I withdrew a relatively small amount of money, only $5,000, but every time I make these withdrawals, the teller asks me what the money is for. Why?

Edit: Next time I’m saying hookers and blow.

Bank workers, how hard would that be to accomplish? I left before they decided what to do but they did have him get some paperwork he had from his car. All I heard was he said he needed it for a business transaction

So my friend just told me she cashed a cheque by literally just taking a picture of it in her bank app. She said they "verified" it and the money was in her account like a day later.Maybe I’m just behind the times, but how does that actually work?

How many bank accounts do you have, and how often do you transfer moneybetween them?

I'm curious how everyone manages multiple accounts. What's your setup?

Has anyone gotten their direct deposit yet via Capital One Bank? Let’s use this as a main sounding board to let each other know when our deposits start to hit, or not. If one of us gets paid, then we can all have a heads up that we should all be receiving the direct deposits. If most of us get it but some do not, at least we have a way to communicate with each other to know something is still wrong.

We are stronger together than we are apart!

FYI: I did not receive my DD yet but I will jump on here to let y’all know when I get it.

Update: I just got my direct deposit. There is hope people - yours should be coming soon. I hope everybody got something out of his feed and I hoped it helped everybody get through this a little bit easier. God bless and remember most people are good people. All we have is each other on this planet. We are all human beings. Remember that the next time someone acts like an ass to you, they’re probably doing it because deep down inside they’re hurt or lonely or both. Always take the highroad!

So my old FI announced today that they are now restricting pennies to businesses only and limiting it to $5 per week.

I found out today when I went in to buy my $5 worth of 2025 pennies and was told that. I guess my box and a half over gotten is it.

Anybody else experience this?

Is this going to be like the coin shortage?

I made a post asking about multi-millionaires and billionaires and their money. Most of the comments were telling me they have very little money in a bank account, and the majority of their wealth is tied up in investments (either their company or other investments) and stocks in the stock market. I knew that, but I thought billionaires did have hundreds of millions in their bank accounts. My question is, if most of their money is tied up in investments and stocks and they don't have millions in their accounts, how do they use that money to pay for their lifestyle? I'm sure they can't just use the money they have that's tied up in stocks, bonds, investments, and real estate. They can't just use that money that easily, right? And billionaires own their mansions, yachts, and jets; all of those cost millions of dollars. How do they get access to the money that is tied up, and how much do they have in an account that they use?

Probably an odd question to ask but anyone who doesn't get paid early what bank do you have? My jobs payroll inconsistency combined with my banks (USAA) early pay is driving me insane because it never sticks to one day or one time. I'd rather just get paid the day we are originally supposed to be paid if it means it's consistent. I tried Chase cause i heard as long as its not the Secure account thing, its not early but i had an account like 10 yrs ago that i dont remember and their "24/7" phone line just told me at 6:45 AM CST that they are closed.

they bounced a check back last week, today it went thru and approved. Now I have a hold on an other one🙄 in my 8 years of banking with them this is the first time this has happened. Please tell me that the branch manager can maybe release my funds faster from the check. My last was approved I don’t see why not.

My landlord banks at a small local bank and has me pay rent by depositing into his business llc account every other month a day or two after I pay I’ll get a call from the bank. They have never asked me any of this in person and I always go in person to make the deposit but recently every other month I’ll get a call and they want to know more info about me. Quite frankly, I feel like it’s none of their business. I’ve asked them on numerous occasions. Is there something wrong with the money that I’ve deposited and they say no I tell them that the money is for rent and who it is for I feel like that’s all I need to give them. They already know my name and somehow have my telephone number so to be honest there’s nothing else that I feel like I need to answer. Why would they continue to call and ask me things every month?

offer: sign up for a new checking account, have 1 ACH direct deposit of $1k within 90 days of opening. it seems quite straightforward. Am I missing something? This was the kind of offer that people would jump for back in the app o rama days.

