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I pay my Sprint Phone Bill with micro payments to satifiy my reward checking account requirements. Sprint put a limit on credit card payment transactions. Anyone else having this problem with Sprint

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NVcheapster said:   I pay my Sprint Phone Bill with micro payments to satifiy my reward checking account requirements. Sprint put a limit on credit card payment transactions. Anyone else having this problem with Sprint
  No, but Geico banned me from online payments for a year, hahah!  What limitation did Sprint hand you?

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False alarm. Must of been a problem with one of my banks. Works now.

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I do 10 payments of $10.00, $10.01, $10.02, etc.  No problem

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Dish Network banned me from online payments for 6 months after several micro-payments,  so I switched to DirecTV.   

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msnut1 said:   One advantage of the CCU Visa card, is that you can use a debit card to make a payment (costs $3.50), but if you can make a large enough payment with a rewards debit card, it can be worth it.
  Have you tried the paypal debit card to see if you get 1% Cash Back?  If not, which debit cards are you using with CCU?  

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What is the best acct. that allows max balance and high rate?

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needhelpplease said:   What is the best acct. that allows max balance and high rate?
 

  Bank of the Internet (BofI.com) pays 1.25% per annum on $150,000 With direct deposit and 15 Debit card transactions per month.  Balances above $150K earn Zero..
 

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pennsatuckian said:   
needhelpplease said:   What is the best acct. that allows max balance and high rate?
  Bank of the Internet (BofI. com) pays 1.25% per annum on $150,000 With direct deposit and 15 Debit card transactions per month.  Balances above $150K earn Zero..


I was hoping for something more.  
e.g  Cap 360 MMA offers 1% w/o hoops.

 

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Synchrony bank is 1.05% APY without hoops.

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does it have to be a real DD or does ach push work? 

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If you funded your 777 account with the CCU credit card, pls share your findings: cash advance or purchase?

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drzeyas said:   If you funded your 777 account  with the CCU credit card, pls share your findings: cash advance or purchase?
  
Which card https://www.myconsumers.org/loans-credit/visa-cards/

BTW Is their 4+% rate currently the highest? not a teaser?

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I've created a database to make this all easier for us to read with current info. I'm going to try to slowly add entries to it. Once I have a pretty good list, I'll publish it for everyone to see. If you want to help, the form is here: http://sodadb.com/form.php?i=Z3rQtDbXQJD8rdGxSV53 Just re-open the link to add more entries. Thanks!

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I've created a database to make this all easier for us to read with current info. I'm going to try to slowly add entries to it. Once I have a pretty good list, I'll publish it for everyone to see. If you want to help, the form is here: http://sodadb.com/form.php?i=Z3rQtDbXQJD8rdGxSV53 Just re-open the link to add more entries. Thanks!

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I think you'll get more bites if you provide a way to know which banks have already been entered

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Good idea! I'll start making a list in this post. Please only add interest checking accounts (high yield, rewards checking, etc.) I hope to make one for savings accounts, but not yet.

If a company has more than one type of interest account offered, please make a separate entry for each account.  Follow the format  Name (Name of Account) for the entry.  Example 1:  Joe's Bank (Joe's Awesome Checking)  Example 2:  Joe's Bank (Lazy Checking for Old People)

So far I've added:

Banks
Coulee Bank
Providence Bank
EverBank 

Credit Unions
Bridge Credit Union
Landmark Credit Union
Inspirus Credit Union
Schools Financial Credit Union
Community West Credit Union

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do anyone know whether the consumer credit union (CCU)'s reward checking account is FDIC insured?

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funlovers said:   do anyone know whether the consumer credit union (CCU)'s reward checking account is FDIC insured?
  No.  Credit Unions are NOT ELEGIBLE for FDIC Insurance...They are covered by NCUA another Federal Agency.

https://www.myconsumers.org/home/ncua-federal-insurance.html 

 

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Thanks. Is this kind of equivalent to FDIC Insured?

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pennsatuckian said:   
funlovers said:   do anyone know whether the consumer credit union (CCU)'s reward checking account is FDIC insured?
  No.  Credit Unions are NOT ELEGIBLE for FDIC Insurance...They are covered by NCUA another Federal Agency.

https://www.myconsumers.org/home/ncua-federal-insurance.html 

 

Thanks. Is this equivalent to FDIC Insured?

