How do I BT to Checking

[fltn]

How do I do a BT to myself into my checking acct?

I want to use my NFCU card and pay myself into my checking account at USAA.

Also is NFCU site down right now?

EDIT - I do not have BT checks, I need to know how to do it from the site. Do I just use my bank acct # and my name?

[VegasKyle]

Most CC companies frown on this practice as a way to get around cash advance fees.  I would BT to another CC and ask for a refund for the over payment. Example: Transfer $1000 from card A to card B (that has a 0 balance) ask card B to refund the over payment via checking account. 

[09Lexie]

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@fltn wrote:

How do I do a BT to myself into my checking acct?

I want to use my NFCU card and pay myself into my checking account at USAA.

Also is NFCU site down right now?

EDIT - I do not have BT checks, I need to know how to do it from the site. Do I just use my bank acct # and my name?

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Do you bank with NFCU? If so, it should be a simple transfer request.  Outside institutions would require routing/account numbers. 

As far as it being frowned upon - not sure where that information is coming from.  CUs tout this feature, BoA does as well. 

[VegasKyle]

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@09Lexie wrote:

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@fltn wrote:

How do I do a BT to myself into my checking acct?

I want to use my NFCU card and pay myself into my checking account at USAA.

Also is NFCU site down right now?

EDIT - I do not have BT checks, I need to know how to do it from the site. Do I just use my bank acct # and my name?

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Do you bank with NFCU? If so, it should be a simple transfer request.  Outside institutions would require routing/account numbers. 

As far as it being frowned upon - not sure where that information is coming from.  CUs tout this feature, BoA does as well. 

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I know when I attempted to do the same thing with Discover they said it was not allowed, you could only BT to a CC or Loan.

[fltn]

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@09Lexie wrote:

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@fltn wrote:

How do I do a BT to myself into my checking acct?

I want to use my NFCU card and pay myself into my checking account at USAA.

Also is NFCU site down right now?

EDIT - I do not have BT checks, I need to know how to do it from the site. Do I just use my bank acct # and my name?

---

Do you bank with NFCU? If so, it should be a simple transfer request.  Outside institutions would require routing/account numbers. 

As far as it being frowned upon - not sure where that information is coming from.  CUs tout this feature, BoA does as well. 

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Yeah I do bank with NFCU, but I also bank with USAA mostly. I want to get cash from my BT at 2.99% instead of a cash advance.

I have checks from NFCU but they offer my normal rate and since I do not have BT checks I can't just write it to myself.

Also the BT from NFCU says it can not pay another NFCU acct.

Thank you Lexie for your reply.

I do not believe it is frowned upon either like someone else said, and I just did a BT with Discover about a month and a half ago and it said that I could pay off CC's, auto loans, installment loans, friends, family, and myself. The only thing I could not pay off was another Discover account or a checking line of credit (LOC) It even gave me an option to send it to my checking account. 

Also I am not willing to over pay a CC and request a refund to me that fells more frowned upon that directly sending myself money. Why involve and extra creditor for no reason. Just my opinion.

[fltn]

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@VegasKyle wrote:

Most CC companies frown on this practice as a way to get around cash advance fees.  I would BT to another CC and ask for a refund for the over payment. Example: Transfer $1000 from card A to card B (that has a 0 balance) ask card B to refund the over payment via checking account. 

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Yeah I read that on my Google search too, about the 3rd one down.

Seems like a lot of work and involving another company for no reason. Thanks though.

[JSS3]

Chase will allow you to BT to your checking but only once every 90 days.

[VegasKyle]

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@fltn wrote:

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@VegasKyle wrote:

Most CC companies frown on this practice as a way to get around cash advance fees.  I would BT to another CC and ask for a refund for the over payment. Example: Transfer $1000 from card A to card B (that has a 0 balance) ask card B to refund the over payment via checking account. 

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Yeah I read that on my Google search too, about the 3rd one down.

Seems like a lot of work and involving another company for no reason. Thanks though.

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If they let you do it, go for it.  I'm just relaying what I was told by Discover.  I gave them the account number for my Ck account and was told it was not allowed and would be treated as a cash advance if I wanted to proceeded. 

[fltn]

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@VegasKyle wrote:

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@fltn wrote:

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@VegasKyle wrote:

Most CC companies frown on this practice as a way to get around cash advance fees.  I would BT to another CC and ask for a refund for the over payment. Example: Transfer $1000 from card A to card B (that has a 0 balance) ask card B to refund the over payment via checking account. 

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Yeah I read that on my Google search too, about the 3rd one down.

Seems like a lot of work and involving another company for no reason. Thanks though.

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If they let you do it, go for it.  I'm just relaying what I was told by Discover.  I gave them the account number for my Ck account and was told it was not allowed and would be treated as a cash advance if I wanted to proceeded. 

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I did an actal BT on my Discover.

[hammertime]

When you request the BT on NFCU site use your USAA checking account number and send payment to the USAA mailing address for bank deposits.  Works pretty smooth.  I just did it a few weeks ago.