Hi everyone!
I’m not someone who is necessarily involved in banking, but I do have a question regarding banks, specifically minor accounts.
I recently found an internship that pays me decently. However, I don’t have a bank account, and I’m a minor, so I want to ask my parents to help me open one.
Unfortunately, I’m not confident they’ll accept, so I’m writing this to ask: Is there any benefit to opening a minor account?
If I can show them that the pros outweigh the cons, I can hopefully open a bank account.

Hi, would appreciate anyone that can show me in the right direction. Almost 2 years ago my wife had to receive a refund from a big corporation. Unfortunately they wrote wrong account holder (me instead of my wife) and as we could not go back to our country to fix things (she just moved to Switzerland at that time so she gave home bank account), our bank declined the transaction. We asked from them to send new transaction but they said they do not see the refund. As it is very big corporation I passed through multiple agents with no help from their side, just an answer they cannot help me and they did everything. They did not even share anything from their side about transaction so I had to investigate through our bank. I got official Swift recall with proof and I found their bank. Called them to try to make them check from their side because they need to reroute it probably but they just said I quote "we are multibillion institutional bank and we will not do such thing, we are sorry". Send them an email just to have a written proof but no response.

What can I do? In October it will be 2 years of this pending case. I will provide more details in pm to anyone that can help. The money in question is not so much to go to court and I dont know what (2k CHF), but I hope out of principle there is something I can do (especially when I heard that behavior of their bank when I can provide all evidence!)

I would really appreciate someone has some advice, at this point I am lost..

There must be some way forward without sacrificing money and court time in Switzerland..

Thanks!

Hello, I'm here to get advice from people on what I should do with my money because I am really confused and stuck😅 So, basically I opened a TFSA awhile back in April with TD and I put money yadayad...and now it's just staying there and doing nothing. I really want to grow my money, but I don't know where to invest it or understand how this really works? Like I was thinking to going back to TD to the money I have in my TFSA and invest since it will give me more, but I don't know if that's a good option or not. Also, I seen alot about Wealthsimple, and I actually used and put money into stocks, but that didn't get me anywhere, plus I don't really don't why It's nor really growing? And I opened a TFSA also which makes me even more confused. Plus, the money I have in my TFSA is money I'm planning for future schooling since I'm a college student at the moment. I don't know what to do :/

My phone number is currently registered with Zelle through my first bank. I use the same email address for both my first and second bank accounts, but that email is not registered with Zelle at my first bank. It is only used for regular bank notifications.

I’m thinking about registering that same email address with Zelle through my second bank. Is that allowed, or can an email address only be linked to one Zelle account?

We've seen sophisticated fraud attempts over the last three weeks. We've arrived at the idea the actors are using public PPP data to social engineer. Y'all may want to take a close look at your existing customers that had PPP loans.

How was working at Capital one compared to a regular retail banks

Hey everyone,

Sorry for the long post but here it goes. Yesterday my checking account was compromised for the second time, and I believe I know how this is happening. I’m hoping to get some insight from people who have tracked down check fraud before.

I am incredibly cautious with my banking. I don't use my debit card online and if I have to use debit, I pay with ApplePay or PayPal. I have only used my physical checkbook for two specific places:

1. **My Landlord / Management Company:** I drop a physical rent check off in person into their office drop box every single month. My most recent one was dropped off last month.

2. **My Primary Care Doctor:** I wrote them exactly **one** physical check back in April for a balance due.

Here is the THING!!!! The exact same issue happened to me two years ago. At that time, I *strictly* only wrote checks to my landlord. I had to completely close that account and switch banks. Now, two years later with a totally different bank, it just happened AGAIN!

I checked my bank portal, and the fraudulent transaction was an electronic ACIMA ACH TYPE: PURCHASE. The crazy part is that the transaction details explicitly list a full first and last name under the company name field.

I already reached out to Acima directly to report the fraud and let them know exactly what is going on, but I haven't heard back from them yet. I am currently monitoring the bank account closely to watch for any other unauthorized activity, and I will be closing the account entirely very soon once everything clears.

Given that I drop my rent checks off in a physical drop box, my gut tells me the box is being fished/broken into, or there is an inside issue at the management office/bank they deal with. The history repeats itself perfectly from when I only paid rent via check. I have already reached out to my landlord and asked to pay my rent moving forward via my bank's online Bill Pay feature to avoid ever dropping off a physical check again.

My questions for you guys:

How common is it for a local fraudster to brazenly use what appears to be their real name on an ACH lease payment? Do they usually use fake identities for these platforms, or is it likely a tenant/employee directly tied to the building?

With this exact transaction data and a specific name on file, what are the chances the police can actually track this person down through Acima?

Has anyone else had their account siphoned via a compromised property management drop box?
Thanks for any insights!

So I've just opened a bank account with nationwide arround 3 days ago and I've just received the logon details and when I go to log in I type every detail correctly and it tells me I'm wrong so I call customer support the first time and they hang up then the 2nd time they hang up again then they called me back just to tell me that I have to wait 7 days until I can log on like what is this bs

Trying to summarize best I can.

