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]
posted by HiphopAnonymous
on Mar 11, 2014 -
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?
posted by lijiaxiaoniu
on Mar 10, 2014 -
I have near perfect credit. I only use my Discover card that I have rewards on and pay off the balance every month. I do have a credit card from a credit union that I never use.
I just received a letter in the mail that stated that the credit union credit card is about to expire and won't be reissued due to inactivity.
Will this affect my credit? If I don't care about the card, should I just let it "die"?
posted by kbbbo
on Mar 7, 2014 -
It's an alphabet soup that doesn't allow for even a relatively straight line between money and banks. The Treasury ultimately provided the money, the Office of Thrift Supervision was supposed to oversee the money, the Federal Deposit Insurance Commission closed banks that didn't qualify for the bailout. But who wrote the check and was ultimately responsible for those banks until they paid the bailout money back?
posted by CollectiveMind
on Feb 11, 2014 -
In a meeting today, I was told that Congress will be requiring Visa/Mastercard and the various banks that provide Magnetic-Stripe debit and credit cards to their customers to upgrade their technology to cards that incorporate SMARTCARD technology, with unique card ID-numbers. [more inside]
posted by shipbreaker
on Feb 7, 2014 -
We're shopping for a mortgage (in the DC area), and are feeling anxious and frustrated that 1) it's so hard to know who we'll end up with because so many lenders/originators are likely to sell our loan and/or servicing after closing, and 2) it's easy to find complaints about most servicers out there and hard to find anyone that's satisfied. What has your experience been like with the place(s) that own and/or service your mortgage? Or should we put all that to the side and just try to find someone with the best rates/fees and the best reviews/recommendations regarding smooth and quick closing? [more inside]
posted by EmilyClimbs
on Dec 20, 2013 -
I'd like to open a bank account from a bank of any EU member country, preferably opening it over the internet, and I am an American Citizen, in Finland on a tourist visa. (details inside) [more inside]
posted by crawltopslow
on Nov 22, 2013 -
The cash is in the account.
(Free and clear, not waiting on holds to drop or checks to clear.)
The Debit MasterCard is declined.
I call Customer Service.
The rep tells me that the account has exceeded the daily transaction limit.
It’s 4pm on Monday.
Special Snowflake details inside.
The cash is in the account.
The Debit MasterCard is declined. [more inside]
posted by RevRob330
on Aug 26, 2013 -
For the next three years, I will be paid in sterling pounds as an UK employee. However, I will be living in the Netherlands for the next 1-3 years (so, potentially during the whole contract). What is the best solution for a bank account that takes in pounds, but allows me to spend euros? I would like a Dutch, euro bank account for the time that I am in the Netherlands. I want to try to avoid transferring all of my salary to euros, as I may move to the UK soon... and transferring pounds to euros and back to pounds seems like a waste of money. [more inside]
posted by Peter Petridish
on Aug 24, 2013 -
What's the easiest, best, and cheapest way for a U.S. citizen moving to Toronto to get a Canadian bank account? Ideally before I arrive, if that is possible. [more inside]
posted by grouse
on Aug 21, 2013 -
I have a checking account at PNC Bank. I want to be able to deposit Canadian checks (in Canadian dollars) and they make it a really huge hassle: phone calls, forms, exorbitant fees and then a six week hold on the funds. Are there any US banks that will allow me to open a free checking account and deposit Canadian checks with a minimum of fuss, fees, and delay? I'm entirely willing to look to online options if that makes sense. I'm in Pennsylvania.
posted by ootandaboot
on Aug 15, 2013 -
So my UK Lloyds regular bank account was suspended while I was in the USA and now they want me to show up in a local branch. I have spent three days on the phone explaining to them that I cannot because I am in the USA at the moment.
They insist that I do and until then all my funds are frozen! Nightmare!
