Paying PSECU Credit Card Bill From A Linked External Account

alan1 | Jan 3, 2022 | 669 posts since 2015

I attempted to schedule a PSECU credit payment from an external (non-PSECU) account. The amount of the payment was in excess of $2000, and below $6000. I received the following message when I entered the payment amount on the PSECU website:

"External Account Transfer maximum is $6,000.00 every 30 days and a maximum of $2000.00 per transfer..."

I called PSECU; a customer service representative said that I could pay my bill from the external account, but that I would need to schedule the payments for different dates.

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Rickny | Jan 3, 2022 | 259 posts since 2017

I opened a PSECU card and charged a little over $1000 and received a $300 bonus credited to my share account along with 1.5 cashback. I did not receive a paper statement or an email that statement was available online.

I called customer service and they told me if you are paperless for your CD statements the charge card is handled the same way. They said they do not send emails when statements are available.
I put a lock on the card and will no longer use it. I have various cards and the lowest cashback is 2% on all purchases with Citibank

Sylvia | Jan 3, 2022 | 316 posts since 2012

alan1, Happy New Year! If the external account has higher ACH limits, perhaps you can get PSECU account verified with them, then initiate transfer externally.

alan1 | Jan 3, 2022 | 669 posts since 2015

and happy new year to you, Sylvia

I can transfer larger amounts from the external bank account to my PSECU savings and checking accounts, but I cannot pay a larger PSECU credit card bill directly from the external account. I _could_ transfer funds from the external account to a PSECU savings or checking account,
_and then_ transfer those funds from the PSECU account to pay the PSECU credit card bill (but I prefer not to add additional steps in order to pay the credit card bill).

PSECU's restrictions re credit card payments are not a big problem for me, but they are an annoyance.

Sylvia | Jan 3, 2022 | 316 posts since 2012

Yes, that's what I had in mind: routing transfer through savings or checking as is typical with a credit union. I'm not aware of any credit union, besides Alliant, with half-decent ACH limits.

Kaight | Jan 3, 2022 | 515 posts since 2011

At PSECU I value the 2% reward on my PSECU Visa Signature card. In order to qualify for that they demand I deposit at least $500/month into my PSECU checking. It all works out. Each month I ACH, into PSECU checking, enough money to pay for my card. That ACH is initiated external to PSECU and the amount always easily exceeds the required $500. Once the funds are in my PSECU checking I do a transfer in order to make the payment to my card account. All that takes place monthly like clockwork, with the funds arriving in PSECU checking just in time to make the card payment on, or right before, the twenty-fifth of the month.

Rickny | Jan 4, 2022 | 259 posts since 2017

With Citibank you get 2% on all purchases without a checking account requirement. No problems paying the balance. I also got a $200 bonus for opening the charge account.

Opened a Wells Fargo Charge account late last year under wife's name. Got $200 and has 2% reward with no requirements. I use other charge cards that have from 3 to 5% on specific categories.

I only opened the PSECU and Wells account for the bonuses. Will not be using them in the future.

But each person has their own methods and account preferences.

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