I moved to Texas a few years ago and am looking to move to Colorado in the near future, but I’m originally from California. The bank I’ve had all my life is also only located in California. So I’m looking to find a new bank that is nationwide. Does anyone know of a good bank that’s nationwide? Or what things should I look for in a good nationwide bank? I know basically nothing about banking, so feel free to explain it to me like I’m 5.

I really hope someone can help me here. I am in the USA. I have a friend, he is not great with technology and English is his second language. He just noticed that over the past two years someone has been buying things from his checkings account. The purchases are from Amazon, various fast food chains, Netflix, SHEIN, Fashionova, Nike, T-mobile, Disney and many others.

I’ve already advised him to never pay with debit and always check his account. He feels incredibly stupid, for not being on top of it.

We already “blocked” the account. Since he had charges today. Aside from going to the bank and disputing what else can he do? A police report? FBI? Any input would be greatly appreciated.

This has to be a federal crime at this point.

My chase credit card is almost ready to charge off to a collection agency. I’m going to negotiate a settlement with chase, but can anyone suggest what percentage I should offer? I was thinking starting low & see if they accept. Is 30% crazy? I hear the collection agency takes it for Pennies on the Dollar.

So, I accepted a job offer as a AB (30 hrs.) in LA County. I will be starting in approximately 2 weeks. For those of you who are currently working or have worked for Chase as Tellers/ABs or Chase employees in general... How should I dress for my first day?!!! What is appropriate for this role? What should be avoided? I am a woman in my early 30s. Do you get a stipend to buy clothing on the employee branch store on the land's end website? Also, how do you think I can prepare better for this role? Any specific courses or certifications do you think could optimize my performance at work? I have almost 3 years of customer service experience in retail, and I am really interested in financial literacy, and I would like to move up later on. And, if you have any helpful tips that you think would be helpful, I would be glad to read those. I am really excited about this new opportunity and I really do not want to mess this up!

Capital One bank account is good?

It’s better than BOA and TD Bank and M&T Bank?

So I do grubhub and other food deliveries aside from my regular full time 9-5 just for some extra cash. I thought about making an additional checking account to the one I have already so I can have one place for bills and the other account for just the fun money. What’s the best place to open a new checking account in?

Price of school doesn’t matter as they are all similar with scholarships.

I am looking to go into investment banking and am wondering what program to go with?

Used debit card to get concert tickets then show got canceled and now refund is being processed. The card I used has since been cancelled does this mean the refund will not go through to my checking account? I use bofa. Help!

Currently, I use BoA. But, the benefits given are just standard in other banks.

I'm looking for

1. Great iOS app.
2. Ability to set automatic transfers between checking accounts.
3. $0 foreign transaction fees.
4. Their debit card is either Mastercard or Visa.
5. Provide a checkbook for free.

Bonus:

• Can open a brokerage accounts with them, similar to how BoA allows you to connect your Merrill Edge or Merrill Lynch accounts.

Thank you!

I'm 19 and don't know anything about banking. Sometimes I go into a unarranged overdraft and I don't know why. And it happened today.

Yesterday my psplus ran out and didnt renew because I was In a over draft for £-8 pounds.

I'm with HSBC UK. This morning my sister sent £10 getting me out of overdraft leaving me with £2. About a hour after she sent it psplus tried to take out £12 but failed as I had no money. I got 2 psplus failed payment notifications from my HSBC app in the span of 5 hrs. Then all of a sudden a few hours later the payment went through, even though I had £2, £12 came out putting me right back down to £-10.

I never thought to cancel subscription because I was confident with the 3 failed attempts, not expecting it to be taken out. Plus I was not at home and couldn't cancel it.

Why would it take it out if I had no money. When I don't have sufficient funds and try to buy something or take out a atm it always fails everytime. Why would it fail to purchase but then go and purchase it.

How do I stop this from ever happening again, and make it so that if I don't have the full amount of fund to never put me in a overdraft.

I can't find the catch, but they aren't even listed on any "top checking account" articles I find. There are constraints that you need direct deposit and 12 debit card transactions a month, but 4% is insane for a checking account right? I can't find any fees and you get first box of checks free. Does anyone here use them and has it been a good experience?

I've never shopped around for a checking account before so I'm not sure what to look for.

Cheers

So anyone of the community knows how to get loan noc from bank We settled the car loan and now we are having problem with getting the NOC HDFC bank people says that some credit payment is still there which is a completely different matter that's why noc can't be issued Car loan is all settled Why should I do?

Someone used my debit card to pay two credit cards totaling almost $3000. It was just those two transactions (one for 300 and one for 2500) to two separate credit cards - they haven’t posted yet officially as it is Sunday but I have spoken to my bank.