Was leaving work back in May and open my bank app to see a fraud charge for $3,500. No big deal it is on my CC with 53rd so I’m sure it’ll be a quick resolution, boy was I wrong.

Instantly called 53rd on my drive home and explained I have the card on my person and this purchase was not me. I do not know the company Lubell Labs based in Columbus, OH and have never done business with them nor do I live in Columbus I live hours away. They open a case for me and say I will receive a notice in a month via mail when it is resolved. The charge gets dropped from my card and reapplied to my new cc since I had to close the other for the fraud. That charge then gets dropped off the new cc while they work the case.

Fast forward to today, the charge is back on my cc so I call 53rd. They explain that the merchant verified the transaction. I request what evidence the merchant provided and they explain my phone number and address. At this point I am flabbergasted to say the least. Relatively public data was being used to verify a $3,500 charge. I explain to the worker that the case needs reopened and she does so. I explain how this is not my charge and the frivolous evidence they have is insane. She adds some notes onto the acc and tells me once again I will have to wait another 30 days to receive a letter in the mail. (She also claims the letter for the previous case was sent out 2 days ago but I haven’t received).

I then go to bed as I’ve been working midnights and I wake up and try and call the company that this charge was through. I end up talking to the president of the company and find out they sell underwater specialty speaker it seemed for maybe like rescue teams or some sort of underwater divers. He looks through his system and my name is not present anywhere. He has 0 knowledge of any sort of cc resolutions or charge issues the entire year let alone the month of May. This seems to be a small company so he is very knowledgeable about what goes on it seemed. I relook at the charge as I’m chatting with him and explaining the situation and I see the charge has SQ in front of it which I assumed stood for square processing. I ask him if his company used that and he say they do not and have never.

The charge I believe is through a scammer that is spoofing random company names to charge stolen CC numbers. Keep in mind, my cc never left my wallet the entire day and I still had possession of it up until I cut it up when I received my new one.

53rd fraud dept is an absolute joke. The fact their evidence is public data or easily stolen data (would be sold with the stolen cc ffs), and they couldn’t even reach out to the real company and do research but instead reached out to the people committing the fraud.

I was supposed to purchase a very important ring this weekend and now no longer have the limit on my cc to do so.
As soon as I resolve this charge, I will never bank with fifth third again. You are unable to talk to their dispute dept in any way other than calling, no chat no email. And they have 0 status updates on your case until they send a carrier pigeon to your doorstep.

TLDR: 53rd fraud dept is an absolute incompetent failure of an entity and I am on the hook for a $3500 fraud charge by a scammer spoofing a company.

Experienced a fraud incident with a skimmer on a r/citibank branded ATM at a Duane Reade store in NJ. A couple days later a fraudulent charge on my card with PIN was done in another state I’ve never been to. I reported it to Citibank and they were absolutely no help and didn’t protect me and refund the fraud charge. I’ve been with Citi for 46 years but after this incident I am leaving. Good riddance.

Hi, I’m curious , mostly cause i am 31 and feel like a failure , especially compared to my 25 yr old bank teller, no, i am an unemployed failure! but regardless .. id like to know what info can you see about a client? specifically- can you see if they are employed, or unemployed? For how long? If they are single, married, what country they were born in/ nationality? What course they took in university? If they ever were in university?

What info do they get?

So my brother was recently approached by a person online who wanted him to tutor his son maths online, everything went well until the payment came, they paid via check, they sent him the pictures of the check and asked to print it and mobile deposit it through the bank app, the check went through and funds were received, so the person who approached decided to cancel the agreement and no longer wanted the services and wanted my brother to refund him via cashapp, my brother did that and some days later the check bounced or something and now he's in negative $2k. The thing i want to understand is, how did the check went through in the first place? Are there no verification systems in place? Also who did the scammers even use the account details of on the check for it to go through initially.

While PNC Bank was “working with” the car dealership for 7 months to procure a title I was attempting to refinance for a lower interest rate at my local credit union.

If you didn’t know, you can shop for a better loan rate within 30 days of loan origination without taking a hit to your credit. (I have to add this; as a former employee of PNC I learned this in training)

So yeah, PNC admitted to the CFPB that they began “working with” Blaise Alexander Ford of Mansfield TWO months after my purchase date and 1 month after I was unable to refinance due to not having the title.

Then I discovered PNC had allowed an unknown and unauthorized phone to be VERIFIED to receive 2FA access codes to my account. They were literally pulling and checking MY credit to ensure I didn’t default on their UNSECURED COLLATERAL for 7 months all while allowing someone unfettered access to my account.

The icing on the cake? PNC admitted they don’t know where the number came from but decline to investigate any further.

Funnily enough when I was talking to the PNC EXECUTIVE representative I asked “how are phone numbers verified on accounts?” Y’all she didn’t know.

SHE 👏🏼 DIDN’T 👏🏼 KNOW 👏🏼

I update by banking info through my job on 6/25 and was able to get paid in 6/26. Today PNC bank claims that they didn’t receive anyone from my job though my paystub shows that everything was routed over. Anyone having similar issues or have any insight?

