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Questions tagged [online-banking]

To be used for any questions related to banking transactions that can be carried out online [web based]. There is another broader tag online-tools if the questions is not specific to Banking

24
votes
3answers
6k views

What information do scammers need to withdraw money from an account?

There is a story currently on the BBC news website. The relevant points are: Scammers called Alex pretending to be BT (telecommunications provider). Alex provided scammers with information / help ...
0
votes
2answers
64 views

Are intra-state and out-of-state online accounts insured by the FDIC?

Are intra state and out of state ONLINE savings/checking/CDs/money market accounts FDIC insured same as local brick & mortar bank accounts?
6
votes
3answers
20k views

Disadvantages of online checking accounts?

My parents helped me set up checking and savings accounts through Wells Fargo when I was a teenager and got my first job. Only now, ten years later, I’m realizing that the Wells Fargo accounts aren’t ...
1
vote
0answers
37 views

Quickbooks Add-On Service Discontinued on 5/31

I am using QuickBooks Pro 2016. I received a notice that Online banking will stop working after 5/31. My question is if automatic bank transaction sync going to stop working only and/or the ability ...
0
votes
0answers
81 views

man wants to send me money but wants my username and password- if i create a new bank account will i be safe? [duplicate]

a man contacted me on instagram for a sort of sugar baby arrangement, and wants my bank username and password to deposit money into my account. he says he needs this information so he can structure ...
3
votes
1answer
107 views

Do online billpay/banking force NSFs when they can?

When online banking and payment systems first came out, I remember they used to have a lot of issues with giving indicators (visual/email payment confirmation) that a payment was 'locked in', but then ...
0
votes
0answers
138 views

PayPal - getting away from them with TransferWise

We are outside the US and can't use Stripe for our business. Using PayPal, we have thousands of USD in the balance. I need to take large amount of money from my PayPal and move it to a bank account ...
1
vote
1answer
357 views

I wired a scammer some money, what now?

I mistakenly made a wire transfer (through swift) to an online scammer. I then asked my bank to issue a recall, which didn't work. Then I let them issue a fraudulent recall, now the receiver says the ...
0
votes
1answer
91 views

US Financial Institutions Blocking Foreign IPs

Frustration aside, why do many financial institutions block other country IP addresses? What purpose does this serve, is it a legal requirement for some institutions (examples: The Money Source, My ...
2
votes
1answer
136 views

Bank Accounts that use a common number

Why do some sorts of accounts not have their own account numbers? Instead they appear to pay into some sort of general account, relying on a roll number or reference to distinguish them. My Mortgage ...
7
votes
3answers
335 views

When do institutions exchange physical currency from electronic payments?

This question always been on my mind and I never truly understood the concept. I’ve done some digging and haven’t found the answer that is comprehensive. I want to understand at what point does a ...
2
votes
2answers
94 views

Are there any catches to no penalty CDs?

My bank offers a a 2.25% savings account. They also offer a 2.35% no penalty CD. This sounds like a straight upgrade with no downsides (ignoring a 7 day minimum holding period). This sounds too good ...
5
votes
3answers
298 views

Why do banks have daily deposit limits for check deposits with app?

I have a bunch of accounts at Fidelity and use their app to deposit checks on my phone. Each account has a daily deposit limit that is based on a number of factors, but the most important appears to ...
1
vote
1answer
82 views

Landsbankinn and OTP bank issue [duplicate]

A friend of mine sent me a sum of some 300 EUR (from Iceland to Croatia) but mistakenly used the IBAN of my bank and not my bank account. He included my full name and bank's SWIFT code. What is the ...
2
votes
2answers
121 views

Why are banks sharing connection/synchronisation mechanisms?

I noticed that my banks (at least in France) start to offer the ability to consolidate accounts from other banks (in order to have a unified view of all belongings). This is not done though a public, ...
0
votes
1answer
42 views

ICICI: Redeem Mutual Fund SIPs through net banking

I invested in mutual fund through ICICI net banking. After 7 SIPs, I stopped transaction for that fund, but did not get any money back in my bank account. Can someone please guide how to redeem the ...
3
votes
2answers
204 views

UK Issuing Bank blocked Debit Card. Said card was used fraudulently on ecommerce website. How can this happen?

