If we provide credit card as a option to use to fund the initial deposit on an account and process it as a purchase is there any chance of it being counted as a cash advance on their card?

Check with your merchant processing representative.

They said it will be a purchase transaction but deposit account funding just seems like it might fit a cash advance.

We are going to start offering Credit Card funding for new accounts opened online. Is this any riskier than debit cards? If so, can you please explain. Is there anything else we should be aware of, like chargebacks, etc.?

Other than considering that unauthorized transactions can come back for 60 days?

60 days for ACH, 120 days for VISA/Mastercard.

Thank you! So under Visa/MC, they get an additional 60 days compared to Reg E to chargeback unauthorized transactions. Whether its ACH, Debit, or Credit, there is no time limit to report fraud, correct?