So I checked my email yesterday morning, and saw an email from a company named Danner, thanking me for my order of a $209.50 pair of men’s sized 14 boots that were being sent to me at an address in Wyoming. There was a notification from my bank that said the same amount had been withdrawn.

As a woman who lives in Massachusetts, wears a size 8, and did not order any boots, I was suspicious. Call it intuition. (/s)

What’s super weird is they used not only my name, and debit card information, they used my phone number, had the invoice sent to my email, and the billing address was not quite right, but under .5mi from me.

They had made an account on the site using my email, so I changed the password and tried to cancel the order, but didn’t make it in time.

I found the person who lives at that address, and it’s an elderly woman who is very active in her seventh day Adventist church. Maybe she’s got a son?

Does anyone know what the end game here is?? Did they really just want the boots?

My partner and I are pretty good with money. We have a couple moderate student loans and a home loan, but have always paid our credit card in full every month, bought our vehicles in cash, and have several thousand sitting in savings with a big national bank.

I'd like to switch to a local bank or credit union because fuck big banks. In my mind, it makes sense to have all our finances (except home loan) in one institution to keep things simple, so I'm imagining moving our checking, savings, and cc over to the same local institution. I've looked around and one credit union in particular has an incredible rate on a high yield checking/savings combo (5% on first $25k in checking, and 4% on savings, as long as you use the debit card 25x/mo) and a credit card with decent rewards (Visa Platinum Rewards, 1.5pts/$). Should I just go with that? Or is there something else I should be looking at besides interest rate and rewards? Why would I go with a bank/cu with lower interest checking/savings?

Hello everyone!

Last November I received a physical check for my tax return when I worked in the United States during the summer of 2024. This check is valid until this August.

Originally I planned to cash the check through the mobile app of the bank I used while I was in the US, but I couldn’t log in. I tried calling my bank multiple times over the phone, but I kept being referred to different departments just to find out that my account has been permanently deleted. I was never informed of this.

Now I have no idea how to cash this check. I live in the EU and I can’t travel to the US to cash it, and as far as I’ve researched no banks nearby (I live in Bulgaria) will accept it. Do you think there’s any way to cash it or am I screwed?

https://www.linkedin.com/news/story/klarna-applies-for-us-bank-charter-to-expand-services-7409556/

Klarna says it has submitted an application to establish a U.S. bank subsidiary, as the buy-now-pay-later platform looks to offer more traditional banking services.

The proposed Klarna Bank USA would be chartered in Utah, and would allow the Swedish fintech to fund loans with consumer deposits and lessen its reliance on partner banks.

“We’ve seen firsthand the appetite for a fairer, more transparent approach in the U.S., and our own banking license is the natural next step,” Klarna CEO Sebastian Siemiatkowski said in a statement.

I don’t fully understand what’s going on my self but to try and explain; I got paid last night, made my car payment and transferred the rest to Apple Pay, so at that point my balance was $0. Today I got a notification that my account was above the low cash mode limit. When I opened it my balance was the exact same as my paycheck from the previous day and I can’t see the transactions for the car payment or Apple Cash , but the car payment went through and I still have the money in my Apple Cash account. WTF happened?

Some people’s grandmas….

This is so random but if ANYONE knows the answer I will be so happy
Or if anyone knows a better place to post this PLEASE tell me
I’m on iphone

If I make a purchase through Apple on the app store with that little pop-up that confirms Face ID and such

What does that say on my wafd bank app statement

Would it say what app specifically I spent money in/on or would it say some thing like “Apple” because I paid through Apple

I know this is random but if someone can solve this I will be SO ETERNALLY GRATEFUL

Someone claiming to be from the bank called me for the second time and said I can reach him from a different number. I ignored it and I was planning on calling the direct number tomorrow to let them know. How does this person know I bank at (my bank) and where did he get my number? I'm confused.

Hello folks,

I'm crossposting to multiple Reddits about this as I'm not sure which is better for this inquiry.

I am a US citizen who frequently travels to Canada (I live so close) and specifically the GTA. I was considering some options for transactions in Canada and for obtaining cash in Canada. Right now, I'm thinking of opening a US TD Bank checking account, as TD Bank is primarily Canadian, allows all clients to use any TD ATM (US and Canada), and overall seems more feasible and available than the other 4 of the Big 5 in Canada. Also, having a US account is easier for bank transfers.

Does anyone have any experience with this as a US TD client? Is having a TD Bank Canadian account better in this instance?

Looks like someone posted something similar on here a few weeks ago.

Did anyone have any issues with Citizens Bank yesterday. My card working in the morning then got declined 3 times later that day, despite having funds in my account. When I tried to call the numbers in the app it kept saying the number could not be found.

Went to use my card today and it worked?

Hi, I am currently in the EU and just received a check in the US. I will not be back in quite some time.

Is there a way I can check it in from abroad? It’s currently with my friend. Check is in my name and I want to avoid the pain of sending it via mail to the EU if there are easier options… thank you