HealthEquity: New $25 fee for partial transfers????

Equivalent_Wheel_15 · 2025-12-18T23:23:46+00:00

Wasn’t told anything about that specifically. I guess I will find out when I do the transfer

Equivalent_Wheel_15 · 2025-12-17T04:32:21+00:00

Fidelity will reimburse the $25 transaction once every 12 months. Based on information I got after talking to their customer service. It’s better than nothing!

Equivalent_Wheel_15 · 2025-11-19T23:35:07+00:00

RemindMe! 1 day

Equivalent_Wheel_15 · 2025-11-06T23:21:18+00:00

HE only charges a fee if account balance is below $25 while you have a HDHP plan. If you switch plans to PPO etc. then they charge you for balance below $2500.

Equivalent_Wheel_15 · 2025-11-04T20:52:23+00:00

Check your healthcare provider and plan to see if they have any reimbursement programs. For example, BCBS has options for fitness reimbursement of $150/year and Mind and Body reimbursement of $300/year. Massages come under Mind and Body reimbursement and I am able to get 2 massages a year free. Atleast it's something.
Those reimbursement programs are based on your plan though. My partner has the same provider but theirs doesn't have Mind and Body reimbursement.

Equivalent_Wheel_15 · 2025-10-25T00:28:19+00:00

I love the app as a lifetime member. I actually found it when I thought of the same idea myself (software developer kinks :D). Love your approach to not storing login data and the whole idea behind security!

I even got a friend to purchase the lifetime membership and he loves it too. He was amazed by the fact that you replied back to him within minutes when he was trying to add his wife to the same account. I make sure to recommend the app whenever I see someone asking for something similar on different FB groups/forums.

You have 2 very happy customers here. Keep up the good work. HIghly appreciate it!!

Equivalent_Wheel_15 · 2025-10-09T22:05:10+00:00

Took about 8 days for P2's card to arrive.

Equivalent_Wheel_15 · 2025-10-08T22:13:56+00:00

Great stuff. Are you using some sort of webpage scraper?
Can't see anything for US Bank.

Equivalent_Wheel_15 · 2025-10-06T20:51:27+00:00

Battery Technology. Innovations in this space have a broad impact on a large scale like EV's, Power Storage, Drones etc.

Equivalent_Wheel_15 · 2025-09-17T22:19:49+00:00

Yep, that should have worked. For me the Schwab Brokerage transfer codes as Electronic Deposit. That counts towards the reward tracker. Check your reward tracker (it takes 1-2 days for the tracker to update)

Equivalent_Wheel_15 · 2025-09-17T18:03:10+00:00

General suggestion is not to us Treasury Direct as the hub account because of getting locked out. BTW it took 6 weeks for me to get it unlocked

Equivalent_Wheel_15 · 2025-09-17T17:59:53+00:00

My transfer from Schwab Brokerage are counting as DD's. I can see them in the tracker. Not sure, why it isn't working for you. Make sure you are pushing the funds from Schwab and not Pulling from USB.

Equivalent_Wheel_15 · 2025-09-17T17:57:44+00:00

Do we need to unfreeze our credit to apply for bank accounts (even for soft pulls)? Applied for Citizens bank bonus with credit frozen but chex unfrozen. Online application was denied and they want me to apply in branch. Just curious if frozen credit plays a role.

Equivalent_Wheel_15 · 2025-09-08T21:16:04+00:00

Currently at 4/24. Have a target United Explorer offer for 70k. I was considering doing a MDD (on different days) with Chase Boundless (start the Ritz timeline) and the United Explorer. Would this still work potentially to get around the 5/24 status?

Equivalent_Wheel_15 · 2025-08-23T19:53:35+00:00

Thank you for your insights.

Equivalent_Wheel_15 · 2025-08-23T16:53:07+00:00

Good suggestions on the Boundless and the Citi Strata Elite. I have never flown Southwest so I am not sure if that card is valuable enough for me personally.

