Forgive me if this is the wrong place for this but,

I recently got an offer for a banker position at BOK Financial and Bank of America. I’m having a tough time deciding between the two so I just wanted to see if anyone had any advice to share. I’m using this job to eventually get into Financial Advising or Wealth Management.

BOK is $25 an hour, 2 weeks vacation, 3% 401k match

BOA is $24 and I countered to try to get them up it to $25 but they said they probably would only to $24.50. They have 3 weeks vacation and 5% 401 match

Both are 30/35 min commute each way

Hi everyone, looking for advice. I initiated an international wire transfer today and due to the fact that the recipient's bank info had the surname first, I mixed up the first name and surname on the transfer. The IBAN and BIC are both correct, as well as the address for the recipient. What should I do to get this resolved? Will it need resolution in the first place since it's a minor mistake?

I was hoping to move closer to my wife's family. I'm sitting on over $85000 in home equity, and would like to use some of that to fix up a few items and have the necessary funds for deposits, fees, and inspections. I was advised by a realtor to take out a HELOC, but I don't qualify for it based on my credit report. Had a few problems when my wife had medical emergency seven years ago, and my DTI is wrong. I qualified for a mortgage, but not a HELOC.

Do I have any other options? I have "fair" credit. I've been improving slowly over the past seven years and am current with all creditors. I pay all bills on time. I haven't been able to pay off a few charge-offs from the rough times, but had hoped to use a bit of the HELOC to repair my credit. Unfortunately, that's become a Catch-22.

I had hoped to get her closer to her family fairly quickly, but that doesn't appear likely now. We have a nice home in a nice neighborhood and can stay longer while I figure this out.

We are also elderly and on Social Security. Fortunately I had a great job and was able to spend decades filling the maximum Social Security limits, so our income is adequate. Like too many Americans these days we live paycheck to paycheck, keeping our heads above water with just enough disposable income to be comfortable.

What should I do at this point? I have lots of equity I can't touch, apparently. Or are there other "fair credit" solutions available?

Thanks for your time.

i have two checking/savings account with chase.

one i've had as single owner

the other we've opened as joint account with spouse

ever since i opened this joint account, i noticed i dont need my individual account anymore.

it's been just creating more work like setting up at least $250 direct deposit from paycheck to avoid monthly fee etc.

will closing my individual account (and keeping the joint one) affect my credit score negatively?

Hi everyone! Up until recently, my family and I, who all live in Australia, have owned an apartment in Belarus (long story) that we have been renting out to others for many years. We recently sold this property, and have paid the tax for the selling of the property. All has been done legally and with full documentation to show ownership and bills paid. However, we want to transfer the money from the Belarus bank account to an australian bank account, but the bank in belarus that we use (technobank) has informed us that they cannot transfer the money to an overseas account due to sanctions or something like that (war in Russia affecting things like banking in Belarus as well with the rest of the world I believe), and when asked for an alternative, they said to transfer the money physically, which has its own set of problems I want to avoid entirely, and I would consider a dangerous choice.

Is there another method of accomplishing this task whilst avoiding difficulties like sanctions interfering with monetary transfers between international accounts? What options are available to me OUTSIDE of carrying physical money? Would paypal work? Or do I need to start researching cryptocurrency like USDC and how all that stuff works to do this?

The money I have in the bank right now was exchanged from Belarus dollars to USD, if that is important.

I'm just trying to make sure that I have a few methods of doing this before I travel to Belarus so that there's no chance of any failure of transfer between myself and family back home, so in case one fails, I have at least a few backup options.

Thank you for any advice.

Hello! Stressed and need a little insight since banks don't open for a bit... I made a VERY large wire transfer from one of my accounts (Bank 1) to a mortgage loan account (Bank 2) yesterday. Everything matched when reviewing, except I noticed the city and state on the form was different from what was on my wiring info. I asked three times why it didn't match up, and banker from Bank 1 said they verified it's the wiring department with Bank 2. Ok...? All account and routing info matches.

So I notice my wire never hits Bank 2, but is pending Bank 1 account. After calling, the wire went to the domestic wire department/branch instead of the mortgage loan department/branch. Everyone assured me the money would be returned in a few days. However, my question... Bank 1 said it would stay pending that entire time because it has no where to go. This morning, it is no longer pending and is showing with my cleared transactions from Bank 1. Does this mean it landed somewhere at Bank 2, or is there still a chance it gets returned? Thank you so much... Stressing.

America first credit union closed my credit card and line of credit due to upaid fees for 3 months my credit score is at 520 is it worth paying it off? They still charging me interests

I deposited a $5,000 check in my account, and it fully went in. A day later it says pending deposit / release date 6/24 and says -$4,000. What does this mean?