It looks like I will have to fly home just to show my face at the branch so I can access my funds. Anyone had anything like this? Do I really have to fly back to the UK just to ID myself?
posted by seatofmypants
on Jul 15, 2013 -
In an article
posted to the front page
there is this statement: Under the Dodd-Frank financial overhaul law, banks with more than $10 billion in assets are barred from levying overdraft fees on customers’ checking accounts. [more inside]
posted by Big_B
on Jul 1, 2013 -
"What are my options for a bank account that can have deposits and withdrawals in both the US and UK, with minimal transaction fees and good exchange rates for $-£ and £-$." [more inside]
posted by mhz
on Jun 23, 2013 -
I need help determining a) how a Bank of the West customer reaches the next rung on the customer service ladder, and b) if my complaint is valid. My home branch manager tells me he can do nothing more for me. I frankly don't believe this to be true. Unfamiliar with banking hierarchies, I have no idea who to call next. After hitting a wall with one branch, what is the next level up? I need to talk to someone who thinks reinstating $130 in surprise fees and repairing their relationship with a longtime customer is more important than seeing me unload my frustrations about BoW on review sites for all the world to see. [more inside]
posted by AnOrigamiLife
on Jun 12, 2013 -
I have Euros in an ICBC account in China, I don't have online banking setup, and I signed, I have signed up for xe.com which didn't help, NYC has an ICBC branch, but I called and they said they can't access my Euros for me (is that true?)
What are my options? is there anyway I can get my money without physically travelling to china?
I have trusted friends in China, maybe I can add someone to my account from here? or power of attorney? or close my account and have them send me the money to america? any ideas are apreciated
posted by crawltopslow
on Jun 5, 2013 -
I recently got a "courtesy call" from a local branch of Chase bank, asking me if I was happy with their service and if there was anything they could improve or anything else they could do for me or something. Why? [more inside]
posted by désoeuvrée
on Apr 26, 2013 -
I'm looking to set up a personal account in a local bank in Washington state. I want to work with a bank that does local business and isn't laundering hundreds of billions of dollars for drug cartels (or insert whatever other horrifying banking scandal comes to mind.) I need a bank with office and ATM locations in the Northwest part of the state, and ideally they'd have an ATM sharing agreement with banks/credit unions in other parts of the country (and Canada? does that happen?) [more inside]
posted by pleurodirous
on Apr 9, 2013 -
I am moving some savings to an online savings account to get a higher interest rate. I've had the Bank of America savings account for like 20 years. I'm going to keep my BoA checking account, but I'm thinking of getting rid of the savings account. If I have less than 2,500 in the savings account, I get charged a fee. Is there any reason to keep 2,500 in the BoA account - i.e. will the fact that it is an old account get me any leverage if I need to go to BoA for a loan or something down the road? The advantage of closing it would be for simplicity, and to free extra money up for investing or something.
posted by catquas
on Apr 8, 2013 -
Banking question: how to reclaim a joint account I had previously separated myself from? [more inside]
posted by ninjew
on Mar 26, 2013 -
Has anyone figured out how to approach a bank to purchase non-performing residential loans? I've approached a local bank. Although it would probably be in their interest to sell the loans, they don't seem to have a mechanism. I haven't figured out how to crack this nut.
posted by alcahofa
on Mar 23, 2013 -
It took a while for us to notice the pattern so when we reported fraudulent use of our Visa/debit card the credit union told us it is too late to dispute the charges. We asked if we should file a police report and they said we can do whatever we want. They were reluctant to give us the forms to file a dispute since it is past the allowed time but my husband wants it on record. Should we just do what they recommend and get over it? [more inside]
posted by krikany
on Mar 18, 2013 -
My former bank refuses to give me a refund on an un-cashed bank draft. [more inside]
posted by fiTs
on Feb 20, 2013 -
I have a friend who is having trouble getting access to the money her dad left her when he passed away. Her mother currently has control of the money and won't let the friend manage it herself despite the fact
that she is 21. The friend wants to know how she can find out her account information so she manage her own money.
