Gm all,

So i woke up this morning and i’m having some worries that I may have pending transactions that will cause an overdraft fee in my account

Here is what i am seeing currently:

Balance: 797.68

Nov 7th Posted balance: 289

Nov 8th transactions

Direct deposit: +1722.11 Cash deposit : +185 Paypal : -70 Zelle payment: -600

Nov 8th posted Balance : 797.68

I saw pending transactions for “11/12/2024” That equal up to (-729.35)

Does this mean these pending transaction is reflected in my current balance ? Or should i expect my balance to be $67 on the 12th?

Thanks for help.!

Can you request for an update of transactions in your bank book but don’t show the latest transactions?

Hey all! Real quick, I was just wondering if there is a way I could send money instantly using my account and routing numbers on the weekend? I was in an accident and unfortunately need to take money from my Savings Account. Zelle is unfortunately not offered.

I had my first work meeting at the credit union. We have them every Tuesday one hour before we open. It was pretty cool because I always wanted to be part of a board meeting in the conference room feel important even though I’m in entry level job. Anyways are CEO gave me and every employee a list of questions to answer. I really don’t have to answer all or any since I’m a newbie. I did end up answering some of the questions but some are honestly hard. Even my head teller manager was saying it was kinda hard.

I’m hoping I can ask any one here at their place of work and see maybe if I can share ideas at my workplace. I really enjoy the culture and the positive work environment so far in my first week,thank you in advance. Here are the questions.

1- What do you think our long-term vision or strategies at the credit union should be?

2-What do you think we do poorly when it comes to serving our members? How do we think we could improve members satisfaction, and engagement?

3-what is the one thing that you think our members want/need?

Hello friends!

I’m originally from Tajikistan (Russian Citizenship) and I’m considering applying for a Relationship Banker position at Bank of America here in the U.S. I have 9 months of experience as a teller and 15 months of experience as a relationship banker back home.

Since moving to the US, I also worked as a foreman mover for 1.5 years (because I was waiting to get my work permit). Just like relationship banking being a foreman is all about sales but I'm not sure if including it will hurt or improve my chances of getting hired. And if I don't include it I feel like a blank 1.5 years don't look great on a resume.

I’ve also read that a business degree might be required for this role here in the US. Does anyone know if prior banking experience (specifically as a relationship banker) is enough, or would a degree be absolutely necessary?

Additionally, I’m wondering what skills or accomplishments I should highlight on my resume to make myself stand out. Do they place a lot of emphasis on sales numbers or other metrics? If so, what’s the best way to present this kind of information to give them what they’re looking for?

Lastly, I speak fluent English (almost as if it's my first language), so language barriers is not an issue.

Any advice or insights would be greatly appreciated! Thank you!

I recently inherited a decent sum of money and am looking for a bank to move it to. My current credit union can’t even function after a software conversion and my whole family is switching. I tried USAA, but it’s taking WEEKS of paperwork and bs that has to be “wet signed” and then will take weeks to process to even get approved to put funds in the account and it’s almost impossible to get in touch with a human (the chat option on their app is not popping up and they won’t give me an email to contact). I’m completely fed up! I just want to know I can securely access my money whenever I need it. While researching a way to get in touch, my first result was Reddit articles discussing how horrible they’ve become.

Does anyone have recommendations of a national banking service whose customer service hasn’t gone to complete shit?

The deceased had roughly $100,000 in bank accounts, no debts, and the estate has few expenses. The money will have to be held by the estate many months before distribution to heirs, per state law.

It seems a shame to take the funds out of the deceased’s HYSA to sit in a checking account making little or no interest. Can an estate open a HYSA, or any sort of insured account, that will make decent interest? (Two major HYSA banks have told me by phone that they cannot open an account for an estate.)

Ideally, the estate would have a local checking account for paying expenses, a HYSA for funds that are just sitting and waiting, and the ability to transfer between them. Is this possible in the US?

I'm considering putting some savings into bank Fixed Deposits (FDs) for the safety and steady returns they offer. However, I've noticed the interest rates aren't super impressive lately, especially when compared to inflation. So I’m wondering if there are better alternatives for generating good returns without taking on too much risk.

For those who've been investing for a while, do you think bank FDs are still a good choice? Or should I be looking into other options, like mutual funds, bonds, or even stocks? Ideally, I'd like something with a balance of decent returns and relative stability. Any insights on what’s been working for you?

I am wanting to start a business and own the land where I want to build, but I just quit my job. I was working 24/7 and really didn’t have time but if I’m gonna kill myself working, I want it to be for my own business. I thought I had a plan where I could use my land to get the loan but a friend just told me they will never give me alone being unemployed. Is that true?

