Everyone knows the PayPal as a service to send money inside your country and abroad. But did you know that PayPal has a debit card with some benefits? The plain blue Visa debit card works like any other debit card offered by other banks and fin-tech companies. What are the benefits of having and using a PayPal Debit Card?

First, you can withdraw cash right from your Cash Plus account at a number of fee free ATMs. The network is called MoneyPass and it has more than 25,000 of them. There is no need to wait 2 or 3 business days before cash will land on your bank’s checking account. There is no need to pay a fee if you want money sooner. You can go to one of thousands ATMs and withdraw cash. The limit is $400 per withdrawal. Be aware, that there were some issues with some MoneyPass ATMs that mistakenly charged customers a fee.

Second benefit is that you can use the PayPal Debit Card to pay for things. I don’t recommend it, but the fact that you can do it makes this card more legitimate. Since it is a Visa debit card, your transactions are protected by the Visa network up to a certain limit.

Third, you can deposit cash at the register of numerous retail stores like Walmart, CVS Pharmacy and others. The limit is $500 per deposit up to $1,500 per day. The monthly limit is $5,000. It may be too little for some people who work with loads of cash, but for many others these limits are pretty reasonable. You can also use other ways to add cash to your PayPal account.

Despite all these benefits I think you should not use PayPal as your only banking service. PayPal has quite a limited number of services and often gives you a headache. I believe you need more reliable primary bank.

PayPal Cash account may seem like a regular bank because you can find PayPal Account number and routing number to make ACH transfers and setup direct deposit. However, customer support of PayPal debit card is very poor.

You can overdraft PNC Bank account when your balance is too low. PNC Virtual Wallet account offers an overdraft protection for your checking account. When some transaction exceeds your current balance happens overdraft. Bank can decline transaction or your account may fall into negative balance. Mishandling an overdraft may have a tough consequences.

Most often overdraft happens when your account is hit by a large transaction like rent payment that exceeds your limit. Consequences maybe disastrous. This is why you must know how overdraft are handled.

Low Cash Mode gives you extra time of 24 hours to settle overdraft of your PNC balance and deposit missing funds. Otherwise you’ll have to pay a $36 overdraft fee per day. You can selectively apply or reject transactions that overdraft your account using payment control feature.

Overdraft protection can cover ATM withdrawals and other debit card transactions like purchases.

There are few options to handle overdraft of PNC Bank account.

1. Use a secondary checking or savings account to cover the overdraft. PNC Bank can transfer money from another account and your balance can stay positive.
2. As an alternative, you can use any of your PNC Credit Cards for overdraft protection. For example, if you have a PNC Cash Rewards Card, PNC bank can cover your overdraft. Other cards like PNC Bank Core Credit Card, and PNC Bank Points credit card maybe used too. 
3. You can also use the PNC line of credit to cover overdrafted amounts. The credit line can easily cover $1,000 overdraft.

If you are OK to have declined transactions, then you don’t need PNC’s Overdraft Protection. However, if you have a credit card with PNC, then overdraft protection will not hurt. In case you want to cover overdrafts by bills, then you can just lock your PNC debit card. Then PNC bank will reject debit card transactions but let bill payments go through. Bills are usually worth covering in case of overdraft.

Here is how to lock your PNC Debit Card.

You can read more about PNC Bank here.

When would you need PNC account and routing numbers? After you open a PNC Bank account, you have to deposit money. To do this you can set up a direct deposit or make an ACH transfer. You can also ask someone to wire you money. To do this you need a PNC account number and PNC routing number.

Paper check

There are different ways to find a PNC Bank account number and routing number. First old school way is to use a paper check. For this, however, you need a checkbook. Since PNC Bank doesn’t send a free checkbook, you may well not have the check book. How else can you find the numbers?

Statement of PNC Account

If you receive paper statements for your PNC Bank checking account in mail, you can try to find them there. PNC Bank, however, is notoriously bad with providing paper statements online or through mail. The only place I was able to find statements is in the PNC Bank mobile app.

PNC Bank website

Your best shot to find account number and routing number for your checking account is the PNC Bank website. You can watch my step-by-step instructions on how to find these numbers.

Find Account number and routing number in PNC Bank Mobile App

You can find your PNC account number and routing number using the PNC mobile app. It is pretty easy and straightforward. Open PNC mobile app and login. After you open the PNC mobile app, tap on your Virtual Wallet account. Then scroll down and at the very bottom find section “Account actions”. There you can find account numbers. On the account actions screen you can tap on “Account and Routing numbers”. PNC bank will ask you for additional verification. There after verification you can see the numbers. For more details watch the following video.

