I’m in California.

I’m a platinum tier rewards member at BofA as I have my savings there as well as checking and credit card. Half is in a CD and the other half cash. I spoke with a financial advisor who’s suggesting I look into HYSA (and through my own research I’m now also considering a money market account through fidelity or similar). And as BofA doesn’t offer HYSA and I’ll lose my “rewards” (most of which I don’t use) if I move money away from them, I’m reconsidering if it’s the best bank for me at all.

I sort of ended up at BofA by default. I used to bank with Simple and LOVED them, but then they were sold and sold again and I didn’t love the new management. I needed somewhere quick and BofA was there.

Looking for a new bank that must have:

• excellent digital/online banking
• work with wise international xfers (though I think they use ACH so it shouldn’t be an issue with most banks)
• easy /cheap/ free bank to bank transfers (Zelle is fine)
• no monthly checking account fees.
• credit card travel rewards

Nice to have:

• HYSA or money market account offerings
• good interest rates

If there’s not one bank that can do all of the above, what are the best options for separate banks for everyday checking account + credit card + HYSA/MMA that work well together?

Thanks for any advice!

Here is my issue. I wrote legitimate checks to a "LLC company" that is now in breach of our agreement so they owe me money back because they failed to deliver materials that I pre-paid for. So she has 'gone dark'. I did some forensic accounting and noticed that checks to this LLC company were deposited at the same bank (same routing number) but using 3 different account numbers. I am concerned about this person co-mingling accounts (ie possibly depositing checks into an account likely controlled by her but not the actual LLC I wrote the checks to). Like should be corporate deposits but maybe she is depositing into her personal accounts --- I don't think this is illegal but she could get in trouble with say the IRS. I do have a financial claim against them so I would like to confirm or deny if all 3 accounts are in fact in the name of this "LLC Company", if it is fine, i have no case; but if they are not all in the name of this "LLC Company" then I could start a 'improper endorsement' process with my bank. It may not return any money to me but it will create hardship for this person who is acting is a shady manner and who owes me money. Any ideas, please let me know. She is an incredibly unethical person!

So any inside techy out there can tell us what exactly is happening at Barclays? There’s no real news anywhere. Thanks

Stressing a bit. About a week ago I went to deposit a few checks with CashApp, but for some reason they wouldn’t accept two of them. I contacted customer support but they wouldn’t give me any more information, so I asked them to put a stop order on the other check that was processing so that I could use a different financial institution, which accepted all of my checks. Over the past week, I kept checking CashApp and it still said the one they initially accepted was processing, but I assumed that it’d fail to go through since I already received the funds elsewhere. This morning I got a notification that it went through with CashApp somehow. I don’t plan on touching the money in there, but I’m not really sure how this even happened. What do I do at this point?

My insurance sent me a refund, and the process suggests I print the check and cash it. I'm unsure how it suppose to work. Do I just print in black and white regular paper? Do I bring that to my bank? Or does it allow mobile deposit?

There is a Reject Check option. If I click it does it give me more payment option?

My investment broker issued me a check drawn on a Wells Fargo check I went to my local Wells Fargo branch and they could not cash it due to not having funds available I went back to that branch and the same issue however they cashed a portion of it for me and then issued me a cashier's check with the remaining amount I went to a different Wells Fargo branch to cash the remaining amount and had the same issue they cashed me a portion and cut me a cashier's check. that cashier's check was not signed by the banker and in the time that it sat at my house, a couple of week, the back of the other portion of the check bled on to the check making it say void on it now I have to pay a surety bond to get a reissuance and my problem with that is they cut me a cashier's check they should have the funds available and this would have never happened if they just funded their own cashier's check.f I write a check to someone and I don't have funds available it is my fault why are they not held to the same standard I admit it's my fault for the check saying void on it but again it would not have happened if they would have just cashed me the check and it wasn't really for that much for a bank to handle the original check was for $24,000 and the remainder now for 13k thanks for any advice

My wife and I are looking for a mobile checking account that allows check writing, ACH, mobile deposits, and perhaps even high-yield. Any recommendations? We’ve been reading about FIDELITY Cash Management Account and Presidential Bank Mobile as two options. Any experience with either would be helpful.

I find it strange that banks seem to take more after pending charges clear. So I started to keep track of my purchases and when the pending clear they seem to taking more.

Last night at 7:58 PM I deposited money from Venmo instant transfer into my Cadence Bank checking account to cover an auto draft.

The money was available to spend instantly, but it didn’t clear the bank last night. It’s still available to spend (minus the bill that cleared) but it shows pending. My available balance is positive but my current balance is negative, so I’m going to have an overdraft fee on Monday.

If I had deposited cash into the ATM before 9 pm it would have cleared. Isn’t instant transfer supposed to clear the same as cash?

Was just on tic tok and several creator videos came up about Sofi all negative? Literally 100s of comments. Also seen smears on Facebook.

