348 posts tagged with banking.
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Safe Deposit Box Hell

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]
posted by LittleMy on Oct 27, 2015 - 4 answers

Help me find a IT BRM Certification for the financial/banking industry

Our organization is introducing the Customer Success Manager role, and after getting the "Industry Standards" certifications (ITIL Expert, CGEIT, TOGAF), our boss has asked us to suggest where to go next. I´m looking for a value realization certification (a la BRM) to help our customers get the most bang for their money and at the same time, help our company to increase its business and specially contract renewals. Can you help me out? (More after the jump). [more inside]
posted by Matrod on Oct 6, 2015 - 1 answer

Choosing an out-of-area credit union

I'm dissatisfied with my local credit union and am interested in taking my business elsewhere. They are the only game in town, so I'm wondering how best to assess my options for online only or at least long distance friendly credit unions. [more inside]
posted by contraption on Oct 1, 2015 - 3 answers

How many bank accounts is too many?

I have credit cards and banking accounts scattered across a bunch of different institutions. I've just kind of patchwork-accumulated them over the years and I'm now wondering if this will have any actual impact on my credit score or have detrimental effects to my finances. [more inside]
posted by thebots on Aug 12, 2015 - 14 answers

Low-fee checking with 2-factor authentication & fast check deposits?

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]
posted by anonymous on Jul 20, 2015 - 9 answers

How and whether to combine bank accounts?

My husband and I have had separate bank accounts, and are starting to finally merge them. Is there any point to keeping my banking separate? [more inside]
posted by anonymous on Jul 14, 2015 - 29 answers

Why is Citibank suddenly being nosy?

I have a Citibank credit card and I make payments in cash at a local branch (this is my preferred method of payment because I get paid mostly in cash). I do not have a Citibank checking account. Today the teller told me that from now on, anyone making a cash payment must show their driver's license and provide their SSN, phone number, home address, and occupation. Why? [more inside]
posted by désoeuvrée on Jul 1, 2015 - 15 answers

Can an ATM in California accept payments for an Ecuadorian credit card?

My wife is Ecuadorian, and we are relocating to California permanently. She has two credit cards issued by a major Ecuadorian bank, and we need to figure out how to make payments on them from the United States, as there are some charges that will post after we have left the country. The bank assures us that we can do so from Cirrus-network ATMs in the United States. I am skeptical, as I have never seen anything like this in Los Angeles. [more inside]
posted by quarantine on Jun 14, 2015 - 7 answers

Is there a service for an informal shared bank account?

The ladybro and I share a lot of expenses. Generally, we split everything down the middle, but that's the result of an end-of-the-month manual accounting that's a real pain in the butt. We decided to simplify and start a small join bank account, but nearly every brick 'n mortar bank has conditions that end in big fees. Is there a simple banking service I don't know about? More inside. [more inside]
posted by GilloD on Jun 7, 2015 - 15 answers

Help me choose an American bank

I'm a Canadian who got a job in the US and is moving to New York. I need to open an account at an American bank. What's a good American bank? Any to avoid? Is there a difference or are they all the same? (Alas, for those tempted to say TD, it actually confers no advantages to those from Toronto OR the Dominion.)
posted by bicyclefish on May 24, 2015 - 20 answers

Article about unmaintainable software on bank mainframes

Please help me locate an article I read online a couple of years ago. Essentially it went like this: the core software that banks use to run transactions is very old and hard to maintain, and they're terrified of breaking something by trying to integrate new features. Therefore, "instant" transactions via online banking aren't really instant: what actually happens is that there's an elaborate front-end emulating the functionality of the core system. Every night the front-end system delivers all the queued-up "faked" transactions to the core system, which actually processes them. [more inside]
posted by pont on Mar 19, 2015 - 4 answers

Best location for emergency funds

I am in the market for a new home for my emergency savings. My current bank is a joke and I need some consistency so my money doesn't become nomadic. [more inside]
posted by selfnoise on Mar 10, 2015 - 18 answers

How Can I Profit from Falling Oil Prices?