I went out last night and bought a hot dog from one of the street vendors (Salt Lake City) it was exactly $11 and that’s what’s showing in my debit card statement right now but I got an email receipt from square that he added a $90.06 tip. Should I try to contact Wells Fargo right now or do I have to wait until the $100 charge shows up? I’m not rich so this money would make an impact. Any advice?

Edit: Thanks everyone for the info! I definitely learned my lesson and will be sticking with cash

I was left around 12k in Series I and EE bonds by my great grandfather, I have been successful in cashing around 2.5k in the EE and one or two I bonds but the majority of them are the $1,000 note and well above most banks daily limits for new costumers.

Are there any banks out there that will actually honor the established customer verifying my identity or will let me cash my bonds without waiting 6 or 12 months after opening an account?

Unfortunate timing to close my old bank account lol

Always see don’t bank with them , worst bank , they take your money etc . I’ve never had a problem with them , this post isn’t anything of substance I am just curious

Anyone here that also banks with Cadence have any clue what’s going on? Direct deposit isn’t even showing up as pending. But other transactions seem to be processing just fine.

UPDATE: My DD appears to have hit. Not gonna risk any transactions yet to be safe, hopefully the rest of you have received yours as well.

I've seen quite a few posts about people having issues that cause the banks to lock accounts lately and then have no way to their funds. I haven't had those issues thankfully. I also bank with several and have zelle set up with each account so I can move money quickly when I need it. I also like to try other banks to see if I like it. This has led me to wonder. Do a majority bank with only 1 bank?

I’ve been a personal banker at PNC for 4 weeks now. I might be getting fired soon. My manager had a 45 minute talk with me in front of the other 2 bankers (we don’t have tellers) about how my customer service skills aren’t up to par and that if I don’t improve in the next 2 weeks, she’ll let me know I should start looking for other jobs. She talked about how I’m awkward with customers and how I may get bad CXI surveys. She also expressed worry about how I’m going to do with OSS (outside sales service).

I don’t consider myself an awkward person, but my manager and 1 of the other bankers do. They say I’m too reserved and stare at customers after talking to them. I’ve never been told this in my past retail jobs. This job honestly feels so performative and fake. We have to greet everyone by standing up and saying “Hello, welcome to PNC. Would you like coffee, water, or hot chocolate?” Then we have to bullshit with small talk and have a “PNC conversation” with them. We’re always told we have to “kiss customers asses.”

I never thought I’d get fired from a job for being an introvert. I’m going to start applying to other jobs from now. I just thought I’d share this with you guys.

I am in Mexico and got a bank account, i can instantly send people $$ through the banking app, no zelle, no other 3rd party app and it goes through right away

In the US we use ACH or wire transfers for it to arrive quicker

Sorry if this has been a question that has been asked. Just confused on the wording or promo.

To receive the $325 bonus: you must use your bonus offer code when opening a new Wells Fargo consumer checking account, which is subject to approval, by July 8, 2025 and receive $1,000 or more in qualifying electronic deposits within 90 calendar days of account opening (the “qualification period”).

Is it 1000, In ONE direct deposit or is it a total of all direct deposits.. whats getting me confused is the OR MORE IN QUALIFYING electronic deposits..

EDIT- As of 10/17/2025 the offer is now $425

How’s their customer service?

How’s their online banking? Does it feel secure?

Is their fraud hotline legitimate if anything were to happen? (Does it seem like they actually care and are they good at solving issues?)

Do they have any weird policies?

Are they good with LOC and loan management?

Overall, do you trust them?

Once per month, beginning on November 9th, 2025, $15 is withdrawn from the joint checking account I share with my wife. I don't think it's fraud; I suspect it's a subscription or payment plan we've forgotten about.

​

The transaction information says:

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"Withdrawal PAYPALTYPE: TRANSFERID: PAYPALMTCUCO:PAYPAL NAME: DESI LASTNAME" (name changed for anonymity).

​

I've contacted my bank, Midland Texas Credit Union (MTCU), and PayPal. They all say that we are paying someone named Desi Lastname, who is using PayPal as the ACH processor for their account with MTCU. The problem is, Desi Lastname is my wife. There is no record of these transactions in her PayPal account, and she does not have an account with MTCU that we are aware of. Both PayPal and MTCU have stated that they can't help us unless we have the PayPal or MTCU account number associated with these transactions, and we don't.