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Yes, NCUA insurance is basically equivalent to FDIC insurance. There are a few credit unions that are not NCUA insured (backed by a private share insurance company like ASI). You can do your own research to determine how comfortable you'd be putting your money somewhere with only private insurance.

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gergles said:   Yes, NCUA insurance is basically equivalent to FDIC insurance. There are a few credit unions that are not NCUA insured (backed by a private share insurance company like ASI). You can do your own research to determine how comfortable you'd be putting your money somewhere with only private insurance.
  Great. Thanks for the information.

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I just opened an account with CCU. How accurate is the counter? I've made several small credit transactions and the counter is still at 0.

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lumangoy said:   I just opened an account with CCU. How accurate is the counter? I've made several small credit transactions and the counter is still at 0.
  Very accurate, but takes a couple days to register.

On another note, according to Dr of Credit, Amazon raised it's minimum for gcs to $1, but reloads, at least to now, are still .50.

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cruzinn said:   
lumangoy said:   I just opened an account with CCU. How accurate is the counter? I've made several small credit transactions and the counter is still at 0.
  Very accurate, but takes a couple days to register.

On another note, according to Dr of Credit, Amazon raised it's minimum for gcs to $1, but reloads, at least to now, are still .50.

  yeah, I saw that.

6 finally showed up just now. I checked earlier this morning and it was still zero. I was getting a bid worried that none have been showing up.

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lumangoy said:   
cruzinn said:   
lumangoy said:   I just opened an account with CCU. How accurate is the counter? I've made several small credit transactions and the counter is still at 0.
  Very accurate, but takes a couple days to register.

On another note, according to Dr of Credit, Amazon raised it's minimum for gcs to $1, but reloads, at least to now, are still .50.

  yeah, I saw that.

6 finally showed up just now. I checked earlier this morning and it was still zero. I was getting a bid worried that none have been showing up.

  After your purchase finally posts, it takes another business day for the counter to increase.  Also, it seems that the counter doesn't increase until after 9 am EST.

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I'm about to dump Lake Michigan CU because their check card no longer works for me. I used to pay my Cox cable bill ten times to satisfy the purchase requirement, but suddenly they began coding them differently. When I tried using the card at Ralphs groceries, it asked for a PIN number even when I chose credit. I called LMCU customer service and they were no help. Anyone else experience this problem with LMCU or have a solution?

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Lake Michigan credit union doesn't care if you do credit or debit, so what's the big deal? Check the counter on the LM site...Credit and pin purchases both count towards the 10 purchase requirements.

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foxhopper said:   Lake Michigan credit union doesn't care if you do credit or debit, so what's the big deal? Check the counter on the LM site...Credit and pin purchases both count towards the 10 purchase requirements.
  
My last 10 bill payments to Cox didn't count.

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Could it be that LMCU will count the payment if you make one payment to pay the entire bill and not make 10 payments on the same bill?  I think the original assumption of most banks/CUs offering Reward Checking Accounts was that members would pay the entire bill.  Several credit unions have already begun enforcing such a requirement . . . so that Reward Checking benefits both customer and credit union. 

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LMCU started doing that to me at McDonalds. They started coding it as a debit transaction and not a CC transaction and would not show up on my counter. I called them to complain but the CR rep had no clue what I was talking about. I closed my account there last month as I didn't want to have to keep checking to see what each transaction was coded as.

I realize it is cheaper for the merchant when they are processed as Debit vs Credit, but I thought the reason it was cheaper was due to the PIN entry as being more secure. So I'm not sure how they can change the coding like that.

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RudolfSchmidt said:   I'm about to dump Lake Michigan CU because their check card no longer works for me. I used to pay my Cox cable bill ten times to satisfy the purchase requirement, but suddenly they began coding them differently. When I tried using the card at Ralphs groceries, it asked for a PIN number even when I chose credit. I called LMCU customer service and they were no help. Anyone else experience this problem with LMCU or have a solution?
  As of last check, LMCU accepts debit transactions towards the requirement.  They even recommended it to me if I was going to make transactions towards the end of the month since they post quicker.  I would try one and check the counter.

Edit: ok I see that was already covered, sorry.  I will have to try it myself to see if it still works.  Not sure why customer service is not helpful for you... they've been very knowledgeable and helpful when I've contacted them.

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montee4 said:   I realize it is cheaper for the merchant when they are processed as Debit vs Credit, but I thought the reason it was cheaper was due to the PIN entry as being more secure. So I'm not sure how they can change the coding like that.
  
PINless debit + Durbin amendment gives merchants routing choice.

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