I was using my UK bank account debit card in India, to buy few flight tickets for my inter city travel. Using my own laptop, in a co-working space. Website used : www.makemytrip.com -- is one of ...
4
votes
2answers
153 views

Does my bank's use of Voice ID put my assets at risk?

This week, I learned that Chase has introduced voice ID for my account, meaning when I call them, they will match my voice with their stored information, and allow phone access to my account based on ...
1
vote
2answers
45 views

Information about fee via 3ds secure protocol [closed]

I've made a transaction between my 2 cards issued by different Financial institutions (Banks). I've confirmed the transaction amount in 3DS window. But the total amount was decreased on a fee volume. ...
0
votes
1answer
770 views

Username/password change, can I be scammed later?

I gave my bank account log in and username along with security answers to someone. If I changed my username and password as well as my security questions, could I still be scammed later on?
78
votes
7answers
25k views

Is this work legal? Someone promises payment for converting money transfers to Bitcoin

An online company hired my friend as an account assistant. They told him they are a business consulting firm, and that they need an account assistant in every area. His job is the following: Some ...
0
votes
1answer
60 views

linking external bank accounts to other banks

A well known bank in my area mentions you can link external bank accounts and superannuation funds to your one bank account so you can conveniently see all your funds and net worth in one place, but ...
43
votes
11answers
13k views

Why is a transfer from an account to another not done instantly when it's not the same bank?

I own accounts at two different Romanian banks. When I transfer money to another account at the same bank, the money is transferred immediately. However, when I transfer money to an account at a ...
0
votes
1answer
50 views

External fund transfer Internet banking

Recently I got the internet banking service and I want to make an external fund transfer to a bank in USA am in Jordan. and I have to fill the following fields to complete the transaction ...
68
votes
6answers
113k views

Sugar daddy wants my online banking login info to make deposits — is it a scam?

Someone is offering to pay me in a sort of sugar daddy/sugar baby arrangement. They want to make online deposits to me, and they're asking me for my online banking username and password. Is that ...
0
votes
1answer
442 views

Preventing inactive Chase bank accounts

I had recently opened a Chase savings account and a checking account. I planned on using my checking account as a direct deposit. Would automating transfers from checking to savings prevent my savings ...
-3
votes
2answers
201 views

If you give someone your accountant and name on the account do they get access to your account?

If you give someone the name of your accountant and name on the account do they get access to your account? Accountant like the person helping you manage your money. I have someone offering to make a ...
1
vote
1answer
117 views

What personal data can a US bank legitimately request when I want to open a checking account?

I am trying to open a bank checking account online in the US. I have provided my US driver's license number and Social Security number. I have provided evidence that I have access to another bank ...
1
vote
1answer
127 views

What can I do to get credit issuers to tell me exactly why I was not approved?

Whenever I apply for a credit card or credit line on the internet, I am often given the message that I was not approved, and that I would get a letter via snail mail as to why I was denied. But, when ...
2
votes
1answer
103 views

Will an only-online checking account work for a new worker? (18 years old)

I am completely new to opening banking accounts and using checks and all of that. I just got a job at McDonald's and I can get paid with a money card (not sure what that is yet) until I open a ...
2
votes
4answers
724 views

Does transferring $10 to various bank accounts count as money laundering?

I am making an app that rewards users with real money for using the app. The money comes from the profit I get from ads the user views. Basically, I am sharing my ads profit with my users. However, ...
3
votes
1answer
142 views

KMyMoney: Extract payee from memo field using regular expressions

short version: How does the "Extract payee from memo field" feature in KMyMoney work? You can find it here: KMyMoney > Accounts > Choose account > "Edit Account" > "Online Settings" > "Extract payee ...
1
vote
1answer
11k views

How long does it take for a Tangerine no-fee money-transfer email to be delivered?

