Direct Deposits（简称 DD）通常是各个银行满足开户奖励的一个条件，比如某银行的开户奖励是 $500，那开户后必须进行一次 Direct Deposit 才可以拿到奖励。Direct Deposits 也是很多银行免月费的条件，不然每个月还要交一定的 monthly service fees。可见 Direct Deposit 还是很重要的。
Direct Deposit 最常见的方式是工资打款，但是这样的话需要和公司的 HR 沟通，搞起来还蛮麻烦的。但是也有很多其它的方式也被银行看作是 Direct Deposit，但是各个银行都不一样。银行方面也没有官方的说明，全靠广大网民自己实验，如果成功的话再共享出来。本文将网上各个银行常见的可以被视为 Direct Deposit 的方法总结以下，希望对大家有用！
关于银行的开户奖励，可以参考我们的文章《关于银行账户开户奖励（Signup Bonus）你应该知道的一切》。
关于本表格的几个重要说明：
- 本表格的方法都是除了正常 DD 的方法（如 Payroll，政府福利打款等等）之外的方法。
- 本表格中的数据都是来自网友贡献的数据点，可能随着时间的推移而变化，也可能会有个体差异。我们会尽量保持更新，但也无法保证 100% 准确，仅供参考。
- 如果下表中满足 DD 的方法是个银行或金融机构，则代表从他们的 ACH 转账也被当作是 DD。
- 表格右上角的搜索框可以快速搜索。
| 银行 | 满足 DD 的方法 | 不满足的方法 |
|---|---|---|
| 1st Source Bank | Charles Schwab, Chase | |
| 3Rivers Federal Credit Union | Keybank | |
| Adventure Credit Union | Capital One 360 | |
| Amalgamated Bank | BMO Harris | |
| American Express Bluebird | Amazon Payment | |
| American Express Serve | Ally, Paypal, CapitalOne 360, Santander ACH push | |
| Ameris Bank | Chase | |
| Anchor Bank | Discover ACH | |
| Andigo Credit Union | Amex Bluebird, Charles Schwab brokerage, Fidelity | Capital One |
| Aspiration | Amex Serve | |
| Associated Bank | Ally, PNC ACH | |
| Avidia Bank | Capital One 360 ACH | |
| Bank & Trust | Alliant, Ally, American Express Serve, Capital One, Charles Schwab Checking, Chase | |
| Bank of America | Amex Serve, Baxter Credit Union, Connexus, Emigrant, E*Trade, PurePoint Financial, Robinhood, Sofi | Ally, Amazon, Bluebird, Capital One, Chase, Charles Schwab, Discover, Fidelity, HSBC, Paypal, PurePoint Financial, Vanguard |
| Bank of New York | HSBC | |
| Bank of the West | BMO Harris, Capital One 360, Discover, Emigrant, Paypal, Schwab, USAA, Venmo | |
| BankWell | Charles Schwab | |
| BB&T | Ally, Charles Schwab Brokeage | PayPal, PNC |
| BBVA | Capital One 360, Charles Schwab, Fidelity, First Tech Federal Credit Union, Merrill Edge, Paypal, Provident Credit Union, TD Ameritrade | Ally, Chase, Robinhood |
| Blue Federal Credit Union | BMO Harris | |
| Blue Hills Bank | Discover Checking | Discover Savings |
| BMI Federal Credit Union | Amex Bluebird | |
| BMO Harris Bank | Ally, Chase Biz Checking, Discover, Robinhood, Schwab, UFCU | Ally, Amex Bluebird, Amex Serve, Capital One 360, Charles Shawab, Fidelity, JP Morgan, Paypal, Taxes, USAA, Vanguard |
| BOK Financial | Capital One 360, Chase, Charles Schwab | |
| Bridgeview Bank Group | Ally, Gusto | Charles Schwab, Capital One 360 |
| Camden National Bank | Capital One | |
| Capital Bank | Alliant, Ally, Capital One, Charles Schwab, Chase, Discover, Fidelity, Paypal | Charles Schwab, Chase |
| Capital One | Capital One 360 | |
| Capital One 360 | Alliant, Ally, Charles Schwab, Clearview, E*Trade, Fidelity, Fifth Third Bank, First Tennessee, Goldman Sachs, PNC, Robinhood, TD Ameritrade, Vanguard | Ally, Chase, Discover, Elements, Santander, Stripe, TIAA Direct, Wells Fargo, USAA |
| Charles Schwab | Wells Fargo Business | |
| Charter One | Capital One 360 | |
