Questions tagged [bank-account]

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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53.com US bank account blocked withdrawl

I have opened this account on F1 visa(expired now) and was using it to receive consulting income for work done being in India for US clients. My money is stuck there. They have not given me any ...
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-2 votes
0 answers
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about en online capital global bank [duplicate]

I have an online date that asked me to allow your payment to be made to my Swedish account. It turns out that when I contacted the bank that does not seem like a serious bank capitasglo@interbauss.com ...
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1 vote
0 answers
116 views

Is it possible for a non US resident to have a bank account in the US? [closed]

Even though I am not an US citizen and I don't live in the US, I was able (a few years ago) to open a bank account in Wells Fargo without having any proof of US residency. They recently started ...
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-1 votes
1 answer
160 views

How can I provide proof of ownership of a bank account?

I set up a gambling account ended up making a large amount of money. I have verified my ID and proof of address and I want to withdraw, but I need a proof of ownership of the bank account that funded ...
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1 vote
0 answers
46 views

Didn't receive tax refund due to incorrect account number

I requested the IRS to send my 2021 refund to two different accounts, in one of them it came through just fine. In the other, I wrote the wrong account # so it never came to me. (it's a vanguard ...
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40 votes
4 answers
5k views

Possible scam for security deposit - bank operation

I am looking for apartments to rent in Switzerland and I came across a bank operation that is rather new to me. In order to put down the security deposit, I would have to do the following: Fill in a ...
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2 votes
1 answer
46 views

How to calculate monthly savers interest profit

I am intrigued to understand how the monthly saver accounts work. For instance, I have seen one where you have to put maximum 400 pounds a month for a period of 12 months and there is an interest of 1....
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2 votes
0 answers
56 views

What could possibly explain this minor data difference from my bank? [closed]

Half a year ago, I logged into my bank's website and fetched all transaction records for my account as far back as it allowed me, which meant down to the first day of 2009. Saved as CSV file. For ...
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0 votes
2 answers
86 views

Do I need to declare any interest on my foreign account?

I live in the US and am a US resident for tax purposes. However I am originally from the UK and I have an account there. This is an account with very little money in it. At most there has been $5000 ...
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39 votes
14 answers
11k views

Are programmers in the USA still able to automate fetching their bank transactions, like was possible in the 1980s and 1990s?

I have a pretty simple question for primarily programmers in the USA, but it also goes for those elsewhere. I'm in Sweden. A couple of years ago, just when I had finally set up an automated system to ...
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1 answer
75 views

How should I deal with how the bank/VISA/companies deal with "flexible" charges?

After my bank made it impossible to auto-fetch any data, requiring an extremely tedious and manual process each time I need to log in to their website, I was forced to give up my "automated ...
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-2 votes
1 answer
144 views

Controlling money I send a parent for everyday expenses without power of attorney [closed]

I send my parent, who lives far away, all the money they need each month for subsistence and probably more, but I'm certain they are not making the best use of it and they are not able to explain what ...
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0 votes
2 answers
145 views

Do I have to submit any IRS forms every year if I own a US bank account while not being a US citizen?

I want to start a US bank account, even though I'm not a US citizen and live in the EU. Are there any IRS forms I would have to file every year just for having this bank account?
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Can I have someone else cash the stimulus check in my account?

I have received my stimulus , but I'm living abroad. So it's been very hard to cash the check. A friend of mine is visiting, would it be possible for that person to take the check and deposit at a ...
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2 votes
1 answer
63 views

What US Agencies can help with unfair treatment by US Ba

Bank is in the United States. My Aunt (in mid-70s) found a check for a huge sum that was issued one part of her Bank (part A of Bank) about 10 years ago. She put it in a box while going through lot of ...
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-2 votes
2 answers
202 views

chase has locked my account can i do?

I have a tenant that been waiting for months to get her unemployment she finally got it and she didn't have her own account and was getting ready to go out of state to take care of her mom who is ...
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4 votes
2 answers
380 views

Bank account limits: How do I pay for a house?

I am planning to buy a house next year, which is likely to cost $500k+. To fund the purchase, I’ve been selling stocks that I’ve acquired or been given by my employer over the course of many years. ...
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16 votes
6 answers
5k views

While transitioning to a new (online) bank is it OK to have my money split between two banks?