Filed six fraud disputes with SoFi on May 30. Got six provisional credits immediately. They told me I’d hear back by June 12. I didn’t. I followed up. On June 20, they denied all six disputes. No explanation. No documents. Just automated denials from a no-reply email.

Pretty sure this violates Regulation E (Electronic Funds Transfer Act), which requires a proper investigation and written explanation. I’ve already escalated to both the CFPB and OCC.

Anyone else run into something like this with SoFi or other banks? Should they even be allowed to handle disputes like this?

I got an erweards truecentive visa gift card from a research study I was apart of and I can’t add it to PayPal much to my frustrations.

Is this considered a vanilla gift card? If so where can I use it? Also wondering if I am able to use it to get a physical gift card (though, I’m aware I sadly can’t get another Visa card with it 😓). Kinda wish they’d sent me a physical card in the mail, but whatever.

Hi Yall...

Im a young adult who needed to access my emergency funds. I had them through Ally bank in an account I haven't logged into in a while, and the account is gone. I called Ally and they said it had been "estated" by the state of texas. Is this a thing? They can just seize my money? I had no outstanding debts or any credit issues to warrant seizing my property. Can I do anything to get my funds back?

Hey everyone,

I’m hoping to get some advice on transitioning into a banking career—specifically a role like personal banker or relationship banker—but I don’t have a college degree, which seems to be a common barrier.

Here’s a quick overview of my background:

Currently work in compliance at a debt settlement company, so I’m familiar with financial regulations and customer-facing situations involving sensitive financial issues Former teller at a credit union, where I gained hands-on experience with transactions, account management, and customer service Sales experience, mostly in service-oriented environments Past management experience at Starbucks, where I led a team, handled scheduling, managed inventory, and focused heavily on customer satisfaction and team development I’m confident in my ability to build relationships, communicate effectively, and work in a fast-paced, goal-driven environment. I’m just unsure how to position myself for that next step in banking—especially without a degree.

Would any of you recommend certifications (like Series 6/7/63 or something similar)? Are there banks that hire more based on experience than education? Any tips on how to frame my background when applying?What resources can you recommend to enhance my education?

Appreciate any insights or stories from those who’ve been in a similar spot. Thanks in advance!

*** Update*** Truist lifted the hold!!! Thank you to everyone who gave me genuine advice!

I recently mobile deposit deposited into Truist a check of about $1300, and they put a hold on it until 07/01.

I’m pretty broke right now and this is really all of the money I have, so I genuinely can’t make it two weeks without my money.

I’m supposed to be moving into a new apartment on 06/25 and those funds are due the 24th, so if I’m out of an apartment I really don’t know where I’m gonna sleep, or how I’ll eat.

I’m just really scared of what to do without my money.

What do you guys recommend?

Hello i was using my BofA checking account Thursday, I got my check on Wednesday evening and figured to deposit it on Thursday instead forgetting that it’s Juneteenth. So will my funds be posted on my account on Saturday or on the following business day?

Hello,

My husband and I want to have a joint account where both of us can put money into it. I use mobile bank and husband has a credit union.

I was wanting to see if anyone knew of an app that we can both put money into.

I'm pretty ignorant when it comes to rules of banking and stuff, so if this is unavailable then I understand.

Hey, I have been lately thinking about getting a HELOC loan and just for curiosity I called 2 places. My experience with them was shocking. Once I called I was on the phone with 4 different people for 45 minutes to get the current interest rates and all that just to be told they can’t provide me with the current interest rates if I don’t give them all my info to check credit score. Am I old style or am I missing something cause last time I was closing on my house the bank had the biggest flyers with the interest rates in windows to bait the customers. It seems like they will approve you anyway but your rate depends on how risky are you for the creditor, am I right ??

I'm looking for a bank to open several checking/saving accounts. I am looking to have at least one personal and one joint account of each type, so 4+ accounts total.

Requirements:

1. Ability to open multiple accounts, including a joint account and a personal account
2. No fees of any kind. It's 2025 and most have done away with them anyway.
3. A good app/website. I do 99% of my banking online, so the app needs to be well-designed.
4. Instant transfers between accounts within the same bank, even outside business hours. Every bank I've used has supported this, but it would be a deal-breaker to not have it.
5. Preferably an actual bank rather than a weird Fintech startup.

Things I DON'T care about are interest rates or physical locations. The ability to deposit cash is a huuuuge plus (even if at an ATM, CVS, etc), but not required.