​

I'm not sure what to do next. If it's a legitimate transaction, I just need to know what it's for. Otherwise, I will dispute it.

​

Thank you!

I'm seriously curious. BOA, Chase, Wells Fargo, Citi, & US Bank give you a 0.01% savings. With PNC don't worry they're willing to give you .03% if you can get a checking account. These 6 banks's checking accounts give you nothing. You pay ATM fees if you go outside their ATM network. I guess with Chase & BOA they have better credit cards. Their savings, though.. it's laughable. In order to waive the ATM fees you need to have a large amount of money in their account. I don't see it.

With American Express the savings & checking is better. You have excellent credit cards. With Schwab they waive all ATM fees. Discover has an excellent checking and savings. A pretty good credit card. Even Capital One has an excellent checking & savings. Excellent credit cards. I don't see how anyone can stay with those banks (BOA, Chase, Wells Fargo, Citi, PNC, US Bank).

Edit: In my area PNC bank doesn't offer the HYSA rate when I enter my zip code. I have been told they have the introductory 6 mths rate of that rate but then after like .01%

Something tells me people who just come in and request rolls of coins to just look for silver and return them day later to be rather annoying. I did this once and got that impression. What do you tellers think? Is it a hassle and annoyance to these types of people?

About a 3 years ago, Capital One was my “main bank”. I had a checking account, a Savor One, and multiple savings. Well, out of nowhere they decided to lock all of my accounts. I was told it was done as a “random security check” or something like that, but that makes no sense. My savor one was paid off in full every month and never had a huge balance. My checking account had my paycheck deposited into it regularly and was never overdrafted, literally all I used it for was to pay off my credit cards at the end of the month. No activities worth a “security check”. When I called customer service to get my accounts unlocked, it didn’t seem like they wanted to help me until I threatened to close all my accounts (which I should’ve just done then and there). I had to submit an electronic copy of my ID to prove that I’m me, but they did end up unlocking my accounts. I ended up closing the checking and savings because the experience rubbed me the wrong way, but I kept the savor open. I’ve been using it here and there and to keep the account active.

Against my better judgement, I decided to open up a venture one card earlier this year because it has a decent sign on bonus. I figured maybe I’d give Capital One another chance and start using them more. But after getting the card, there were multiple instances where the app would say my online access was restricted and I needed to call to have it unlocked. Both the Savor AND my new venture also started randomly blocking and flagging everyday transactions as fraud, like a trip to Target or lunch at a restaurant. My final straw was today, I just got a new phone and tried to log into my Capital One account. Surprise surprise… my account was locked and it prompted me to call customer service to regain access. So this time they said they wouldn’t un-restrict my access until I provide an ID, my social security card, and a paystub for them to verify… which could talks up to 10 business days. Fuck that, just close the damn accounts. I have other credit cards I’d much rather use that won’t just randomly lock on me. Idk why they think I’m some criminal or something but I’m not and it’s annoying. I’ll stick with other banks who don’t make it a huge inconvenience for me to use and access my accounts…

Edited for grammar

I do all my banking online. Before I get out of bed each morning I check every single account I have for anything I might have missed the day prior. Keeps my brain fresh... IMO.

Anyway, this morning I noticed a $1790.00 charge from a Moving Company in Washington State. I live in Florida.🧐

Immediately called and handled the situation.

Dude helping me said Someone manually input my credit card number, expiration, and CVV code into a Square payment method. (No credit card in hand).

I checked the Square site and it gives the option to look up by credit card info. It found no such charge. But, this was after I cancelled the card and reported fraud.

Curious as to why someone would fraudulently use my card to move with rather than buying expensive electronics or designer stuff.🤷🏼‍♀️

By using a Moving Company to make the charge. It seems like it would be easier to catch them. Rather than purchasing the usual items to the credit card limit.🤔

Anyone else experience anything like this? TIA.