase: 1,

St. Anne’s Credit Union

Star Financial Bank

Star Bank

Starion Bank

The following do not count as a direct deposit:

Stark Federal Credit Union

Star One Credit Union

The following coded as a direct deposit:

Star of Texas Credit Union

State Bank of Bement

State Bank Of Cross Plains

State Bank Of India (California)

STCU (Spokane Teachers Credit Union)

Step App

  • Uber payout: 1,
  • Wise: 1, 2,

Sterling National Bank

Stock Yards Bank & Trust

Streator Onized Credit Union (SOCU)

Sturdy Savings Bank

St. Mary’s Bank

St Mary’s Credit Union

Stoneham Bank

The following code as a direct deposit:

  • Capital One 360: 1
  • Chase:
  • Santander: 1,
  • SoFi: 1, 2,
  • Wells Fargo: 1, 2,

St Paul Federal Credit Union

S&T Bank

State Security Bank

Suffolk Credit Union

Suffolk Federal Credit Union

Summit Credit Union

Summit Federal Credit Union

Sun Canyon Bank

Suncoast Credit Union

Sun Commnity Federal Credit Union

Sun East Federal Credit Union

No data

Sunflower Bank

  • Capital One: 1,
  • Fidelity: 1, 2,

Sunmark Credit Union

Sun National Bank

SunTrust

The following count as a direct deposit:

The following didn’t work:

Suntrust requires you to bring in a pay stub to confirm that the amount you’re direct depositing is the full amount of your pay check. Update: it looks like SunTrust is no longer asking for paystub verification.

SunWest Credit Union

Superior Credit Union

Synovus Bank

  • Capital One: 1
  • Chase: 1, 2 (via e-mail on 11/30/21)
  • Fidelity: 1,

Sweet Home Federal Credit Union

TAB Bank

Talmer Bank & Trust

The following did not trigger the direct deposit requirement:

  • Capital One: 1
  • Chase: 1
  • Venmo: 1

Taunton Federal Credit Union

TBK Bank

The following code as a direct deposit:

  • Alliant: 1, 2, 3, 4,
  • Charles Schwab: 1,
  • Chase: 1, 2 (business)

TCF Bank

  • Alliant: 1, 2,
  • Ally: 1, 2, 3,
  • Capital One 360: 1, 2,
  • Charles Schwab: 1,
  • Chase: 1,
  • First Tech: 1 (via e-mail on 04/24/18)
  •  Discover:
  • Fidelity: 1

TD Bank

The following count as a direct deposit:

The following do not count as a direct deposit:

TDECU

Teachers Credit Union

The following code as a direct deposit:

  • Alliant: 1,
  • Astra: 1,
  • Simple: 1,
  • Wise: 1,

Tech CU

The following count as a direct deposit:

  • Ally: 1, 2, 3
  • Capital One 360: 1, 2, 3
  • Charles Schwab: 1
  • Chase: 1
  • Citi: 1, 2
  • Discover: 1, 2, 3
  • PNC: 1
  • Schwab: 1, 2
  • Synchrony: 1

TEG Federal Credit Union

Texans Credit Union

Texas Capital Bank

Texas Trust Credit Union

Texell Credit Union

The Bank Of Denver

The Bank of Princeton

The Columbia Bank

The Cooperative Bank

The County Federal Credit Union

The First State Bank

The Police Credit Union

The State Bank Group

The Union Bank Co

ThinkBank

Thomaston Savings Bank

Thrivent Federal Credit Union

The following code as a direct deposit:

  • American Express:
  • Discover: 1, 2,

TIAA Direct

Everbank took TIAA direct over, so it looks like the old data points are no longer accurate. The following are new datapoints:

The following coded as a direct deposit:

The following did not:

  • Capital One: 1,
  • Chase: 1,
  • Discover: 1,

The following coded as a direct deposit:

  • Capital One ACH: 1
  • Capital One 360: 1, 2, 3 (didn’t work)
  • Chase ACH: 1, 2
  • Chase business ACH: 1
  • Discover ACH: 1, 2, 3, 4, 5, 6
  • Fidelity ACH: 1
  • Fidelity CMA: 1
  • Fidelity (FID-Moneyline): 1

The following did not count:

Tobyhana

We have no data points currently.

