r/Banking

So I currently bank with my hometowns small local bank. They've been great, I haven't really had any issues with them. The only thing that has really been bothering me is that their app really sucks, sometimes it doesn't want to log me in, or it's just slow. They also don't have any physical locations outside of Iowa, and I plan on moving out of state soon.

I currently have a capital one credit card, and a HYSA with SoFi so I've thought about them, but I was wondering if anyone had any suggestions on banks with good checking accounts, good apps, and that are easy to work with.

Hi all, looking for advice on a weird situation.

I noticed a deposit in my TD chequing account that I didn't recognize, so I called TD. They told me it was a cheque deposited in person at a branch, made out to my full name, going into my account.

The cheque is from a business I've never had any dealings with. I've never worked for them, bought anything from them, or had any connection to them at all.

TD says the funds aren't on hold and the full amount is available to me. I know that doesn't mean the cheque has fully cleared or can't be reversed later, so I haven't touched the money.

So far:
• Called TD and confirmed it was a branch cheque deposit
• Haven't spent any of it
• No one has contacted me about it (yet)
My questions:
1. Has anyone had this happen? Did it turn out to be a scam (fake cheque, then someone asks for money back) or a genuine mistake?
2. Should I ask TD to reverse it myself, or wait and see?
3. How would someone have gotten my name and account number, and should I be worried about identity theft?

Any advice is appreciated. Thanks!

I'm genuinely at a loss here and could really use some advice, especially from anyone who has dealt with US banks while living overseas.

For context, I'm an international seasonal worker who traveled to the US legally for temporary employment. While I was there, I opened a checking account with a US bank to receive my wages.

Before opening the account, I specifically explained to the bank employee that I wasn't a permanent US resident and would eventually be returning to my home country.

I asked whether I would still be able to use my debit card, access my account, and transfer my money internationally after returning home.

The employee assured me that I could. He even mentioned making some sort of adjustment to my account to prevent transactions from being flagged simply because I was using the card outside the US.

Fast-forward to when I returned home, and things have been an absolute headache.

Shortly after returning, I attempted to withdraw money from an ATM. The withdrawal was declined, and my account was subsequently flagged.

I then started having issues accessing the bank's website. I kept getting security errors that prevented me from logging in, even after trying different devices and browsers. I wasn't using a VPN or anything unusual.

When I contacted support, they told me they couldn't verify my identity over the phone and instructed me to use their website instead.

The same website I couldn't access.

I've spent a ridiculous amount of time calling and emailing support, explaining the same situation repeatedly, only to keep getting redirected between departments or told to visit a branch in person.

The problem is that I no longer live in the United States. Flying internationally just to visit a bank branch would be completely unreasonable, especially considering the amount of money involved.

I've since managed to regain access to online banking, but I'm still unsure whether my debit card can make international ATM withdrawals without triggering another security restriction.

At this point, I just want to transfer some of my own money from my US checking account to my local bank account because the banking service its currently on obviously suck.

The bank has told me that transfers to services like Cash App may be possible, but those services often have US residency requirements, so that doesn't necessarily solve anything.

I've also been told that international wire transfers require an in-person visit, which defeats the purpose for someone who's already returned overseas.

What's particularly frustrating is that the bank knew from the beginning that I was a temporary international worker and assured me that I could continue using and transferring my money after returning home.

I'm not asking them to bypass security or ignore identity verification requirements. I'm perfectly willing to verify my identity through a legitimate process which I have been doing for about 27-30 days now with no true help until 2 days ago and I have provided all the necessary information on all occasion.

I just want a reasonable way to access and transfer money that I legally earned.

I've contacted the original employee who helped me open the account and submitted a detailed written request through the bank's secure messaging system. I'm currently waiting for a response but I'm unsure if he can help with this matter.

My questions are:

1. Has anyone dealt with a similar situation involving a US bank while living abroad?
2. Are there legitimate money transfer services that allow non-US residents to fund transfers from an existing US checking account to a foreign bank?
3. Is there a way to request remote identity verification or an exception to an in-person international wire policy? (I'm currently waiting on their online service to respond to me since every occasion I tried to get assistance they keep telling me to use the website which for some reason had my Ip blocked until yesterday.
4. Would filing a complaint with the CFPB or a state banking regulator actually help in this situation?
5. If the bank continues refusing practical access to my money, how should I go about it?

I understand banks have fraud-prevention procedures, but it's incredibly frustrating having to jump through so many hoops just to access my own wages.

Any advice from people who've dealt with international banking, US bank regulations, or similar situations would be greatly appreciated.

TL; DR: I worked temporarily in the US, opened a bank account after being assured I could use it internationally, returned home, and had my ATM withdrawal declined and account flagged. I experienced website access issues and repeated verification problems. I can now access online banking, but transferring $500–$1,000 to my home country's bank is still proving difficult. Looking for legitimate remote transfer options or advice on how to resolve this issue.