I live in Canada. I use Tangerine (formerly ING Direct). Tangerine is the "direct banking" division of Scotiabank; it has no monthly fees but also no tellers. They let me send "Interac email money ...
2
votes
2answers
476 views

How to prove that I did not receive a payment

I'm working with an online company that sends payments through a bank. I sent them a payment request a while ago with my IBAN + the bank SWIFT and other details provided, so they could transfer the ...
0
votes
1answer
98 views

Strategies to guarantee arrival time for transfers between banks

I would like to set up a recurring transfer that is guaranteed to arrive at its destination by a certain date. Example A recurring transfer is delivered from Online Savings Account 123 to Checking ...
1
vote
1answer
503 views

Large Amount of cash withdrawals from bank

I borrowed money from friends to make a cash purchase of 14k on a house. I deposited the funds in small increments. I was unable to purchase the house because it was sold to the highest bidder. So ...
3
votes
2answers
279 views

Minor child scammed into thinking he could make money using his bank account [closed]

If a minor child with a bank account falls for a scam in which he is told he can make money and must give his personal bank information to the person telling him this, what can happen? Has anyone ...
0
votes
1answer
157 views

ACH File Transmission [closed]

Is there any desktop software, either web based or desktop based, to transmit ACH File request to the financial institution? I saw some ACH File creation applications but cannot find any transmission/...
7
votes
7answers
3k views

Is threatening to close the account a good way to negotiate with the bank?

I have an account with Bank of America who removed some features of the account without my consent and I want to get back those features for the same price it cost when I opened it. I guess that ...
2
votes
2answers
315 views

Different card for each budget category

My wife and I are having trouble with the daily task of entering payments into our budget tracking system. Furthermore, we are never able to verify how well we're going against our actual bank ...
3
votes
1answer
117 views

Withdrawing or depositing more than ATM limit when dealing with online banks?

Say I want to withdraw/deposit cash above my ATM limit (say, $7,000) from my bank account instantly. In a brick-and-mortar bank, it's no problem: you walk in and the bank teller does that for you. If ...
24
votes
2answers
7k views

Why does it take 3 days to do electronic transfers between banks? [duplicate]

It seems like electronic transfers can take 2 - 3 days to complete. For example, when I ask my online broker to transfer money from my checking account, the money won't actually be available to trade ...
1
vote
0answers
69 views

How can a non resident of US open a US Bank Account? [duplicate]

Please is there anybody with useful hints or information on how to open a US Bank account as a foreigner in the USA?
4
votes
2answers
2k views

Potential phishing scam?

Made a large purchase order on a site with a safe Norton rating and A+ BBB rating. Noticed I put the wrong shipping address, called the number on the site, and I got the order canceled and received an ...
2
votes
2answers
366 views

Pay via Debit Card or Bank's portal

Most online businesses I access have multiple payment modes, two of which (them being the ones I can use) are debit cards and online banking. Choosing the latter takes you to your bank's online portal,...
1
vote
2answers
2k views

Why was I charged twice?

I've got two line items in my "In Process Transactions" table via my online banking interface like this: DEC 22 POS PUR **** [ITEM1] $500.67 DEC 22 POS PUR **** [ITEM2] $1000.29 Then above it (...
3
votes
2answers
305 views

It is usual practice for the most relevant part of online banking services (making payments) to only be available during working hours of a bank?

Where I live (Central Europe) it doesn't seem to be possible to make a transaction between two bank accounts of two different banks that is outside their office hours. This also applies to online ...
3
votes
1answer
267 views

Is it possible as a non-Indian citizen to create an Indian bank account (denominated in rupees) that can exchange & repatriate its funds?

I'm not of Indian origin or nationality and I do not live/work in India, but I would like to open an account in India into which I can deposit funds and repatriate them if need be. Looking into it, I'...
0
votes
1answer
196 views

Debit card without address [closed]

I am wondering if there is a way to get a bank account/debit card without an address to send it to. I am wanting to give the cards to people in need and be able to send money to the bank/card when ...
1
vote
1answer
265 views

app for realtime account balances [closed]

I want to make accessing my bank account balances as painless as possible, I'm looking for a product or app that would show me my checking and credit account balances in real time without having to ...