Hey rebels, Wanted to build a report of the best hub accounts. For those that don't know a hub account is where all your transactions originate from to be moved to other accounts. This could be in the form of direct deposit being split into other accounts for bills, high APR savings, or any other reason. A hub account is normally one that has fast ACH transfers as well as a high number of accounts that can be added for ACH. Does anyone know of good ones? I know Ally and Discover are pretty commonly used for this as know Alliant CU but that one seems to have ACH issues now.
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Hub Accounts

1 of 3
3 years ago
Sun Jan 02, 2022 3:14 am
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ToxikPH
Rebel AdministratorProbably Applying for New Cards
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 34 minutes Next Level in6 days, 11 hours, and 26 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 26 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 26 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 26 minutes
Hey rebels,
Wanted to build a report of the best hub accounts. For those that don't know a hub account is where all your transactions originate from to be moved to other accounts. This could be in the form of direct deposit being split into other accounts for bills, high APR savings, or any other reason. A hub account is normally one that has fast ACH transfers as well as a high number of accounts that can be added for ACH. Does anyone know of good ones? I know Ally and Discover are pretty commonly used for this as know Alliant CU but that one seems to have ACH issues now.
ToxikPH
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Re: Hub Accounts

2 of 3
3 years ago
Sun Jan 02, 2022 5:34 am
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 12 hours, and 34 minutes Next Level in15 days, 11 hours, and 26 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 12 hours, and 34 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 12 hours, and 34 minutes ago
Heard Nusenda is quick.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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Re: Hub Accounts

3 of 3
3 years ago
Sun Jan 02, 2022 11:34 am
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SoonerSoldier33
Seasoned RebelTeam Cash Back
Level9 Last INQMonday, November 27, 2023 Gardening For9 months, 20 days, 12 hours, and 34 minutes Next Level in10 days, 11 hours, and 26 minutes on September 27th INQ 1yr onWednesday, November 27, 2024 INQ 1yr in2 months, 10 days, 11 hours, and 26 minutes INQ 2yr onThursday, November 27, 2025 INQ 2yr in1 year, 2 months, 10 days, 11 hours, and 26 minutes Goal24 months Goal DateThursday, November 27, 2025 Goal In1 year, 2 months, 10 days, 11 hours, and 26 minutes
So, I have banking accounts with Chase, NFCU, and Affinity. I have my military pay direct deposited to NFCU, and my civilian pay direct deposited to Affinity. All 3 accounts have Zelle capability where money can be sent to the others instantly (if under Zelle's limits), and I have successfully performed ACH transfers between the 3 as well. In all cases, the ACH funds were available the next day. I don't know if any/all have limits on how many accounts you can link.
SoonerSoldier33
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Seasoned Rebel
  • Score data TU FICO 8: 641 EQ FICO 8: 616 EX FICO 8: 649
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