Okay so I recently fell for a fake check scam. On 10/8 I deposited a fake check to my bank account at 5pm after doing some research bc I had a bad gut feeling I realized this was a scam. I called my banks (bofa) general customer service line, they said to leave it and it will bounce automatically. I felt uncomfortable just leaving it so after a few hours of thinking at 10pm I called Bank of America’s fraud line. They saw the check processing and told me they’ll put a note saying I was unaware that this was a fraudulent check, I was worried that my account might close and the employee told me that she doesn’t know what might happen since it was my responsibility to know who I was doing business with. After that conversation I was losing my mind and so anxious. I was researching people who were in similar situations as me and some of them got their accs closed while some did not. The next morning 10/9 the check deposited but I know abt the law stating that banks have to have checks deposited but it will bounce later, but I know for a fact that the check is fake. I called the fraud line again and this time they transferred me over to the check fraud team. I explained to the employee what happened and he saw that I did have a note on my account regarding that check. I told him about my concerns about my account closing bc it is my only account and I have all my subscriptions, paychecks, etc linked to it. He put an additional note on and reassured me that if this does reach risk that they’ll see the scam tracker and note and I’ll be covered there. He told me that I don’t have to do anything and the check will bounce on its own in 3-5 business days. I feel kinda reassured but there is some worry, is my account going to be okay? Will my account freeze?

What's people's experience with Openbank? I'm looking for a good reputable HYSA with no fees. Suggestions welcome.

just need to vent because my brain is literally melting after dealing with my bank's compliance department for the last 48 hours

Im trying to move a large sum of money for a house down payment. A decent chunk of my liquid net worth is in digital assets right now, so I liquidated a portion to cover the closing costs. The exchange sent the wire to my primary checking account. Immediately frozen

I called the 800 number, they transferred me to the fraud dept, who then told me I HAD to go into a physical branch. I took time off work, went in, brought my ID, and explained exactly where the money came from. The branch manager just gave me this blank stare like I was speaking martian. he basically told me "back office has to review the origin of funds" and refused to give me any sort of timeline.

Its honestly infuriating how hostile legacy banks are to anything that isn't a standard bi-weekly w2 direct deposit. My digital portfolio is already structured through dag so all the tax and entity stuff is 100% strictly documented and compliant, but the second the fiat actually touches a traditional banking institution, they treat you like some kind of international cartel boss

has anyone else dealt with a full account freeze like this recently? How long does the mysterious "back office" usually take to clear a standard wire from a regulated US exchange? kinda terrified im gonna lose my earnest money on this house because some 1980s banking algorithm got spooked.

Hello everyone,

I’m looking for some advice or to hear from anyone who has gone through a debit card dispute for an auto-renewed monthly subscription.

Here is the situation:
-Signed up for a 7-day trial on September 24th.

-Today, October 1st, got hit with a $500+ charge for a monthly subscription.

-Canceled immediately on the exact same day the charge hit and reached out to their support chat asking for a refund.

-Support refused to refund and offered me service credit, I explicitly told them I hadn't used the service during the billing period, wasn't going to use it, and didn't receive any pre-billing reminder.

So I went back and checked my onboarding emails:

-The welcome email I received on Day 1 was purely marketing copy. It completely omitted mandatory billing terms (didn't list the $500+ charge amount, the renewal date, or clear cancellation steps).

-I never received any pre-billing reminder before they charged my card.

I’m now preparing to file a formal dispute through my bank under Visa compliance rules for subscription merchants (Visa Reason Code 13.5 - Misrepresentation / Non-Compliant Recurring Transaction).

I’m attaching:
-The original Sept 24th sign-up receipt.
-The welcome email showing the missing financial terms.
-My support chat transcript (showing same-day cancellation, refund request, and zero usage statement, and then ignoring to respond to my request.
-A screenshot of my email search proving no pre-billing reminder was sent.

A few questions for anyone with experience:

Has anyone successfully disputed a high-dollar monthly subscription charge like this?

Is there anything specific I should make sure to include or emphasize to my bank’s dispute department?

Thank you guys in advance for the advice, hoping to succeed as it was not fun waking up this morning to this charge 😂.

So the police believe that a skimmer got ahold of copies of all my cards. All my other financial institutions fixed my account issues me cards an it’s like it never happened all but Chime my primary bank for the last 9-10 yrs.chime first flagged it as a duplicate transaction and that’s been the whole issue. So chime says no transactions error occurred, denied. But you think an agent can be bothered to just look at everything and help me no. ….. No well if u have new proof then we will reopen the claim. After 6 denials I find out that if u submit duplicate info at any time its insta denial. Not to mention at some point they messed up an put someone else’s personal information in my claim documents an “cant’ remove or restart the process over so now I’m lost at what I can even do … can anyone offer guidance?

I was depositing about 50 bucks into my bank account when some dude walked over to me. He seemed pretty anxious and was begging me to cash in his check for him, and that he lost his card or something.

I said sure whatever, he hands me a check of almost a grand which I put in my atm. He says I can keep 100 for being so nice to him. Now we’re trying to take it out in cash, it doesn’t work. So he takes about 150 dollars (the max amount it lets him take) and says I can send him the rest on Interac. He gives me his email in a rush then says his Uber’s here and runs off into a car.

Now I’m trying to send this money back to him and my bank says it’ll take 5-8 business days to process the check so the moneys frozen. I’m not sure if I can take what’s mine in cash either, and now I’m thinking I fell for some scam and cashed in a fake check by accident.

My fault for trying to be helpful I guess, but what do I do now?

hello, guys! i was planning on closing my current bank account and switching to a different one. Is capital one a good bank to bank with? pros and cons?

I got this offer after I closed my account months ago. I honestly only opened it for the new bonus. Is this worth me doing to get a 40 dollar gift card? Or am I going to get the run around? UPDATE IT SAYS QUOTA FULL SO I GOT NOTHING I GUESS I TOOK TO LONG

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