| Chase | Acorns, AirBnB, Amazon Payments, American Express Redcard, Ameritrade, BeFrugal, Barclays, CardCash, Cash app, CBC Federal Credit Union, CCUIL, Chime, Chrome River, Circle Pay, CIT Bank, Connexus FCU, Consumers Credit Union, Discover Savings, DoorDash, Dosh, Dwolla, Elements, E*Trade, Fidelity EFT, First Green Bank, First Technology Credit Union, Freshbooks WePay, Goldman Sachs, Google Adsense, Gulf Winds Federal Credit Union, Gusto, Keesler Federal, MarketForce Payroll, Merrill Edge, M1Finance, Motif Investing, Mountain America Credit Union, M&T Bank, M1 Finance, Northern Bank, Payooner, Poshmark, Provident Credit Union, SchoolFirst, Santander, Standford FCU, TD Ameritrade Tech Credit Union, T-Mobile Money, Transferwise, Uber, University Federal Credit Union, Upwork, Vanguard Brokerage, Wealthfront, Wisebanyan | Alliant, Ally, American Express Savings, Apply Pay Cash, Barclay Savings, Bank of America, Boeing Employees Credit Union, Capital One, Capital One 360, Cardcash, Charlies Schwab, Citi ACH, DoorDash, Discover, FNBO, Hancock Whitney, Investor Bank, IRS, Keybank, Marcus Bank, NFCU, Paypal, PNC, Quorum FCU, Raise, Santander, Square Cash.me, Tax refund, TD Ameritrade, TD Bank, Thrivent, U.S. Bank, USAA, VantageWest, Venmo, Wells Fargo |
| Chime | American Express Serve, Charles Schwab, Chase, Circle Pay, Discover, Wells Fargo, USAA | |
| CIBC US | Venmo | |
| Citibank | Amazon Payment, Chase, Discover, Emigrant Direct, Fidelity, INGdirect, Paypal | Barclays, Google Pay, Paypal, Schwab, TD Ameritrade, USAA |
| Citizens Bank | ACH, Alliant, Ally, Amex Savings, Bank of Guam, Capital One 360, CardCash, Charles Schwab, Chase, Discover, Fidelity, Huntington Bank, IRS refund, Paypal, Santander, TD Bank, Topcashback, Wells Fargo, Vanguard, Venmo | Capital One 360 |
| Clearview Federal Credit Union | Discover Trial Deposits | |
| Columbia Bank (NJ) | Capital One 360, Chase, Citizens Bank, Discover, Fidelity, Robinhood, TD Bank, Vanguard, & Venmo | |
| Columbia Bank (WA, OR, ID) | Chase | |
| Commerce Bank (MA) | Paypal, ING | |
| Compass Bank | Capital One 360 | |
| Connexus Credit Union | Ally, BMO Harris | |
| Consumers Credit Union | BMO Harris, Chase, NFCU | |
| Credit Union One | Chase, Discover, PayPal | |
| Discover Bank | Ally, Amazon Seller Disbursements, Bank of America Business ACH, Capital One 360, Fidelity, Paypal, Serve, TD Ameritrade | |
| Dollar Bank | Wells Fargo | |
| Elements Financial | Alliant, Ally, American Express Serve, Capital One 360, Discover, Goldman Sachs savings, Incredible Bank, Vanguard, Wealthfront, Wells Fargo | Charles Schwab |
| E*Trade | Capital One 360 | |
| Evansville Teachers Federal Credit Union | Alliant, Initial CC Funding, Chase, Wells Fargo | |
| Fifth Third Bank | Ally, American Express Serve, Bank of America, Capital One 360, Chase, Chase business, Citizens, Discover, Huntington, PayPal, Serve, USAA | Alliant, Huntington Bank, PNC |
| First American Bank | MyPay | |
| FirstBank | American Express Serve, First Tech Federal Credit Union, TD Ameritrade | Capital One 360 |
