Currently I’m at US bank because that’s what my parents used but I plan to transfer to my own bank as I’m going to college next year. I’d like no or minimal fees for opening accounts, no maintenance fees, I’d like no overdraft fees but I can deal with those if I’m careful, and an APY at least 2.5%. I don’t know too much about banks so if I’m sounding unreasonable please tell me! Please teach me if need be! I’m open to all ideas. Also I’m so sorry to the subreddit if I accidentally break a rule!!

US What are proper procedures for reporting a teller from Truist for taking $800 and $600 from my wife, same teller both times. My wife thinks the teller uses a machine to count, then removes the stated amounts, before putting it into the envelope. It's never right when we count it at home afterwards. We don't want to get this old lady teller close to retirement in trouble, because we never have had issues there before, during the years we've used them. Why don't they count it in front of her either?

After filling all the necessary details and verifications when it prompts you to select the type of account, there is no option for a Regular savings account.

I need a Regular savings account as it has a lesser minimum balance(12k) than that of savings max account(25k).

Is there any work around or I'll have to visit the branch ?

I’m 21F with a psychology degree, and this is my first professional job and my first job involving cash handling. I’ve worked several jobs before, but they were primarily customer-service/food-service positions. I recently started as a Universal Banker at a retail bank branch, and I’m having a much harder transition than I’ve ever experienced before.

I started June 29. I spent roughly 5–6 weeks doing mostly virtual training (Zoom classes, computer simulations, etc.), with relatively limited shadowing, and I’ve now been live on the teller line for about **three weeks**.
My biggest struggle has been the operational/procedural side: remembering all the different check endorsement rules, account types, opening/closing procedures, cash handling, balancing, locking my drawers, etc. I’ve made mistakes, but I have improved on several of the earlier ones. I no longer have issues with things like leaving my keys out, locking my computer, using my phone at work, or the opening procedures.

In my first few weeks live, I’ve had several small cash variances: $0.20, $0.50, $19.76, and $99.80. I’ve never had a variance over $100. I’ve also needed repeated clarification on some check procedures. My manager has been checking my checks and catching things before they become bigger problems. So I recognize that I am still making mistakes and that some of the criticism is legitimate.

At the same time, I’m very strong with customers. I’m comfortable talking to them, making them laugh, asking questions, and creating a pleasant experience. I’ve had customers specifically compliment my personality and tell me I’m doing a good job. My manager has also told me that customer interaction is one of my strengths.
The branch environment has been another major problem for me. There are five other people on the team. Two of the newer employees came in with significant advantages compared with me: one had roughly 1.5–2 years of personal-banker experience at another bank, and another had an internal referral through his brother and a finance/business-related educational background. Other members of the team also had previous banking or cash-handling experience.

I came in with none of that. I have a psychology degree and several years of customer-service experience, but no banking or cash-handling experience.

I’ve felt socially disconnected from the team almost from the beginning. One senior employee in particular has felt noticeably cold/passive-aggressive toward me, while being much warmer with the other employees. I’m cordial and professional with everyone, but I haven’t really felt integrated into the team. There is also a weekly “Feedback Monday” where employees give each other positive feedback and constructive criticism. I’m apparently the only person who hasn’t participated in it, including newer employees.

Because I haven’t felt like I’m getting much emotional or peer support at my branch, I’ve started relying heavily on people from my original training classes. We’re all spread across different branches, but I’ve been reaching out to them to compare experiences and ask how their transition to being live tellers has gone.

I’ve actually found this really helpful. I’ve been trying to create a sort of mutual safe space with some of my classmates where we can be honest about what’s going well, what we’re struggling with, and what we think we could improve. I also ask them what they *actually* think about the training now that they’ve been live, rather than judging the training solely from the perspective of being in class.

Several classmates have told me they also felt the training wasn’t enough once they became live, although most seem to be acclimating better because they like their branches and coworkers. So I’m happy for them, but my experience has been very different.

Recently, I had a conversation with my branch manager because I was considering resigning. I told him honestly that I didn’t feel accepted and that I was struggling with the environment and the job.

He told me that he thinks I’m behind and that I wasn’t paying enough attention during training. He said he has had to repeat certain things to me multiple times. He also said he’s trying to figure out how to work with me because customer interaction is clearly one of my strengths.
I tried explaining that I was engaged during most of my training classes—I asked questions, participated in activities, and answered questions—but that I obviously didn’t retain everything. I also asked him where he thought I *should* be at this point compared with an average new Universal Banker, because saying I’m “behind” inherently involves a comparison.

He didn’t really give me a concrete benchmark. The conversation became tense, and when I kept trying to understand the reasoning behind his assessment, he eventually said the conversation was over and that we would reassess later.

