If you’re looking for a new credit card, the BMO Harris Bank Cash Back Mastercard might be worth considering. With a $200 signup bonus after spending $2,000 in the first three months, this card offers a great incentive to sign up. Plus, you can use the bonus as a statement credit, which is a nice perk.

Another benefit of this card is the 0% APR on balance transfers for the first 12 months. Just be sure to complete your balance transfers within the first 90 days of opening the card. Keep in mind that while the intro APR is 0%, there is a 4% fee for balance transfers. This is lower than the 5% fee that some other credit cards charge, but some cards do offer a 3% fee.

The fee is a big deal. For example, on $1,000 transfer you’ll have to pay $40. Anyway it is better than the 5% fee that other credit cards charge, but other cards like Capital One Quicksilver offer balance transfer for a 3% fee.

Regular APR ranges from 20% to 28%. It means you must pay off the transferred balance after 12 months.

This card has no annual fee, which is a good sign. However, it is very common for this kind of credit cards.

Cashback Categories

BMO Harris Bank Cash Back Card has 5% cash back on eligible streaming services and 3% on gas and groceries. It is limited to $2,500 of purchases. Effectively you can visit the store only 10 times every quarter. There is only 1% cashback on everything else.

Category	cashback
Streaming Services	5%
Gas and grocery	3%
Everything else	1%

The credit card has a security chip and contactless payments feature.

A common benefit is roadside assistance and an extended warranty of up to 12 months.

Roadside assistance provides referrals only.

Fees

The credit card has no annual fee, but foreign transaction fee is 3%.

type	fee
Annual Fee	$0
Balance Transfer Fee	4% or minimum $10
Foreign Transaction Fee	3%
Cash Advance Fee	5% or minimum $10
Late Payment	$39

Credit Score

You’ll need a good to excellent credit score to have a high chance of being approved for this credit card.

The reasons to apply for this credit card are: Get the $200 signup bonus and 5% cashback on streaming services, take advantage of intro APR, and pay your cellphone bill to get smartphone insurance up to $400.

Chase was one of the founding banks of Zelle. It was created by group of largest banks in the US in 2016. New payment system allows users to send small amounts of money. All you need is email or phone number of the recipient. You don’t need to know what bank your friend uses. At the same time you can change move Zelle from one bank to another.

Setup Zelle

Before you can use Zelle with your Chase checking account you have to set it up. First open the Chase website. Then on the main page in the login form enter your user name and password. Click Sign In.

After successful authorization you can see your Chase account information. In the top menu find “Pay and transfer” and click on it. Drop down menu opens where you have to choose “Send money with Zelle.”

On the “Pay bills and send money with Zelle” page you can see what payments are due and your recipient list. On the right side bar you can see your Chase account balance and list of recent payments.

In the top menu click on “Settings.” When drop down menu opens click on “Zelle settings.” Chase suggests adding your contact information that will be used for addressing payments. Click “Add contact info.”

Then select whether you want to use your email or your phone number as an id in Zelle. Click next.

Zelle sends a verification code to your email or phone number. It allows Chase to confirm that you have access to the account. Otherwise anyone can reassign your Zelle account and receive payments that are addressed to you.

When you receive verification code enter it and click “Activate. Chase says that you are going to transfer your mobile number from another bank. Check that you agree and click activate. Now you can see confirmation that your Chase account is now associated with Zelle.

How to send money with Zelle?

To add a Zelle recipient to Chase account open Chase.com in your browser. Then find the login form and enter your username and password. Click sign in.

On the dashboard of your Chase account in the top horizontal menu find “Pay and transfer” and click on it.

Then in drop-down menu find “Pay bills and send money with Zelle” and click on it.

On “Pay bills and send money with Zelle” page find “Recipient list.” In the section find “Add new recipient” and click on it.

On Add new recipient screen click “Send money with Zelle.”

On “Add a Zelle recipient” page enter the name of the recipient. Below enter the email of the recipient. Then click Save.

New Zelle recipient was added to your Chase account. You can send money using Zelle to this friend.

How to delete Zelle recipient?

If you added Zelle recipient by mistake or don’t want to send money to the recipient you can delete. To delete a Zelle recipient from Chase open chase.com in your browser. Then find the login form and enter your username and password. Click sign in

On the main page of your Chase account in the top horizontal menu find “Pay and transfer” and click on it. In the drop-down menu find “Pay bills and send money with Zelle.