Unlike other banks, PNC Bank makes finding account and routing numbers very complicated. I think it is unnecessary. These numbers are mostly used to receive money and it is rarely being misused.

To electronically transfer funds from a PNC bank checking account to a Bank of America checking account, there are three main methods.

Wire transfer

The first method is to wire money from PNC Bank. The widely used process known as a “wire transfer” enables regular people like you and me to transfer money swiftly between bank accounts. This feature is accessible on the websites of large banks like Bank of America, Wells Fargo, and Chase.

PNC Bank is not as usable as other banks. Unfortunately, using the PNC website or PNC mobile app to send a wire transfer is not possible. You must call PNC Bank customer service and request the transfer in order to wire money from your PNC Virtual Wallet. You will need the recipient’s Bank of America account number and routing number. These numbers can be found in your online account on the Bank of America website. This transfer cannot be canceled, so double-check all the numbers. You’ll have to pay $30 for the transfer.

Zelle Transfer

Zelle transfer is a second option. You need the recipient’s phone number or email in order to make this transfer. You can send money to yourself if you use your own, unaffiliated email address or phone number for this. The recipient must sign up for Zelle using a different email in order to receive transfers to a Bank of America account. There is a cap on the total amount that can be transferred, but the transfer is free. Typically, the cap is less than $2,000 per month.

ACH Transfer

An ACH transfer is the third option. You must be the owner of both a PNC Bank and a Bank of America account. Linking your PNC Bank account to your Bank of America checking account is required before you can complete the transfer. You must locate your Bank of America account number and routing number in order to complete this. It is accessible through the Bank of America website or mobile app. It typically takes a few business days for the transfer to clear.

That is how you can transfer money from PNC Bank Checking account to Bank of America checking account.

When you get your new shiny GO2Bank Card you may wonder how to add money to your account. As a mobile-only bank Go2Bank doesn’t allow you to deposit money at an ATM or in a bank branch. That feature is available to customers of big banks only. For example, Chase, Bank of America, Wells Fargo. But there are 5 other ways to add money to your GO2Bank card.

Direct Deposit

The first way to add money to the Go2Bank debit card is to set up Direct Deposit from your employer. All you have to do is find the account number and routing number of your Go2Bank card. Then ask your employer to use these numbers for your direct deposit. Most often you have to file a form and the HR department handles the rest.

You may be able to set up direct deposit by yourself on your employer’s payroll provider website. The process always requires you to enter your account number, routing number, and what portion of your paycheck you want to deposited. It can be a fixed amount or some percent of your earnings.

If you are referred to Go2Bank by your friend and want to receive the signup bonus, your direct deposit should be at least $200.

Cash a paper check

If you receive a paper check in your name, you can cash it using Go2Bank mobile app. The feature is called mobile check deposit. You should take two pictures of the check from the Go2Bank mobile app. Take pictures on a dark contrasting background with good light.

Go2Bank partners with the Ingo Money service which allows you to scan the check and deposit it within 10 days. Go2Bank and Ingo Money are not charging a fee for mobile check cashing which is a very nice thing.

Deposit Cash at a Retail Location

The third way to add money to Go2Bank account is to deposit cash at a retail location at the Register. The cashier can scan the barcode and accept the cash.

The daily limit on deposits is $3,000. It is 3 times more than the majority mobile-only banks. For example, Chime limit is $1,000 per day. The limit per deposit in a retail location is $500.

You can make the deposit at retail stores like Walgreens, CVS Pharmacy, 7-Eleven, and Safeway. Go2Bank offers two ways to deposit cash.

• Swipe the card at the register. In this case you will need the actual debit card.
• Generate a special barcode and let the cashier scan it.

Then give the cash to the cashier. Money should be available within a few minutes. Regardless of the way you deposit cash, the deposit cost $5.

Transfer money from Bank Account

The fourth way to add money to Go2Bank is to transfer money from an external bank account. All you have to do is link the external bank account using a special service called Plaid. It requires you to pass authorization through your external banks form. Majority of these banks allow this, but there is one known exception. Cash App doesn’t allow you to connect using Plaid.

After you linked the external bank you can transfer money. Usually, transfers take up to 3 business days.

Transfer money from a Debit Card

Fifth way is to transfer money from a debit card. The transfer happens almost instantly but Go2Bank takes 3% commission and the minimum is $2. It is a ripoff!

These are my 5 ways to add money to Go2Bank card.