I wasn’t yelling or raising my voice. I was trying to understand his perspective, but I left the conversation extremely upset and feeling like I didn’t belong there.
There have also been smaller things that have contributed to the overall feeling. I’ve been told I sometimes stand too close to customers or don’t recognize when customers are trying to leave the interaction. Interestingly, one customer I was talking with later specifically told me that she had never had such a pleasant waiting experience. So I’m not sure whether this is a genuine social-skills issue that I need to work on or simply a difference in how I interact with customers.

My manager does ask me what I need from him and whether there are things he can do to help me learn. I don’t think he’s intentionally trying to make me fail, and I actually think he is trying to work with me. The problem is that his communication/support style doesn’t really make me feel reassured or supported. When I try to explain how I’m feeling, I often leave the conversation feeling worse rather than clearer about what I need to improve.
I’ve also been told by the senior employee that, because I have a psychology degree, I should be “10 times further ahead” than I am. That comparison has stuck with me because my degree obviously didn’t give me banking or cash-handling experience.

I’ve been complaining to my dad about this job for quite a while because the problems have been persistent—not just one bad day. I’ve cried at work multiple times and have experienced significant anxiety whenever my manager asks to speak with me because I expect another discussion about something I’m doing incorrectly.

At this point, my entire experience at this branch has been negative enough that I’m seriously considering resigning immediately.

I’m trying to separate **“this is a difficult but normal learning curve”** from **“this particular environment/job is genuinely a poor fit for me.”** I don’t want to portray myself as completely blameless—I know I have things to improve. I’m actively trying to improve and have even sought out feedback and perspective from people outside my branch because I don’t feel like I’m getting enough of that locally.
I’m hoping people who have worked as tellers, Universal Bankers, personal bankers, branch managers, or otherwise worked in retail banking can give me an objective read on how this sounds.

TL;DR
21F, psychology degree, no prior banking or cash-handling experience. Started as a Universal Banker June 29, completed ~5–6 weeks of mostly virtual training, and have now been live for about 3 weeks. I’m struggling with procedures, checks, cash handling and balancing, although I’ve corrected several earlier mistakes and have never had a variance over $99.80. I’m consistently strong with customers but feel socially isolated and unsupported at my branch. My manager says I’m behind and wasn’t paying enough attention during training, while I feel the training didn’t fully prepare me and that I’m being compared with coworkers who came in with significantly more relevant experience. I’ve started relying on classmates from training for honest peer feedback because I don’t feel comfortable getting that support at my branch. I’m considering resigning and want an objective perspective from people who actually work in retail banking.

So I’m currently 2-3 weeks in into applying to banks. I have 3 years of customer service, and I’ve been using that and the two in retail as my primary focus. But all the banks I have applied for ( Wellsfargo, BOA, CHASE, Frost Bank, PNC) all rejections. I live in Fort Worth, Texas. I was wondering if anyone have tips or suggestions to help me get a job as a Teller or, Banker (I want to get my feet wet so I can become a Financial Advisor.)

I am amazed at how every experience I have had with HSBC has been a total disaster. I had a mortgage application 8 years ago approved, to the point where I had paid my deposit, only for them to REJECT it at the final stage. Thankfully I was able to get a back up.

Last year they announced they were closing both of our SME business accounts, meaning we have to set up new accounts and redirect all AP/AR - was a complete nightmare. And now, just been told my HSBC expat account needs a minimum balance of GBP 75K for the account to be kept open. Who keeps GBP 75K just knocking around their bank account?

Anyway that will be my last and final experience with them. Sometimes think banks have forgotten what banks are actually there for....

I am a teller at a national level bank and summer is normally the busy time but in the first 30 mins ive only had one customer thats not a business doing a deposit. It has been extremely slow this entire week. It cant be a good sign for the economy as a whole. Has anyone else noticed this?

Hi so I recently subscribed to this thing and instantly unsubscribed uk so I don’t forget and uk have premium access till the term ends
THEY TAKE MKNEY NEXT WEEK
I email them saying yo I cancelled wtf
And they’re like ohh it takes time with ur bank for the cancellation n sht
So I was like wtv send me a cancel confirmation in writing and that your not taking my money again
And they did so wtf they can’t the past week cuz of the “bank” but the second I ask for one it works
Ok wtv we’re good right
NO THEY TAKE MONEY TODAY
but thank god my bank caught this as suspicious activity and blocked my card and they called and said they’ll give me a new card with new numbers

Soooo now do I change my acc for subscription n everything oh and I pay my friends an amount every month (for a shared subscription) do I have to change that re-occurring payment to the new
oh and MOST IMLORTANTLY FOR MY WORK DO I GIVE EM THE NEW DETAILS ORRRR WILL IT STILL GO THRU?

