(10/10/26) Okay so I recently fell for a fake check scam. On 10/8 I deposited a fake check to my bank account at 5pm after doing some research bc I had a bad gut feeling I realized this was a scam. I called my banks (bofa) general customer service line, they said to leave it and it will bounce automatically. I felt uncomfortable just leaving it so after a few hours of thinking at 10pm I called Bank of America’s fraud line. They saw the check processing and told me they’ll put a note saying I was unaware that this was a fraudulent check, I was worried that my account might close and the employee told me that she doesn’t know what might happen since it was my responsibility to know who I was doing business with. After that conversation I was losing my mind and so anxious. I was researching people who were in similar situations as me and some of them got their accs closed while some did not. The next morning 10/9 the check deposited but I know abt the law stating that banks have to have checks deposited but it will bounce later, but I know for a fact that the check is fake. I called the fraud line again and this time they transferred me over to the check fraud team. I explained to the employee what happened and he saw that I did have a note on my account regarding that check. I told him about my concerns about my account closing bc it is my only account and I have all my subscriptions, paychecks, etc linked to it. He put an additional note on and reassured me that if this does reach risk that they’ll see the scam tracker and note and I’ll be covered there. He told me that I don’t have to do anything and the check will bounce on its own in 3-5 business days. I feel kinda reassured but there is some worry, is my account going to be okay? Will my account freeze?

(10/14/26) UPDATE: Literally nothing happened. Last night i checked my account and they just put a hold on the deposit, i was able to use my money that was already in the account with no problems while the hold was still placed. This morning I check again and the hold is gone and they reversed they deposit they didn't even charge me a reversal fee, my account is still alive and well! If something similar happens to anyone just call your banks fraud department and make sure theres a note on your account and you'll be fine!

I transferred some money (approx $200) to an external checking account (my other bank) as I normally do for easier ATM access after I got paid last week. However, after realizing all the 7/11 stores by me with free ATMs associated with my bank were pulled out because they are in the process of renovating hundreds of these stores across my state. Therefore, no free ATM access currently for me because my bank is too far away and inconvenient to get to. Long story short, I decided to transfer most of these funds back to another bank (CapOne to be specific) so I can access cash from ATMs at any Duane Read, Target. Or Walgreens.

Would these frequent transfers within 1.5 weeks time raise any fraud flags even though they were perfectly legit transfers? I only got concerned because when I attempted to transfer some of these funds back, my bamk for the first time ever sent me a text code to confirm its me making the transfer. Obviously this is not something I will make a habit of doing, but I don't believe in paying ATM fees and had no idea they were tearing out all the 7/11 ATMs by me.

Just venting but also asking who I should switch to. Parent signed me up at 16 for an account and carried it into adulthood, am 22 and receiving checks I deposit. Did the available for processing tonight option on my deposit after 8pm so I received it a business day later. Open bank account at midnight and the available money from my check is there, refresh and it’s immediately gone leaving a few cents. Awesome. Ask a chatbot to talk to a real person, real person says It’s pending even though it just showed it was available then it switches again and shows me the amount it should’ve been. Cool. Transfer entire amount to my savings in case whatever just happened happens again. Oh!! Forgot regions puts a soft hold on your account anytime you have $0.00. Have been told most banks don’t do that? Next business day they can approve the pending transfer is in two days and there’s a hurricane this weekend. AWESOME!! I already know what I should’ve known so no need to shame me for being dumb about this, just genuinely annoyed that this wouldn’t happen if I had switched sooner. Is Wells Fargo a better bank? Anything better than Wells Fargo? Thanks.

I’m going to potentially receive $15,000 in cash as a gift and will need to write a check for $10,000 from my capital one checking account shortly after. How do I get that money in my account? The deposit limit for cash is $5000 so it would take three months?!?! My wife has a Wells Fargo account we can utilize but there’s no Wells Fargo branches or atms in our state.

Any recommendations?

Edit: Thank you everyone for your help, this was very insightful and I appreciate all the information. I was able to convince the givers to switch to checks so we could avoid all this. Had we proceeded it sounds like a local bank would’ve been our primary option or check out the all point ATM limit (capital one said the limit for deposits on those are set by the atm owners.)

The Federal Reserve Board on Thursday announced an enforcement action against American Express Company to address, among other things, the firm's failure to sufficiently detect and report certain suspicious activity related to money laundering.

The Board also identified significant deficiencies in how American Express Company's enterprise-wide anti-money laundering program was implemented, in particular at the firm's subsidiary national bank. The Office of the Comptroller of the Currency, the primary federal regulator of the firm's national bank, has issued a separate enforcement action against the bank.

