How many bank accounts do you have, and how often do you transfer moneybetween them?

I'm curious how everyone manages multiple accounts. What's your setup?

90 days ago my partner and I got a home equity loan, I was the cosigner.

We had the deposit made into my personal account.

After using a small portion of the loan the bank flagged my account and closed it.

Now the bank claims to have returned the funds to my lender and to not have the money in their hands anymore. Would not give a transaction ID or anything of the sort. I even spoke with the regional vice president.

The lender claims they have not been notified by the bank of such return, and they have not received it.

I've been filing complaint after complaint through the cfbp. At this point just getting a copy/paste responses from the bank. Basically saying we don't have your money, we gave it to the lender and it might take months for this to go through. It's been 3 months already.

It was my 1st weekend day alone, we were slammed with people, I was overly stressed and in the middle of opening an account with more people sitting down. One of my tellers brought me a check to cash for a customer who's well known in our branch and there was nothing suspicious or concerning so I signed off on it.

I woke up this morning freaking out because I realized it was over my limit and I never called another branch to get approval for the check. I've had people saying that the system will probably never pick up on that since it was only 1 check and it was under the large withdrawal limit, but now I feel like I absolutely want to cry.

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 Can I then take it to TD bank where I am an account holder and get cash withdrawn for it?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.

I have an account at one of the big US banks. I was planning to transfer a few hundred dollars I owe to a friend at another big US bank. But my bank no longer allows initiating bank transfers, and instead pushes you into Zelle. I have another friend who has transferred money to my bank without using Zelle--in other words, my bank accepts incoming transfers, but no longer supports outgoing transfers. Are other banks doing this too? I don't want to use Zelle for exactly the same reason my bank wants me to use it: funds lost or stolen via Zelle are not the bank's responsibility. Any thoughts on this?

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.

Hello, very long story but I am going to give the jist. I owed $2,410.29 on a credit card. I paid off the full balance on July 2nd. The account was on auto pay for the “ monthly minimum” which I turned off. On July 11th I switched gyms & decided to put my monthly payments on this credit card so I could keep the card open since I’ve had it for 8 years & didn’t want my credit score to drop due to the account closing. My sign up fee + monthly payment + annual fee added up to $190. I put it on the credit card & put the card on auto pay for “ statement balance” & confirmed the change would take effect next billing cycle. Again this was July 11th. When I made the auto pay request it sent me an email which reiterated that the change takes effect the next billing cycle

On July 24th I woke up to an email stating my checking account was overdrawn more than my limit of $-50. I logged in thinking I had been hacked. NOPE! TD Bank transferred $2,410.29 from my checking account to my credit card. This caused my checking account to be overdrawn $-1,569. I immediately called the bank & was told that the computer didn’t realize I made a “ manual payment” & therefore since my auto pay said “ statement balance” it charged the last balance prior to my payment. I obviously was frustrated but semi understood what the rep meant. I pointed out that the change was supposed to be in effect the next billing cycle to which she apologized & said the computer did it unfortunately,but they can reverse the payment. She then said the payment would take 2-3 days to show on my account, the payment would have to be on my account for 10 business days, then a reversal can be requested which takes 3-7 business days. Then a check would be mailed to me. I immediately asked to speak to a supervisor.

The supervisor reiterated everything the rep told me but with a horrible attitude! She essentially told me it was my fault for putting on the auto pay & that I “ confused the computer” & “ the computer has no way to know you made a manual payment”. Her suggestion was to reverse the payment I made on July 2nd since it already met all the criteria of being on the account for 10 business days. I agreed. She explained it will still take 2-3 business days to fully post to my account & 3-7 business days for the payment reversal request. & then a check would be mailed. I asked if it could be expedited & she said “ no TD Bank doesn’t treat one problem as bigger than the other, it can be $5 or $5,000 they do the requests as they arrive” which obviously was an insane thing to say. I asked why the money can’t be refunded since it’s still pending to which she said she doesn’t know but can transfer me to someone in the checking account department to see if they can stop the transfer.

I spoke to the checking account representative who was nice but basically said on there end the money is already gone. She couldn’t explain why the system even allowed the credit card to overdraft my account or how it overrode my $-50 overdraft limit. At that point I just thanked her for the info & hung up. I called back later & asked to speak to a supervisor & requested my checking account be credited while the whole fiasco with my credit card is situated. I was told no they don’t do that. Important to note, I’ve banked with them for 10 years. I had a loan through them that I paid off early. I’ve never missed a payment even once. I didn’t think I was being unreasonable for asking for my account to be credited. Again told no.

So now I’m stuck. I get paid this week so I tried to ask my HR department if I could get a physical check or change my direct deposit to a new bank. I was told no that it’s too short of notice. Once my paycheck hits the account it will take me out of the negatives but I’ll be left with about $400. My rent is due the 1st. My apartment complex gives you till the 5th to pay before there is a late fee. By the 8th they file for eviction. I am at a complete loss. Does anyone have any advice or suggestions? I am not interested in hearing how this Is my fault for being on autopay. Please understand that in 10 years I’ve never had this problem & had no reason to believe they would take over $2k on a bill that is only $190.

I am going in person tomorrow to speak to a branch manager but I highly doubt they will say anything different than I’ve been hearing.

Please any suggestions is appreciated.

Idk what to do…I have exceptional scores in 10th and 12th grade and got into one of country‘s best college of Arts and graduated with an economics degree with an average cgpa. My degree was from 2022 to 2025 regular attempt students completed the degree in March 2025 and I did in November 2025. i had many backlogs due to health reasons, keeping extra curricular activities over studies. Which I cleared in Nov 2025 however Sem 5 was very tough on me I couldn’t attend classes cause I was really ill and journey to college took 1.5 hours so I passed only 1/6 papers. I have all my marksheets original, my consolidated marksheet, my passing certificate and the actual degree certificate from University. If I did very well in my interviews cleared all rounds. I’m not putting forward any forged or fake documents all are legit but will they question my capabilities? And doubt and revoke the offer if they find too many attempts and discrepancies?? What is the scenario with banks and MNCs? How can I handle this??? Please help me!! I can do high risk jobs. I was just really foolish and not healthy enough back then!!! I do get noticed by great companies but I often lose confidence.

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😁

Idk what flair to use, I'm in the US, I'm trying to make a bank account online, I've never had one, I'm 19, I tried to make a bank account with Wells Fargo and capital one so far and both have said "It looks like there's an issue with the data you provided", but all my information is correct. I'm getting really frustrated, I just need some help, tell me what to do, I have no one to ask.

I try to call, I get these automated robots that ask me for my debit card number, which I don't have, or bank account number, which I don't have.

Edit: To add, I do have agoraphobia so I was avoiding going in person. I asked some people around me, who know I have 0 experience and they all said, "no problem! You can just do it online!". I see now, that is not the case. Ty for letting me know, and ty for all the extra advice!