About 7k. My other institutions have taken in up to 15k a day.

Stagecoach does pressing and folding. Caught them at it about 3 years back on a 75k cash deposit that should have been SAR'd.

BoA teller had never seen me before and got indigestion over my MOs. She must have alerted the cardinals based on my time line trace. The cardinals flagged the MOs as items likely to be returned. They were not bought by BoA card. Naturally, all MOs cleared.

Continue to deposit to Stagecoach, not Solaris.

Thanks for the tip. Unfortunately they limit it to $200 per day and $500 per month, will take up to half a year to get to the 3000/1% tier, with no other spending.

BOA closed my new checking account (because a large check I deposited wasn't honored, however I was able to prove it was another bank's fault and so BOA re-opened my account and gave me back my $40 research fee). Anyhow, a month later I tried to open a checking account at another bank and was denied, based on the ChexSystem report. Unbeknownst to me, BOA had reported me for "SUSPICION OF FRAUD." Aloha, you might want to get your free annual ChexSystem report, actually everyone might want to do that. You can get it online just like getting your credit report; they mail it to you within five days. BOA reported the SOF about ten days after they closed the account, actually the same day that they re-opened it. After I contacted BOA about the SOF they took action to have it removed but said it takes 30 days. (Aloha please PM me re reticulitermes flavipes.)

I'll be watching for that. Since all my BoA transactions are 100% legal and do not involve fraud I would consider that type of action libel on BoA's part. I will be pulling a ChexSystem report about month end. Naturally, I will need to replace the closed accounts with others because they are integral to my business model and I would hate to have libel cause me financial damage. There is something to be said for the formal AMEX FR process versus the BoA loose cannon process. Certainly, the FR process fulfills the "know your customer" aspect of federally mandated anti-money laundering efforts. But then if banks paid more attention to developing internal controls we would never read about them illegally gaming rates, like Barclays, or illegally invading and destroying homes, like Wells Fargo, or illegally forclosing, like BoA, or illegally disclosing customer information, like another institution I alerted to seal the exposure. :rolleyes:

it may be possible that Send Money qualifies for 5% cash back for online purchases this quarter, too, but i haven't verified either way.

Twice now I have gotten a "pending" when transferring from a>b using available funds (not cc). First time it cleared overnight.

Is this common?

re
 

sorry , when it started it was $1000. they encouraged me to try it and it worked great, at the time I was on top of the tier and earned $10 for sending $1000 to my wife.....I havent used it since, though I should. I just take advantage of the 5% catagories until I max them out, then cash in rewards for their 10% off giftcards like outback, red lobster, or texas roadhouse.
I'm just starting to use AP because I have some spend to meet. It seems like the better alternative to WF or Blubird. Is the $1000 limit by the calader month or by a rolling 30 days from transaction?

calendar

Yes. Every transaction not funded by CC seems to go into pending for a period of time, even if you've actually got funds in the sending account already.

Pending comes and goes. Hard to reverse engineer why as the pattern is not clear (on the card side). Might be some manual review or sampling? Did get a peek at the limit protocols and transaction blocking on BUXX. If we have a similiar shadow of the AP controls there are limiters by interval and amount and they are not disclosed in advance to customers. Certainly BoA had such in their debit card system.

They disabled my account from sending money after doing it for like 3 or 4 months straight

To paraphrase my fellow Kennedy - ask not what account your organization disabled, but what other accounts they overlooked.:p

In that vein, my good friend Brian Moynihan at BoA has given me a brand new cash back credit card and an Alaska CC to make up for the risk closure shut down of the US Airways and Alaska debit card. To quote Bugs Bunny "Eh, he don't know me very well, do he?"

Is the monthly transfer limit still $1000 without fees? And $500 limit for each transaction? I have used Chase UA to fund once and was charged no fee...How about Citi AA or AMEX SPG?

1k/month, no 500 limit, both ^