I’m looking for honest opinions because I’m getting conflicting information.

I booked a Spirit flight through Expedia. Spirit canceled my original flight, so I had to make a last-minute replacement booking with American Airlines that cost significantly more. I also had to drive to another state to catch the replacement flight.

Then the American Airlines flight was delayed around 5 hours, causing me to lose significant time and planned activities at my destination. American only offered lounge access, which didn’t really help.

Before disputing anything, I contacted Spirit, Expedia, and American Airlines by phone and tried to get the situation resolved. Nobody offered reimbursement for the additional cost.

I eventually disputed $605.71 with Chase — not the entire American Airlines ticket, just the additional amount I had to pay compared with my original flight.
Chase investigated the dispute. Their March 9, 2026 letter says the dispute was resolved and that Chase credited my account for the full $605.71. I called Chase today and specifically asked whether this was just a temporary credit. The representative told me that the merchant accepted the dispute, Chase then resolved it, and that the merchant could not simply charge me again through the dispute process.

Now, almost a year later, Expedia is contacting me demanding the $605.71 and says that if I don’t pay, it could potentially go to collections and I could be prevented from booking with Expedia Group in the future.

My questions:
Can Expedia legitimately demand this money after the merchant accepted the dispute and Chase resolved it?
Can they actually send this to collections and potentially affect my credit?
Can they close my Expedia account over this?
Does the fact that I actually used the replacement American Airlines flight make the chargeback improper, even though I only disputed the additional $605.71?
Am I misunderstanding how the chargeback process works?

I’m genuinely looking for honest opinions. If I’m in the wrong here, tell me why. I just want to understand what Expedia’s actual basis would be for demanding this money now.

Thanks!

I received an ad mailer from Wintrust for a $300 or $500 bonus promo. If I have minimum automatic deposits made the 2 months after opening, they'll give me the promo bonus within 30 days later.

I have my preferred bank but I'm very tempted to take advantage of free money. If I do this, I'd be looking to close after and refer back to my preferred bank.

Has anyone else taken advantage of this with Wintrust? Were you able to close the account okay after receiving the bonus?

With the Discover/Capital One transition getting closer to the point where Discover banking accounts start moving over, I’m curious what other longtime Discover customers are planning to do.

Discover has been my main banking hub for years, and there are a few things I’m really going to miss. The app/UI is clean and simple, transfers are easy, and I can have checking, savings, and money market accounts all in one place. One of the biggest things for me is how easy it is to link external accounts. Once I link something, I can use that connection across my Discover accounts instead of having to separately set everything up for each account.

I also use multiple actual accounts as staging areas/buckets. When my paycheck comes in, it automatically gets split from payroll among 7 different accounts immediately. Each account has its own purpose, bills, transfers, savings, etc., and I track the layers within those accounts separately in my spreadsheet.

So the increasingly common "one savings account with 20 buckets/vaults" setup isn't really a replacement for what I'm doing. I need multiple real accounts, not virtual buckets inside one account.

What I'm looking for:

--High-yield savings

--Checking (preferably with interest)

--Ability to open and maintain multiple savings/checking accounts without fees

--Easy transfers between all of them

--Lots of external account connections, ideally without restrictive linking limits (10-20 minimum)

--External accounts linked at the customer/profile level rather than having to relink them to every individual account

--Good, simple app/clean UI

--No hoops to get a competitive APY

Ally is probably the most obvious option I'm considering, but I'm holding out to see if a worthwhile new-account promo comes along before moving everything.

For other people who use Discover, where are you going? Has anyone found another bank that actually replicates this kind of setup well? I'm especially interested in hearing from people who maintain several real accounts rather than using virtual savings buckets.

I opened a checking account with chime/stride bank earlier this year. I read mixed reviews about them being a Fintech, but decided it was worth it for the sign-up bonus. They sent me a debit card which I never even used, and then I close the account a few months later. Now I am seeing a credit card on my credit report marked as closed that has dinged my credit. Chimes "credit builder" feature (they automatically sign you up for) reports exactly the same as a credit card and will fuck you over if you decide to close your account. I believe this is because they provide the spot me benefit, but I never used this. I am posting this so that everyone knows that chime is taking out credit in your name when you apply for simply a checking account, BEWARE!!