Hi all,

On Friday, I noticed a fraudulent transaction on my account of $9583 from Discover E payment. My account only had $500 and it was showing a negative balance and pending. I immediately called Santander to inform, and they said they will try to put a stop and secure the account but if it doesn’t happen, then I’ll need to file a claim which I did.

I’m really scared about what’s going to happen, they said it will take 90 days to get a resolution. I’m at my wits end, how does this affect my credit score???

I’m in the U.S. Please help.

So, I've been looking at certificates of deposit. I've been using Raisin app, and I noticed that some of the CDs have a little qualifier called a callable certificate of deposit. I looked it up, and apparently it's a term that allows the bank to basically cancel your certificate of deposit at any time. You will still get your money for the amount of time they had your cash, but they don't have to honor the full term.

What I want to know is, why would anyone want to sign up for a callable certificate of deposit? As far as I know, the whole appeal of a CD over a high-yield savings account, is that you get a higher rate locked in for a certain amount of time. True, you can't touch the money for that time, but if you're not using it anyway that's not a big deal.

I guess my question is, what's to keep the bank from just canceling CDs left and right as soon as the APY drops? Is there any benefits to us the consumer?

I bank with m&t and recently I realized that it never shows the accurate amount in my checking account. For some reason in the middle of the night the amount spikes up and then by the morning time it drops dramatically. I do use the account a lot everyday but I keep track of everything and money always gets taken out instantly whether I use my card or buy something online. Wondering if anyone else has dealt with this with their banking app and if its normal or not.

I don't get why the banks chose to go with a company that makes you wait one to three business days to send money half the time even though they claim their instant. Then if you stop a payment you also have to wait two to three business days.

They'll randomly cancel your ability to use zelle at any time and you have to call them to have someone unlock your account even though it will probably only last a few more transactions before it self locks again.

I've probably used zelle to send money 30 times and have had to call zelle like eight times and spend an hour on the phone just to get told in most cases there's nothing they can do and I need to wait.

Hello, I am trying to find a new bank to use. I have a ton of issues with citizens bank and was looking for a bank that has a 0 maintenance fee but also has a solid savings account. Prefer a physical location that has a ton of branches. LMK your thoughts!

I gave AST YES message to ICICI bank yesterday. I want to know how long does it valid for the service. Do they have access until I give a stop note? Kindly help.

So I’m about to give an advance to my bank so I can withdraw close to 30k but my question is why is it so difficult to withdraw money from banks . Do they just not have the cash handy ?

This is about a foreign (European) bank, but I'd still like some input.

I live in Canada, can't travel, and have a frozen account abroad. I was added as a co-beneficiary by my father, when I was a child (a few decades ago). Because of the inactivity, the bank froze the account. Now they're sending me this 3-page long list of documents they want, to give us access to the account, on the basis of them having "missing information" about us, and wanting to prevent money laundering, fraud, etc.

I've calculated the cost of obtaining the (apostilled/authenticated) documents they want and it's actually more than $1,000... I'm finding that excessive, especially for the purpose of accessing our own account.

What's more, the branch doesn't answer their phone, won't tell me who the branch manager is (employees all hide behind the bank's name) and is extremely slow in addressing my replies. I feel like they're doing everything to prevent us from withdrawing the money and closing the account, which they know is what we want to do.

My question is really just... what in the world? How can they even do this? The bank is one of the biggest in that country. I've got the ombudsman involved, but they're not ombudsman-ing at all. I've also sent a complaint to the top bank of the country and haven't heard back for almost 2 months.

Front Office Transaction Banking roles at the top banks - JP Morgan, Citi, Deutsche, HSBC, StanC, BofA, SG are counted as elite as the Investment Banking roles?

Is it better to stick to such a role given the immense brand value, instead of trying to move to say, a mid-market IB.

Though I'd make slightly more in a mid-market IB for the time being, I'm not sure long term it'll be a better move. The transaction banking role pays well, but bonus potential is nowhere close to IB

My dad passed away last year and left all kinds of accounts that I am still sifting through. I recently discovered one of them was a checking account at a local credit union. I stopped by and spoke to a manager, showed them the death certificate, and asked if it would be worthwhile to come back with my mom as I suspected she was listed as beneficiary/POD. They looked into the account and said yes, that would be a good idea.

So a couple weeks went by, and I called back to make an appointment and spoke to the same person. She told me that there were no longer any funds available in the checking account because my dad also had a personal line of credit with them that had gone into default since he passed away and was no longer making payments, and when I reported his death, they cleaned out the checking account to settle the debt.

