@Bman70 wrote:
A simple bank transfer likely won't count as a qualifying direct deposit. I ended up just moving all my banking to USAA.. like you I wanted to keep my old bank at first. But USAA has a lot of cool features that just make it more convenient. I can use any ATM anywhere, and USAA refunds any ATM fees the same month. So never an ATM fee. Also direct deposits show up a day before they did at Chase. I can deposit checks by just taking a photo on my iPad, and it's immediately available. The only challenge is depositing cash.. no local branches. So if I really need to, I just use my old Chase account then do a free transfer to USAA, available immediately.
+1
Your USAA/Chase arrangement seems to be very similar to my own USAA/Wells Fargo setup.
In my case USAA is also my 'primary', but if my balance at WF ever drops below the required amount to get the monthly fee waived I just use USAA's transfer feature (which is free) to send $500 over to my WF checking, which WF treats like a direct deposit and gets the fee waived. I also deposit all cash into a WF ATM (when necessary) and do a transfer just like you describe... instant credit, easy-peasy, and works like a charm! 
It's literally the best of all worlds, and totally fee-free all the way around. 
@Aduke1122 wrote:
A bank ACH transfer will count as a qualified direct deposit as long as it is 1k , it has to be transferred in one lump sum one transfer , ACH transfer are free so there would be no charges to do it this way
Can can anyone confirm this working? Have you done it Aduke? Many financial sites report it not working:
http://www.doctorofcredit.com/knowledge-base/list-methods-banks-count-direct-deposits/#USAA
http://www.moneysmylife.com/how-to-meet-direct-deposit-requirements-for-bank-bonus-promotions/#USAA
USAA fine print:
*3 A qualifying direct deposit is a single electronic transfer of at least $1,000 that you initiate with your employer, a government entity or an external financial institution. Funds transfers between USAA accounts are not qualifying direct deposits.
Sorry I can't help with the ACH transfer question but to close the loop on my own issue, I was able to get payroll to peel off $1000 from my monthly pay and deposit it into the USAA. I will probably slowly start shifting over all of my bill pay, etc. to the USAA account but that will take time as my WF is set up to do everything on autopilot right now and I don't want to deal with the brain damage 
I've done the ACH transfer from a different account. It works just fine for me.
@Anonymous wrote:
@Bman70 wrote:
@Aduke1122 wrote:
A bank ACH transfer will count as a qualified direct deposit as long as it is 1k , it has to be transferred in one lump sum one transfer , ACH transfer are free so there would be no charges to do it this way
Can can anyone confirm this working? Have you done it Aduke? Many financial sites report it not working:
I can confirm I do this. I transfer > $1000 from one of my BoA accounts to USAA each month and get the benefit for Limitless
Amusingly enough, I also transfer $250 from USAA to another BoA account to avoid a fee on that account
Thanks. I assume you "push" those transfers? I.e. from BofA to USAA is initiated from your BofA account. Doesn't that have a $3 ACH fee
Is this USAA limitles or http://www.doctorofcredit.com/faq-amex-blue-business-card/ better for non-category spend?
Starting Score: Ex08-732,Eq08-713,Tu08-717
Subexistence, I'd pick the Limitless every time! Rewards post as soon as the transaction clears.There are no caps or meeting cash in limits. This is my go to card for non-category spend.
Bman depends on your banking institution. I try not to bank with those that charge ACH fees.
Bman depends on your banking institution. I try not to bank with those that charge ACH fees.