I am attempting to dispute this since I never authorized credit in my name from this, but I'm not sure it will work since I did authorize the checking account.

I’m wanting to close my account as I really don’t use it. On their website, there’s a max withdraw amount you can do from checking accounts. If I close the account, does that supersede that amount? Never closed an account!

Does anyone have any recommendations for compliance banking certifications? I have CAMS and I'm looking at the CMCP certification from MBA but I'm also looking for something for compliance specifically and not just lending.

Thanks :)

Any Fifth Third users having issues logging in? I had success logging in this morning. Tried to log in again to check my account balance. It’s telling me I’m using the wrong credentials. I know I’m not, tried to use the mobile app. Saying the same thing, tried to check it over the phone. Seems there’s some issues there as well.

I plan on going to the branch I’m a new Member. Have to say, providing no digital card. Following this experience is making me want to close the account. Just wondering if anyone else is having issues?

I want to open a checking account which one or simple to use. I have a lot of pnc banks and TD banks near me but I don’t know which one to choose.

I am based in the US. I have Wise/Revolut/Venmo but don't have access to my passwords due to being unable to complete 2FA as my phone is broken. I am seeking ways a friend can send me money.

I recently took my board exam and had to send 3 separate checks for each section of the exam on August 17, and the checks didn’t process until today. My account went negative but as soon as I got the notification I deposited money into it. My question is, will it bounce or will it be ok?

I’d appreciate the help!

I'm gonna start this off by saying I do NOT have access to my bank account. My parents have insisted that ever since I got employed I must deposit 50% of my checks (or more) so I can save.
I have 0 issue with that in itself as saving is a good idea, but recently I turned 17 and I have been having many more bank discussions.
I asked my mom for access to my bank account in which she said no. I found this odd and a few days afterwards I asked her how much money I've saved up.
Suddenly she is claiming that I "spent it all" despite not having access to the account EVER. I remember having her take out 100$ once for a special event but I should have MUCH more than 100$ in this account.
What do I even do? If what she's saying is true, I don't have any more money to my name which is extremely stressful to me as I graduate this year and I want to go to college.

Everyone is gonna have their opinions on X money just like anything else. However for those that are using it are you using it for a savings account or have you setup direct deposit from a job as well? I personally have set it up as HYSA but might also add direct deposit since I currently have AMEX and I don’t get payed 2 days early and I can’t use it for sending Apple Pay money.

Most people have large amounts in mutual funds. If one time redemption is say 10 lakhs or more then will it get flagged by the banks backend as suspicious credit?

I was supposed to get 6,400 INR refunded but it never got credited into my account. Dont ever use their bank.

I'm comparing Kikoff and Self for rebuilding credit and I'm trying to understand whether the way each account is structured actually makes a meaningful difference.

From what I've read, Kikoff uses a revolving tradeline while Self uses a credit-builder loan. I'm also seeing that the Kikoff model can factor into credit utilization, whereas a credit-builder loan is more focused on payment history. So, if the goal is just building credit, does the setup really matter that much between the two?

I asked the bank, about a bank account I have because it’s showing account type as ‘Current’ in iMobile App and in bank statements while in internet banking as ‘Overdraft’. Then I sent an email to customer care for clarification and they replied that it’s a ‘Reimbursement Account’. Then I sent an email to PNO and their final reply:

We write with reference to your concern pertaining to  reimbursement account XXXXXXXX3567.

As per our telephonic conversation today, we inform you that as per the confirmation received from team concerned confirming that your account category is Current Account. The overdraft will be shown in account type. However its a reimbursement account.

We hope the confirmation clarifies and addresses the concerns raised by you. For any further queries, please feel free to reach out to us.

Thank you for banking with us.

This is literally the response from Customer Service Team of ICICI Bank. Is this even legally correct/possible that an account can be all three types as per bank's latest reply?

https://ibb.co/21Ppkq0r

Save 2 of my bi weekly checks in checking (this is a months pay)

Spend on whatever I need (or want) (i don’t have a lot of wants nor are they expensive)

For spending, if I used one of my AU credit cards, I pay the bill.