I used to keep all my money with one bank. I recently opened an account with another bank and have slowly been transitioning towards them. I have multiple jobs and sources of income. Now when someone ...
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1 vote
1 answer
228 views

Can bank accounts be locked down to prevent remote withdrawals? [closed]

IS it possible to secure a personal bank account so that deposits can be made remotely by somebody with the account number and sort code, but that withdrawals can only be made by somebody with direct ...
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2 votes
2 answers
212 views

Can somebody explain this thing about "US tax collectors" getting reports from banks about all accounts over $600?

I was reading on Slashdot about US tax collectors getting reports on accounts over $600. This quotes an Arizona Republic newspaper article discussing the proposal and a US treasury web page ...
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1 vote
4 answers
851 views

How can someone hack our bank account?

Can someone hack and withdraw money from my bank account if they have my full name, bank name, last four digit bank account number and my phone number. Yes or No, Please explain why?
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4 votes
2 answers
184 views

In layman's terms, what happens to the average Joe, in a "bank bail-in"?

I've come across some scare stories that a "bail-in", being the opposite of a bail-out, is where a bank uses deposits to restructure their capital, and that the average Joe with savings ...
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1 vote
0 answers
87 views

Can I get my outstanding IRS balance paid to my bank account?

I am owed money from the IRS and live in Sweden. They sent me a check but I live in Sweden and it is very expensive to cash a foreign check here (or any check for that matter). On my tax return I ...
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  • 159
0 votes
0 answers
80 views

How can I open a US bank account without a US address, as a non-resident US citizen?

I am a non-resident US citizen who has received some money as a check. I do not have a US postal address and have never lived there, nor do I intend to visit the US in the near future. Is it possible ...
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  • 159
0 votes
2 answers
254 views

What really is a recurring deposit?

What I do not understand is what is really meant by the term "recurring"? Also why is the minimum time limit between recurring and fixed deposit so different (min :6 months and min :7days) ...
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4 votes
1 answer
244 views

What is the difference between a checking account and savings account?

I understand the exact difference will vary from bank to bank. But in general, I understand that savings accounts have a higher interest than checking. So if it's that simple why not always use the ...
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  • 1,109
0 votes
1 answer
171 views

Error opening Sofi Money Account

When trying to open a SoFi money account (or SoFi investment account), I'm told that there was an error and they couldn't verify my identity... i have checked this information 10 times and know its ...
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2 votes
2 answers
142 views

Disadvantages of putting all cash in a chequing account

When I opened an account at a bank, I was given two bank accounts: a savings account, and a chequing account. I was also given a debit card that is linked to the chequing account. The chequing account ...
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2 votes
1 answer
134 views

Switching current accounts

I'm thinking about using Monzo as my current account, mostly because it gives a nice itemized breakdown of different types of payments going in and out of the account. I've seen that there's a current ...
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  • 485
5 votes
1 answer
53 views

Set a direct debit with an UK bank as a EU citizen moving to UK

My girlfriend (EU resident - Italian) is moving to London for 5 months beginning next Jul for a research placement. The college where she's staying asked her to pay the rent via Direct Debit at an U.K....
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  • 467
-2 votes
2 answers
162 views

How much money is needed to get an investment bank account? [closed]

I heard somewhere that to open a bank account in the Lazard-Rothschild bank, you need to have 2 million euros. Is that true? More generally, I would like to know what is the minimal amount of money ...
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1 vote
4 answers
492 views

What is the easiest way to avoid using banks while still being able to store money safely?

I have had a bank account since I can remember, which I mainly used for saving money & having a physical card to spend money with. For a long time, this his seemed a logical thing to do as I would ...
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0 votes
1 answer
58 views

Open bank account in the US or Canada

I don't know this is the right place to place this type of question or not. I am an indian citizen and I have an Indian passport. But i want to open a bank account in the US or Canada. Is there any ...
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49 votes
5 answers
11k views

Why do banks seem to be indifferent about identity theft?