Before you transfer money link external checking account to your Wells Fargo account. After external account is linked you can transfer money from external bank account to your Wells Fargo account or from your Wells Fargo account to an external bank account.

Click on “Transfer & Pay” in the top menu and hover over “Transfer Money”

On “Transfer Money” screen your have to click on “Add account” that is placed right after “Non-Wells Fargo accounts”

On “Add Non-Wells Fargo Account” screen you have to select “Account type” and how you are going to use the external account. Select “Transfers and payments”. Then scroll down.

After you scrolled down you have to enter “Account number” and “Routing Number” of your external checking account. These numbers can be found on your paper check if you received a check book. Otherwise you can find these number on banks website or in its mobile app. Then click “Continue”.

After you clicked “Continue” Wells Fargo suggests to verify all the details of the account you want to link.

Then you have to scroll down and verify account number and routing number of your external bank account. Then click “Add Account”

After you click “Add Account” you have to wait for two trial deposits to confirm that you own the external account.

Once you receive the trial transactions in your other bank account you have to click on “Confirm the amounts”.

After you enter the numbers, you can click on “Submit”. Once the external checking account is verified, you can transfer money to your Wells Fargo account and out of your account.

Unfortunately Wells Fargo hasn’t integrated service like Plaid to instantly link external accounts.

As a new owner of Wells Fargo Checking account you may wonder how to add money to your bank account. It is a good idea to keep at least a $500 balance or set up a monthly direct deposit of $500. This way you don’t have to pay the $10 maintenance fee. First deposit can be made using your debit card or using your bank account.

ACH Transfer

You can link an external bank account. This method is called ACH Transfer, also known as automatic clear house transfer. Usually this transfer takes 2-3 business days to finalize. You can do it from your other bank or pull money using Wells Fargo. ACH transfers are free of charge, so you can use them a lot.

Deposit Paper Check or Cash

You can deposit paper checks and cash to your account. First way is to visit the Wells Fargo Bank branch and ask the teller to deposit cash or a paper check to your balance. This is an old school way that is rarely used these days. Second way is through deposit enabled ATMs. Majority of Wells Fargo ATMs allow you to deposit not only cash, but also paper checks. Third way allows you deposit only paper checks. The feature is called “mobile check deposit”. You can find it in the Wells Fargo Mobile App.

Setup Direct Deposit

If you earn money through your job or receive some benefits – you can setup direct deposit of your salary. In the case of a job, you can give a VOID check to your employer, or setup direct deposit manually through your payroll service. TO do this you’ll need the account number and routing number of your checking account.

Wire Transfer

To transfer a large amount of money to your Wells Fargo Checking Account from your external bank account, you can send money via wire transfer. You’ll need the account number and routing number of your Wells Fargo Checking Account to make it too. Wire transfers require you to pay a fee of $30 or so. The amount of fee depends on the bank from which you send the money.

Zelle Transfer

Wells Fargo is one of the founders of Zelle. No surprise it supports Zelle from the very beginning. It means you can receive money right on your checking account. For this, however, you’ll have to enroll your Wells Fargo account into Zelle service. You can use your phone number or email to identify yourself in the system. But you should be aware that Wells Fargo has certain limits on Zelle transfers.

These are 5 ways that you can use to fund your Wells Fargo Checking account.

Transfer money to and from Wells Fargo checking account maybe needed if you have an account in other bank. For example, you may want to transfer money to Cash App. When you change your bank you also have to move money between banks. You can use 2 ways to transfer money – website and mobile app.

Wells Fargo Website

First you have to open Wells Fargo website and login using your user name and password. If you enabled 2-factor authentication, you may need to enter 6-digit verification code. After you login to your Wells Fargo bank account, you can click on “Transfer & Pay” and then in the drop-down menu click on “Transfer Money”

On “Transfer Money” page select account FROM which you want to transfer money and account TO which you want to transfer money. You may need to link an external account before using it. Check how to link external bank account to your Wells Fargo account here. You must set date when to send money and set amount that you want to transfer. When everything is ready, click “Continue”

Maximum amount you can transfer per day is $5,000 and it is going to take 3 business days to finish.

You can find more detailed instructions in the following video.

Wells Fargo ACH transfer using Mobile App

Watch the following instructions on how to transfer money from and to Wells Fargo checking account using mobile application.

Is there a transfer limit for Wells Fargo?

Often banks impose limits on incoming and outgoing money transfers. Wells Fargo ACH transfer has a limit of $5,000 per day. If you want to transfer large amount of money, you may want to consider wire transfer or deposit paper check.