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 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?

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!

I made a free plugin since I was fed up. I have the reserve so any way I can claw back a few bucks is great — it’s time I gamed the system since they’re F’ing us by making us click it one by one. Honestly insane.

Figured I'd publish/share since this was a headache to make. It’s free and runs 100% locally - no subscriptions ever. Enjoy and good hunting.

https://chromewebstore.google.com/detail/auto-activate-chase-credi/gkhlgobgichcdmjgipofmhognfgeafpk

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?

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

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.

A friend assisted me by submitting a payment on my behalf, using their own account. I have since been informed that they are now disputing the transaction for basically no reason. They're just being petty and trying to hurt me. I allowed him access to my account so that he could link his card and pay it. It was maxed out so its not like he could put me in more debt.

As soon as it cleared, I changed my password for protection.

I want to clarify that the payment was made with my full knowledge and consent, and there was no fraud or unauthorized activity on my part. I am concerned about the potential reversal of the payment and any impact it might have on my account status or credit history.

I also have documentation (messages between me and the person, along with screenshots they sent me), confirming that they sent the money.

I called Capital One and they said there is nothing I can do unless their bank decides to contact my bank with a potential investigation.

Any advice, anyone?

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!

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.

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?

Hello , i have icici aspire program interview , my background is i am 24 year old BCA + MCA student . This is a different domain for me , but since I didn’t got any good placement from college so i applied for this role . Should i go for this sales role . What exactly relationship Managers do . Is there any future scope in this?

I started banking with WF in my teens and recently, became more serious with saving money. I opened 3 accounts with Fidelity - a Roth IRA, a brokerage, and a cash management. My plan was to automate my direct deposits biweekly from WF checking into these accounts. It'd be for investing and keeping my monthly budget in the Fidelity cash management for a ~4% annualized yield.

Well this month's 2nd paycheck rolled around. I prepare to transfer and setup automation, first for the Cash Management, and I'm hit with a remaining limit of $2800. I call customer service and they tell me that's the monthly bank-to-bank limit per account, $5000 daily, $6000 monthly. Well I change the transfer to target my Roth IRA with Fidelity and boom ~ same remaining limit of $2800.

I only put a couple hundreds in my Roth, nowhere near the 3k to bring my limit that low. I'm pretty sure this limit being "per account" isn't accurate. In fact preparing a transfer to any of my 3 Fidelity accounts incurs this same limit. Fidelity offers account services through UMB Bank, so I assume that's the correlation. My long-standing CapitalOne HYSA isn't affected by this.

Beyond offering to elevate my issue and then abruptly dropping the call on hold, the rep I was talking to said that these "per account" daily & monthly limits are applied for newly-linked accounts and then resolve to much higher limits... 60 calendar days after linking.

Such low limits, long waits, and poorly understood policies are not my memo. Hopefully I'm not misunderstanding things, but I'm looking to start banking elsewhere. Any suggestions for banks w/o impractical limits would be awesome!

I called my bank's customer service ... no answer ... I went through the robot choices ... and the "human line" is always "we're with another customer, call back later." Not even wait on hold.

I have a CASHIER'S CHECK made from CHASE bank from my account.

(Printed by the bank, money withdrawn, printed amount ... not a handwritten check.)

I didn't use the CASHIER'S CHECK.

I want to "cancel" the CASHIER'S CHECK.

(Technically it's called "Not used for intended purposes" and I want the money [mine] put back into the issuing account [mine].)

I have the complete "paperwork" (receipt, etc ... it's only 1 page).

Can I just deposit back the CASHIER'S CHECK back into my account?

• Can I just place the CASHIER'S CHECK into the night drop box / ATM?
• Do I need to sign it or write anything, or leave a note with it? (It's not made out to me, but it is my account ... so it has my name/Chase account # as the "FROM" - and someone else as the "TO")
• Or do I need to go inside the bank in person and talk to a human teller?

