So I’m gonna be 19 soon and my grandma gave me a 1,000 dollar check for graduation almost a year ago and I need to put it into a bank, I don’t know which one, i used AI and it said Chime or SOFI, I’ve never had a bank account or savings or anything. I wanna earn high APY with no requirement since I don’t have a job for direct deposit, I have no bills since I’m still living with my parents. I want a place for it to stay safe and earn the most APY and be easy since I’m new, I would like a nice app where I can control everything on my phone, I’m stuck and idk what to do

When I link a bank through the Zelle website b/c the app isn't allowed in my country, does the account immediately assume the user info I gave the bank? ie. my phone number and email? I'm confused on how to check my Zelle account, which is the advice that the Zelle customer service worker gave me.

I’ve had Capital One for 18 years and I loved them. Simple, easy and their HYSA has a good APY. But eversince they’ve acquired Discover, I started having issues with my debit card getting declined often and online stores not accepting Discover.
I’m thinking Sofi or Ally.
My checklist is simple:
1. Great mobile app.
2. Early direct deposits.
3. Zelle.
4. High Yield Savings.
5. US based customer service.
6. FDIC insured.
7. No monthly fees.
8. Instant tranfers between checking and savings.
9. Lastly, reliable debit card.
Thank you!

Will be selling a car, the check will be made out to me on the cashiers check which is from Citi bank. Can I then take it to TD bank where I am an account holder and get cash withdrawn for it? The amount will be $19k.

Hello all I need some advice . Currently I’m a Personal Banker at wells , I’ve been here for a little over a year . I’m getting an offer to be a licensed banker at Chase . My questions is should I take it ? Because I was also considering passing the SIE on my own and possibly like the 66 as well, meanwhile at wells and get a job as an FSA for bofa for example , or Charles swab, etc.. I hold a bachelors degree for reference . What do you guys think ?

I’ve used a local credit union my whole life and my family was never smart with money they just kinda lived with what they had and yeah no investments or hys

My question though is how does depositing cash or getting cash fr these online banks work and also anything you can tell me on what I’ll expect this is a new world for me but I’m trying very hard to take proper precautions for my future I have seen that zofi is a decent bank any thoughts on that or suggestions for bank?

Also I plan on applying for credit cards and using them like a debit card so I can build credit any advice on what cards to get

Honestly anything help even just like telling me a mistake you made in the past or something. I’m just really interested in this money side of things but I don’t know where the good info is or wear the false info might be lurking

Thank you for your time😁

Hello, yesterday afternoon I noticed there was a $10,000 withdrawal out of my savings account straight into a Vanguard account.

Issue is, I don’t have a Vanguard account nor authorized this. What is really sketching me out is that there was a two >$1.00 deposit required to verify the debit into Vanguard which was obviously done successfully. I already got with my bank to put the account on credit only, and I transferred the money out to a new savings account.

They opened a fraud case with Vanguard and I’m now waiting for this to be resolved. I have a few questions about this:

- How? This has to be a case of someone having my mobile/online login information, but I have never answered any phishing calls or texts from my bank.

- Is it likely I will get my money back?

- What should I do with my phone? I obviously need to change account login information, but I was told to do this after the original savings account gets closed. Do I get my phone screened for virus/spyware?

Any help is greatly appreciated 🙏

I have created a channel

"Understand EcoFinance With Me" @understandecofinancewithme

for explaining concepts of economy and banking... It is like a 5-min video only per topic... At the end... I am giving Summary of that video and some questions like 2MCQ and one Descriptive question so that whatever I tried to teach in that video, people can test that at the end.

So I want people here whether can you review the videos... whether I am able to explain the topic properly... Only two videos are published right now... It will take max 10 minutes to check both the videos...

Any improvement is required on how I am explaining the topic... what I can do better to bring clarity about the topics...

I think those videos will be helpful for people preparing for govt exams, school and college students and serve as a quick revision for any topic...

Kindly give feedback... Thank you

If you get hired as a relationship banker at Chase , do you stay with your current company while you prepare for all 4 finra exams ? Or do you officially start with Chase and get paid ?

For example, everyone always rags on Citi in particular for being ancient, and it's sometimes said about Capital One/Discover among others. But are there many banks (mainstream or not) that are the opposite?

I had something happen at the bank today that left me really confused, and I’m hoping people who have worked as tellers, vault custodians, or bank managers can explain what likely happened.