They have HYSA for 4.75 APR right now, is this a trustworthy bank? Has anyone had experience with them?

My mother died and we filed for the life insurance policy. We thought the policy was covered by trust we knew about and listed that trust in the application. However, the policy was actually covered by a second trust that I had signed in 1990, but forgot about and never saw again. The insurance company had two pages of the trust, the first page and the signature page that they provided us. We went back and forth for months and they finally agreed to send a check. The check is made out to the the trust with my name. My problem is that although the insurance paid off the policy with only part of the trust, our bank refuses to create an account with only part of the trust document. What can I do? Would a credit union or saving and loan be less demanding in their requirements? Any advice is appreciated.

As the title states, What HYSA do you use?

So a family member of mine is coming into some money from some SSA benefits backpay and they want to give me a portion of it for helping them out while in the process of being approved for SSA/SSI. We both have personal checking accounts but we're on each other's account so we can transfer to and from both as wanted/needed, I'm just wondering if the $10k+ deposit reporting is something we need to worry about considering I'm on both the account the money is coming from and the account it's going to.

So I supposed to be getting paid today from my work from West Fargo but I never received my money and I'm a little bit frustrated

My Nightmare Experience with HDFC Bank: Aadhaar-NPCI Linking Full of Lies, Negligence & Zero Accountability

I want to share my terrible experience with HDFC Bank regarding a simple Aadhaar-NPCI linking request. This should have been a straightforward process, but HDFC’s negligence, misinformation, and lack of accountability turned it into a complete nightmare.

The Nightmare Begins – 6 Useless Branch Visits

For 1 month, I visited my HDFC branch 6 times in december month just to get my Aadhaar linked to NPCI.

• Every time, I was told "biometric machines are not working" and that it would take time to replace them.
• No one at the branch could give a clear answer on when the machines would be fixed.
• Meanwhile, I was constantly made to run back and forth with no resolution.

Only After a CRM Complaint, Things Moved (Suspiciously Fast)

• Frustrated, I finally escalated the issue via email to HDFC Customer Support on 12-01-2025.
• A CRM case was raised, and suddenly, the very next day (13-01-2025), a branch employee called me and asked me to visit immediately for e-KYC document submission.
• Until 12-01-2025, they claimed their machines weren’t working. But after my complaint, they magically got "new machines installed overnight"!

More Confusion & Contradictions

• Submitted my Aadhaar NPCI linking request on 13-01-2025 via biometric e-KYC. I was assured that the process would be completed in 2 working days and I would receive a confirmation via SMS/email.
• No confirmation ever came.
• Followed up on 18-01-2025 via phone call.
• HDFC’s staff (Mr. Phani) was clueless about my request. He had to check with a co-worker just to confirm whether it was done. Clearly, no proper records were maintained. He then assured me it was completed and to wait another 1-2 days.

Raised Another CRM Complaint on 30-01-2025 – More Drama on 31-01-2025

• After my second CRM complaint, I received a call from HDFC’s staff (Mr. Phani) on 31-01-2025.
• He claimed the linking was already "completed" on 13-01-2025 and asked me to visit the branch to check in their system.
• I asked, “If it’s already linked, why is NPCI’s portal still not reflecting HDFC Bank?”
• He had no proper answer.

When I demanded proof of linking, they gave zero confirmation and instead blamed the government portal.

Failure in Communication & Transparency

• No Confirmation from HDFC – They assured me Aadhaar NPCI linking would be completed in 2 days, but I never received any email or SMS confirmation.
• Contradictory Statements – Initially, they said it takes 2 days, but now Mr. Phani claims it was completed on the same day (13-01-2025). If that’s true, why wasn’t I informed?
• Misleading Information on Confirmation Number – Mr. Phani mentioned that I should have received a reference number HI0017498507 in my email. But I never received any such email. If HDFC truly completed the linking, why is there no official confirmation?

Contradictions & Blame Game (31-01-2025 Call)

• HDFC Claimed the Linking Was Already Done on 13-01-2025, but when asked for proof, they had no answer.
• They blamed NPCI’s system, saying it might not be updated.
• When I asked if submitting the request again would solve the issue, they admitted there was no guarantee and that it’s a “hit or miss process.”
• If HDFC itself doesn’t trust its own process, why should customers?

No SMS, No Email, No Transparency

• If my Aadhaar was really linked to NPCI on 13-01-2025, I should have received confirmation.
• I never got any SMS or email.
• HDFC expects customers to just believe them without any proof.

The Bigger Issue – HDFC’s Unprofessionalism & Negligence

• HDFC employees don’t know their own processes.
• They give contradictory answers to customers.
• They blame NPCI/Gvt. Portal instead of taking responsibility.
• They don’t provide written confirmation even when explicitly asked.
• They force customers to visit the branch multiple times with no guarantee of resolution.

What Next?

I’ve already raised a formal complaint with HDFC and will escalate this to RBI if not resolved ASAP. I’m done wasting my time dealing with incompetent banking staff who don’t take customer concerns seriously.

