No idea if this is the right place to ask, but the british bank Lloyds has an offer where you switch to a “Club Lloyds” (I have a classic account with them) and you get 200£. It says you get the money after 3 direct debits? Not sure how that works.

Also I have a maintenance loan from Student Finance and I’m scared it’ll cause trouble if I have to change my bank account. (Iykyk SFE is a pain).

Has anyone done this and gotten the money? Just very confused since it’s my first time having a big girl bank account 😓

I have a BofA savings account, which I can't close because I live abroad. They want me to visit a branch, which won't happen for years, maybe decades. The BofA account has just over $500 in it, to meet minimum balance requirements. I don't have any use for the account, and I'd rather move the $500 to a brokerage account where it can earn money.

Question: can I effectively close the account, by just transferring out all of the funds? Or will they just charge me $8 a month, every month, for failing to meet the minimum balance, until my balance is an infinitely large negative number?

Posting for a friend…

Hi all, (sorry for the long post, really need advice...)

So, I was the victim of a $3000 email scam earlier this year (service request for which I was overpaid by check, and then asked to send some back, which I did, then the check bounced.) Citi was AWFUL about disputing the charges, horrrrrible customer service, wouldn't give me any answers and took months with the "investigation," and finally told me they couldn't do anything about it. I appealed the decision and reiterated it was a scam, to which they said "oh, we didn't write down anything about it being a scam, we'll appeal again," same result- they couldn't do anything.

They took forever telling me how I could even pay the overdrawn amount, closed my accounts, and eventually told me I had to pay in cash at a local branch. I received a letter saying "my account may have been referred to a collection agency," and "we may report this information to external specialty consumer reporting agencies, who share this information among member institutions to assess new account applications."

However, they also told me 1. I could keep appealing the decision indefinitely, 2. There are no late fees or interest on the amount, and the only thing that would be effected if I don't pay the overdrawn amount would be opening new accounts with them (which I don't want to do anyway) 3. It wouldn't effect my credit score.

It's been 6 months since my accounts were closed. No collections agency has contacted me. I was about to just pay it back, but it seems like nothing would happen if I don't...? Should I just pay the amount so my "credit-worthiness" isn't effected? Will it come back to bite me in 30 years if I try to open an account or take out a loan elsewhere? Why would I pay it back if I don't want to bank with Citi after this shitty experience anyway??

If you have any insight into this type of situation or what happens at the backend of overdrawn accounts, please let me know! Thanks for your time.

Hello, everybody! I just sold my car at CarMax, and they cut me a check right then and there pretty cool! It’s from Wells Fargo, and I have both Wells Fargo and Bank of America accounts. I usually don’t deposit much into WF and mainly use BofA. I’d like to use the money for a down payment on a new car. Would depositing it at WF result in a shorter hold time, or should I deposit it at BofA? Since the check is from WF, I figured that might be the better option. The check is for $11,200.

I see timbrfinancial is currently at 5.25% for their high yield savings account. Does anyone have experience with them are they legitimate?

I’m considering a career in finance (banking, asset management, private equity) and would love to hear from people working in these fields.

How do you find your job? Is it as dynamic and stimulating as it seems? What are the early career stages like, and how does the work evolve as you advance?

Is it a lot of math and analysis (i like it) and mostly about logical skills and reasoning or more about interpersonal/relational skills? Especially for asset management and private equity

Please tell me everything you know about those jobs in finance, this way i can understand better if it is a career that suits me.

I don’t know if this is the right place to ask but, I made a purchase through Buyee, but I noticed a duplicate charge that has been pending for over a week. When I contacted Buyee, they told me to reach out to PayPal. However, PayPal is taking a long time to review my case. I also spoke to my bank, but they advised me to wait until the pending charge either posts or drops off. I’m not sure if it will post. What should I do?

I was working with a B2B business who promised me that there will be no additional charge on the card unless I made the back the first payment to their business. The amount is 3750 US Dollars and the second additional charge on the card was the same.

I did it with a debit card as I don't yet have a credit card since I just moved here above a month ago.

Just wanted to ask about other people's experience with it!