Is this legal? In concept, I understand it is fair, but I was under the impression from speaking to a probate attorney that debts cannot be settled this way. However, I don’t know if it is actually allowed when the assets and debt are held at the same institution. It’s not a huge amount of money, so I’m not terribly concerned, but i’m wondering if they overstepped.

Backstory: I know this is labeled as "advice," but I'm really hoping someone with experience, especially from a banking perspective, can help. My card got locked due to a fraud flag (or something similar), and I had to go into the branch to get it sorted out. Normally, I withdraw the same amount every month on payday, but this time my transaction was flagged, and my account got locked.

When I went into the nearest branch for help, I got really vague responses. One banker told me, "It just happens; I don’t know," which wasn’t exactly reassuring, especially on payday. I feel like I’m missing something here. Should I ask an IT professional at the bank for more clarification, or can someone explain why my account was randomly flagged as fraud?

I recently heard from an environmental activist that moving your money to a bank that doesn’t invest in fossil fuel would have more impact than all the recycling you can diligently do in your lifetime. Which makes a lot of sense so I started looking for such banks in the US and the options aren’t clear. Perhaps some small banks could claim that benefit but often they’ve been acquired by the big culprits so it defeats the purpose. Wondering about online only banks too.. Any nature loving insights into the banking industry? Thank you!

I currently have discover, and although I’m happy with them, I’m just wondering if there is something better out there.

Hello!

I updated my new married name of my bank account and had to update my wire transfer info for a business I 1099 for. I think they probably sent the transfer 1-2 days ago and didn't receive anything yet.

I realized my name on the billing info is just my first and last, but my name on my bank account has my middle initial.

Is that enough to cause an issue with the transfer going through? All account and routing #s etc are correct and my first and last name is correct, but it's not an exact match due to missing initial.

Is there anyone from HDFC who can tell me what the snorkel ID in hdfc current account? Any help will be appreciated

Just got an email with two kind of interesting announcements.

The first is that, as of yesterday, my Amex rewards checking account now features zelle which is a bit surprising to me because I didn't think Amex would get it but they did. I don't really use zElle but it's interesting they have it now because I thought they were going to stick with their proprietary send and split thing.

It's almost like they're moving out of beta test mode into being a real deposit account bank!

Second is the rather perplexing announcement that, starting in mid-December, internal transfers between the checking account and the high yield savings account will not be able to happen from 9:30 p.m. to 1:00 a.m. Eastern Time. It's such a limitation that they're actually writing it into their amended deposit account agreement for the foreseeable future. I don't know of any other bank that has this limitation.. maybe the folks here can explain why Amex is implementing it. . .

Anyway, I don't really use Amex as my main bank accounts but it's interesting to see these changes. Thought they were notable. I have the three different accounts that can be had and occasionally I use the business checking to cash out rewards at one CPP from my business platinum card but for the most part I just keep 10 bucks in each one to keep them alive for possible future use.

My partner and I are looking to open a joint account with one another to help streamline paying our mortgage/bills. I've been satisfied banking with TD Bank since I was in high school, but now that we're looking to open an account together, I want to make sure we're choosing the best option moving forward. We've been looking almost exclusively at checking and savings accounts, but we'd love to know if there are any others we should be considering.

We're looking for an account with:

- Good online banking with direct deposit

- No overdraft fees/overdraft protection

- No minimum balance requirement

We'd prefer an account with:

- Brick & mortar locations (located in PA)

- Limited/no annual/monthly maintenance fees

- High interest earnings

After going through sites like NerdWallet and Bankrate, as well as researching local institutions, I've looked into accounts with Discover, Chase, PNC, Capital One, SoFi, Alliant Credit Union, Fulton, and M&T. All of these have their pros and cons, but wanted to hear other's opinions on these, or any other institutions/account options I may have overlooked.

Hi all,

Hoping for a quick answer to this question. I'm in NYS. My child's grandfather recently passed away and was custodian of the UTMA account that he established for her. What do we need to do for either myself or my wife to become the new guardian? I have been told by some sources that it requires a court order from the probate court, but a couple of places (including this document from Fidelity) suggests that we only need proof of being her legal guardian.

Thank you!

Hi, I am planning to open a new current account for my firm and I am confused about should i open the current in the same bank and branch where I have my savings account or I can open in any other bank and it won’t make a difference. Please suggest.

What are some innovative features and products that have made it easier to serve customers or will enhance customer service in banking?