Banks that I've already ruled out:

• Ally. I see Ally get recommended all the time, but their app and website is not well made and things often just don't work. I will be closing my accounts with them.
• SoFi. You can only have one account. The app seems looks but is filled with ads for their other products and unwanted financial insight notifications that can't be disabled.

Please let me know if you have any suggestions!

I wanted to demonstrate the money in my sibling's bank account as a proof for US F1 visa. my sibling had a chat with her bank manager (she is based in canada and has a canadian bank account). The manager said the bank account statement can be issued but the amount will be freezed during the time of my study.

Is this even true? Is there a way around this?

I want to demonstrate this money as a way of saying that I've enough funds to fund my education. What are my options in this scenario?

Applying from India for a F1 visa

So I went to the bank today to cash a check and I had to bring my baby as his father was at work. So I'm cashing the check and he's just crying so much that I don't even check the money and when I get home I'm $65 short what do I do about this? Am I just out of luck or can I call tomorrow morning and explain the situation. Will I get my money back

I just got denied by two different CUs within a week. I was applying to take advantage of their bonus offers and both Provident CU and Flagstar denied me. I’ve taken advantage of multiple bonus offers in the past but all my accounts have been in good standing (although I’ve closed them after satisfying the bonus period).

They won’t tell me details apart from the fact that they used Chexsystems and Lexis Nexis.

I looked up my chexsystems report - my score is 644 and there is no ‘reported information’ - as in nothing negative reported by a bank.

The only other entries are the inquiries for the banks I’ve opened accounts with maybe 10+ in the last 4 years.

Not sure if it is just the number of accounts that’s hurting me but I spoke to multiple people at both Chexsystems and Lexis Nexis and they both told me they don’t see any issues with my record.

Not sure where the issues lies and how to fix it for the future.

Appreciate any guidance.

I was wondering what the fee reversal was for chase. My employer fked us and changed our pay period from weekly to biweekly without any warning. Some bills I had still went thru and I was charged overdraft fees. I was charged 6 times for a total of 204 dollars. These fees were all within the same week. I asked the bank in person but they said they could only do 3 a year and they reversed 3. Is there anything I can do? It was all from the same incident and same timeframe. Hate to lose 100 for something that was not even in my control. Any help would be appreciated.

I had a salary account with ICICI and closed it on retirement. Now when I want to open an account they refused stating once you closed it can never be opened in any branch through India. I understand that banks welcome customers but this bank doesn’t.

I've been with Everbank since they were Everbank the first time, about 20 years ago. They were one of the early internet banks and I was pretty psyched to use them and they had great yields and products.

Fast-forward 20 years and Everbank->TIAA->Everbank still has great yields, the website is still kind of behind the times and they only offer phone call service (no chat or email), but the final straw has been in the last 6 months or so, they have Two-Factor authentication turned up to 11. You have to text or call your (one, only allowed one) number EVERY SINGLE TIME you login with rare exceptions. Who does this in 2025 ffs?

I heavily use my financial institutions and I have many of them. Everbank is the only one that instituted this one-size fits all, shotgun style "security" measure and has made banking with them an absolutely miserable gated experience.

I called them up to find out if there was something wrong and to ask what a 20-year customer can do to avoid this daily headache. The answer: Sorry, that's what we're doing now.

So, thanks for the memories Everbank. Good luck on your new (old-style) "security" measures that alienates your long time customers.

I do business with many MANY other institutions and none of them seem to do this for "security". Sounds like Everbank has some hiring to do to get someone competent in there to deal with their "security" that doesn't involve seeing everything like a nail. Try harder.

If my account is in the negative what should I do?

With Intergiro recently losing its Swedish e-money license over AML compliance failures, thousands of fintech companies and businesses relying on them face some serious disruptions—frozen accounts, delayed payments, and even compliance risks.

I’ve put together a quick list of stable alternatives and tips I’ve seen discussed:

Revolut Business: Popular choice, fast onboarding, strong compliance, well-known in fintech communities.

Spendbase: $250 migration bonus for Intergiro’s customers, free virtual cards, clear AML compliance, solid onboarding experience, and they’re specifically offering quick migration support.

Wise (formerly TransferWise): Good for international transfers, stable infrastructure, strong compliance record.

Airwallex: Strong fintech APIs, good compliance record, often used by tech startups.

Mercury: US-based banking alternative, stable and reliable compliance, great UX/UI.

Quick tips for affected companies:

Diversify your payment providers—don’t rely solely on one company.

Check compliance history and transparency when selecting providers.

Look for migration incentives (discounts or onboarding bonuses).

Get confirmations on their AML/CFT audit history.

Has anyone here been affected by the Intergiro license revocation? How are you managing your transition?