posted by zscore
on Feb 18, 2013 -
I'm starting what feels like my first "real" job soon, so it's time to straighten out my good but messy financial situation. Need advice on: credit cards, banks, brokerage accounts, & budgeting. [more inside]
posted by acidic
on Feb 16, 2013 -
When did American banks first offer safety deposit boxes? If they were used in Civil War times, how secure were they? Got a great source on the topic? (Don't nobody worry, I ain't plannin nothin.)
posted by LonnieK
on Feb 13, 2013 -
I run my small company (freelancer) and want a kickass online banking experience; minimal fees, good TOS, photo check deposits, and sure, why not, ATM reimbursements. I won't mention my brick and mortar bank (out of Boston for 'citizens') but they leave quite a bit to be desired. [more inside]
posted by filmgeek
on Jan 29, 2013 -
Best bank for an American traveling Northern, Eastern, and Southern Europe, as well as Russian? [more inside]
posted by fuzzysoft
on Dec 26, 2012 -
I'd like to loan someone some money (a few thousand dollars). A friend needs it to finish school, and they don't have any good, low-interest options. I don't mind losing the money and forgiving the loan if they fall into hardship, but it would be a financial blow that I want to avoid; making it a straight up gift from the getgo is not appealing.
Is it possible to have a bank or credit union draw up the loan and service it for a flat fee? Any other ways to make the whole thing impersonal, legal, and low-hassle for me, while keeping it forgiveable at my discretion without impacting my friend's credit? [more inside]
posted by jsturgill
on Nov 30, 2012 -
Statisticsfilter: Given available information about the distribution of self-selected 4-digit passwords (specifically banking PINs), is it possible to calculate the probability of two randomly selected individuals having the same PIN? If so, what're the odds? [more inside]
posted by myrrh
on Oct 27, 2012 -
Hacking gmail to show me recently viewed messages? I am worried about identity theft after seeing an "open from 1 other location" message. [more inside]
posted by kettleoffish
on Oct 8, 2012 -
Seeking new bank for our growing small business. Our priorities are great customer service and seamless international wire transfers. [more inside]
posted by paddingtonb
on Oct 5, 2012 -
Where can I find a list of investor reporting websites for various banks? Not just general investor relations, but places with searchable asset-backed and mortgage-backed securities information. [more inside]
posted by loulou718
on Oct 3, 2012 -
Need to get data from hundreds of pages of bank records into a spreadsheet. We have a scanner with a document feeder, but would love some recommendations on software/workflow ideas. [more inside]
posted by capnsue
on Sep 29, 2012 -
Where can I change my Sterling and Euro banknotes to USD in Gainesville? [more inside]
posted by pont
on Sep 16, 2012 -
I withdrew money from Bank of America and received a fake 100$ note. What recourse do I have? [more inside]
posted by WeekendJen
on Sep 8, 2012 -
Is there a place online where (presumably they would have to be nice, I would guess) people would trade money for gift cards to stores at which they shop anyway? Or something similar? [more inside]
posted by jitterbug perfume
on Jul 29, 2012 -
I need a bank account for some work-related stuff. I need a debit card for it, like yesterday. What nationally available banks can I open a checking account with that will give me a (temporary, at least) debit card immediately? Bonus if they have a lower than $20 minimum balance. I'll be arriving in Wharton, NJ tomorrow to open this, so bigger bonus if there's a branch there.
posted by piedmont
on Jul 18, 2012 -
Is it possible for a non-US citizen who does not currently reside in the US to open a US bank account? If so, please help since I keep hitting dead ends... [more inside]
posted by widdershins
on Jul 18, 2012 -
Fellow lawyers: If all goes well, I hope to be extended an offer to go in house at a bank, after 7 years at big firms. Is there anything I should know, or any advice you can give? [more inside]
posted by 5845(f)(1)(D)
on May 31, 2012 -
What is a cheap yet secure way to send money from Canada to the US on a regular basis? [more inside]
posted by yawper
on May 22, 2012 -
How likely is a run on Greek banks? What would the short to medium term effect of a run be on Greek businesses? Would it effect different types of businesses differently?
posted by digitalprimate
on May 16, 2012 -