| Firstmark Credit Union | ACH, Alliant, Ally | |
| First Merchants Bank | Ally, Amex Bluebird, Goldman Sachs | |
| First National Bank (FNB) | Chase | |
| First National Bank (NE) | Charles Schwab Trial Deposits | |
| First Niagara Bank | Alliant, Ally, AmEx Savings, Bank of America, Capital One, Capital One, Charlese Schwab, 360, Chase, Discover, HSBC, Paypal, State Farm | |
| First Tennessee Bank | ACH, Alliant, Capital One, Capital One 360, Capital One Savings, Charles Schwab, Discover, First Citizens Bank, Paypal, Santander, Schwab Brokerage, USAA, Wells Fargo, Venmo | Ally, Chase |
| First Trade Union Bank (FTUB) | Capital One 360 | Ally, Chase |
| First United Bank | KickFurther | |
| Five Star Bank | Wells Fargo | |
| Florence Bank | Wells Fargo | |
| Flushing Bank | Amex Serve, Charles Schwab | |
| Fulton Bank | Capital One 360, Citi, Discover, Huntington, Wells Fargo | |
| GoBank | Alliant, BMO Harris, Chase | |
| Great Lakes Credit Union | ACH, Chase | |
| Hancock Whitney | Chase | |
| HomeStreet Bank | Citibank, Paypal, Provident Credit Union | |
| Horizon Bank | Chase | |
| Huntington Bank | ACH Transfers, Alliant, Ally, Amazon Payment, Amex BlueBird, Capital One, Chase, PNC | |
| IC Federal Credit Union | Santander | |
| Incredible Bank | Charles Schwab, Chase, Wells Fargo | |
| Investor Bank | Charles Schwab, Fidelity | Ally |
| JSC Federal Credit Union | Fidelity | |
| Key Bank | Alliant, Amex Serve, Capital One 360, Chase, Discover, E*Trade, NFCU, Oregon Community Credit Union, Paypal, Santander, Stripe Transfer, TD Ameritrade, USAA, Wells Fargo, Venmo | Ally, Charles Schwab |
| Lake Michigan Credit Union | ACH | |
| LegacyTexas | Capital One 360 | |
| Liberty Bank (CT, MA, RI) | Chase | |
| Mango | Alliant, Amazon Payments, Bluebird, Capital One 360, Fidelity, PayPal | |
| M&T Bank | ACH trial deposits, Capital One, Chase, Citi, Discover, HSBC, Paypal, Paypal, PNC | |
| MB Financial Bank | Capital One, Fidelity | |
| Memory Bank | Discover | |
| MidFirst Bank | Ally | |
| My Banking Direct | Capital One 360, Schwab Brokerage | |
| Nationwide Bank | American Express Serve, Capital One 360, Fidelity, Paypal | Ally |
| NorthWest Savings Bank | ACH, Ally, Capital One, Discover, Paypal, PNC, Schwab, USAA | |
| NuVision Federal Credit Union | Amazon Payments, Ameritrade, Schwab Brokerage | |
| NYCB Family Of Banks | BMO Harris | |
| Old Missouri Bank | BMO Harris | Ally |
| Old National Bank | Initial credit card funding, Fidelity, PNC, Wells Fargo | |
| Old Second Bank | Capital One, Venmo | |
| OneWest Bank | Chase | |
| PNC | Alliant, Ally, AmEx Serve, AmEx Redbird, Bank of America, Barclays, BB&T, Capital One 360, Charles Schwab, Chase, Chase Business, Discover ACH, FCB South County Bank, Fidelity Cash management, Fifth Third, Huntington, M&T, Navy Federal, Paypal, Pentagon Federal Credit Union, Schwab, Transferwise, USAA, Vanguard, Venmo, Wells Fargo | Ally, Amex Savings, Capital One 360, Charles Schwab, Tech CU |
| PeoplesBank (MD & PA) | Ally, Charles Schwab, PNC, Wells Fargo | |