Has anyone else faced similar issues with HDFC’s Aadhaar NPCI linking process? Or should I just switch banks at this point?

Exactly what it says in the title. Recently I've been having a trouble cancelling a subscription, where I was recently charged despite having deleted my account for said subscription. I've been figuring out if I did the stop payment correctly, mainly the whole 'check number' thing.

Long story short, never got a bank account. Went through bunch anxiety and stuff and still doing it. Don’t have a job right now. But been doing bunch of pet sitting and I fix small engine equipment. So looking to open up a account. Best banks to use? An also can you do it online these days? Or still need to go into one? Thanks

Hi anybody here work for LiveOps and when do you get your DD?

I'm 23. Just got about 10k back on taxes and have another 5k in the bank. Kind of set up where I'm at right now and looking to mortgage in about 2-3 years. Did some research and found out about HYS. Thinking for this short term investment period it's a good idea to put this money away in one.

Any recommendations on the highest rate of return I can find with 15k?

Hello, My dad has an account with Bank of America and is a preferred customer there. He’s had a steady job for decades, but he did accumulate a large cash emergency fund. It’s at 50k now approximately. He’s thinking of moving to Mexico within the year and obviously he can’t take the cash with him. Would a deposit of such a large quantity be flagged or his account frozen? Should we call them in advance to let them know? I’m not sure if anyone else has had experience with this, but I appreciate any feedback! Thank you!

I have Cadence but don't wanna pay $35 a month for treasury services to get this service.

*to external account you don't own. Such as making vendor payments.

I know that people have asked this question a million times but whats the best place to make a checking&savings account for a student. So under 25 years old, not crazy amount of money, but want good cash back also no hidden fees please/no fees at all. I currently have a wells fargo checking/saving and a discover credit card. But want to switch my wells fargo account bc I feel like its not good?

Are there any banks that offer unsecured LOCS to high-credit-score customers with ownership of just over 12 months? I realize the standard requirement is often 24 months... Business itself has been around forever, it's just the ownership change happened around 15 months ago.

It seems like all the national big banks are 24 months required...

Prefer bank with operations in TX.

Any suggestions?

I asked the following question to ChatGPT, Gemini and Deep Seek and they all gave different answers. I am confused.

Which of the following statement is true?

MT101 can only contain sequence A or sequence B but not both.

MT101 will always contain sequence A and sequence B is optional.

MT101 will always contain both sequence A and sequence B.

Deep Seek said correct answer is option 1.
Gemini said correct answer is option 2.
ChatGPT said correct answer is option 3.

So, what actually is the correct answer?

I got the Klarna plus trial, and I still had until Feb 4th to cancel, however, when I checked my bank account this morning, I noticed they charged me the $7.99, even tho it wasn’t supposed to until Tuesday, but I was gonna cancel anyway. Contacted Klarna and they said they had nothing to do with it, that the bank charged it early to make sure I have enough funds. This is so stupid, why would they charge 4 days early? I have Bank of America. It’s just really inconvenient when I’m on a tight budget, and surprise charges like these make no sense. I canceled the trial, but I’ll see when I get the money back.

I just started as a rep payee for disabled individuals in my area. One of them has reports stating she has a burial account with quite a bit of money in it. Problem is, they don’t say which bank it’s at and the funeral home listed has no info on her. I have called multiple banks in the area and where she is from and I cannot find it. Is there a way to find out where it is that isn’t me calling every bank in the state?

Recently in the UK I’m hearing a lot about fraudsters being able to add peoples debit cards to Apple Pay without receiving codes from the bank. Is anyone able to tell me how they are doing this?

I’ve just recently joined a bank as part of the data architecture team and I’m working with/around lots of teams that use lots of data terms in not familiar with. Some examples short term lending, ecm/dcm loans, drawn/undrawn amounts.

Is there a book that covers fundamental banking concepts I can read to get me up to speed with this and similar things?

Thanks

I'm in a bit of a pickle and need help from someone who actually understands banking stuff a little more than I.
For some backstory I have always had pretty good income, even for the last 2 years I worked two jobs. Always paid my bills on time, only loans I have are a car loan and a phone to pay monthly, which automatically come out of my account when the bill is due.

I have a pretty important medical issue coming up and I wanted to get a small loan from my bank, but as I was speaking with the agent on the phone, I was told my credit was too low for the smallest of loans, and would also get automatically denied a credit upgrade.

When I asked how come my credit was this low and what caused it to be this low when it should be good I was met with silence and got told they couldn't divulge this information. They wouldn't even give me info on what a "secondary loan" was on my account and I had to guess that they were talking about a school loan from nearly 4 years back.

Are banks allowed to be this secretive over your own information? And also, what can cause credit to drop this much over less than a year to the point where you go from being able to buy an automobile, to not even asking for a 3k loan even if you pay all your bills? Kind of feeling bummed out over the entire situation so any help/advice is welcome.