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BofA CR: Pull payment from non-cardholder checking?

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Super Contributor

BofA CR: Pull payment from non-cardholder checking?

If I use my BofA WWF Cash Rewards card to make an "online shopping" purchase for DM, will BofA let me pull a payment from her Chase personal checking account? She is not an AU on the card, nor a BofA customer in any capacity.

 

We have different addresses. She uses a "Maiden-Married" style last name.

 

We've done it before with Amex so that is the alternative.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 1 of 19
18 REPLIES 18
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Moderator

Re: BofA CR: Pull payment from non-cardholder checking?

I think you have to attest you Smiley Surprisedwn: the account in some fashion. In these cases I strongly suggest a push from the account to yours to avoid any possible improprieties.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

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Message 2 of 19
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Valued Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@gdale6 wrote:
I think you have to attest you Smiley Surprisedwn: the account in some fashion. In these cases I strongly suggest a push from the account to yours to avoid any possible improprieties.

+ 1

 

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Message 3 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?

Thanks. Amex it is!

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 4 of 19
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Frequent Contributor

Re: BofA CR: Pull payment from non-cardholder checking?

It is really easy to transfer money between Bank of America and Chase, I would probably just help her set up Zelle and send you the money that way to make the payment.  









Message 5 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@sxa001 wrote:

It is really easy to transfer money between Bank of America and Chase, I would probably just help her set up Zelle and send you the money that way to make the payment.  


To put it mildly, she is not an early adopter of new technology. I've been telling her about the ease and reliability of mobile check deposit for years and she still drives to the bank.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, Freedom x 2, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 6 of 19
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Mega Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@sxa001 wrote:

It is really easy to transfer money between Bank of America and Chase, I would probably just help her set up Zelle and send you the money that way to make the payment.  


+1

 

Just used Zelle this afternoonSmiley Happy

 

ETA: They have really raised the Zelle limits, making it much more usable for "Instant" transfers.

I noticed it was $5K available for Zelle transfer .. I think the limit used to be $300Smiley Tongue

 

Message 7 of 19
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Valued Contributor

Re: BofA CR: Pull payment from non-cardholder checking?


@gdale6 wrote:
I think you have to attest you Smiley Surprisedwn: the account in some fashion. In these cases I strongly suggest a push from the account to yours to avoid any possible improprieties.

Agreed. Don't risk it. Without thinking once, I tried to push a transfer to another checking account without my name on it and got my checking account shut down. At worst,  I expected a decline and an explanation of why it was declined. 

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    Equifax = 820, 0/24

Total 2019 rewards, incl. offers/deals = $1,709.07
Avg. rewards rate, incl. offers/deals = 3.92%

Total CL: $247,000

Cards (hover over for CL | interest rate | Date Opened):
Message 8 of 19
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Valued Member

Re: BofA CR: Pull payment from non-cardholder checking?

Technically, you aren't supposed to do this, but I have done it dozens of times, maybe hundreds, without issue.

 

It's like someone handing you their credit card and telling you to buy something. As long as you have the owner's permission, they aren't going to challenge it and the banks don't care.

 

I apid my Dad's Visa, he paid my card, etc, never an issue in 20 years

REDcard $2500 SL
BB&T $11k SL- impulse application
BB&T $11k SL- AU, not on reports- impulse app (wife's card)
Discover $2800 CL- $1k SL- AU, no longer on reports b/c of Experian error (wife's card)
Citi Double Cash World MC $2900 SL- AU- (wife's card)
AmEx Cash Magnet- $3100 SL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card)
All PIF, frequently before statement close

Goals: Buy a house & get approved for an AOD VISA Signature card (3% cashback)
Message 9 of 19
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Super Contributor

Re: BofA CR: Pull payment from non-cardholder checking?

Chase has a new credit card going live, "Freedom Flex". 
200 clams as a sign up bonus.  
Might be worth a suggestion to DM.  

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