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Loki, I had the same problem - no external transfer button, and when I called, they said they wouldn't let people do ACH for the first six months.

But I was able to buy certificates by ACH using the "Open Account" button - when I selected certificates and filled out the online forms, I eventually got to a page where I could enter routing and account numbers in order to fund the account.

In fact, it caused a temporary problem because my certificates got funded faster than my regular share account, where I had to send a check.

dan
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