I recently contacted Countrywide regarding setting up my Countrywide Online SavingsLink account for bill payments. They told me to select account type as Money Market Checking account even though it is an Online savings account. Before they replied 2 days later, I had already setup my Citi cards for click to pay payments with my Countrywide account since I know Citi takes payments from Savings accounts. I had selected "savings" as the account type before they replied and told me to select checking. After the 6-7 days it took to verify the account, it shows up in my Citi bank information as a "checking" account even though I had selected savings.

Since the Countrywide SavingsLink appears to be electronically identified as a Checking Account (according to Citi and what Countrywide told me to select) has anyone set up and paid their Chase or American Express credit cards with Countrywide SavingsLink accounts? I don't like keeping money in my checking account because I get a lot less than Countrywides 5.40%. So if I could pay all my credit cards w/ Countrywide and not have to leave money in my checking to pay AMEX and Chase (which only take from Checking accts) that would be great.

Reason I ask is because for American Express they are very specific about the account ONLY being a checking account. But since Countrywide is seen as a checking account has anyone successfully made payments from their savings link account to American Express and Chase who only take payments from checking accounts? Or will AMEX reject the payment because its "seen" as a Money Market Checking Acct? I don't want to attempt to pay my entire balance get slapped w/ a late fee if they reject the payment. I also don't want to get charged a fee if I try a small payment amount like $1, then get charged a $25 fee for rejected or non paid funds.

So I am wondering if anyone has paid AMEX or Chase successfully with their Countrywide SavingsLink account. When I called customer service they said SavingsLink is a savings account and they only take from Checking. I explained that Countrywide said it shows up as Checking and they said they don't know anything about that and could not guarantee payment would go through. Each bank is telling me its up to the other bank. So I'm wondering if anyone on FW has been successfully paying Chase and AMEX w/ Countrywide SavingsLink as a "checking account" funding source. Thanks for your input.

from AMEX:
Enter your bank information
You are registering a checking account to pay your bill online. To do so, you'll need to enter and verify your bank
account number and routing number which are located at the bottom of one of your paper checks for this account.
When you've entered the required information and agreed to the Terms and Conditions, click "Continue".
You must use a checking account from your bank, credit union or savings and loan. We cannot enroll savings,
money market, line of credit, or credit and investment accounts. Please note, you must be an authorized signer on
the checking account, and you cannot enroll using information from a balance transfer check.
In the steps that follow you will have the opportunity to assign this bank to other Card accounts.
You may assign up to three bank accounts per Card account.

from Countrywide:
Dear Valued Customer,

Thank you for banking with Countrywide Bank.

In the event you are setting up your SavingsLink account with another financial institution or direct deposit please select account type as Money Market Checking. In response to your inquiry, due to Financial Institutions not recognizing that the SavingsLink account is a savings account. You should indicate that it is a Money Market Checking account to assure the transfer request will process.

If you have any other questions, please send us a message or contact one of our Customer Care Representatives at (877) 292-2655 Monday through Friday between the hours of 7am-7pm. Thank you again for banking with Countrywide Bank.

We appreciate your business
Customer Care Team