On the “Pay bills and send money with Zelle” page scroll down and find “My Zelle recipients.” Then choose which Zelle recipient to delete and click on three dots. In the drop-down menu select “See/edit recipient details”

Then in the popup find “Delete recipient” and click on it. Next, you have to confirm that you want to delete recipient. Click on the blue button “Delete.”

Now you can see confirmation that the Zelle recipient was removed from Chase.

This is how you can delete Zelle recipient.

How to send money with Zelle?

How to make Zelle transfer from Chase Checking account to someone else? First, open the Chase bank website. Enter your username, password, check “remember me” and click “login” After you logged in, hover over “Pay and transfer”. In the drop down menu click on “Pay bill and send money with Zelle” On the “Send money with Zelle” scroll down and find the recipient whom you want to send money to. Tap on Pay. Next you have to enter the amount of transfer. I’ll send 10 bucks to my dear friend. Click next. Then you have to confirm that it is the correct recipient. Click next. Review all the details and click “Send money”

Chase: How to stop Zelle payment?

Can you cancel Zelle payment from your Chase account? First, open the Chase website. Then login using your user name and password. Click Sign in.

On the main screen click on “Pay and Transfer.” In the drop-down menu click on “Pay bill and send money with Zelle.” It should open page where you can pay bills.

On the pay bill page find block “Recent Payments.” Here you should be able to see your payment. If it is in “Pending Acceptance” status then you can click on “View.”

On the next screen click on “Cancel.” Then confirm that you want to “Cancel It.”

Keep in mind, that if Zelle payment was accepted then you cannot cancel it.

Bottom line

You can setup Zelle and register your email or phone number. It allows you to send and receive money. If you send money with Zelle a change your mind it maybe possible to stop the transaction. It is possible only if the recipient hasn’t accepted payment.

Bank of the West Cash Back is a fine credit card. It is a MasterCard that has no annual fee. If you already have Bank of the West checking account you may want to take a closer look at this credit card. Unlike secured credit card it doesn’t have annual fee.

The credit card offers 0% intro APR for 18 months. The promo interest is on purchases and balance transfers. Intro APR can be a valuable benefit if you have plan a large purchase and don’t want to spend all your savings on it card can help you. On the other hand, if you plan a balance transfer the fee is $10 or 4% of the amount. In my opinion it is very expensive. After the first 18 months APR goes up to 28%. At this moment your large purchase should be paid off.

Keep in mind, that intro APR of the Bank of the West Cash Back card doesn’t mean you can avoid payments at all. Intro APR means you can make only minimum payments and if you are late with minimum payments even once – your intro APR terminated. That is not a good surprize.

Cash back

Bank of the West credit card gives you 3% cashback on dining, gas, and grocery purchases. On everything else you get 1%.

Category	Cash back
Dining	3%
Gas	3%
Grocery	3%
Everything else	1%

You can redeem your cash back Rewards in increments of $25. It can go for a statement credit or direct deposit to any checking or savings account. There are no other options like gift cards or miles.

Welcome reward of Bank of the West credit card is a nice bonus. To receive is you have to spend $1,000 within the first 3 months you can receive a $150 welcome reward.

To be approved for this credit card you have to have a credit score above 720 points. However credit score is not the main factor. If you have high credit utilization or too many new credit cards in the recent month Bank of the West can decline your application

Credit limit can range $1,500 and up to $20,000. But it depends on your credit worthiness. Those who earn a lot and have high disposable income are going to get high credit limit.

Overall Bank of the West cash back credit card is a good option if you already have checking account at the bank. It can make your financial life easier.

Getting Disney Plus for free with American Express is a great perk. In my opinion, Disney Plus has a much better collection for kids than any other platform. If you plan to apply for an American Express credit card you may want to choose the one with Disney+ credit. It can greatly offset the annual fee. That is why users want to know if Amex offers a subscription as a benefit. Two American Express credit cards offer Digital Entertainment Credit which you can get after you pay for Disney+ using your credit card. It comes as a statement credit.

American Express Platinum frees the Disney Plus

The Platinum card gives $20 per month or $240 Digital Entertainment Credit. Essentially American Express makes Disney+ free. It covers up to $20 of Disney+ purchases made directly through www.disneyplus.com

It also covers Audible, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times when you pay directly at one of the providers. It means there is no need to use some special promo code etc.

The benefit partially offsets the $695 annual fee, but you have to use other benefits to make paying the fee worth it.