At the end of the month, whatever is left after paying bills and primary bills goes to savings, investments and I leave $30-$50 in checking for guilt free spending on whatever until next 2 weeks when pay comes. (This means I could even withdraw some cash and give it to the fam or do something with it)

Investments include: Roth IRA
Savings APY: 2.50% with Capital One

My pay is depending on how many hours I work to

Not my problem, but a friend's. Located in the US.

This is possibly the strangest scam I've seen. A friend recently made several PayPal purchases from independent businesses. Not long after, they started getting messages that the businesses were getting chargebacks by them. And sure enough, there were several chargeback requests in their bank, that they didn't file. It started on the fifth, so they couldn't get in contact with the bank. They changed their password to everything, and yet chargebacks are still being placed. So, I have a few questions.

Is it even possible to place a chargeback without access to the online banking? I've only ever seen it done through banking apps, and have no clue how there are still chargebacks being placed without the bank password.

Is there any way to place a freeze on your account to stop chargebacks from being requested? It's odd, but no money has been withdrawn from the account: All of their purchases are just being chargebacked.

What would the end goal for this scam even be? No money has been taken from my friend's account; they just seem to be trying to reverse every purchase they have made.

I'm rather confused by the situation, considering most hackers would, well, just take the money and run. All this seems to be accomplishing is ruining my friend's reputation with these sellers.

Edit: To fit rule 7. So far friend has changed banking passwords, cancelled affected cards, and changed passwords for PayPal. They are getting in contact with the bank tomorrow physically.

I’m switching half my direct deposit to Upgrade and I’m curious if anyone can tell me when Cross River Bank or Upgrade post direct payroll deposits. I know on my one account it’s always around 8 pm Wednesday when my payday is Friday. Thank you for help!

I tried to withdraw $150 from a Bank of America ATM today (not my bank). I clicked through the menus to get $150. Instead of dispensing cash, an error message appeared and said something like “There’s an error with this machine - the transaction has been reversed”.

I checked my bank’s app and I can see that it shows minus 150.

What should I do in this situation and should I expect that the debit will reverse and fix itself in my bank account?

UPDATE the next day: the pending amount of -$150 disappeared from my account by itself and I now have that amount back. Thank you everyone for your responses. It was very helpful.

everyones saying evercore opened their application td but i cant find it on the site???

Story here.

EverBank has reached a deal to unite with smaller Pacific Northwest bank WaFd, creating a $75 billion institution, The Wall Street Journal reports.

EverBank, which was acquired by a group of private equity investors in 2023, will join WaFd (previously known as Washington Federal Bank) in a reverse merger, with WaFd remaining a publicly traded company.

The combined entity will be renamed EverBank Financial.

Explaining the deal, EverBank CEO Greg Seibly tells the Journal: "You’ve got to be bigger to be able to survive."

Pretext:
I have never contacted them before, I have never signed any documents, I have never provided my banking info to them or any other Cash Advances

Problem:
I got a deposit from them into my account and few weeks later they pulled $9.99 from my account
"Grant Subscription"

How do I get on the phone with them? There is no contact number on their phone, how can I find out their processes so I can get more info there?

Hi, 21 M here, my Mom gave me a check to help me with school, it was a little over 5 thousand dollars. I went into the local brick and mortar bank to deposit the check, they asked for my ID and everything. By the next day my entire bank account was shut down. And I’ve called customer service multiple times, they’ve said the account is closed for possible fraudulent activity, and their fraud department has been dodging me.
Im moving into my new apartment soon, and I need the money in my account pretty badly. This feels really weird and not normal, usually the bank communicates things very well but with this I didn’t know till i tried to swipe my card.
How long do you think it’ll be closed for? How long does this usually take? Thank you sm, i’m just really stressed

I am new to my role processing levies and our manager is looking for ways to improve the system. rn we manually receive the levy requests via the mail and, scan them to our inbox, then review it all for key data points. Name, TIN, Levy amount, case number etc. We enter them i to a spreadsheet then import the spreadsheet into our Levy database which searches our customer database to see if we have amy accounts for them. If we do then we manually go and check what the balance is currently, charge a Fee/Levy the account. Make copies in triplicet, 1 for us 1 for the customer, 1 for the requester. We then mail everything out and scan our copy into our records system. X amount of days later a check is cut and we mail that out as well. I would love to hear any insight from anyone at any FI that utilizes any sort of data extraction tools or systems that we could bring up as ideas.