Bank Accounts That Can Be Funded With A Credit Card (2026)

Saving money on bank accounts that can does not have to be complicated. We rounded up the essentials so you can spend less and skip the guesswork.

Key Takeaways

• When you open a new savings or checking account, some banks give you the option of using your credit card for the initial deposit.
• On this page we’ve got a number of data points for which banks (and credit cards) count as cash advances and which don’t.
• Jump to comments Avoid cash advance fees by setting your cash advance limit to $0.

When you open a new savings or checking account, some banks give you the option of using your credit card for the initial deposit. On this page we’ve got a number of data points for which banks (and credit cards) count as cash advances and which don’t.

Jump to comments

Avoid cash advance fees by setting your cash advance limit to $0. You can call up your bank and request your cash advance limit be set to $0. Also remember that this is just a collection of data points and by no means means that your transaction will not be coded as a cash advance.

Contents

• 1 Popular Banks
  • 1.1 Bank of America
  • 1.2 Chase
  • 1.3 Citibank
  • 1.4 Civista Bank
  • 1.5 Discover
  • 1.6 PNC
  • 1.7 Santander
  • 1.8 Wells Fargo
  • 1.9 U.S. Bank
• 2 Smaller Banks
  • 2.1 1st Financial Federal Credit Union
  • 2.2 1st Mariner Bank
  • 2.3 1st United Credit Union
  • 2.4 3Rivers Federal Credit Union
  • 2.5 4Font Credit Union
  • 2.6 7 17 Credit Union
  • 2.7 A+ Federal Credit Union (A+FCU)
  • 2.8 Abington Bank
  • 2.9 Academy Bank
  • 2.10 Achieva
  • 2.11 Addition Financial
  • 2.12 Advance Financial Federal Credit Union (AFFCU
  • 2.13 Rivermark Credit Union (Formerly Advantis Credit Union)
  • 2.14 Adventure Credit Union
  • 2.15 Adventure Credit Union
  • 2.16 Advia Credit Union
  • 2.17 AFFCU
  • 2.18 Affinity Federal Credit Union
  • 2.19 Affinity Plus Credit Union
  • 2.20 Agriculture Federal Credit Union
  • 2.21 Alabama Central Credit Union
  • 2.22 Alabama Credit Union
  • 2.23 Allegacy Credit Union
  • 2.24 AllTru Credit Union
  • 2.25 Altra Federal Credit Union
  • 2.26 Amalgamated Bank
  • 2.27 Amerant Bank
  • 2.28 American Bank & Trust
  • 2.29 American Eagle Financial Credit Union
  • 2.30 America’s Christian Credit Union
  • 2.31 America’s Credit Union
  • 2.32 American Heritage Credit Union
  • 2.33 America’s Credit Union [TX]
  • 2.34 AmeriCU Credit Union
  • 2.35  
  • 2.36 Andigo Credit Union
  • 2.37 Arapahoe Credit Union
  • 2.38 Ardent Credit Union
  • 2.39 Arizona Federal Credit Union
  • 2.40 Arizona Financial Credit Union
  • 2.41 Arizona State Credit Union (now OneAZ Credit Union)
  • 2.42 Armed Forces Bank
  • 2.43 Arrowhead Credit Union
  • 2.44 Arundel Federal Savings Bank
  • 2.45 Aspire Credit Union
  • 2.46 Associated Bank
  • 2.47 Banner Bank
  • 2.48 Bankers Trust
  • 2.49 bankESB (East Hampton Savings Bank)
  • 2.50 BankHometown
  • 2.51 Bank of Colorado
  • 2.52 Bank Independent
  • 2.53 Bank of Maine
  • 2.54 Bank of the West
  • 2.55 Bank & Trust