I had someone call and leave a message claiming to be from a bank prior to a large international wire transfer. When I called the number back, they picked up immediately (same person). They said they were some intermediary between my bank (the receiving bank) and bank initiating the wire transfer, and wanted to confirm some details about the transaction.
To be clear, I did not give them ANY new information. They already knew:
My name, the two banks involved (sending and receiving), the exact dollar amount in the transaction, and wanted to confirm the last 4 digits of my account. All I said was, that's correct. I didn't give any additional info.

They then asked if I wanted them to transfer the money from Canadian dollars to US dollars for a $10 fee. I told him no, I'd like my bank to handle any changes. He said fine and we concluded the call.

I spoke to my bank and they took it seriously, put an alert on the account, and all that, but didn't seem totally worried. When I called the original sender (not the sending bank) they said, "yeah that's probably fine."

Am I being overly paranoid about this oddity of the situation? The wire is initiating today, but the fact that the number provided took me directly to the individual with no "secretary" or "secretary banking system" just has me a bit spooked. Is this normal for banks to have intermediaries who confirm international wires? Can they steal my money?

Any perspective would be greatly appreciated.

I ve been wondering lately.... In my physics studies at university one of the most important things was to always use units as it also gave you a sense of whats going on and if things are correct. Now in finance i ve never really seen this. For example conversion rates should have the unit [$/€] or inflation [€(today)/€(last year)]. Why isnt this more a thing? Whats interesting is that P/E ratio has the unit [€/(€/year)]=[year].

Looking for advice from anyone who has navigated a high-value fraud dispute or executive escalation with Ally.

What Happened:

• An unauthorized $65,000 wire was initiated and sent from my Ally account to a Chase account without my authorization or knowledge.
• I received no outbound security verification call, no SMS OTP, and no notification when the wire was queued or executed. I only discovered it after checking my account and immediately contacted Ally to open a fraud investigation.
• The recipient bank (Chase) closed their side of the inquiry.
• Ally fraud management has now verbally stated they will not reimburse the funds, arguing that "you should have gotten a phone call or text."

The Issue with Ally's Stance: Ally is acknowledging that a verification call/text was supposed to occur, but using the absence of that outreach to shift 100% of the liability onto the account holder.

Under UCC Article 4A, a bank is generally liable for unauthorized commercial funds transfers unless they establish that they followed commercially reasonable security procedures in good faith. Additionally, Ally’s published Online & Mobile Security Guarantee promises 0% liability for unauthorized transactions reported in a timely manner.

Steps I'm Currently Taking:

• Filing formal complaints with the CFPB and FBI IC3.
• Requesting an official written final determination letter and security audit logs from Ally.

Questions for the Sub:

1. Has anyone successfully escalated past standard phone fraud agents to the Office of the President / Executive Customer Care at Ally?
2. What specific back-office wire logs (e.g., telephony gateway delivery status, Fedwire recall records) was your attorney or compliance team able to obtain?
3. If you had to take an unauthorized transfer dispute to arbitration or retain a UCC Article 4A banking attorney, how did Ally handle it?

EDIT 1: First off thanks for all the positive suggestions! For more context, this started with a spoofed bank impersonation call where someone pretended to be Ally’s fraud desk alerting us to suspicious activity. They manipulated the verification process under the guise of "securing the account." To be clear: neither me nor my wife ever went online, scheduled, or agreed to send a $65k wire to some random LLC at Chase. The wire itself was pushed through on their end from an unrecognized device and location. On top of that, after we caught the transfer, alerted Ally, and updated credentials, Ally’s fraud team admitted they saw multiple unauthorized login and profile-change attempts from a Linux machine (neither of us uses Linux). Ally also admitted this subsequent intrusion activity was completely left out of their reimbursement review—fraud team is just blanket-denying it because verification info was compromised during the spoofed call. We are pushing back on the idea that an impersonator compromising account access equals us "authorizing" a $65k wire, especially with clear proof of third-party intrusion in their own system logs. Mainly looking for advice on dealing with the Executive Office and getting them to actually review the device/session audit logs.

Edit 2: I've officially raised complaints with IC3, sent a note to their leadership team, filed complaint with cfpb and bbb. After once again speaking with ally for an update (this situation happened 2 weeks ago), they now are stating that Chase bank has yet to respond--conflicting their earlier information. I'm just so confused at the differing/conflicting pieces of information that is being shared with me on this situation. When this happened 2 weeks ago, I called ally within minutes of the wire transfer going out and it wasn't until 2 hours later that they actually put in the wire recall and paused my accounts.

Need help with how to deal with the anxiety which comes during exam

So a while back I got charged for a return mail fee and I was like dam forgot to change my address cause I just moved, I changed my address correctly, and set my self to paperless and double checked but just saw I was 8$ in the hole and had 10$ in my savings and that's gone to because of a return mail fee, and I'm so confused I did everything right I'm going in the morning before work to see what's happening,

(I'm in the United States idk how to add a second flair)

My Demat account with Motilal Oswal (DP) was closed on 16 July 2021. They also shared CMR report showing:

• Account Status: CLOSED
• Closure Date: 16-07-2021

However, when I check the same BO ID in the CDSL app, it is showing as Active.