Several years ago, I was in a terrible relationship in which my girlfriend fraudulently opened a credit card in my name. I forget the specifics, but she ended up transferring the full cash advance on ...
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  • 607
22 votes
11 answers
7k views

What is the purpose of budgeting if all I need to do is look at my bank/credit card statement?

I have read over Reddit's wiki on budgeting. I rarely pay with cash so I already have a record of transactions I made with payment cards. My pay stubs are e-mailed to me. So what's the point of ...
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  • 1,109
0 votes
1 answer
53 views

What does same scheme account mean in banking purpose?

I'm planning to open an online savings account in a bank where i already have normal savings account. In the form though it asks me to declare that i don't have same scheme account in their bank. I'm ...
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-3 votes
1 answer
826 views

On creating a new bank account for "sugar payments" [duplicate]

Recently, I became a sugar baby and found a daddy who wants me to create a new bank account for him to send money to. He doesn’t want to use a cash app because he has been scammed in the past. Is ...
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0 votes
1 answer
220 views

How can I find the VAT Nr of an organisation by looking at a money transfer?

I have an app in multiple appstores (ios, android, windows). I have received money from transactions in these stores, and the VAT is taken care of by the stores. Now I have to do my tax administration ...
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1 vote
1 answer
316 views

What does Turbotax mean by "This account did not have income, deductions, or credits associated with it in [year]"?

I use Turbotax to prepare my taxes in the United States. When declaring foreign financial account, Turbotax asks: What does Turbotax mean by "This account did not have income, deductions, or ...
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1 vote
0 answers
47 views

Why is a separate fiscal year needed different from that of a calendar year? [duplicate]

What is even a separate fiscal year different from that of a calendar year? A detailed answer to this is most welcome. I am asking this particularly in Indian context.
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10 votes
3 answers
4k views

Why a bank would propose a depositor to invest part of their money to mutual funds, instead of bank doing it itself?

Currently, some banks in Greece propose their depositors (via financial consultants) to invest their money in foreign mutual funds. Their main argument is that deposit interest rates are close to zero ...
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1 vote
5 answers
265 views

Why do some banks charge a fee for a low account balance?

I'm learning in economics that if your balance gets too low, you have to pay a fee. Why is this? Is it to help support the bank, or as a punishment? Or is it both?
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2 votes
4 answers
2k views

Can the bank legally deduct an amount from the coins I gave them? [closed]

If I take coins to the coin counter in a bank and don't have an account with them, can they give me half the amount worth and then refuse to give me back my change to go somewhere else?
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1 vote
1 answer
51 views

Link Australian and Canadian bank accounts

I used to live in Australia and still have my bank account active there Now I am in Canada and have Canadian bank account I want to add my Canadian bank to my paypal. Paypal allows to add US bank with ...
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1 vote
1 answer
73 views

Bank account in Germany for non-EU-residents?

I am a Brazilian student with a German PhD contract scheduled to start on April 1st, but due to the COVID pandemic which is significantly bad in Brazil, the local German consulate cancelled all visa ...
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0 votes
2 answers
223 views

How many accounts can a scammer take money from? [duplicate]

Someone wants to give me a check over the internet to deposit into my account. If I have a checking and savings account, can they access both? or can they just get to one account?
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0 votes
0 answers
127 views

Can I use an ATM to convert a cheque to money into my Revolut account?

I think the question in the title is clear enough. From here I understand it's not possible: Unfortunately we don't accept cash deposits or cheques to your Revolut account but I also read at the ...
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  • 161
0 votes
2 answers
106 views

Help Calculating Monthly Earnings with two co-existing APYs in same "Savings" Account from T-mobile Money

Background I have a T-Mobile Money (via BankMobile, a division of Customers Bank) interest checking account. I'm trying to track earnings per month but I'm a bit confused by their fine print and their ...
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3 votes
1 answer
1k views

Legality of Bank Inactivity Fees

I hadn't been paying attention to my checking account (in which I kept a minimum balance of $1500 just to avoid a monthly "maintenance fee") for about a year. But, yesterday I logged in and ...
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  • 476
6 votes
1 answer
341 views

How do I stop a homeless person’s benefits from coming into my account?

This whole situation occurred in England where I attend university. Back in early December, a homeless person (X for short) I’d previously talked a couple of times to approached me. X told me they ...
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