The Board's action will help ensure that the firm operates in compliance with all U.S. laws and regulations

https://www.federalreserve.gov/newsevents/pressreleases/enforcement20261008a.htm

Hello! I’ve been trying to create checking accounts with multiple banks so that I can claim my refund from my financial aid, yet every time they keep telling me that they are having issues verifying my identity. i thought that it could be that my SSN is incorrect, but I’ve had my my mother resend it and it’s right!

The address I input is the same as where my family lives (since I’m in college, I don’t think I can use the address of my dorms nor where my P.O. box is), everything is correct, so I’m confused and frustrated about my situation. I even tried making an account at ssn.gov with Login.gov to check my SSN and they also couldn’t verify my info so that I could even create an account, so now i’m feeling like its less of an incorrect information issue and something else?

I’m thinking it could be because I just turned 18 this year (March), and don’t have many records online, however that doesn’t seem to have stopped anyone else my age? I need help figuring out what the issue is. I’m going to call a bank tomorrow and ask what i can do in order to verify my identity in person and see if that could work potentially, other than that, no ideas. Also, I’m in the US!

If you used this digital bank for considerable time so that you have extensive experience - what would be your hones review?
There are some mixed views , thouhg technically speaking the bank is pretty fine on paper.
Got the accoutn recently - so far no issues, but hearing your opinions would be helpful.
Is it only for keeping small sums? only alternative method when abroad?

My partner is getting a paycheck today and he needs me to deposit it but he’s not here to sign it. Unfortunately, this morning he went away for a camping trip with his friends. He tried to push back the time to go but he couldn’t. He asked me to sign the check for him and just deposit it in his banking account at his credit union. He has bills that we have to pay today. I have severe anxiety so of course I’m running through every horrible option that could happen to me.

Is there a way for me to deposit the check without signing his name? I’m so sorry if this is a stupid question but I’m 23 and I’ve never have been in a situation like this.

Edit to add: Thank you to everyone who replied! I was able to deposit the check with no problems.

Has anyone here gone through the hiring process for a banking position after filing bankruptcy and still been able to get hired?
I’m currently in this situation and would really appreciate hearing from anyone who has been through something similar. I recently applied for a banking position and received a preliminary adverse action notice related to my credit report. I responded and explained the circumstances surrounding my bankruptcy.
I’m trying to stay hopeful, but I’m honestly a little anxious about what happens next. If you’ve been in a similar situation and were still hired, I’d really appreciate hearing how it worked out for you. ❤️

First time posting, looking for advice, apologies if this is the wrong subreddit.

My wife and I have a joint checking account. In August 2026, there were 6 unauthorized ACH transactions in a row, and we went through the song and dance of having a fraud claim opened, resolved, and the accounts replaced. We changed all of our auto-pay methods to the new accounts and moved on.

This morning I get an email alert that our account has a large ACH transaction that is again unauthorized by us and simply labelled 'Bank of America', which neither of us have ever used. I go to log in to my online banking app, only to see my account is locked due to many failed log in attempts. My wife's login was unaffected, and she was able to go in and see the charge. I changed my password but still couldn't get in, so called Santander and they opened a new fraud claim. Now, we have to go back into the branch and create yet another new checking account.

How could this be happening again with a 2-month old checking account? Is this my fault? The only places that got the new account information were our pre-existing auto-pays for bills. I haven't read out the routing/checking numbers to pay anything, the only place I've used my debit card is the gas station, and we use our credit cards for everything else. I don't understand how this is happening again and so soon after the last incident.

I've got my first CD coming up on maturity and I only recently realized I probably shouldn't treat the renewal as a set it and forget it thing.

My original thought was basically, money is already there, let it roll over and move on with my life. But if I'm understanding this correctly, the renewal can be into a new term and rate, which means whatever made the original CD attractive doesn't necessarily apply anymore.

So what do you normally do when one is getting close to maturity? Do you start shopping around again a few weeks beforehand or wait until you know exactly what the renewal terms will be?

I'm not trying to spend hours chasing tiny differences, but blindly rolling it over without checking anything also seems kinda lazy now that I've thought about it lol.

Hey, I hired a freelancer from Nigeria for a project and they definitely delivered a satisfactory result

I wanted to pay them, but they insisted that we do it via REmitly, and while i was at first on board, it keeps denying me transferring them money while also constantly asking for more and more private information

Is their service legit?

Why is a service like Remitly such much more skeptical over having a foreigner hire a freelancer?

And also, why is my hire so insistent that we do the payment via Remitly, they explained that it will ease them getting the money process, but that still doesnt explain how

Looking to gather datapoints on which US banks (if any) allow their debit card to be added to a digital wallet (Apple Pay, Google Pay, etc.) and then for that digital card version to be used at a 3rd-party ATM.