Oil has fallen by more than 50% since July 2014. How can I benefit from that fall, either by: 1. Gas banking - Is there a way I can buy gas at the current low rate and use it later after prices have risen? 2. Buying stock - Either a sector fund through an investment firm like Smith Barney, or buying pieces of stocks individually like through Ameritrade or Sharebuilder? 3. Or some other way? Or should I just buy the cheap gas and enjoy the reduction as long as it lasts?
posted by CollectiveMind on Jan 12, 2015 - 18 answers

How to reduce fees when transferring money from Europe to Australia

Please recommend a currency broker (or any better mechanism) for the cheap and secure transfer of a big amount of money between Europe and Australia. [more inside]
posted by anonymous on Dec 4, 2014 - 8 answers

How do you decide on a bank?

Now that we're married we're finally getting around to opening joint bank accounts. I figured it would be pretty simple to just pick any random local bank and open a free checking account to pay our joint bills, but there seem to be a lot of options and it's getting overwhelming. I'm also considering moving my personal accounts if we find a particularly good bank, so maybe that's a mitigating factor? [more inside]
posted by backseatpilot on Nov 3, 2014 - 23 answers

Canadian with American clients: what currency to use?

I'm a Canadian working in Toronto with an incorporated business, a business chequing account with one of the major banks (Canadian currency only), and a Paypal account connected to that chequing account. What should I consider when deciding whether to invoice American clients in Canadian or American dollars? [more inside]
posted by maudlin on Sep 23, 2014 - 10 answers

Ally Bank, Capital One 360 or Charles Schwab Bank?

I'm in need of a new bank. I've decided to go with an online only bank because of their lack of fees and 24/7 customer service. My choices have been narrowed down to Ally Bank, Capital One 360 or Charles Schwab Bank. Comments based on personal experience with any of these banks would be greatly appreciated.
posted by r-senal on Jul 20, 2014 - 26 answers

Push Banking Everyday

Is there an application or service that will send a push message or SMS on a schedule with account balances of various accounts. Mint will do this weekly but I'd like to have it come once a day at a specific time.
posted by jmsta on Jul 11, 2014 - 2 answers

Moving to SF-Bay Area: Which local bank/credit union should I switch to?

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]
posted by drd on Jul 8, 2014 - 13 answers

Business checking account for a sole proprietorship DBA?

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.
posted by jsturgill on Jul 8, 2014 - 9 answers

I won't get hit with an overdraft fee will I?

This morning I got an email from chase saying that my account was overdrawn. Apparently I picked the wrong bank account by accident to pay my credit card bill. Well anyway I looked at my account and the transaction was still pending. I ran over to the bank and put enough cash in my bank account to put me in the positive. Now chase says I should be fine seeing how it was still pending but, I just want to be sure.
posted by mamamia88 on Jul 1, 2014 - 9 answers

Why is Amazon sending me money?

Amazon put a large deposit in my checking account for no known reason, and I'm trying to find out what the money is from. [more inside]
posted by LaurenIpsum on Apr 25, 2014 - 14 answers

Should I be panicking about my Bank of America password?

(Keeping this anonymous because I'm worried my security's compromised and don't want to make it worse.) So for about the past six weeks, the log-in process on the Bank of America site has been behaving strangely for me. When I go to the BOA site I see my online userID in the normal way and click on it. That then takes me to the sitekey confirmation page where --weirdly-- my password is now showing up in plaintext on the login page, above the sitekey image. The first time this happened it was displaying my then-current password, which I immediately logged in with and changed. Since then, every time I go to log in I see the old password in plaintext, above the sitekey. When I enter either my then-current or my actually-current password it's rejected and I need to go through the reset process before I can successfully log in. I'm not freaking out, because there's no strange activity in my accounts. But still, it's unnerving. So..... what might be going on here, and what should I do about it? [more inside]
posted by anonymous on Apr 15, 2014 - 15 answers

Moving to Canada from the US - question about renting an apartment

I am finishing my Ph.D this month and will be moving to Canada for a post-doc position. The town where I will be moving to has a VERY tight rental market and from what I have heard, apartments rent within hours of being posted on the local rental websites. My husband is flying out about a month before we officially move up to secure a place for us to rent, but we are worried about trying to pay for a place without a Canadian bank account. We don't want to give cash to the landlord because it is untraceable and we are pretty sure no one will accept a check from a US bank. Has anyone had to deal with this before? Any advice would be most welcome. Thanks!
posted by source.decay on Apr 7, 2014 - 13 answers

Help me find a credit union

I do most of my banking with a megabank but would like to open a second account at a credit union. Can you recommend one that will let me join? [more inside]
posted by neat graffitist on Apr 3, 2014 - 9 answers

Can I open a bank account somewhere in Europe as a tourist?

