Credit Union Checking Account Question :Updated Issue resolved

[AndySoCal]

I  currently use Ally Bank for checking and savings. I am a member of Langely FCU. I saw that they have High Yield Savings Account and a checking account with  no monthly maintenance fees. The savings account is about a quarter to a half point higher than Ally. So I opened a checking account with no problems.  This issue is resolved-The problem is with Redstone FCU and State Department  FCU the on line bill pay wants to send a paper check to them. I know can ACH the monies then pay the bill. I am not willing to do because on line bill pay at other banks does not have this problem

I was using my laptop versus my desktop where my screen is larger. When I tried to add these credit union accounts on the laptop I did not see them due the screen size. So I added them manually which caused the paper check option to be selected.Today I added them and remembered to scroll down then I was able to added them so they would paid electronically.

Questions:

1. Does anyone know of a crecit union bill pay that does not have this issue?

2. If I were to move my accounts to another bank does anyone have any experience with Bask Bank?

Edited to remove Newtek Bank

TIA for any input

[Kforce]

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@AndySoCal wrote:

I was using my laptop versus my desktop where my screen is larger.

When I tried to add these credit union accounts on the laptop I did not see them due the screen size. So I added them manually which caused the paper check option to be selected. Today I added them and remembered to scroll down then I was able to added them so they would paid electronically.

Questions:

1. Does anyone know of a crecit union bill pay that does not have this issue?

Would like clarification.   

With the second try of adding them was the "State Department  FCU" able to be linked to be paid ACH?

If so, have you made a payment and had success with it being electronic not by checkin the mail?

[AndySoCal]

@Kforce  Yes with second try I was able to get State Department to electronic and not check. I  have not made any payments yet. When I do I will send the payment early to make sure everything posts correctly. Also if there is problem I have time to recover from it before the due date.

[Kforce]

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@AndySoCal wrote:

@Kforce  Yes with second try I was able to get State Department to electronic and not check. I  have not made any payments yet. When I do I will send the payment early to make sure everything posts correctly. Also if there is problem I have time to recover from it before the due date.

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Always the way to make payments.

Early with time to recover.

Curious because I know of some one who is thinking of a "State Department Card" and uses billpay pushing for card payments.

Most institutions have no issue however as with all things a few places seem to not be able to have "Pushed - ACH Payments".

Let me know after your first push goes thru, if you don't mind.

Thanks

[AndySoCal]

@Kforce  I have using Discover and Ally bill pay to  pay SDFCU  since I opened the account in June 2023. Nary a problem. I will see if Langley breaks the string. I will update.

If that somone is thinking about I would encourage them to go for it. In my own experience I was given  an auto CLI on the one year anniversary. The starting limit was 15000 after the auto CLI 20000.  I would have used SDFCU for the checking if their ACH transfer limits were higher for non bill transfers. Also Langley has higher CD and savings rates.

[AndySoCal]

@Kforce @Here is another option is Fortera credit union. They have 2% cash back cards as well I have not done any "science experiments " to see what there credit limits are like

https://forteracu.com/banking/personal/credit-cards 

I am member of this credit union was well.

[AndySoCal]

@Kforce  I have one bill pay for SDFCU that will go out on Friday. If this succeeds as expected then all of my billers will have worked. I have kept the Ally accounts open where I was banking just in case.

[Hipployta]

Just want to make sure you knew that Langley HYSA only allows you 1 withdrawl a month and no reversals. If you do 2 the interest rate drops to like .05%. It is also tiered so only the first $10K gets the higher rate then it drops to .05%. I had part of my downpayment there, $29,400, and it paid out 1.76% for March with the combined rate for $34.80.

[AndySoCal]

@Hipployta , With the my design checking avvount saver option the limit on the HYSA limit goes upto 25,000. As a just in case, I have linked my Vanguard Cash Plus Account to Langley. I am aware of the one withdrawal a month limit. 

[Hipployta]

Oh up to $25K is much better. I hadn't looked into the MyDesign rebrand since it looked the same. I'll check it out!