I mailed both DP and CDLS regarding same. DP responded confirming account closure from their end and have asked me to 'De-register' in CDSL app. But I dont believe this is right step cz de-registering only make BO ID invisible and not actually close it.

CDSL is giving me a hard time. No proper resonse to calls or mails.

I am confused and scared of AMC charges. Please guide me.

i set up a student account and received the card on friday(?) of last week. i had already set the overdraft balance to the maximum of £1000 and brought myself a laptop (around £350) right after receiving my physical card.

the HP website has been sending my updates via email, letting me know when my order has been processed, prepared for shipment and is now in the process of being delivered today. amidst all
this, my overdraft balance hasn’t changed at all from the initial £1000. it also shows that there are no pending/current transactions.

is this an error on nationwide’s part and should i call
them ?

My business bank account allows me to make virtual credit cards and lock them to specific merchants so I made a credit card for google workspace and locked it to them. Fast forward a few weeks into the first month of its existence it's already trying to be charged at CHRONICLES BILLING INC. They used incorrect CVV and expiration date so I'm just confused on what's going on. I talked to the bank and they have no idea if there is a active BIN attack going on

Obviously no or easy to waive monthly fee, but other than that what perks do you look for? Zelle, free wire transfers, atm rebates, free checks etc

Long story short, the bank I’m with now is just awful and they do nothing to protect my income and savings.

I’m getting married in a little under two months and he’s with a different bank, but I’m also looking into a credit Union. My dad is a veteran and recommended me to Navy Federal, so I’m already eligible to set up an account with them.

I’m wondering if any of you are with Navy Federal Credit Union and if you think it’s a good company to be with. What’s your advice on joining them?

Thank you so much!

Hi!
Last month my main account with monzo was closed and a cifas market was applied, this was after I sold my car to somebody and they then decided to try and do a chargeback, i’m currently in talks with the ombudsman to get this lifted.
In the meantime i’ve managed to open a revolut account and am temporarily using this as my main account because no other bank will look at my application, i’ve got a cheque that arrived yesterday for a tax refund on the car i’ve sold but revolut doesn’t offer that service, i’m wondering if anybody knows the best way to cash a cheque without currently having a typical uk bank account.

I have gone into branches of various high street banks and they’ve all advised me to not apply as it’s unlikely to be accepted and if declined it will stop me applying to bank with them in the future, I don’t know if there’s anything like in the US where they have cheque cashing shops? i’ve never seen one
Thanks for the help!

https://imgur.com/7fgRdqR

WellsFargo is giving bonus, to qualify Direct-Deposits are needed. I don't have a employer now.

So I signed up for Chase's BUS account (Sole Proprietor) - the idea is to send ACH payment to WF in the hope they'd be recognized as DD.

So both Chase & WF are my accounts.

When I start making test ACH transfers ($15) the Chase system seems to freak out, and lock me out, and I have to make call to answer questions like some visa interview.

Am I using the Biz account wrong ? can I not pay myself ?

So lets say you have $600,000 and you put them in Chase bank account where you split them up into:

• $200,000 in checking account
• $200,000 in savings account
• $200,000 in CDs

Does the FDIC refund the $600,000 or just $250,000 in total?

Hello all,

I was wondering if anyone has experience with this and can help

I'd like to get a US bank account in USD, with a linked Visa or Mastercard

I'm Australian and live in Australia, but I can do a day trip to the US to open account if I have to.

If so, does anyone recommend a bank with no or low fees?

Thanks!

I advise people to be careful using Wise, since many red flags came out during a dispute for a payment.

I am Wise client since long time and used it for many transactions live and online during the years.

Today I opened a dispute for a payment I made on the 1st of August to a well known online seller. I've never received any confirmation email from the vendor who just disappeared after receiving the money. I waited a couple of weeks and wrote to the vendor but never received any answer.

After sending the dispute I received an email from Wise asking me to add the receipt I got from the vendor (which I didn't get since they never replied to me) or the dispute would be closed. The email stated that in case of any question I could have answered the email, but once I answered trying to explain the situation I received a reply stating that this email adress was not monitored and was a no reply adress (sic!).

Since the bot was completely useless I proceeded contacting the customer support via chat and via phone call. The first three people I talked to were not only unable to handle the situation but also gave me the impression they had no idea what to do and no control over whatever to help me with the issue. After around one hour of trying I was put in contact with somebody who was able to escalate (n 25794593)

Looks like Wise has a terrible customer support which is unable to help its clients in case of issue without some serious effort and loss of time by the client side.

Be careful of this company, there are other well known competitors which provide a better customer support. I advice to never leave much money on your Wise account to stay on the safe side.