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

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1answer
74 views

Can i receive money on PayPal account without a linked bank account

I have a PayPal account but I'm about to be paid without a bank account linked can I receive the money and spend it
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1answer
112 views

Wiill banks refuse my application for a current account if I don't pay a salary in?

I want to apply for a second current account to put funds into and also for some perks that they have (I don't want any interest due to religious reasons). But my salary will not be going into this ...
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0answers
108 views

Charge back from Zelle how can i get my money back?

My mother banks Wells Fargo. She transfers funds to my Chase Bank account by Zelle. I receive the funds. This money is for paying her bills and taking care of her. this was on April 3, 2020. On April ...
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1answer
167 views

If online company wants to deposits money into my banking account and wants me to send it to back to there vendor is it a scam can i be responsible [duplicate]

Do business do interview on hangout, and then they want to send you money for software but needs all your online banking information? They sent me money through my cash app. They want me send it to ...
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1answer
147 views

How long to wait before spending wire transfer money?

I made a trade online and someone wire transferred me some money. There's a possibility that the person might reverse the transaction. So how long should i wait before it is confirmed that the money ...
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1answer
55 views

Is there an international authority regulating (or aspiring to regulate) the software development of banking applications? [closed]

Every passing year, many people use more and more Banking applications and less billing cards and cash. In every state, banking applications can vary both one from the other and they can vary between ...
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1answer
79 views

Is using a firewall debit card (curve) a good solution to protect my main credit card?

I'm using Curve, a physical debit card that connects all your credit and debit cards in one and let you decide which one to use at each transaction by using its own app. I've used it with my lower ...
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1answer
101 views

Double charge while paying online

Lately I've started encountering this double charge procedure on almost every online payment I do. For example, I've ordered some food from UberEats and the bill was 20,00€ (€10,00 x 2). I ...
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0answers
31 views

Signing up with Zelle with a foreign address

I received $300 from family by Zelle notification in email. I tried to sign up with Zelle, and my bank is a Zelle member, but the online app refused. Could it be because my banking address is foreign? ...
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0answers
66 views

Sugar daddy wants to transfer me money for me to buy him gift cards [duplicate]

I’ve been talking to a sugar daddy for a couple days and he wants to mobile transfer me 200$. He wants me to buy 150$ worth of google play gift cards for him and then keep 50$ for myself. Is this a ...
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55 views

endorsing a check for mobile deposits

My bank requires me to write the following on the back of a cheque before I can use their mobile app to send it over to them: For mobile deposit at XYZ bank only I am very worried that once I ...
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0answers
34 views

Revolut closing account abroad?

I opened my Revolut account 2 years ago in the UK (at that time it was only for residents in the UK). I moved last year to Sweden to study… I never informed Revolut. My problem is that my passport ...
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1answer
452 views

Is my sugar mamma scamming me [duplicate]

So I like an idiot wanted to make money and fast so I picked a sugar mamma who I then gave access to my online banking. **After! Agreeing to an amount of 300$ ** she then told me she was going to need ...
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1answer
222 views

How to cancel a credit card you currently have debt on if the bank won't respond?

Several months ago, I got a credit card from Santander. I've tried many times to get their app Santander Sign set up and after about two months, it finally worked. But I still can't sign in because ...
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1answer
111 views

Skimmers and bank accounts and banking security

I have read that banks will reimburse for "fraudulent activities". If I have a savings account and checking account, and my ATM is not linked to say my checking account, can this account ever be ...
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0answers
85 views

Transferring money from HSBC UK to TD Bank in Canada

Lets say I want to transfer money to Canada from UK. HSBC-UK asks me to to enter the following information Payee account number Payments Canada Routing number Bank Name Now the question : Should "...
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1answer
274 views

What does “LAWS” mean when appearing in a bank statement?

Some of the transactions on my bank statements have the code "LAWS" appearing in them, followed by a 6 digit code. It is also preceded by the payer's name. Does "LAWS" mean anything in finance ...
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1answer
42 views

Does Fineco Bank support trading on Tokyo Stock Exchange (TYO)?