American Express Blue Cash Preferred

American Express Blue Cash Preferred card doesn’t make Disney Plus free but gives a good discount. Unfortunately it is not as generous as Amex Platinum. It covers Disney Bundle $7 per month when you spend $12.99. In total the benefit is worth $84 annually. It makes it in the same way as Platinum. The benefit comes as a statement credit and reduces the balance.

American Express Blue Cash Preferred has an annual fee $95. But it often has into fee for the first year is $0. Anyway if you use Disney Bundle your effective annual fee is $11. Because $95 – $84 = is $11. With a little cashback the card is worth it.

Bottom line

Disney Plus is free with American Express Platinum, but with Blue Cash Preferred it has a good $7 discount.

In 2016 big banks including Chase, Bank of America, and Wells Fargo, created Zelle as a peer-to-peer payment system. Zelle has very specific rules on when and how users can cancel the transaction.

When you pay with Zelle you can use a phone number or an email to address the payment. This is made to simplify payments but at the same time made it easy to make a typo and send money to the wrong phone number or email. If you made this mistake you may want to cancel the Zelle payment.

Chase allows you to cancel Zelle payments online on its website and through its mobile application. All you have to do is log in to your account, find the pending payment, and click cancel. But if payment is already completed there is no simple way to stop it.

If you didn’t authorize the Zelle transfer and it was made by a hacker, then you can pursue a legal path, but it gets complicated and depends on many factors.

How to cancel Zelle payment Chase?

You can send Zelle payment from Chase mobile app, but you cannot stop payment using Chase mobile app. Chase allows you to cancel pending Zelle payments using Chase website.

On “Pay & transfer” page you can see Recipient list, account balance and most recent payments.

Find card with “Recent payments” with the list of payments. Some payments my still be with “Pending acceptance” label. This kind of payments can still be cancelled. It may happen because you typed the address incorrectly and Zelle hasn’t found the recipient. Click on View link to see more details.

On the following page you can see that payment has status “Pending acceptance”. There is also “Cancel” button that revokes payment. You have to click on it.

To confirm your intention to cancel the payment Chase prompts you to make the decision. You can click the gray button “Keep It” and let the payment wait till the recipient enrolls into Zelle. Otherwise, you can click the blue button “Cancel It” and the money should stay in your account.

This is how you can cancel Zelle payment from your Chase bank account.

How to stop Zelle transfer Bank of America?

It is easy to send Zelle payments from a Bank of America checking account, but how can you stop Zelle payments? If the payment is still pending then you can still cancel it. When you send money to someone who hasn’t enrolled in Zelle the payment waits till the recipient accepts the transfer. Here is how to cancel the transfer.

After you log in to your Bank of America account find the horizontal menu. In the menu click on Transfer Zelle. It will open a drop-down menu. Then select “Activity”.

On the Activity page, you can see all table with recent Zelle transactions. Every transaction has Date, Status, Description, where money should be taken and to whom the payment is going. Additionally you can see the amount of transaction. You cannot edit any of these parameters. Transactions that have “Pending” status are still eligible to Cancel. You can also see blue link “Cancel” that you can click. In the table find the transaction that you want to cancel and click on the “Cancel” button.

It shows popup prompt with title “Cancel Transfer”. It asks whether you want to cancel transfer or you just click on Cancel by a mistake. Keep in mind, that you cannot edit the amount of transaction. In the prompt your can click blue button “Cancel Transfer” or you can click on “Don’t Cancel Transfer” that should confirm that you want to cancel the transfer.

Unlike a credit card where you should wait till the transaction clears with Zelle, you should cancel unwanted transfers as soon as you can. Once the recipient accepted the transfer, it is impossible to get the money back.

How stop Zelle payment Wells Fargo?

Wells Fargo allows you can to cancel Zelle payments that are not accepted. Open the Wells Fargo website and after you logged in open the “Transfer & Pay” menu. Then click on “Send Money with Zelle”.

On Send Money with Zelle page you can see recipients, outgoing transfers, and incoming transfers. Take a closer look at outgoing transfers.

In the “Outgoing transfer” section you can see if you have any outgoing payments. It shows to whom the transfer is addressed, and the amount of the transfer. If a payment has the status “Pending” then you can view it and cancel. Click on “View / Delete” to proceed.

On the “Outgoing Transfer Details” prompt you can see the status of the transaction. If it is “Pending recipient action”, then you can still cancel it. You can also see to whom the transfer is addressed and from which of your accounts money is going to be withdrawn. The amount tells you how much money you are about to send. To cancel the Zelle transfer you have to click the grey button “Delete” to confirm your intent. But if you change your mind click on the cross button in the top right corner of the prompt. Then it leaves the transaction intact.