Tompkins VIST Bank

Toro Credit Union

Torrington Savings Bank

Tower Federal Credit Union

Town Bank

The following code as a direct deposit:

Town and Country Bank

Town & Country Credit Union

Trademark Federal Credit Union

Traditional Bank

Traditions Bank

Transcend Credit Union

TruChoice Federal Credit Union

Travis Credit Union

  • Ally: 1, 2,
  • SoFi: 1,
  • Treasury Direct: 1,

TrueCore Federal Credit Union

Truity Credit Union

Truliant Federal Credit Union

TruPartner Credit Union

TrustCo Bank

TruMark Financial

Counts as a direct deposit:

TruStone Financial

The following worked:

  • American Express:
    • Business checking: 1,
    • Serve: 1,

The following didn’t work:

TruWest Credit Union

The following have counted as a direct deposit in the past:

TTCU (Formerly Tulsa Teachers Credit Union)

Tulsa Federal Credit Union

Tyndall Federal Credit Union

UFB Direct

UFirst Credit Union

Ulster Savings Bank

UMB Bank

The following code as a direct deposit:

  • Alliant: 1, 2, 3,
  • Ally: 1,
  • American Express:
  • Capital One: 1,
  • Charles Schwab: 1, 2, 3, 4, 5, 6, 7,
  • Chase: 1 (business)
  • Fidelity: 1, 2, 3,
  • Marcus: 1,
  • PenFed: 1,
  • Treasury Direct: 1,
  • Wells Fargo: 1,

Umpqua Bank

UniBank

Unify Financial Credit Union

  • Alliant: 1, 2, 3,
  • American Express:
  • Capital One: 1, 2, 3, 4,
  • Charles Schwab: 1 (brokerage), 2, 3, 4, 5, 6, 7,
  • Chase: 1, 2, 3, 4,
  • Discover checking: 1, 2, 3 (didn’t work)
  • Fidelity: 1, 2 (CMA), 3, 4, 5, 6, 7, 8, 9, 10, 11,
  • HSBC: 1,
  • Ticketmaster: 1,
  • Wells Fargo: 1,

Union Bank

The following code as a direct deposit:

Union Bank & Trust (NE & KS)

The following code as a direct deposit:

  • Discover: 1, 2,
  • SoFi: 1, 

Union Bank & Trust (VA, MD, NC)

Now called Atlantic Union Credit Union

  • Alliant: 1, 2,
  • Ally: 1, 2, 3, 4,
  • American Express:
  • Capital One 360: 1 (trial deposits)
  • Charles Schwab: 1, 2,
  • Chase: 1
  • Discover: 1
  • Fidelity: 1, 2, 3, 
  • Merill Edge: 1,

Union Savings Bank

Union Square Credit Union

United Federal Credit Union

United Financial Credit Union

United Heritage Credit Union

United Roosevelt Savings Bank

United States Senate Federal Credit Union

Unity Bank

Unity One Credit Union

University Credit Union

University Federal Credit Union

University of Kentucky Federal Credit Union

Univest

Upgrade

The following worked:

The following didn’t work:

  • Alliant: 1,
  • SFCU: 1,
  • Wise: 1, 2,

USAA

The following did count as a direct deposit:

  • Alliant: 1, 2,
  • Ally: 1, 2, 3,
  • Betterment: 1,
  • BMO Harris: 1
  • Charles Schwab: 1, 2,
  • Chime: 1, 2,
  • Fidelity: 1, 2, 3, 4, 5,
  • Navy Federal ACH: 1
  • Wells Fargo: 1,

The following didn’t count as a direct deposit:

US Alliance Financial

The following did code as a direct deposit:

  • Credit Union 1: 1,
  • Novo: 1,

The following did not code as a direct deposit:

  • Robinhood: 1,
  • SoFi: 1,
  • Vanguard: 1,

USC Credit Union

USE Credit Union

USF Federal Credit Union

US #1364 Federal Credit Union

U$X Federal Credit Union

Utah First Credit Union

Wakefield Co-operative Bank

Walden Savings Bank

Wallet by Boss Money

Washington Savings Bank

Washington Trust

Water And Power Community Credit Union (WPCU)

WaterStone Bank

Watertown Savings Bank

Fineprint specifically states that it must be government benefit or payroll, but we’re not sure if this is enforced or not. The following has worked as a direct deposit:

Waukesha State Bank

Wealthfront

Webster Bank

  • No data points, but usually optional anyway

WECU

We Florida Financial

Wellesley Bank

Weokie Federal Credit Union

Wesbanco

The following work:

  • Fidelity: 1,
  • Keybank: 1, 2,

The following don’t work:

Wescom Credit Union

Westbury Bank

Western State Bank

Western Vista Credit Union

Westerra Credit Union

WestField Bank (MA)

The following code as a purchase:

Westfield Bank (OH)

Westmark Credit Union

WestTown Bank & Trust

Widget Financial

Wilson Bank & Trust

The following code as a direct deposit:

Winden

Wings Financial Credit Union

The following code as a direct deposit:

  • Brex: 1,
  • Capital One: 1, 2,
  • Charles Schwab Brokerage: 1, 2, 3 (didn’t work)
  • Chase: 1 (payroll), 2 (payroll)
  • Fidelity: 1, 2, 3 (didn’t work)

WinTrust

The following code as a direct deposit:

  • Capital One: 1, 2,
  • Charles Schwab: 1, 2, 3, 4,
  • Discover: 1,
  • Fidelity: 1,
  • Wells Fargo: 1,
  • Wise: 1,

The following did not code as a direct deposit:

  • Alliant: 1,
  • Bank of America: 1,
  • Charles Schwab: 1,
  • Chase: 1,
  • T-Mobile Money: 1,

Woori America Bank

WSFS Bank

WyHy FCU

 Valley Bank

We currently don’t have any data points, but the fine print specifically says that a direct deposit or automatic ACH debit/credit would work so any ACH transfer should work. The following works:

Valley First Credit Union

Valley National Bank

The following work:

  • Capital One:
  •  Chase:
    • ACH: 1, 2, 3 (didn’t work)
    • Initial ACH funding: 1,
  • NFCU: 1,

The following don’t work:

ValleyStar Credit Union

Valley Strong Credit Union

Vantage Credit Union

VantageWest

The following code as a direct deposit:

  • Paypal: 1, 2, 3, 4,
  • Wells Fargo: 1,

Varo Money

The following worked:

  • Alliant: 1, 2, 3, 4,
  • Ally: 1, 2, 3, 4, 5 (didn’t work), 6 (didn’t work)
  • Bank of America: 1, 2 (didn’t work)
  • Capital One: 1, 2 (didn’t work)
  • Charles Schwab: 1,
  • Chase: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11 (didn’t work), 12,
  • Discover: 1, 2 (savings), 3, 4, 5, 6, 7,
  • M&T: 1, 2, 3, 4, 5,
  • Santander: 1, 2 (didn’t work)
  • Square cash: 1, 2 (didn’t work)
  • Unify: 1,
  • USAA: 1, 2,
  • Wealthfront: 1, 2, 3,
  • Wise: 1,

The following didn’t work:

  • BB&T: 1,
  • Charles Schwab: 1,
  • Goldman Sachs: 1,
  • PayPal: 1,
  • SunTurst: 1,
  • Vanguard: 1
  • Wells Fargo: 1,

Veridian Credit Union

Vectra Bank

Venmo

Verity Credit Union

The following code as a direct deposit:

  • Axos: 1,
  • Ally: 1,
  • Charles Schwab: 1, 2,
  • USAA: 1,

Vibrant Credit Union

Virginia Credit Union

Visions Federal Credit Union

Vista Bank

The following works:

The following doesn’t work:

VyStar Credit Union

Xceed Financial Credit Union

Yolo Federal Credit Union

Zeal Credit Union

ZYNLO Bank

  • Capital one: 1,
  • Discover: 1,

William Charles

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