I have a Bank of America rewards card. I'm thinking about using the option of a BOA savings account to cash out my rewards for more cash back. Is this a mirage of a deal and will I incur unwanted financial scrutiny because of it? [more inside]
I was given a check by a client made out to my uncommon nickname. My credit union refused to allow me to deposit it "because it might be returned". They told me to get a new one written, but for various reasons it was really hard to get this one from the client in the first place. What would happen if I were to deposit the check in an ATM? [more inside]
I make a little bit of money on Flattr each month, and want to transfer it to a bank account. A transfer to my Sallie Mae money market account was rejected; seems they don't accept transfers in Euros or may need some handholding to set it up. What's a decent US bank (preferably of the internet bank variety) that will accept money transfers from the EU in Euros without a lot of bother? [more inside]
I opened up a safety deposit box, and was surprised to learn that my bank uses a "face recognition" program (not working at the moment, don't worry, we'll fix it soon) to control access to the vault. And thus, the box I'm renting can be unlocked with only my key. Is this practice standard for big banks these days? [more inside]
Because Reasons, I suddenly will be receiving $450K from a family inheritence. I'm in California. I have, like, a normal-sized bank account like normal people who don't usually receive $450K suddenly. I am going to have to find a financial planner who can advise me how to deal with this money long-term, but where am I going to put it, like, next week when they want to give this to me? [more inside]
So it occurs to me that my entire household is supported by two jobs vulnerable to automation. How long do we have, in your opinion? What steps can we take to make sure we don't end up begging in the street? [more inside]
We've been using the investment service our local bank provides, but advisors keep leaving and we have to explain again what we want. The latest was the best; he understood our needs and managed our money well. Now we've gotten a call from him saying he's left the bank and hopes to keep us as clients; we've also gotten a letter from the bank saying "[new guy] is replacing [old guy] as the Investment Advisor on your account(s)." We don't really want to change advisors again, but we also don't know what's involved in the decision; your thoughts are welcome.
Hello, all. My grandfather passed away a few months ago and he has some bank accounts and safety deposit boxes for which my grandmother has no access. [more inside]
I just closed on a cash-out refinance to pay for a home renovation. I have a $100,000 check--what do I do with it? [more inside]
I have (correction:had) a bank account in the US with Chase. They have closed my account for an undisclosed reason, so I am now seeking suggestions for a new bank in the US. [more inside]
I got the money back from my bank, closed the compromised account and filed a police report. So... what happens now? What will the police do? What else should I do? [more inside]
I am preparing to depart Nepal, and need to pay several hundred dollars for some different things. Umpqua bank has chosen this time to stop allowing me access to my account. [more inside]
I want to order checks from a third party where it's not stupid expensive. There are blanks for "Bank Name" and "Bank Address" on the form. My bank is Wells Fargo (previously Wachovia, previously... etc.). Wells Fargo has many addresses--which one do I put here? (I do not have, and have never had, any Wells Fargo checks to compare to--my most recent checkbook was still Wachovia.)
Fraudulent charges were made to my debit card. In the end my bank has taken the hit and refunded all the stolen money. However, I’d like to understand how it happened. [more inside]
I live in the US and I want to buy a pair of Museumkaarts (multi-museum passes) as gifts for a newly married couple who are about to move to the Netherlands. The website is set up to support purchase only with a Dutch address, which I do have for the couple, but also a Dutch bank account, which I don't have. Their customer service couldn't offer any alternatives. Is there a way to make this happen? [more inside]
I have an empty safe deposit box in a different state at an old bank... and I cannot get them to close the account. [more inside]
I'm a Canadian. I had to pay an Amercian $1000.00 US. A check for approx $1300.00 CAD (the additional $300.00 covered the currency exchange) from our Canadian bank was sent to the American. When over $1700.00 was withdrawn from our account, we discovered that the American had written "US Funds. Not Canadian." on the check before she cashed it, essentially stealing over $400.00. [more inside]
This is a follow up to this question. After My friend did more digging it turns out he was a victim of identity fraud and his bank account was emptied by the culprit making max ATM withdraws everyday over a period of two months. HSBC is not helpful in recovering the funds. Can you please help recommend a lawyer who would be useful in pursuing these stolen funds? Thanks
Looking for recommendations for currency transfer services that are reputable, reliable and won't tack on as many fees as an international bank wire. This is for sending from a personal bank account in the US (from USD) and transferring to a personal bank account in South Korea (to KRW). In case it makes a difference, I'm interested in both of these scenarios: [more inside]
I am with Scotia Bank in Canada, and between every 3 and 6 weeks, my bank card just stops working. Scotia has prevented people from swiping it. It leaves me without cash. I cannot take money out, and I cannot use it on POS terminals. [more inside]
I'm looking for a rewards credit card that will email me my balance--not just my purchases--daily. My current card will email me all my purchases as part of its fraud alert service, but I still have to log in to check my balance. Do you have or know of a card that will email me my balance? I'm pretty sure I had one like 15 years ago, but I don't remember what bank it was with.
