Hey just asking because I don't believe him when he said that the bank requires him to approve first if he needs to install social media. Delete social media ( as per his contract)but he have Reddit because it does not included where the IT monitors .Is there really a job like this ? Like too confidential ? Or he's just lying to me ?
I was offered a job as a credit analyst role at a bank and in going through the offer info, I learned they will run a credit check. Offer can be rescinded based in results.
I pulled my credit and score is around 620. No bankruptcy, liens, or judgments. However, I have one medical collection around $1,000 that I didn't know about. I’m paying it tomorrow, plus I have some 60 day past late payments on my auto loan.
Has anyone been hired by a bank with similar credit issues? Did they ask for an explanation, or was it an automatic disqualifier?
I know Google says that ACH deposits do not EVER post/show up in bank accounts on weekend days (so Saturday & Sunday) since the Federal Reserve is only open M-F… but is that truly 100% accurate? Asking because.. well foolish hope for one lol but also I could SWEAR that a reimbursement from my job has shown up in my account on a weekend day before, and those are ACH deposits.. I’m currently waiting on one now and I could RRRREEEEEAAAAALLLLYYYYY use it today so. Like i said, foolish hope 🤣😭🤷♀️
(if it makes any difference my bank is one of those “get paid up to 2 days early” ones, and it’s my understanding that they do that by going ahead and immediately releasing direct deposits into accounts instead of waiting the customary period of time for them to clear the depositor’s bank. My check only shows up a day early but that’s just down to when they send the actual deposit info through, I assume.)
Anyway.. I probably deserve to be ribbed for this post and that’s fine but PLEASE do not be mean to me, this has been the worst weekend i’ve had in a hot minute. :(
I've had friends get these offers from different banks, its that thing where you send an invite to another person, then that person has to make an account, make like one or 2 transactions and only after that do you both receive a certain sum of money. Revolut, for example, is emailing me about this even now, same ol' "You have 7 days until the offer ends" but its been like this for years now.
My brother told me to not do it and some more people have told me that once you open the account its very hard to close it, in the scenario I was only opening it to get the offer money.
But are there any benefits to having 2 bank accounts?
Tell me why if you spend more than $30 on anything Salem five restricts your card as if you just illegally bought 5 exotic pets and a yacht. The customer service sucks as well because you have to talk to a robot first and the robot lady is like “sorry I cannot help you, contact customer service”. I’m sorry is this some alternate dimension where I didn’t search up Salem five customer service phone number and this wasn’t the correct number.
Hi all,
So I used Rocket Money and it let me know that I have a $100 payment due soon and I was shocked, I looked into it and well, it's a recurring payment from using my US bank personal checking account to pay my Bank of America credit card. The past 3 months, from April to June, I have been paying through BoA online $100 for my credit card bill. But at the end of June, I did have a relative help me pay my full credit card bill, so I have a clean slate, and I owe nothing, nothing is due.
So I don't need to pay the $100 charge, I don't want my money to go to waste. I did follow instructions on US bank to stop payments with ACH and paid the $35 fee, but would it actually work?!
Do I need to call both banks to make sure things really get canceled?!
Also, how can I avoid ACH when I make a payment online through BoA for the future?!
Thank you!
Hello, my mother is in a deadlock trying to figure out why she can't use her checks. Her credit union changed her account number and issued new checks. They were denied when she would try to use them. After the problem continued, the credit union tried closing that account and opening a new one, and these checks are also being denied. The credit union claims this is the first time this has happened which I do find hard to believe. They aren't offering any other solutions and my mother's been unable to get through to the services that clear the checks at the businesses she goes to to find out any other info.
Could anyone help us figure out what might be happening here, and what kind of solutions there are?
edit: thanks so much for all of your replies! I had to step out for a work call right after I posted so my apologies for my delayed responses. Working on them now!
I’m looking for advice from people who have successfully rebuilt banking relationships after making serious financial mistakes in the past.