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.
posted by crawltopslow on Mar 19, 2014 - 5 answers

Sleeping with the enemy -- should I bother switching banks?

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 - 24 answers

What protections exist for fradulent theft of funds from real banks

Spurred by the MtGox implosion thread and by a TV episode in which "real", presumably USD funds in US banks were stolen by an evildoer who illegally transferred the money elsewhere, I am wondering: What protections do US dollars in FDIC-insured US banks have against fraudulent electronic transfers? Would a victim of such a theft be likely to see all, some, or none of the stolen money reimbursed by an insurance policy?
posted by jepler on Mar 4, 2014 - 4 answers

Help my friend find a lawyer to represent him for banking in Mexico

My friend has an HSBC Mexico account, that had about 40,000 dollars in it.. he didn't use the account for a year, he called today to get a new checkbook, and found out the account had zero balance in may of 2013, and the account was closed. HSBC Mexico said they can't give more information unless he goes in person to a branch in Mexico. He is willing to hire a lawyer, or Power of attorney, or someone to investigate this in Mexico who legally represent him. He is currently far from mexico and can't make it there any time soon. His mom is in Mexico, can she get power of attorney?

Any advice on how to do this? How can he go about finding a lawyer in Mexico who can help him? Or what actions can he take? He suspects fraudulent activity as he did login to his internet banking last year and saw all his money there.
posted by lijiaxiaoniu on Feb 20, 2014 - 2 answers

In search of some intermediate financial advice.

MeFites have always been pretty good at giving basic financial advice, like how to start saving, building a budget, getting out of debt, etc. I'm there already. I find myself in the surprising situation of being comfortable these days, and I'd like to know: what's next? [more inside]
posted by anonymous on Feb 20, 2014 - 13 answers

What are some newer international banking options for travelers?

After trying to deal with Wells Fargo's atrocious service and policies, I'm ready to look at other banking options when traveling. [more inside]
posted by Telf on Feb 17, 2014 - 9 answers

Fast cash

Yes, I'm writing fiction. So let's say I want to withdraw $100,000 from a U.S. bank account, in cash. How long does it take for the bank to pull the money together for me? An hour? A day? [more inside]
posted by elizeh on Feb 12, 2014 - 23 answers

Help selecting a bank - with good permissions management online

Need help selecting a bank for my partner and me to use for a shared household checking account. Snowflake details inside (primarily about mixing joint and individual accounts with meaningfully separate online banking logins for separate individuals tied to the accounts). If you have or know of a bank that offers accounts like these I'd love to know about it. Google's hard to make headway with searching without a lead and mostly banks I've personally encountered so far provide only one online banking login between different joint owners. [more inside]
posted by kalessin on Jan 26, 2014 - 20 answers

Unlocking Contracted Recurring Revenues to use for Debt Collateral

Every month my company sells roughly $15,000 worth of monthly recurring revenue contracts with five year term lengths. The service sells for $1,000 per month so every month we sign on 15 new customers. $15,000 * 12months * 5 years = $900,000 (total contract revenue for all 15 contracts sold during the month) We've maxed out our borrowing on physical assets held by the company and I need to find a way to unlock these revenue streams to use as collateral for further growth. What's the best way to do this? I would prefer to not have to go to every customer and amend their contracts in any way. Thanks!
posted by Paalen on Jan 24, 2014 - 16 answers

Need to find a bank with amazing online security

I need to find a bank with absolutely amazing online security. Two-factor authentication is a good place to start. Bonus points for stability and good interest rates. [more inside]
posted by anonymous on Jan 13, 2014 - 19 answers

What's the best way to deposit US checks in Canada to be used in Canada?

