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?
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"? Thanks
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?
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]
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]
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]
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]
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]
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]
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.
Hi all, 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? Thank you!
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]
"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]
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]
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
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]
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]
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.