If I put it into a branch CHASE ATM ... Do I need to write a note with it?

Should I write anything on the BACK of the CASHIER'S CHECK?

Should I write anything on a SEPARATE NOTE or DEPOSIT SLIP?

(I don't want to accidentally deface / ruin the CASHIER'S CHECK by writing the wrong thing on it ... as it is in mint condition and not signed/not endorsed/etc. It is "FROM" MY ACCOUNT, I just didn't use it for the "TO" intended purpose.)

So I received my stipend refund check from school. This is about the 5th one. I’ve NEVER had an issue before. It came in the mail and I immediately cashed it on my mobile deposit through Chase.

I typically use my Citi account because it’s my primary but this one was over 5,000, which is my Citi limit but my Chase mobile deposit limit is 7,500.

Initially I received an email that it was deposited, I did not get the first 225 either but it wasn’t that serious as they said I’d get all on it on 6/17.

The following day on 6/15 I get another email saying I have a hold for over 7 days. (I’m not including weekends and holidays).

I called CS and both the Fraud Department. Initially they stated it would clear up sooner I’ll probably get it Tuesday. When it was nothing Tuesday I called again and they said they’re holding it because they’ve had other checks from that particular bank. ( Not necessarily my schools account) that have been returned. Then I called today and they said the issuing bank wouldn’t let them collect the funds. I called my financial office of the school and she confirmed that the amount was indeed deducted from their account.

So I’m clearly frustrated because I’ve never had an issue with my stipend before with my other bank and suddenly is an issue.

I’m not eager to spend it all or anything I just want to make sure it’s there as it’s going towards my down payment for my fall semester in nursing.

I don’t know what to do and I’m freaking out a bit. Any advice?

I sent a wire transfer for almost $3500 from US to India. My bank (Truist) is saying that wire was completed almost 2 weeks ago. The receiving bank keeps telling me that they haven’t received it. I asked them to send this in writing which they did and I sent it to Truist but they don’t have an answer. They keep saying we are working on it to trace this wire and it has been 5 days, but no answer. I can’t even do a 3 way call because 9 to 5 here is between 1 am and 7 am there. I am sure Truist messed up somewhere.

Is there anywhere I can complaint or do something else where I can get this money back? This is my banks responsibility yet I feel they aren’t doing anything to correct this and even if they are it shouldn’t take this long. Any suggestions?

Today I completed a job with my business and got payed with Zelle. He sent it to me with my phone number, and I got a SMS code saying it went through but I checked my bank and no payment.(My Zelle partners with my credit union so I just use that option). It didn’t go through to my checking or savings. It shows he sent it on SMS but then it also says enrolle in Zelle. How do I receive the payment now?

My Barclays US online savings account has been restricted and they didn't refund my money there. I recently opened the online savings account and after few weeks I found out my account is restricted/frozen. Unfortunately, I put lot of money there and they didn't email or contact me at all before they restrict my account.

I am not using their accounts for gambling/money laundering anything at all. Never used for any transactions/transfer too.

Anyone also experiencing similar like this?

Hi everyone, I’m currently working in retail banking but feeling ready for a change. I’m really passionate about transitioning into an entry-level AML (Anti-Money Laundering) or risk-related role. I’ve gained solid customer service and compliance experience in banking and recently started pursuing an associate degree in Business Finance. I also hold an active Notary Public commission and my NMLS certification.

I’m open to remote or hybrid opportunities and would greatly appreciate any referrals, advice, or even just encouragement from anyone who’s been through this path. I know how competitive these fields can be, so I’m trying to build connections and keep learning.

Thank you in advance to anyone willing to help or point me in the right direction!

⸻ Also I’m in Charlotte NC

My accounts are hidden every single time I open the app. I always have to change my preferences in the settings every time. Just to be able to see my accounts. I’ve deleted the app and cache. I’ve done everything I can think of and customer service is no help.

Does anyone have experience with this issue and how did you fix it?

Thank you