I'm a Canadian freelancer located in the GTA area, and I've signed on for a long-term contract with a US client. I'll be getting paid in USD checks fairly regularly. How can I deposit this money in my Canadian bank account and use it in Canada without getting screwed over on currency exchange fees with the big 5 banks? [more inside]
posted by Be cool, sodapop on Jan 1, 2014 - 9 answers

I tip well but not *that* well

I was overcharged by $10 at a cafe. I know this from checking my bank statement, I no longer have the receipt. How should I handle this? [more inside]
posted by troika on Dec 17, 2013 - 24 answers

Elderly mother's finances. Help.

I've written before about my elderly mom's dementia. This is less about her memory problems (and mine dealing with them) and more about a sticky financial situation she's in, thanks to my stepsister. You are not my lawyer, but legal advice would be welcome. Prepare for flurries, inside. [more inside]
posted by caryatid on Dec 6, 2013 - 6 answers

Debit card compromised: what should I do besides dealing with my bank?

There was a fraudulent online charge on my debit card which I'm dealing with disputing with my bank. What passwords should I be changing or other tactics now to protect myself and the new card I'll be getting soon?
posted by dahliachewswell on Nov 16, 2013 - 9 answers

Access to direct US deposit accounts in London

Contemplating living in London for six months, what is the best, cheapest way, to access my direct deposit Social Security and pension funds. Currently using a credit union bank card, one Mastercard, one Visa. Fees at the ATMs plus exchange rates dollars to pounds hurt. Is there one single bank w/o fees that would make this reliable and inexpensive?
posted by NorthCoastCafe on Oct 28, 2013 - 3 answers

Canadian paid in US dollars- how can I maximize exchange rate losses?

Long story short, I'm basically a freelancer in Canada that's about to be taking on a long-term gig with a US client. I'm getting paid in USD and I'm trying to figure how to minimizes any losses due to fluctuation in exchange rate. [more inside]
posted by Nelsormensch on Oct 1, 2013 - 6 answers

Best banking solution for being paid in pounds, but living on euros?

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 - 9 answers

U.S. citizen moving to Canada needs bank account

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 - 24 answers

East Bay Small Business Banking?

Any recommendations for small business banking in the East Bay? With one small exception my needs are pretty basic. [more inside]
posted by Ignatius J. Reilly on Jul 22, 2013 - 3 answers

Any opinions on graduate schools of banking?

Is attending a graduate school of banking worthwhile? [more inside]
posted by glenngulia on Jun 19, 2013 - 2 answers

Bank of the [insert raspberry noise]

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 - 19 answers

What are my options with this pension plan check?

I was issued a check from my old company's pension plan. Apparently it needs to go into a retirement account. Can you help me understand my investment options? [more inside]
posted by karizma on Jun 5, 2013 - 4 answers

Impersonate my sister on the phone with the bank (with her permission)?

My sister left on an international trip (from the US), without getting a chance to inform her bank of her trip (apparently they're closed on weekends). Since she won't be able to easily make phonecalls while abroad, she's asked me to do that for her when the bank reopens on Monday. I have her card number, PIN, security question, etc. Which of these options is best: 1) call the bank, and identify myself as her, even though I don't sound like a woman and my sister has an unambiguously female name 2) call the bank, and tell them the truth - that I am calling on behalf of my sister, or 3) enlist a trusted female friend to make the call, identifying herself as my sister using information I provide. [more inside]
posted by anonymous on May 18, 2013 - 41 answers

Something better than cash under the mattress?

Let's say hypothetically someone had $100,000 in cash and they wanted to convert it to some other item of equal value and store in a safe deposit box. What would the best item be? In the movies it tends to be some kind of certificate like bearer bonds, or precious metals, artwork, or jewelry. What choice is the most secure and likely to retain its value over time?
posted by averageamateur on May 4, 2013 - 24 answers

What to do with mother-in-law's hoard of cash

We have a large quantity of cash that my mother in law has stashed in an old purse over the years. Now she wants us to deposit it in the bank for her, but we don't want to run afoul of cash reporting requirements, prohibitions on structured transactions, or civil forfeiture. [more inside]
posted by anonymous on Apr 11, 2013 - 30 answers

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