The weirdest thing is- I had JUST gotten paid and got a tax refund deposited less than 24 hrs before they did this. And they used almost exactly what was in my account (it currently has only $7 now). I almost never keep that much in my account I just hadn’t gotten a change to transfer any yet.

I’m in the US- isn’t this amount a felony?! Do I make a police report??

Going in tomorrow to hopefully get this resolved. Was told it can take up to 45 business days??? I’m terrified. It was all my money.

Thank you for any help

ETA I just spoke with my bank and they confirmed it was my debit card used. Once at noon yesterday and once at 8:07 pm. Both were credit card payments made with the debit card (info- I still had the card in my possession). Additionally the transactions aren’t going to be officially posted until 10 pm tomorrow night so I can’t do any disputes until at least Tuesday 😢

Which savings account offers the best interest rates and features and what's a good starting amount to maximize its benefits ?

This may be in the wrong community, but I have come across a rental property through booking.com that sent me an invoice for the stay. I guess they are responsible for facilitating the payment and not booking.com. With this, I must send payment via ACH payment or wire transfer. Is ACH payment about as safe/secure as paying by a credit card if something ends us array? I have only spoken with booking.com customer service about this so far, not my financial institution. Booking.com was rather nonchalant about it but I don’t super trust it. I wouldn’t have booked this property if I knew I couldn’t pay with my credit card but I guess it’s non-refundable. Thanks for any advice!

Hi all, I am currently a teller at Wells Fargo and I really dislike it. Mostly because it's customer-facing. So my question is, what could my career path be? If I am starting as a teller but I don't want to work with people, what path/jobs could I apply for within Wells Fargo that aren't customer-facing? There may not even be options here but I thought I'd ask. Thank you!

Has anyone had any experience opening a new Wells Fargo checking account for $300?

I've already done direct deposit every month and passed the 90-day benchmark - it's now around 110 days and no bonus yet!!

I called the customer care, and they said after 90 days, 30 days is the timeframe, but people usually get after their 90-day period end.

Anyone have issue like this with wells fargo?

Hi there everyone! So I was frauded about 5000 dollars in about 60 transactions and the fraud department told me they made 4 cases for each of these transactions. I started the claim on Tuesday;yesterday they refunded 3100 so I’m wondering if that’s all they are going to return or they are still working on the other cases(example:they handles 2 of the cases and going to do the rest)

So, I moved and now live far from a brick-and-mortar PNC. I called, initially because I was having trouble transferring money to other bank accounts. Here are some things I learned from PNC across 5 or 6 calls and at least 8 people.

[Note that except for the one person who hung up on me, the customer service people were friendly, and seemed to sincerely be trying to be helpful but either had no help to offer or were not empowered to offer it.]

• No we have no idea why all your accounts show up 2x in the dropdown
• No we don't know why each instance shows a different transfer limit.
• No you can't open and transfer $$ to a higher rate CD online or by phone
• Yes, we have a $3000/month limit on transfers per Account
• Actually, we meant $3000/month across ALL accounts
• Except no you can't transfer anything without a long call to the bank
• Yes, we will repeatedly tell you that it would be easier if you went into a branch even though you have pointed out - several times - that the distance to the nearest branch is the reason why you're trying to access your money in another way
• No you can't talk to anyone higher up to see if there's a way to keep you as a customer
• No we aren't going to
  • offer a higher interest rate to get you to stay
  • raise the transfer limit
  • do anything but mail you a cashier's check by US mail
• No, really, there is no one else to talk to
• Yes, it will take 7 to 10 business days for you to get your money but...
• No it might take up more because US mail, who knows?
• Yes we will close your accounts immediately without saying that you will lose all access to your statements immediately
• No the "customer advocate" who calls you can't expedite delivery of your check
• No, we can't tell you what state your check was mailed from so you know how much to be nervous about the fact that 7 days have passed and the checks haven't arrived yet
• Yes, we will fail to tell you that if you had consolidated your money into a single account before closing them, you would have reached the threshold for overnight delivery of your check
• No we can't send you PDFs of your statements, we will send them by US mail and it will take up to 10 days (but prob we mean 12?) days
• Yes, we CAN send you PDFs of your statements, actually
• Yes we will randomly reach out after the whole PDF conversation
• Yes, we will offer you to talk to a higher up "who will be calling you soon"
• No, the higher up will not call you

Suffice it to say, I will not bank with PNC again.

Compare that to my experience with TD Bank - I was withdrawing money to deposit to a high-yield CD and they said "hey, we'll meet and beat that rate."