Hi, like the title states is this possible? I want to stop transactions being made from Uber and Deliveroo. How do I do this

So, up until today I was a subscriber of youtube music premium which I canceled since I've spent a bit too much this week. And it was also due to end today on December, 1st, aka 12/1.

Then, I checked my bank account to see how much I have left since I have to buy bus tickets to get to college and I saw I was billed for youtube music premium yesterday on November 30 aka 11/30, which was due to end today and would be when I am usually billed.

I can also confirm that the benefits after canceling youtube music premium are no longer available and that it has expired by the time I am making this post.

Will I need to contact youtube to get a refund or press the dispute button to get my money back or will it get refunded automatically?

I don’t even know where to start…

In March I filed my tax return, nothing spectacular or so I thought, I had a PNC account at the time and forgot to change where I wanted my money to go, truly my mistake.

Fast forward to Thanksgiving, my money has FINALLY hit my PNC account. I had been depositing money because I needed the account to stay open for obvious reasons. Unbeknownst to me, PNC deactivated my account including my debit card for the account and I decided no problem I’ll transfer it to my CapitalOne account, right?

WRONG. PNC hits me with a random fee and now the money I intended to move is $5.00 short thanks to the fee. So I call PNC thinking they’ll just Vance the transfer so I can correct it.

Again WRONG. PNC notified me that I’ll have to wait for the transfer to decline (which will be 5 days from now despite sending the transfer on Friday) and then have to transfer again.

I know it’s a first worst problem, but a bitch is broke and this is just ANOTHER reason why I was so upset when PNC bought out BBVA.

So frustrating.

PayPal has 4.10% apy but I know this app has a big history of getting accounts hacked and scammed and money taken or stolen so not sure if it’s safe or if you would personally use this app ?

Is it just me or is plaid a complete nightmare to work with? Like I hate having to sign in with my number every time and sometimes it refreshes so you have to do the whole process over again. I also heard it isn't trust worthy because it stores your bank???

For the last few years, I usually use mobile deposit with my checks and they clear the next day. The last 3 checks I’ve deposited have each been held for 7 days. I get a letter a few days after each deposit saying that my funds are being held because the bank has reason to believe the check will not be paid. Does this mean my boss is bouncing checks?

So im 18 and my mom whos on drugs stole my pell grant refund and put it into a custodian account that i dont have access to. Is this legal? I dont live with her and fully support myself. I need that money to pay rent, eat, get to school, etc. I was 18 at the time i got the check as well, if that makes any difference.

Hi everyone,

I recently made an international bank transfer, but the recipient realized 5 days after sending it that the SWIFT/BIC code he provided belongs to a different bank in the same country (Egypt) than the one associated with the recipient’s IBAN. The IBAN itself is correct, but I’m worried about what might happen to the payment. 😬

• Will the transfer still go through because the IBAN is correct?

• Could the funds get delayed or returned to my account?

• Has anyone else experienced this, and how did it turn out for you?

I’d appreciate any insights or advice on what to expect or what steps I should take next. Thanks in advance! 🙏

So my dad & step mom kept getting fraudulent charges on their bank acct. Like I’ve never seen anyone struggle like they do with so many fraudulent charges! I’ve told them they need to change banks & after this they absolutely need to!! My step mom has had her debt card suspended before for 6 months due to fraudulent charges & now once again it’s suspended when she literally just got it back!! Like how do these charges keep happening?!? Well my dad had some kind of call or something that sounded off & like it was a scam & for some reason he called the bank just to give a heads up that if anything fishy happened with this person or company that it’s fraudulent. I’m not sure why he did that bc he didn’t give out any banking information or card info. Well the bank decided to cancel his card & suspend it for 6 months as well!! Now they don’t have any debt card to use at all! Do u realize how hard it is to get by with no debt card? It’s nearly impossible. I’ve never heard of a bank suspending a debt card ever in my life! They’re in their 70’s & hardly use their debt cards to buy anything online. Maybe off of Amazon & that’s it. I’m the opposite & use mine for everything online! Amazon, Walmart, TikTok shop, Chewy’s, & many more. I never have fraudulent charges tho! They really need to switch banks!

