Okay, the user is asking which credit unions allow funding a checking account with a credit card. Let me look through the search results provided.
First, webpage 1 is a list from Doctor Of Credit that includes a lot of credit unions. The content lists many under the “Smaller Banks” section, like 1st United Credit Union, Agriculture Federal Credit Union, Alabama Credit Union, American Heritage Credit Union, and others. But I need to check if these allow credit card funding for checking accounts specifically.
Webpage 3 from Bank Deal Guy and webpage 6 from Hustler Money Blog have tables listing banks and credit unions that allow credit card funding. For example, 1st United Credit Union allows up to $9,000 with certain cards, American Heritage up to $500 or $1,000. Also, Advantis Credit Union allows up to $2,550 with Visa, Mastercard, or Discover. Blue Federal Credit Union allows up to $3,000. Elevations Credit Union even allows up to $10,000. These are all credit unions mentioned in the tables.
Webpage 5 from BankBonus.com and webpage 8 from MyBankTracker also mention some credit unions. For instance, Consumers Credit Union allows up to $1,000 with Visa, MasterCard, or AMEX. Citadel Credit Union allows up to $500. FirstBank allows up to $600.
Wait, in webpage 3, there’s a detailed table. Let me check again. The table in webpage 3 includes entries like American Eagle Financial Credit Union allowing up to $500 each for savings and checking. Andigo allows up to $500 with multiple cards. Columbia Credit Union allows up to $2,500. Elevations Credit Union up to $10,000.
Also, webpage 6’s table lists similar info. For example, Advantis Credit Union, American Eagle, Andigo, etc.
I need to make sure these credit unions are still relevant as of 2025-02-05. Some entries might be outdated, like Citibank being listed as “dead as of 2016” in webpage 3. But the user is asking about current ones. The latest info from 2025 is in webpage 1 and 4, but webpage 1’s date is 2025-01-20, which is recent.
So compiling the list from the most recent and relevant sources, the credit unions that allow checking account funding with a credit card are:
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1st United Credit Union: up to $9,000 (webpage 3)
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American Heritage Credit Union: up to $500 or $1,000 (webpages 3,6)
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Advantis Credit Union: up to $2,550 (webpages 3,6)
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Blue Federal Credit Union: up to $3,000 (webpages 3,6)
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Elevations Credit Union: up to $10,000 (webpages 3,6)
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Consumers Credit Union: up to $1,000 (webpages 3,6)
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Citadel Credit Union: up to $500 (webpages 3,6)
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Andigo Credit Union: up to $500 (webpages 3,6)
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Columbia Credit Union: up to $2,500 (webpages 3,6)
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FirstBank: up to $600 (webpages 3,6)
Also, some entries mention potential cash advance coding, so advising the user to set cash advance limits to $0 and confirm with the bank is important. The answer should list these credit unions with their funding limits and note that some may code as purchases or cash advances, with tips to avoid fees.
Here’s a list of **credit unions that allow funding a checking account with a credit card**, based on recent data (as of 2025) and key considerations to avoid fees:
Credit Unions Allowing Credit Card Funding
- 1st United Credit Union
- Funding Limit: Up to $9,000 (specific cards like Chase Ink Preferred/Marriott) 3.
- Notes: Transactions may code as purchases for certain cards (e.g., Chase Hyatt) but check with your card issuer 7.
- American Heritage Credit Union
- Funding Limit: Up to 1,000(reducedfrom1,000(reducedfrom1,500) 3.
- Notes: Accepts all credit cards, but cash advance coding varies 37.
- Advantis Credit Union
- Funding Limit: Up to $2,550 (Visa, Mastercard, Discover accepted) 7.
- Notes: Transactions are typically coded as purchases 7.
- Blue Federal Credit Union
- Funding Limit: Up to $3,000 (Chase, Citi cards preferred) 37.
- Notes: No cash advance reports for specific cards like Chase Sapphire Reserve 7.
- Elevations Credit Union
- Funding Limit: Up to $10,000 (Chase Sapphire Preferred) 37.
- Notes: High success rate for purchases, but confirm with your card issuer 7.
- Consumers Credit Union
- Funding Limit: Up to $1,000 (Visa, Mastercard, AMEX) 37.
- Notes: Avoid Citi AAdvantage cards, which may code as cash advances 7.
- Citadel Credit Union
- Funding Limit: Up to $500 (Chase Freedom, Citi AA) 37.
- Notes: Confirm transaction coding before proceeding 7.
- Andigo Credit Union
- Funding Limit: Up to $500 (Chase IHG, AMEX, Visa, Mastercard, Discover) 7.
- Notes: Mixed reports on cash advances 7.
- Columbia Credit Union
- Funding Limit: Up to $2,500 (Bank of America cards) 37.
- Notes: Verify coding with your card issuer 7.
- FirstBank
- Funding Limit: Up to $600 (Chase Freedom Unlimited) 37.
- Notes: U.S. Bank Club Carlson cards may code as cash advances 7.
Key Tips to Avoid Cash Advance Fees
- Set Cash Advance Limit to $0: Contact your credit card issuer to block cash advances 15.
- Verify Transaction Coding: Banks like Citi or Chase may flag funding as cash advances. Always confirm with both the credit union and your card issuer 39.
- Avoid AMEX: Many institutions (e.g., Associated Bank, BBVA) exclude AMEX due to higher cash advance risks 37.
Additional Notes
- Regional Variations: Policies can differ by branch or card type. For example, Bank of the West allows up to $500 with Visa/Mastercard but not AMEX 3.
- Temporary Offers: Some credit unions may change policies, so confirm details before applying 59.
For a full list, refer to Doctor Of Credit or Hustler Money Blog 17.
