How to Avoid Checking Account Maintenance Fees

[NoHardLimits]

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@FicoMike0 wrote:

@NoHardLimits 

I hope You're right, I'll have the sub before September. They seem to be planning on changes in September, including dropping the af. I'll probably try to pc to cash+ by then, I chose connect for the sub. Then again maybe I'll app for cash+ and collect another sub, lol.

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You should probably postpone your product change plan until the account is open more than 1 year.  You can, of course, cash out your points before they devalue in September.

[FicoMike0]

@Beast26 

No, I usually pull to Capone savings. Then pull from there to fidelity. Then push back from fidelity to target bank. I try to vary the amount a little too. Make the push and pull amounts slightly different. Sometimes I use amex rather than fidelity. I have wells ($325 sub) but hadn't used them for push.

[FicoMike0]

It does take a couple of extra days to do the three way, but I don't want to be too obvious. I like fidelity because they seem a little quicker with ach. They also have very large ACH limits, like $100,000. 

[Beast26]

Sounds good thanks for the advice!  

[Beast26]

Which kind of fidelity account do you use for your ACH push?  I've also seen that fidelity counts as direct deposit for a lot of banks.  I was not sure if it was the brokerage account or some other type of account to use.

[FicoMike0]

I use fidelity cash management account ($100 sub), but I'm pretty sure it doesn't matter. I think any push from fidelity looks the same to the target bank. I use the cma as my primary checking account.

[Beast26]

Ok thanks!