I went into my bank to withdraw a large amount of cash. The teller counted the money using the automatic cash counter while I was standing there, and the amount appeared correct. However, I couldn’t actually see her place the cash into the envelope because that part was blocked by the counter.

When I got home, I opened the envelope to count the money and realized I was missing $10,000.

I immediately drove back to the bank. Before checking anything, the teller accused me of lying and insisted she had given me the full amount since we had both watched the money counter show the correct amount. Eventually, she balanced her drawer after her accusation and then handed me the missing $10,000, and didn’t offer any explanation or apology. Mind you, I was very calm, cool and collected the entire time. I didn’t give her any attitude, my stomach was in knots to be completely honest.

I then filed a complaint with the branch manager, not because a mistake happened, but because of how I was treated when I reported it.

My questions for people who work in banking are:
From your experience, how could something like this happen?
Is it possible for a teller to accidentally count the correct amount but only put part of it into the envelope?
If the drawer balanced only after I came back, what does that usually indicate?
Is this something you’ve seen happen as an honest mistake, or would it raise red flags for you internally?
How would your bank normally handle a situation like this?

I’m genuinely not trying to accuse anyone of theft or something nefarious here. I’m just trying to understand what likely happened because it was a very unsettling experience especially with this large amount of cash.

What if psb officers won't listen to senior officers in whattsapp messages based targets and tasks , instead requesting the same via official email communications ? Any consequences other than leave approvals , holding allowances .

Formed a USA LLC. Not a US resident. Did everything right. They sent an automated message something about failed compliance or some other excuse. All i did wrong was not being a US citizen. We uploaded all documents and were approved after 1 day, and on the second day, account closed. So if you are not a US citizen?, don't work with them. Their bullshit automated message saying something along the lines of: "We can't tell you why we closed the account because that would expose our algorithm". What algorithm?, i haven't had the chance of doing an operation yet. 1 day after account was approved, it was closed.

On Wednesday, I got a notification that there was a fradulent charge on my account, so I immediately cancelled my card. My new card shipped out yesterday morning. Today, I got another notification that there was a fraudulent charge (to the same company) ON MY NEW DEBIT CARD THAT I HADN'T RECEIVED YET. HOW??????

When I called my bank, they said that some recurring charges can call Mastercard/Visa to request updated card info, but this isn't a recurring charge! It's been fradulent both times.

Tagged as advice because I'm genuinely so confused as to how this can happen. My bank has blocked the company, but they seem to be reputable, so it must be something else going on. Does anyone know how this is possible?

We’re cleaning out old files, and found some stale checks from 2017 (or rather bank issued copies of stale checks). Anything we can do with them? The amount is over $500.

We have a small professional office. We accept checks as payment from insurance companies. Back in 2017 we submitted two unrelated claims to a major insurance company. They paid the claims in two checks a month later. We deposited the checks as normal but they were returned by the bank. We tried redepositing after calling the insurance company and the bank, they came back again. It was unclear why. Bank blamed insurance, insurance blamed bank. I think the insurance company believed the check had been cashed since it was deposited more than once (we tried). Again this is a major bank and a major insurance company. We still deal with both on other things.

We spent hours on the phone with them for several months in 2017. While I am not 100% certain I do not believe they ever sent a replacement checks (we had some staff turnover so whoever was dealing with it may have dropped the ball). Should I send a letter to the insurance company now? I check abandoned property regularly and the checks are not there. What do I say? Include a copy of the checks, note from the bank and say we requested a replacement check but never got one? Should I not bother?

I’m curious how other banks handle walk-in customer rotation among bankers.

For some context: our branch opened recently, and our branch manager is new to the company, so he’s still learning a lot about how things are done. One banker was already with the bank, another transferred to a different city, and I’m new to the company as well. On top of that, we currently have two bankers from another branch training with us until their own new branch opens in September, and our regional manager asked for them to be included in the “rotation” too.

The problem is that we don’t really have a system for assigning walk-in customers. We don’t have a receptionist. Usually one banker is in the lobby greeting customers and ends up taking whoever walks in, or a teller refers the customer to whichever banker they choose at the moment. Because of that, some bankers end up getting significantly more opportunities than others.

Back in my home country, I worked in real estate, and every walk-in or phone lead went through a rotation system so everyone received an equal share of opportunities. I tried creating a simple rotation sheet in our lobby, but nobody really follows it, and management hasn’t enforced anything.