While accessing my safe deposit box at Bank of America, I discovered my branch has eliminated their paper signature card system. This concerns me, aren't banks required to maintain physical signature cards for safe deposit box access? [more inside]
I'm shopping for a new basic personal checking account at a bank or credit union in the L.A. area, because I no longer qualify to get the monthly fee waived at my current bank. Must-haves: Need to deposit paper checks reliably, with a fast availability of funds. Online banking must have two factor authentication. Lower fees: say, under $10... under $5 would be better... free would be excellent! I've put a list together... can you help me think of other candidates? [more inside]
Is there any way to maximize credit/income by purchasing two houses at one time without the bank knowing about it? And is it legal to do so? [more inside]
My family has inherited a piece of property that generates income. Whereas the property once had a single owner, now it's split among myself and two or three other people. Some questions inside about how to manage/title things--most importantly, how do I title a bank account for this? [more inside]
From the soundtrack to a short video about a pre-Colombian Music exhibit at the Museum of the Central Bank of Costa Rica. [more inside]
Help me find the swift code or domestic routing code for Mexican bank called BanCoppel so I can send money to my friend in Mexico via xetrade. [more inside]
TaxFilter day continues! In 2014 my mother-in-law made my wife a cosigner on her German bank account. The account is substantial (over €100,000 but under €150,000) and, of course, we need to fill out FinCEN 114 and IRS 8398. The instructions for IRS 8398 only cover "joint" account holders in the context of marriage. How do we approach this? [more inside]
Hello! I've got a second (and final) round of interviews for a content position within a major international bank in London. In this one, they'll be looking at the "cultural fit". Do you have any pointers on what they mean by that? What kind of "standard" interview questions should I prep for? Thanks for your help!
Mom went to Citibank this morning to collect some items from her safe deposit box. Today, she opened it (with the employee's assistance, per the bank protocol), and they both discovered that the box itself was gone. We spoke at length with the branch manager, but they're refusing to give us any written affidavit or anything that we'd need to file an actual police report. Does anyone else have any info for situations like this? (Beyond lawyering up, which I'm ready to do!) [more inside]
I provided a bank statement as my proof of residency. Is this bad? [more inside]
What is the cheapest way to transfer money to a friend who is currently in the Middle East? [more inside]
My industry has just had a Black Swan event and has entered a period of systemic risk. [more inside]
I am curious as to whether blood banks share blood across national boundaries. For example, do Canadian/Mexican blood banks have access to blood products in American blood banks, and vice versa? [more inside]
Someone is trying to send money from Canada to the USA and it must not get lost, misdirected, or stolen. This has proven to be harder than it sounds. What's the best way to do this? [more inside]
Me and my partner are spending October through March on a working holiday in Australia. Our goal is to save money to bring back to the USA with us. What should we know about banking in Australia? How will we go about getting our money back into our US credit union while minimizing loss due to fees & exchange rates?
Is there a downside to being added to someone's bank account? Many, many special snowflake details follow. [more inside]
Is going with USAA significantly better or worse than using a local mortgage broker who sells our mortgage to another bank? Will USAA allow us to close on time, if the closing is 5 weeks out? [more inside]
Hi, can anyone recommend a child's bank account in Canada. [more inside]
We are moving from Florida to San Francisco and need to change banks- we're not super knowledgeable about this stuff and will definitely research more, but I'd like to get some on-the-ground opinions on how various local banks/credit unions have worked for them. Great customer service and low fees are of course stuff we care about a lot. [more inside]
Are there any no-fee business checking accounts for a sole proprietorship? Pretty much no services are needed other than an account that is separate from personal finances.
Is there a simple reason why many (the majority in my experience) of the banks and financial websites ask you to confirm that you want to logout. ie when you click 'logout', they then ask 'are you sure you want to logout?'. I would have thought that in a highly sensitive site like my banking account, they wouldn't want users to accidentally remain logged in and therefore should take the 1st click as the logout trigger. Asking for confirmation surely leaves chance that the user will miss it and accidentally leave themselves logged in? Plus I find it annoying. But it seems to be common on banking websites but not on shopping sites, etc. Why please?
I am pissed that I got THREE non-sufficient fund charges from my bank for the same single payment that did not go through. What can I do about this? [more inside]
I've just moved to Albuquerque. What ethical bank or credit union should I use? [more inside]
I'm collecting donations for a group project, but don't want to deposit the funds in my personal bank account. Is there another type of account I can use instead? [more inside]
I have a check in Australian dollars that I need to deposit here in NYC. Citibank says it will take 4 to 6 weeks to process and they also have a $30 fee. Is there a better option?
My company and industry is under widespread and sophisticated B2B wire fraud attack. Help me locate the vector or mechanism, please. [more inside]
I am an American, I was here in Finland on a visa waiver, and now on a temporary waiver extension as I am waiting for my "temporary residence permit" application to be processed. I'd like to open a bank account, but the banks here in Finland won't let me. Is there any bank in the EU that I can open a bank with, but without me having much proof of residence?(I only have a letter from my doctor saying I am here recovering from surgery and doing followups). I am subletting a room in a shared house, and have no official paperwork proving so. Ideally I could open a bank account online in Europe, but I could fly there in person if need be. Thanks.
I was recently hired at a big commercial bank, but I personally bank at another. Should I make the switch? Does it even matter? [more inside]
Please help my friend not get screwed over by his own lawyer in recovering dormant bank acct funds. Here was my last ask metafilter question. For my friend who had his Mexican HSBC bank account closed, and Someone me-mailed me and recommend he find a lawyer on the US Embassy site which he did. It seems HSBC closed the account because it was dormant (something similar to this situation maybe?). The lawyer said he thinks this was illegal, and that the lawyer has contacted top executives at the bank and that the lawyer can recover the funds if my friend can give 30% of said recovered funds to the lawyer as a fee (this fee seems exorbitant). Half to be paid now, and half to be paid upon obtaining the funds in the dormant account. This seems like a huge fee, for which the funds that are probably legally available to my friend by some other simpler means. My friend can't go to mexico for at least several months, and when he calls HSBC in Mexico they say they can't give him any more specific information about his account unless he comes to a branch in person, in Mexico. Any advice on how can pursue this without getting hosed for 30% of his own money?