A few years ago, I overdrew and ultimately lost relationships with several banks. One account at Wells Fargo ended up around $400 negative after a payment went through that I never covered. I also had much larger negative balances with Capital One and Bank of America business accounts due to poor decisions I made at that point in my life.
I’m not here to argue about whether what I did was wrong—I already know it was, and I take full responsibility for it. I’ve completely changed the way I handle my finances, and I’m simply trying to move forward.
Right now, my only checking account is with Navy Federal, and I’ve been managing it responsibly. I have no intention of repeating the mistakes I made before. My goal is to build a solid banking history again.
Eventually, I’d really like to have my primary checking account with Chase or Bank of America, but because of my past banking history, opening new accounts has been difficult.
My question is: what can I realistically do to improve my chances of rebuilding these relationships?
Is it worth contacting the banks directly?
Can I offer to repay old balances even if the accounts have long been closed?
Are goodwill letters or reconsideration requests ever successful?
Is this simply something that takes several years of responsible banking before trying again?
I’m looking for practical advice from anyone who has been through something similar or who works in banking. Please keep the comments constructive—I’m not looking to be judged for decisions I’ve already taken responsibility for. I’m just trying to figure out the best path forward and rebuild my financial life the right way.
Happy 4th! I'm looking for feedback from anyone who currently uses Chase for both business and personal banking. I'm hesitant because I've heard stories about accounts being locked or closed by their trigger-finger algorithms, but I also wonder whether those people were actually in the wrong and were blaming Chase Bank. I currently have a business checking account and a total checking account (newly opened). I haven't fully moved my personal banking over yet, as I'm not certain I should.
For reference, I'm a consultant, so I receive commissions from my partner for our services. I take a draw from the business to my personal checking for living expenses, and the rest stays in the business. Aside from setting aside tax payments and paying my AMEX & Capital One business cards, I don't do any other transactions; no employees, no payroll, no wires, so it's pretty straightforward. On the personal side, I pay my rent, car payment, and credit cards from the account; nothing crazy there either. I don't have a Chase credit card because I'm in the AMEX ecosystem and don't really need one. I feel like my banking habits are quite vanilla and safe. I do have an HYSA with money set aside for emergencies should something ever happen.
Does anyone have any positive/negative feedback on making them a one-stop shop?
Hello Just recently I had disputed a claim and of 250 dollars, I had called the merchant and they didn't help me and kept hanging up, this led to me calling bank of America and I had submitted my claim before but I wanted to modify it because I had even more receipts and proof that the merchant has incorrectly charged me 200 dollars extra. I then called bofa to modify and give all the recipts and story but for some reason my updated/ modified claim was cancelled?
Created a new community for PNC Bank. Feel free to share your love, hate, frustration, good & bad. Lets make PNC grow online on Reddit 🙂
So as the title says The stupid SCA shit thats been rolling out over the past couple years is complete and utter horse shit. For background im with TSB(i know shit) went to purchase meccha chameleon on steam £5.29 and it tells me i need to apporove the payment to which i do then steam tells me its been declined i do ot another 4 times and eaxh time it fails whats the point i making me verify if my bank is just going to decline it so i phone up and they tell me my card has been blocked due to suspisious activity. Ive been buying shit on steam for 5 years and had to approve stuff recently which worked how in any world is it suspiscious had to used my fucking amex to buy a £5 game man TSB get a grip not the fiest time this has happened either.
I just closed my mom’s estate through probate. I owe my brother $33K from that estate. He has made my life hell during the two-year process through bullying, name calling, threats, etc. He has also spent his life dodging income tax payments and child support.
When he gets his check for the $33K, he will sign it over to his girlfriend (he doesn’t have a bank account), for the reasons stated above. HOW CAN I PREVENT THIS FROM HAPPENING?
Like all law abiding, tax paying citizens who take care of their children and financial obligations, he should not be able to slip through the cracks once again. Yes, it’s petty and I don’t care.
