A generic tag for questions on Bank Account. For specific questions use the "savings-account", "checking-account" or other specific tags. It is recommended that a specific country tag be used to indicate the geography of the question being asked

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63
votes
2answers
290k views

Is it safe to give out one's bank account number?

I am managing the utility of the house I am sharing with another person. He asks me to provide my bank account number, so that he can transfer his money to my account when paying the utility. I ...
23
votes
6answers
92k views

Can I open a US bank account even if I don't live in the country?

I'm Swedish, but living in Switzerland at the moment. Can I open a US bank account? Either when in the US on vacation or through the internet/phone? Lots of situations when I find myself in need of ...
10
votes
1answer
2k views

Can a foreign bank manager name me as the kin of a deceased customer if I don't know the person?

A few days ago, someone emailed me and said he is the branch manager of an overseas bank. He asked me to join him in an agreement. He has a deceased customer who is a citizen of my country and who has ...
66
votes
16answers
20k views

How can Americans get a chip-and-pin credit card for use while abroad? [closed]

Background: US banks, without exception, issue credit cards with magnetic stripes. In Europe, though, almost all credit cards also have a chip and require a PIN. Most merchants in Europe don't mind ...
16
votes
2answers
9k views

How to access a really old, untouched bank savings account?

I was just going through old things and found a Wachovia account opened for me by my aunt - specifically, I found the checkbook and transaction record. The transaction book is dated April xx, 1998 and ...
9
votes
3answers
426 views

At what age should I begin discussing money - saving, spending, investing - with my child / children?

In addition, when should I open a savings account at our bank for my kids; and give them accountability over it?
11
votes
6answers
5k views

Should I have separate savings accounts for various savings goals?

I have read through some personal budgeting articles and saving tips. Most articles and books mention saving money for emergency funds, large purchases, etc. Should emergency funds and saving funds ...
6
votes
3answers
1k views

Why would a bank refuse to open a bank account?

About 4 years ago, I try to open a bank account for my wife and they refused to open an account after they ran her passport. I asked the manager lady why, but she wouldn't tell me why or she refused ...
3
votes
1answer
7k views

Which Canadian banks offer Euro currency bank accounts?

I'm looking to open an account in Euros, with a bank situated in Canada. Which banks offer this kind of service?
11
votes
1answer
691 views

10 yr old checking account in USA closed automatically by the bank due to no activity, can I recover the money?

I used to have a checking account in a US bank (Suntrust). I've long ago stopped using it because I moved out of the country. There was no activity on the account for 10 years, and the bank closed ...
7
votes
3answers
696 views

Checking/Savings accounts that have sub-accounts

I like to use the envelope system for budgeting, but I can't escape the convenience of debit cards, so a few months ago I set up 5 debit cards, one for my primary account, food, gasoline, household ...
6
votes
5answers
5k views

Joint bank account - is this normal?

I've recently opened a joint bank account with my fiancee. And yet, everything seems to be in his name, with me tacked on as an afterthought. Is this the normal way of doing things? If I were to move ...
4
votes
5answers
13k views

Where can I open a Bank Account in Canadian dollars in the US? [closed]

I went to my Credit Union yesterday and I asked them if they offer a checking and/or saving account in Canadian Dollars. Unfortunately, they don't offer such account. Where can I open one? Is it ...
28
votes
8answers
6k views

How to organize bank accounts with wife

My wife and I are recently married, both of us are working hard. At the moment we currently have the same system as prior to our marriage. Which simply put is that both of have our own bank accounts ...
49
votes
3answers
8k views

Closed account, haven't received payment. When has the bank “stolen” my money?

Background I closed a checking account over 40 days ago at a large national bank in the US. I was told I would receive a check for the remainder (>$1000) in one to two weeks. I still have not ...
4
votes
4answers
587 views

Which UK banks have an account that features free online incoming/outgoing international wire transfers and no monthly charges? [closed]

This is a similar question to US bank w/ free online incoming/outgoing international wire transfers, no monthly charges, online application in relation to the UK. Which UK banks have an account with ...
7
votes
1answer
396 views

How to save and partition money for a University student

I'm about to start my first "professional" internship/job, but I will be getting paid. I will be making around 1100$ every 2 weeks and saving around 8800$ during the whole summer. This is more money ...
10
votes
3answers
1k views

What exactly happens to Euro if one of European Union countries goes bankrupt?

What happens if one of the European Union countries goes bankrupt? Suppose I have money (bank deposits at local banks) in US dollars, Euros and local currency (I'm not in the US). Now one of EU ...
3
votes
1answer
1k views

As a freelancer, how to receive money from overseas company to my individual bank account in India?

I am working as a freelance software developer. Recently I got a project from an overseas company. I asked them to send money through ICICI Bank Money2India. The first payment made it successfully ...
12
votes
8answers
10k views

PayPal wants me to “add a bank account”, another funding source. Credit card isn't working. Why?

This is the second time in the last couple of weeks that I'm seeing the following error from PayPal. (Note: I've deliberately hidden the name of the merchant at the top.) "You cannot use this ...
10
votes
2answers
5k views

What's the difference between wire transfer and ACH?

My sponsors have two ways to transfer money. I wonder what's the difference?
8
votes
4answers
5k views

How can a U.S. citizen open a bank account in Europe?

Since interest rates are higher in the Euro zone than in the U.S., I'm exploring the possibility of opening a European bank account. For example, IND Direct is offering 3.5% on a 12-month CD, whereas ...
8
votes
2answers
9k views

How does Wells Fargo use my phone number to find my Bank of America account?

I'm extremely confused about how Wells Fargo's SurePay transfers money to Bank of America. I've set up my Bank of America account to use my mobile phone number to receive payments. Now someone sent ...
7
votes
1answer
313 views

UK - Closed Company, Bank has frozen the remaining funds

I recently closed my small business and left a few hundred £s in the business account with Barclays. After receiving notification that the company has been officially struck off, I contacted Barclays ...
5
votes
1answer
3k views

What are the risks of associating your PayPal account to your bank account?

What are the risks of associating your PayPal account to your bank account?
5
votes
1answer
880 views

Why does my checking/savings account offer a higher interest rate than a standalone savings account?

I have a bank account with checking and savings bundled together; if I make enough purchases with my debit card, I earn a higher interest rate on the savings. Today I decided to look at other types of ...
3
votes
1answer
538 views

BoA Closed my Accounts and Froze my Funds. How can I get money back besides cashier's check?

Earlier this week I had tried to buy food with my debit card but the transaction was declined. I immediately contacted my bank (BoA) and was told there was a note left with a number to call. I called ...
3
votes
1answer
804 views

Can I have more than one current account

Is it possible to open more than one current account in the UK? and how will this affect my credit score. I only say this as there are current accounts that pay 3% interest on balances - which would ...
3
votes
1answer
37 views

How should get my PPF fixed

I opened (first) PPF account in Union Bank of India at City X-branch (I live in city-Y which is away from city-X by almost 3 hour travel by railways) where my dad used to work. Now he is retired so am ...
3
votes
1answer
125 views

Bank accounts that do not get overdrawn

Are there any banks (in the US) that do not have an overdraft facility? That is, an account which cannot have a negative balance and they simply reject/decline transactions that would take the account ...
2
votes
1answer
782 views

ACH data for Deutsche Bank, Germany?

For an international ACH transfer as part of the e-gold claims process, I need to specify in an online form: Financial Institution Name Financial Institution Address Financial Institution City ...