I'm moving from the US in a few months (and abandoning my permanent residence). I'd like to keep a US bankaccount because a) I expect to sometimes receive paper checks (yes, it's the 2020s but paper checks) and need to mobile deposit them, and b) I need to continue to pay some monthly expenditures through autopay for the time being. I don't really need a US debit or credit card, although I will return frequently and it'd be nice to have one or the other. (I'll obviously have a bank account in my new country of residence in Europe).

Have always banked to satisfaction with SoFi, but they don't allow you to live abroad unfortunately. I've found Alliant Credit Union recommended for cases like mine, but I'm afraid they don't allow me to set up autopay. Does anyone know a good option?

Hello. Please bear with me if this question has been already asked and answered — I'm filling out an application for an apartment, and it is requesting the 6-month balance of my checking account. What is this, exactly? The combined balance of the past 6 months? How do I calculate it? Or is it typically listed anywhere, such as my bank statement? I'm new to all of this and am trying to learn, so I would be grateful for any help/advice.

Traveling to Europe for the 1st time out of the states this summer.

It was recommended to open a CS account for zero fees and ease of conversion to local currency at ATMs.

That got me thinking, my credit union locally is no fee but doesn’t reimburse and isn’t as reliable in finding participating ATMs.

So then I saw someone mention they only use CS for travel and Capitol One, or another HYCA, for their direct deposit and main cash stash.

I was thinking about this but being in a state that taxes interest at the state level, I moved my credit union savings and non-‘necessary cash from checking to Vanguard Bond Funds since that’s only taxed federally.

TLDR: Credit Union is inferior to Charles Schwab for checking. Do I close my credit union and move my direct deposit to CS or is there a benefit to moving it to a HYCA and only using CS for travel (state taxes on earned interest)?

Does anyone use citizens bank and send money through Zelle? Iv been trying to but I want to know what the payment will show up as on my account. My wife has access and I’m paying a small business for a gift and I really would like her not to start asking about it if she sees the name or the phone number. So does anyone know what the payment will look like on my account?

A close family member of mine passed in 2020 and left my sister and I their savings in cash. The two of us had always looked at the savings as a source for emergencies only, and so we hardly touched it. Years later, however, we've decided to split the inhertiance and I'm now considering depostinig it in the bank for investments. What would I tell my banker? Would I be questioned for barley brining up the inhertance years after their passing? I feel like it should be find but I wanted to double check.

I'm also a little afraid because my sister and I never counted the inhertance as an asset before we recently split it; we would continue our snap and low-income deal with our apartment with only our individual savings. Considering that we legitimately were low-income (or for the most part making no imcome since we were students most the time), would there be any issues having deposited the inheritance now?

So my boss cashed his check on Friday but his funds wont be available until monday, he gave me a check that is worth more then the money he has in his account at the moment until his check hits. If i were to immediate deposit (we both use truist and truist has option to immediately deposit check for 2% fee) my check today on Saturday, would the funds be instantly taken from his account or will the bank wait until he sufficient funds?

I see Peoples bank for $300 sign up. Any other good promotions?

My BoA was linked with my US mobile Phone. Since I left US I have been on the phone for more than an hour with a BoA agent to make sure any online tasks - like bank transfer - should send security code to my email instead of my phone number (that is now closed). I spent $$$ on the phone (calling from abroad) to make this change and they told me it is done. Now, I tried, and of course, it has not been changed... there is no other way to talk to this stupid bank? There is no online chat or email to contact them and ask them to make this change? How in 2024 this old school service is surviving???

I work for a large organisation that supplies digital card solution products. We are strong in traditional card manufacturing but are just entering the digital market.

I'm responding to an RFP from a very successful fintech bank .

I want to understand the psychology of the buyer persona and how should I answer the RFP in a way that my company has a strong chance of winning ?

I’m looking to open a HYSA with this bank. Since I live in Texas the interest rate is 4.97% with an APY of 5.1%. Does anyone have any experience with this bank? I’ve never heard of them before.

Long story short, August 2023 I was supposed to be having surgery. This operation cost me £10,000. Unfortunately, the company went into liquidation, and my surgery, despite being paid & signed for, was "Postponed" 3 days prior.

I've taken out 3 claims, as the payment was done in 3 separate installments. One of them, I took out in Jan & after a small mixup I received a Credit Adjustment in April. This is less than 20% of the total payment, but it's a start.

I've been told that the largest amount would take up to 120 days to process. It will have been 120 days since I took out the claim in 3 weeks.

I am tired of postponing my surgery, and would like to get it over with, however want my money back first. So my question is - How does a credit adjustment work?

I know it's almost kinda like a loan? When am I safe to use this money? I have no idea, and nobody I ask seems to know. I plan on asking the bank once the 120 days are up, but figured I'd ask here too.

Thank you!