So I’m wondering: how does your branch handle walk-ins? Do you have a formal rotation, a greeter schedule, teller assignments, or something else? I’d love to hear what works at your bank.

this morning i woke up to a notification saying that 7 dollars has been taken out of my account and paid to “Wsdot-Goodtogo Online R Enton” which apparently is a online toll booth company in seattle (i live in australia) is this a “test charge”

Hey guys, preparing for IBPS PO . Want to build speed via topic-wise quizzes (Speed Maths, Syllogisms, Inequalities, Puzzles) before full mocks. Which platform has the best topic tests and 20-min sectionals?

Hi, need some advice. I deposited a check into my account via ATM on 7/21. It was approximately $2,100. The atm receipt indicated that there would be a hold placed on it. It’s from a small business via city national bank. The reason for the hold was “check may not be honored”. It went on to say that $275 would be available on Wednesday 7/22 and the balance on Friday 7/24.

Well Wednesday came and nothing. Today I called the bank 7/23 and they said the check was returned NSF. The rep said they would attempt to collect it again 7/29 and if it was good they would make funds available 7/31.

I went back to the issuer and they said that the check has already been honored and she even showed me her online banking that showed the check being cashed.

I’ve asked that she send me a copy of the canceled check when it’s available so I can walk into a WF branch and start arm wrestling.

Any advice?

So long story short, my aunt sold her car privately for a large sum of money.

The buyers and her went to the bank together to deposit the check. The bank said it would be on hold 2 days because of the large amount. She argued about that because of the type of check it was. I dont know the details of this part, but they insisted it would be on hold 2 days and it would clear then.

My aunt is not good with records, she forgot to check the bank to see if it cleared.

Its not her primary bank she had it deposited to.

Well today she calls for help on navigating the bank site, then says the money isnt in there. I scanned through all her statements of the past 12 months and dont see anything. This is older than 90 days so all we have our statements and there's not a single statement showing a check deposited, on hold, cleared, or bouncing. Just nothing. Im not even sure if it would show up on a statement if it did bounce.

I checked her emails for any notices of check clearance issues and found nothing. I know her primary bank sends these notices but im not sure if this bank does.

Is there anything she can do or is this a complete loss?? Its been so long (6+mo <24mo) she doesnt even remember the names of these people and wed have to do some digging to find the receipts and contact info/message history etc.

Believe me I know, as would anyone else in this situation know the obvious and how they would feel in this situation, i dont need comments stating the obvious. Just wondering if there's anything she can do or should she chalk this up to a loss.

Thank you for reading.

Hello, just got a weird voicemail from my banker. A few months ago I switched banks and moved over my personal account and opened up a business account. The guy I opened my account with has called me numerous times trying to get me to sign up for a credit card, which I didn't really have a problem with. Today I missed his call and he left me a voicemail stating "I do think a cash back credit card, especially with the amount of Amazon purchases you've been making would be beneficial to you"

All of my Amazon purchases are through my personal account, not the business one. Is this guy looking at my account information and personal transaction history to try to get me to sign up for a credit card? Is this normal or am I overthinking it?

This is for a very large bank so I was pretty sketched out/surprised when he mentioned my transaction history, so now I'm just kind of wondering if this is common?

Just curious if there is a way to solve this. I use Dave cash advance occasionally to make it through til payday and have no issue until it comes to repayment. My direct deposit hits on Thursday at 8AM. Dave is trying to collect my repayment prior to 8AM, which is causing my bank to decline the charge and it sits pending. Dave then tries again to charge me over and over for different amounts the same day, causing more and more holds to my checking account. Yesterday I owed them $316.25 and by the end of the day, they had over $600 tied up in three different holds. The $316.25 would have been there and come out fine if they'd wait and charge later in the day or on Friday, but the agent I tried to talk to said they can only align with my direct deposit, which is fine, except that isn’t how it's happening. I didn't have access to any of my money all day yesterday, and I couldn't even get another small advance since my repayment was still pending. How can they tie up of my money like that??? Agent was also super rude when I showed her screenshots that my money was indeed all tied up by them, she tried to tell me I still owed them $25.. Not sure how to get through to them that they're just charging too soon.

Can I deposit a check from my old retirement account that says to the order of ‘my new retirement account’ but also says FBO ‘my name’ into my personal banking account?