| People’s United Bank | Alliant, Amex Bluebird | Fidelity |
| Pinnacle Titans Bank | Discover, PayPal | |
| Popular Community Bank | Capital One 360, Chase, Citibank, Discover, Wells Fargo | |
| Presidential Bank | ACH | |
| Principal Bank | Capital One 360, HSBC | |
| Regions Bank | ACH, Ally, Amazon payments, American Express Serve, Ally, Bank of America, Capital One 360, Charles Schwab, Chase, First Tennessee, PenFed | |
| Salem Bank | E*Trade | |
| Salem Five | Alliant, Capital One | |
| Santander Bank | Alliant, Amex Bluebird, Amex Serve, BMO Harris, Chase, Charles Schwab brokerage, Fidelity, Wells Fargo, Venmo | Capital One 360, Charles Schwab Checking, Discover, TD Ameritrade, USAA |
| Sandy Spring Bank | American Express Serve | |
| SchoolsFirst FCU | Capital One 360 | |
| Seacoast Bank | American Express Serve, Discover | |
| Security Service Federal Credit Union | Paypal | |
| Stoneham Bank | Capital One 360, Wells Fargo | |
| SunTrust | ADP, Ally ACH, Alliant, Adventure Credit, Capital One 360, Charles Schwab, Chase, Discover, Fidelity, Goldman Sachs, Navy Federal Credit Union, TCF, Wells Fargo | PayPal, PNC |
| Synovus Bank | Capital One, Chase | |
| Talmer Bank & Trust | Capital One, Chase, Venmo | |
| TCF Bank | Alliant, Ally, Capital One 360, Chase, First Tech, Discover Savings, Fidelity | |
| TD Bank | ACH, Ally, Alliant, American Express Savings, Bank of America, Barclays Saving, Capital One, Charles Schwab, Chase, Discover Savings, E*Trade, Fidelity, Paypal, PNC, Tax refund, Vanguard, & Wells Fargo | |
| Tech CU | Ally, Capital One 360, Charles Schwab, Chase, Citi, Discover, PNC, Schwab, Synchrony | |
| Thrivent Federal Credit Union | American Express Bluebird, Discover | |
| TIAA Direct | Capital One, Capital One 360, Chase, Chase business, Discover, Fidelity, Fidelity CMA | |
| Town Bank | Capital One | |
| TruMark Financial | PayPal | |
| TruStone Financial | American Express Serve | |
| TruWest Credit Union | Vanguard | |
| Unify Financial Credit Union | Alliant, Capital One, Charles Schwab, Chase, Discover checking, Fidelity, Ticketmaster | |
| Union Bank & Trust | Alliant, Ally, American Express Business Plus, Capital One 360, Charles Schwab, Chase, Discover, Merrill Edge | |
| USAA | Capital One 360, Navy Federal ACH | ACH, Paypal |
| US Bank | ACH, Alliant, Ally, Amex Serve, Capital One, Charles Schwab, Chase, Fidelity, Paypal, Tech CU, USAA, Venmo | |
| Valley National Bank | Capital One, Chase, NFCU | |
| VantageWest | PayPal, Wells Fargo | |
| Varo Money | Alliant, Ally, Bank of America, Capital One, Charles Schwab, Chase, Discover, Santander, Square cash, USAA | Goldman Sachs, Vanguard |
| Vista Bank | Charles Schwab | Chase |
| Wells Fargo | Amex Serve, Bank of America, BECU, Citibank, Dwolla, E-Trade, Fidelity, HSBC, Huntington, KeyBank, PenFed Trial Deposits, PNC, Robinhood, Santander, Schwab, USAA | Alliant, Ally, Capital One 360, Charles Schwab, Chase, Discover, PayPal, Wealthfront |
| Wesbanco | Keybank | PayPal |
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