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NFCU checking ACH issue

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Yasselife
Valued Contributor

NFCU checking ACH issue

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


Gardening since: August 11, 2025
Message 1 of 17
16 REPLIES 16
spiritcraft1
Valued Contributor

Re: NFCU checking ACH issue


@Yasselife wrote:

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


They do not allow it.  It is the one area that is lacking with NFCU Checking / Savings accounts.  They would still be my main personal checking account if they had this feature.  Many other CU's have that feature and the funds are there the next AM.  Banks take days for the most part as there is interest gained in holding that money for a few days.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 2 of 17
Yasselife
Valued Contributor

Re: NFCU checking ACH issue

@spiritcraft1 You answered my question. Thank you a lot.


Gardening since: August 11, 2025
Message 3 of 17
SouthJamaica
Mega Contributor

Re: NFCU checking ACH issue


@Yasselife wrote:

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


1. Yes it does not make sense.

 

2. No, you are not doing something wrong. It's NFCU that's doing something wrong. They don't let you pull ACH transfers to deposit accounts, only to credit accounts. Makes zero sense.  You have to push the transfers from outside. 


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 17
spiritcraft1
Valued Contributor

Re: NFCU checking ACH issue


@SouthJamaica wrote:

@Yasselife wrote:

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


1. Yes it does not make sense.

 

2. No, you are not doing something wrong. It's NFCU that's doing something wrong. They don't let you pull ACH transfers to deposit accounts, only to credit accounts. Makes zero sense.  You have to push the transfers from outside. 


You would think that they would want to make it easier to bring cash into their accounts. They already have it all set up for loans.  I don't get the reasoning at all.


Biz |
Current F08 -
Current 2,4,5 -
Current F09 -
No PG Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, Citi Tractor Supply Rev .8k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k, B&H Photo, $5k

Message 5 of 17
FireMedic1
Community Leader
Mega Contributor

Re: NFCU checking ACH issue


@spiritcraft1 wrote:

@Yasselife wrote:

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


They do not allow it.  It is the one area that is lacking with NFCU Checking / Savings accounts.  They would still be my main personal checking account if they had this feature.  Many other CU's have that feature and the funds are there the next AM.  Banks take days for the most part as there is interest gained in holding that money for a few days.


+1 I left over a year ago for the same reason. The account is still open but havent used it since. Surprised its still open. But I can make payments to the More Rewards from Chase. Go figure.



BK Free Aug25
Message 6 of 17
SouthJamaica
Mega Contributor

Re: NFCU checking ACH issue


@spiritcraft1 wrote:

@SouthJamaica wrote:

@Yasselife wrote:

Since I joined NFCU 2 months ago, I can't make ACH transfers from an external account into my nfcu checking; it only allows me by quickpay[Zelle] or to make credit card payments. 
I must be doing something wrong since It doesn't make sense.

help!


1. Yes it does not make sense.

 

2. No, you are not doing something wrong. It's NFCU that's doing something wrong. They don't let you pull ACH transfers to deposit accounts, only to credit accounts. Makes zero sense.  You have to push the transfers from outside. 


You would think that they would want to make it easier to bring cash into their accounts. They already have it all set up for loans.  I don't get the reasoning at all.


You would think Smiley Happy


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 7 of 17
Duriel
Frequent Contributor

Re: NFCU checking ACH issue

I tried that once and they locked my account and the fraud department called me. Ended up just writing myself a check. 


Message 8 of 17
Yasselife
Valued Contributor

Re: NFCU checking ACH issue

@Duriel I like how active you're on here, thank you for sharing your knowledge and experience.


Gardening since: August 11, 2025
Message 9 of 17
tussking
Established Contributor

Re: NFCU checking ACH issue

Small issue I can easily look past for everything they offer and have done for me.

 

I write a check from my external account to cash and deposit in NFCU mobile app and the money is there next day.

 

Never ever an issue.

Discharged BK7 - 7.16.15
Current Fico8 - (8.2022) EX - 744/EQ - 728/TU - 740
Message 10 of 17
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