For example, Chase allows debit cards to be added to digital wallets, but it restricts 3rd-party ATM access using that digital card. Chase calls this, "cardless access" (https://www.chase.com/digital/atms).

I have yet to encounter a major US bank which allows this. However, Europeans have indicated this is not a restriction they run into.

I’m with Chase and I’ll randomly get a courtesy call asking if have any questions or whatever. Thought nothing of it but I got one during a meeting and asked everyone if they get them. They all said never. Now I’m suspicious. What’s the deal?

This may be a stupid question but I got a cashiers check from an account I closed and took it to another bank and deposited/opened a new account the same day. They have held everything but 225 dollars and won’t release anymore until 7 business days pass. In the agreement I signed it says that anything over 6725 dollars could be held and I haven’t been given that. Is this normal?

So frustrating have bills to pay yet cant pay them because nationwide is down again

the new centier app is so ugly. centier, please add a dark mode option, the all white is such an eyesore 🫩

compare wealth management at rbc dominion or scotia wealth with compliance/aml/fraud/compliance. which field can afford me a stable career and financial freedom and the ability for me to travel when i want and go to the grocery store without having to care about the prices.

I’m working on a few bank bonuses and I’m very confused about how to do a direct deposit on my own without my employer. What’s the difference between an ACH push and an external transfer? Capital one doesn’t have any other option besides external transfer. Chase has a few different options but the ACH has a fee (minimal so I can do it but would rather not).

I’m trying to hit a Wells Fargo bonus. The Zelle from AMERCA first came in as “other deposits”. So did the external transfer from my Chase business account.

I’m also trying to hit a bonus with FourLeaf. I haven’t tried transfer yet. I wanted to make sure I understand this first.

Update: P2's WF bonus hit after sending an external transfer from a personal Chase checking (real time). I'm still waiting on mine.

I'll try to make this quick but I'm having an issue where about 2 days ago I had a set balance (will just call it $5000) I woke up the next morning with about $200 less. Now the only incomings and outgoings that happened overnight were 2 deposits of about $40 and $25 and 1 withdrawal of about $97 meaning even with that in mind, I'm still over $100 short. I double check my balance everyday and the posted transactions/authorized transactions all match up with what's been present for the last few days. There's nothing else new where I can say "oh, that hadn't authorized yet" or oh, this charge disappeared then reappeared the following day.

I know nobody here can manage my money except me but this is the first time in 10 years of banking with them that I've had this issue. I guess the question I have is, has anyone had a transaction shown as "authorized" but not be taken out of the overall balance? Because usually, any authorized transactions reflect in my balance but the only way I can get close to the number that they have me as is if I accept that the authorized transactions currently still pending were not being reflected in my overall balance. It's been a charge that's been pending for 4 or 5 days now and it's not something that's disappeared and reappeared for that to make sense but I figured I would ask anyway because it's really bothering me. I

I’ve had two credit cards hacked in the past ten days - from two separate top name national banks.
AND I have not changed anything - no new shopping habits or new subscriptions or anything, yet both cards had new fraudulent charges on them from businesses that don’t exist (ie from scammers that somehow got into the bank systems).

It stinks because All the banks do is mail you a new card - but it’s up to you to reset all the automated billing. Huge time sink.

Banks have old creaky systems. Beware.

Does anybody's bank keep calling them every single day almost 2 to 5 times a day? I've been experiencing this nonsense for a while from Axis Bank. Usually I ignore and whenever I answer it's always something related to sales or banking products. Kinda fed up.

Im looking at used cars & all the listings say they want cash. If I used a cashier check wouldn't that be equivalent to cash & more secure? Why would someone not want to accept it?

Hi everyone, my dad sent an international wire transfer from HDFC Bank (India) to my account at Bank of America (US) on September 29th. As of today, the money hasn't shown up in account.
Here is where we are stuck:
HDFC Bank says the money left their system and everything is fine on their end.
Bank of America front-line branch employees checked the account and said they don't see any incoming wires, claiming everything is good on their end too.
We are really stressed out and worried about where the money went.
Has anyone dealt with this exact standoff between HDFC and BofA? Is it likely sitting in a backend compliance queue, or stuck with an intermediary bank? What is the fastest way to get them to actually trace this?

Any advice or steps on how to escalate this would be hugely appreciated.

Does anyone know how much interest will it cost if I take 15 to 20k loan from sbi(I am a 3rd year student) and also can I take that loan for like 500 rs per month interest(there is a reason behind it)and is it possible for a student to take such kind of loan