Any one else waiting on a deposit still? Ssa website said we should have got paid on the 29 and I’m still waiting with nothing.

My wife and I just got married and when I went to deposit a bunch of cash and checks that we received at my bank’s ATM (Wells Fargo) I accidentally deposited a $500 check made out to her. She hasn’t changed her name yet so I doubt it will go through. It is currently listed as pending. What should I do?

The banking app is saying “Funds on hold” and it’s saying December 2nd (Tommorow) on the transaction.

I need to pay a certain amount to my broker, but I’m unsure if he’ll provide a proper invoice afterward. If he doesn’t provide one, I’d like to reverse the payment.

Would it be possible to pay him using a credit card and then dispute or reverse the payment if he fails to provide me with an invoice? I’d appreciate any advice or insights from those with experience in similar situations.

So I have a bit of an issue, I'm currently broke right now and just received my latest pay check, however it wont let me log into my pnc banking mobile app because I need a passcode from a text message, and I cant get a text message because I need the money from the check to pay off my phone bill. However I can still access the PNC website, but I dont see any options for depositing a check. Tried googling it as well but couldnt find anything either. Any help would be appreciated.

Connected my number and my bank account obviously. The link just resets and comes back to square one. I just want my rent money can someone please help me.

The texts are all there with the link but it doesn’t work

Can I do two direct deposits from work, get the $300 bonus, and then transfer all my money out and close the account right after?

Also, does it affect my credit if I close a checking account?

I have a HYSA with CO, but I want to keep my credit union checking and don’t really want to keep the CO checking after I get the bonus. There are literally 0 CO branches in my region.

I just received a provisionary credit for half of the amount I was actually disputing for and I've never known that to be the case before. I can't see an option online to view the actual amount being disputed and the claims department is closed until Monday so I was just wondering if anyone mistake was somehow made in the filing process

What banks would you suggest for a checking account, and also best type of account for saving for the future?

Our work has a credit union - so not sure if we should do that for checking but look elsewhere for the best type of high yield savings account

Sorry for all the questions. Has anyone received a wire transfer before? I think the holiday on Thursday and the limited hours at my credit union are delaying the process. I thought wire transfers took 24 hours, but I've heard it can sometimes take 2 to 7 business days. I've contacted my bank on Friday and they stated they have to do all wires manually. - please be kind with your answers.

So I got a card and want to buy stuff online but I don't trust to put my card details on every website I purchase.That is I don't which payment app should i choose.I have heard of Paypal,Google Pay and also Klarna.What should i do?

My father in law called a bank where him and mother in law have an account. He told them he needed access to his account and gave his first name and last name. My husband and I also have an account at the same bank. My husband and FIL share the same first and last name (not middle).

When FIL was given access to his accounts he changed all of our account information to his information accidentally - email, phone number etc. These accounts were initially in MIL’s email and he was changing to his.

Upon logging into the account, he realized one of the accounts was not his. It was one of our savings accounts and we received an email saying our email address on the account was changed to FIL’s email which we know is his.

We called the bank to see what happened and they would tell us nothing other than a specialist would be calling us next week.

We know we had a huge breach from the bank and they did not verify SSN, DOB, or anything identifying besides name. This is honestly terrifying that someone could access our account so easily.

What recourse do we have against the bank for this breach and what steps should/can we take? While we don’t believe he would be doing anything malicious we don’t want anyone being able to access our account so easily in the future.

What should we ask the bank when they call us this week? Obviously we are planning on moving our money out of this bank soon. This is not a tiny bank, this is a well known online bank. Speaking in person at a branch is not an option.

Do we have a right to the recording of how this happened? Any help is appreciated!

Background on myself: I’m about to graduate with a bachelors in business administration and have internships in accounting and economic research, I also have a heavy focus on economics in my course load. I’ve worked customer service jobs before as well so I have experience dealing with people. I’m very interested in banking and want to get started in the field but don’t know if I should just aim to start as a teller and work my way up or if there are other roles that would be a better fit.

Any advice would be greatly appreciated and I’m happy to provide any other information, thanks!

Edit: Rotational programs seem interesting as well, are these generally more or less competitive than traditional roles?