  • 2.56 Bankwell
  • 2.57 BayCoast Bank
  • 2.58 BB&T
  • 2.59 BBVA Compass
  • 2.60 Beacon Credit Union
  • 2.61 Bell Bank
  • 2.62 Bellwether Community Credit Union
  • 2.63 Berkshire Bank
  • 2.64 BethPage Credit Union
  • 2.65 Blaze Credit Union
  • 2.66 BluPeak Credit Union
  • 2.67 Blue Hills Bank
  • 2.68 Blue Federal Credit Union
  • 2.69 BMI Federal Credit Union
  • 2.70 BMO Harris
  • 2.71 Boulder Valley Credit Union
  • 2.72 Brilliant Bank
  • 2.73 Broadway Bank
  • 2.74 Busey Bank
  • 2.75 California Coast Credit Union
  • 2.76 Callaway Bank
  • 2.77 Cambridge Savings Bank
  • 2.78 Camden National Bank
  • 2.79 Campus Federal Credit Union
  • 2.80 Cape & Coast Bank
  • 2.81 Capital Bank
  • 2.82 Capital City Bank
  • 2.83 Capital One
  • 2.84 CEFCU
  • 2.85 Centra Credit Union
  • 2.86 Central Bank (OK & MO)
  • 2.87 Central Bank (Iowa, Minnesota, and the Dakotas)
  • 2.88 Central Minnesota Credit Union
  • 2.89 Central Willamette Credit Union
  • 2.90 Chartway Credit Union
  • 2.91 Charter One
  • 2.92 Christian Credit Union
  • 2.93 Citadel Credit Union
  • 2.94 Citizens Bank
  • 2.95 Clearview Federal Credit Union
  • 2.96 Clinton Savings Bank
  • 2.97 Coastal Credit Union
  • 2.98 Collins Community Credit Union
  • 2.99 Columbia Bank (NJ)
  • 2.100 Columbia Credit Union
  • 2.101 CommonWealth One Credit Union
  • 2.102 Communication Federal Credit Union
  • 2.103 CommunityAmerica Credit Union
  • 2.104 Community Choice Credit Union
  • 2.105 Community Financial Credit Union
  • 2.106 Community First Credit Union - CA
  • 2.107 Community First Credit Union of Florida
  • 2.108 Compass Credit Union
  • 2.109 Consumers Credit Union
  • 2.110 Cornerstone Bank
  • 2.111 Connex Credit Union
  • 2.112 Country Bank For Savings
  • 2.113 Credit Human
  • 2.114 Credit Union One
  • 2.115 Credit Union SoCal
  • 2.116 Credit Union of Texas
  • 2.117 Dearborn Savings Bank (DSB)
  • 2.118 Del Norte Credit Union
  • 2.119 Delta Community Credit Union
  • 2.120 Desert Financial Credit Union
  • 2.121 Destinations Credit Union
  • 2.122 DFCU Financial
  • 2.123 Digital Federal Credit Union
  • 2.124 Dort Federal Credit Union
  • 2.125 Dupaco Credit Union
  • 2.126 Earn Bank
  • 2.127 Eastern Bank
  • 2.128 East Cambridge Savings Bank
  • 2.129 ECCU
  • 2.130 Education Credit Union
  • 2.131 Educational Systems Federal Credit Union
  • 2.132 Excite Credit Union
  • 2.133 Elevations Credit Union
  • 2.134 Emprise Bank
  • 2.135 ENT Credit Union
  • 2.136 Equity Bank
  • 2.137 Evansville Teachers Credit Union
  • 2.138 Fairwinds Credit Union
  • 2.139 Farmers Insurance Federal Credit Union
  • 2.140 Farmington Bank
  • 2.141 Fidelity Bank (PA)
  • 2.142 Firefighters First Credit Union
  • 2.143 Firefly Credit Union
  • 2.144 First Advantage Bank
  • 2.145 Firs

    Final Thoughts

    The bottom line: a little research on bank accounts that can goes a long way. Compare your options, watch for seasonal offers, and never pay full price when a better deal is one click away.

    Originally published at doctorofcredit.com.