SBIMOPS
I’m stuck and I’m not able to figure out how to pay it via rtgs/neft
Will be attaching a photo on the comment since this doesn’t allow
End of April I lost my wallet on a golf course, I cancelled the card. 2 weeks later it finally shut down while i was purchasing Chinese food and i went in person to get a new card since the TD Bank app and phone calls were doing nothing. While waiting for the new card I went to Florida for another 2 weeks to end may. Meaning for the entirety of may I did not have my debit card.
When I returned there was a $30 charge from MY STC on june 2nd. It got caught by the fraud detection service and I declined it. Giving me a new card. Unfortunately before I got to use the card, I smacked my head on a windshield in a car accident resulting in a concussion. So for the entirety of June, I did not use my debit card. Then today 7/4 I got another text saying MY STC for 6.13,
my question is if I ran multiple anti-spy/viruses on my phone, cancelled almost every subscription via replacing my card, how is this same location getting my info? Every time I call TD Bank they either say "our system is secure the breach must be on your end" (thanks, really helpful) or "just says telecommunications, we can issue a new card"
essentially, I put all my liquid money into deposited checks into a new Truist account and the first check I deposited they offered me availability and then the rest they put a 10 day hold on because my account is new but they show up in my pending balance and my current balance is there anyway that I can go around the bank and spend the pending/current balance anyway I really need the money
I already called the bank. They said since it's a new account there's always holds placed on new account checks. which annoyed me because the first check I deposited they offered immediate availability however it was for a very small amount. With peace and love i'm not asking for answers like oh just wait for it to clear. I'm looking for ways to spend the money anyway that's pending/current because I need to buy medicine that i will die without.
I unfortunately only have maxed out credit cards. I just graduated college last year and got a good job but then got really sick so got put in a bad financial situation.
and unfortunately, my credit is absolutely trash because I had a nice life going for myself but then when I got sick, I couldn’t pay for any of it.
Let me tell you a short back story. So I joined a company on December 20 2024 at that time my company made my salary account in axis bank, now on may 13 may 2026 I left the company. Now as it was a salary account I am not sure I should keep the account active on not. Like will they charge me extra charges or something I am confused can anyone help me. Like should I close account or in with new bank will be good to open account into ?
So recently after working part time until I finished my degree I was looking at openings in the area of fraud investigation and positions surrounding that. One thing that I kept seeing was certifications like "ACFE" and all these different courses that provided certifications surrounding fraud that they were looking to see. Now these things were not required on any of the job descriptions I'm guessing they were just to help people without secondary education. That being said I really wanted to beef up my resume because im younger and do not have a lot of experience in the field. Anyways... I decided to look these certifications up and noticed that they were very freaking expensive like some of the courses being $2,000 and $500 to retake the tests.... like I do not understand why these are more expensive than a single semester of schooling and then having to pay 200/yr to keep it valid. I just feel like they are using these things as a cash grab and I really don't get how that is okay. Should I just be praying the company I eventually get hired with would be willing to pay for that or do people just pay that out of pocket? I would really love to know if there is anyone who works in the fraud area that could shed some insight on the topic.
My bank is offering me $600 in airline points if I open a new chequing account with them and hold for a year (which costs $200/yr), change my payroll/direct deposit to them, and either have 2 "pre-authorized payments" per month or 2 "eligible bill payments to a service provider" per month.
I read through the T&Cs but it doesn't explicitly say what constitutes a pre-authorized payment or bill payment. Currently I have a few monthly charges (streaming, storage unit, cell phone) which all go onto my credit card and are automatically paid. I don't currently pay rent or a mortgage. I have seen the "bill payment" function on my banking app but never once used it. If I switch two of those monthly credit card charges to the debit card that comes with the account, will that count as one of the payment categories? Or would I need to take my card off of them and have them send me an invoice, then manually use bill payment on the app each month?
I just moved to the US and opened an account with Bank Of America. I'm aware of the $500 bonus if I get $10,000 in 90 days, which I will, but it hasn't been 90 days and it's also not $500 that I received
I can't really figure out what else it might be.
Anyone have any ideas?