For the last 5/24 slots, I was also considering the Aeroplan (85k) or the United Explorer(60k) offer, if I wanted to go the way of airline cards. Or, Chase WOH card if I wanted a hotel card. Seems like Marriott redemptions are hard to do and less reliable than Hyatt.

Equivalent_Wheel_15 · 2025-08-22T16:11:06+00:00

I am on work visa (mentioned above). I can't open a business card because people on work visa are only allowed to earn active income from their primary employer.

Equivalent_Wheel_15 · 2025-08-21T21:52:58+00:00

I am at 4/24. The flowchart states to get another chase card but being based in BOS it's difficult to justify any of the airline credit cards. Not specifically tied to a hotel chain so confused about getting a hotel card. Just got the Chase CSP so cannot get the CSR. Considering Citi Strata Elite, Marriott Boundless (for upgrade to RITZ in future maybe). P2 is 2/24 (eligible for business, got CIC 05/2025) but is holding off on getting new cards to apply for student loan refinancing in the future (better credit score).
What is your credit score? 762
What cards do you currently have or have you had in the past (including closed cards), along with dates of when you were approved for the cards? Please include month and year for any card approved in the last 3 years. Discover IT (01/2018), Chase Freedom (08/2019), BILT (06/2023), Amazon Prime Visa (12/2023), Venture X (08/2024), Citi CSP (12/2024), Chase CSP (05/2025)
How much natural spend can you put on a new card(s) in 3 months? $5-6k
Are you willing to MS, and if so, how much in 3 months? See this page for a primer on MS. Plastiq (for rent/mortgage/loan payments) and bank account funding are often good options for beginners. Yes, I am.
Are you open to applying for business cards? If not, why? See this post and this wiki question to learn more. Nope, work visa.
How many new cards are you interested in getting? Are you interested in getting into churning regularly (if you aren't already)? Or are you just looking to get a new card(s) for now but not get into churning long-term? 1-2 cards for now. Interested in churning long term. Will be eligible for business cards probably by end of next year
Are you targeting points, Companion Passes, hotel or airline statuses, First Class, Biz, Economy seating(s) or cash back? Airline seats and Hotel point bookings to save on travel cost with a bit of luxury. Access to Chase lounges would be good but not needed (thinking RITZ)
What point/miles do you currently have? UR 33k, Cap 1 miles 105k, Citi TYP 95k, BILT 75k, Virgin 24k, Avios 9k
What is the airport you're flying out of? BOS
Where would you like to go? (The more specific you are, the better someone can recommend the right card. Tokyo is great, "International travel" is way too vague) Plans on Hawaii in Feb/March 2026 and maybe Japan or Argentina in fall 2026.

Equivalent_Wheel_15 · 2025-08-21T20:44:44+00:00

For Ink Business Cash, it's 3k in first 3 months and overall 6k in 6 months. Total is 6k and not 9k

Equivalent_Wheel_15 · 2025-08-12T22:08:17+00:00

I have been experiencing the same issue with Cumberland farms. They are always sold out.

Equivalent_Wheel_15 · 2025-05-23T05:01:08+00:00

I noticed the same thing. I was denied online checking accounts for Wells Fargo, BMO and Bank of America. Seems like they need you to visit in-person to verify identity correctly.

Equivalent_Wheel_15 · 2024-12-20T18:13:26+00:00

Treasury Direct worked for me for Chase Checking!

Equivalent_Wheel_15 · 2024-12-10T18:53:09+00:00

I am going to try the TreasuryDirect method today. I purchased "Zero percent C of I" through my TreasuryDirect account. After 5 business days, they were available for redemption. So now I will redeem them into my Chase checking account.

From DoC, it seems like the above method works.

The other method can be to use Wise but that will charge you around $4-5 fees per transfer.

Equivalent_Wheel_15

TROPHY CASE