Bottom line

You can cancel Zelle payments if they are still pending and were not accepted by recipient. But if the recipient was already enrolled in Zelle, then payments are accepted automatically. You cannot reject Zelle payment as well as your recipient.

DoorDash is a leader in US food delivery services. In May 2021 service had a 57% market share. The position is way ahead of it competitors GrubHub and UberEats. DoorDash also claims to have 25 million active monthly users. Some users like to pay using credit cards while others prefer to pay with cash on DoorDash. There are various reasons to pay with cash on DoorDash. Some customers don’t have a credit card while others are afraid their card numbers can be stolen. This is why paying with cash is in demand.

DoorDash claims that you can pay with cash. But in reality, depends on many conditions. First is whether the merchant accepts cash orders.

The second condition is whether the driver takes cash orders. The driver has to Opt-in to start receiving orders that pay cash. On one hand, the driver can get cash without waiting for a direct deposit at the end of the week because cash orders will be deducted from his check.

These conditions mean you have to be lucky to be able to pay with cash on DoorDash. Is there anything you can do?

DoorDash gift card

There is a workaround that allows anyone to order on DoorDash without a credit or debit card. You can buy a DoorDash gift card and pay with cash in one of the nearby retail stores like CVS Pharmacy, Walmart, Walgreens, and others. I see these gift cards in almost all stores.

Then you can use a DoorDash gift card as a payment method at checkout. This way you don’t have to handle change. I think this way is much easier and more convenient than handling cold cash.

Visa gift card

Another workaround is to use cash to buy a Visa gift card. You can then use the gift card on any food delivery app like GrubHub or UberEats, but not necessarily on DoorDash.

The bottom line is that there are ways to use cash to pay for DoorDash.

As with any major bank, there are many ways to transfer money from Bank of America to another bank. All of them have their benefits. If you want to transfer a small amount of money quickly, that is one case. But if you want to transfer a large amount of money, then use another way. If your recipient doesn’t want to share the account number then you can use a third way.

Wire transfer money from Bank of America

If you want to quickly move a large amount of money from Bank of America to another bank account then a wire transfer is a good choice. An external bank account can be yours or someone else’s. Wire transfers are frequently used to send a down payment when you purchase a house. It usually takes one business day and often requires some extra security verification.

To perform the transfer you have to first set up the external bank account using the account number and routing number. Only then you can transfer funds. Bank of America charges a $30 fee for wire transfers. At the same time, other banks may charge you for incoming wire transfers. People often use wire transfers to send money internationally.

Transfer money via ACH transfer

To transfer money from Bank of America to your other bank account you can use ACH transfer. ACH stands for Automated Clearing House. You cannot send money to someone else using ACH.

At Bank of America, the 3 business days transfer fee is $3 and the next business day transfer cost is $10. While it may seem not much keep in mind, that ACH transfers at other banks are free and take only 2 business days. So if you initiate a transfer from another bank it is going to be free.

Transferring using the Bank of America website cost $3-$10 and transferring using other banks’ websites is free. Good to know!

Send money with Zelle

Big banks like Bank of America, Chase, Wells Fargo, Capital One, and others created a payment system called Zelle. With Zelle, you can send money without any fee among those banks. Since 2016 the network of banks that participate in Zelle expanded dramatically.

Sending money from Bank of America is free, but it has some limits. You can send up to $2,500 per day and up to $20,000 per month. Therefore using Zelle to make a down payment for your house is not going to work and moving your savings worth $50,000 is not going to work either.

In Zelle to send money, you only need a phone number or email of the recipient. It doesn’t matter what bank the recipient has.

Send paper check

Paper checks are still used in the United States. If you have a checkbook, then you can write a check and hand it in like cash. Alternatively, you can set up bill payments and Bank of America will print and send the check on your behalf.

The signed paper check can be deposited in many ways. The recipient of the check can deposit it using a mobile phone, in the bank’s branch, or mail it to the bank. You can even write the check in your name and then deposit it.

Withdraw and deposit cash

The least convenient and advisable way is to withdraw cash from Bank of America and deposit it at your other bank. You can use Bank of America ATM to withdraw cash. However, keep in mind that the amount you can withdraw per day is limited. You can then deposit cash at your other bank. This way is going to take lots of time.

The bottom line

There are many ways to transfer money from Bank of America and each is appropriate for its purpose.