Originally Posted by
radonc1
One appears to be a simple demand deposit account, aka a checking account with a savings account attached to it. You can pay CC bills as well as utilities, auto loans, etc.
Treat it like such an account

Yep! Looks like you were right and the CSR was wrong.
I was able to pay my credit card bill from my savings pocket using an externally initiated ACH transfer (from the credit card website). Looks normal.
Edit: DD straight to savings also worked.