Does the Italian financial bank "Fineco" supports trading on the Tokyo stock exchange? I can't manage to get this information anywhere.
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0answers
52 views

I'm on vacation in Europe. Can I transfer between my 2 US bank accounts?

I'm in Europe for 5 months. I have an ATM card linked to 2 accounts at my local US bank (first account is in Euro and the second in USD). Can I use my ATM card in Europe and transfer bfrom my Euro ...
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3answers
5k views

How do you link two checking accounts from two different banks in two different countries?

My fiancé wants to transfer a substantial amount from his Norwegian bank account to my U.S. bank account in a different and unaffiliated bank. He says he does not want to wire transfer the money. ...
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2answers
206 views

Why would I open a low-rate 9 month CD instead of a higher rate savings account?

One specific (popular online) bank is offering a 9 month 1.25% CD, while it's savings account is 1.90%. There's no way I see interest rates tumbling in the next nine months, so why should I -- why ...
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1answer
473 views

Why do US online banks require permanent residency?

I am legally residing and working in the US under an H1B visa and so far haven't had any issues opening bank accounts. All I was ever asked for was proof of US address and a valid Social Security ...
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0answers
31 views

Local routing numbers to receive payment in AED

I live in India. One of my clients requires a UAE based bank account to make the payment. I was looking for local routing number providers like Transferwise and Payoneer. These companies provide ...
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3answers
1k views

How to continue using the online banking feature of GnuCash (AqBanking) with PSD2 in effect?

I'm running GnuCash 2.6.19 (with AqBanking 5.7.8.0) on Ubuntu 18.04.3 LTS. Ever since the European Commission's Revised Directive on Payment Services (PSD2) came into effect online banking with the ...
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3answers
4k views

How to understand payment due date for a credit card

I just recently got my very first credit card, the Discover It Card. I knew it was crucial to have one, as a great credit score is needed for important things. The question I have is in regards to the ...
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2answers
3k views

Why different interest rates for checking and savings?

I have recently become financially independent (21 yo student in US) and I am starting an independent bank account. I noticed that the interest rates on savings accounts are significantly higher than ...
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1answer
1k views

Should I enter spaces when entering the IBAN for online transactions? [closed]

The IBAN number of the account I want to transfer money to is NL99 INGB 9999 1234 99. When entering these details in the my online banking portal, do I have to insert spaces as shown or type the 18 ...
2
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1answer
694 views

What is Money multiplier deposit or MMD?

What is money multiplier deposit or MMD? How it works in Indian bank?
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1answer
3k views

Cashed a check twice

I recently had the stupidest idea to change my direct deposit from Wells Fargo to Bank of America (my BOFA account is about 6 months old). Since I changed it 2 weeks in advance I was shocked when I ...
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3answers
211 views

Other ways besides USPS/FedEx/etc to deposit LARGE checks into online banks?

Mobile Deposit is great and all, but most mobile apps have pretty low deposit limits. Even though Ally's limit is high ($50,000), checks can of course be higher. Thus, what's the alternative to ...
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2answers
644 views

do I need to send my online access information if someone is depositing money into my account is this a scam? [duplicate]

I met someone online. She says she wants to help me with legal issues. She said her late father left her a business and she says she is selling the business and sending the money to my account. She ...
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1answer
2k views

How does ACH Deposit work (USA) - account holder name mismatch?

I would have a question related to ACH deposit where payment processor behind the website (i think it is Stripe processor) request, in Banking part of webpage section, only account number and routing ...
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2answers
775 views

Are checks safe to use given mobile deposit?

Inspired by this question Also, not a duplicate of this question as it's focused on image only deposit. Since checks can be deposited via an image (mobile deposit), it seems like it would be ...
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1answer
282 views

How to close a bank account with six figure savings?

The bank is American and I am not happy with their recent policy changes. I do have other bank accounts. Now, some facts about me: I am an individual, not a business entity, not an investor. I've had ...
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3answers
7k 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 ...
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2answers
68 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?
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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 ...
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0answers
43 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 ...
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0answers
127 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
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1answer
114 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 ...
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1answer
448 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 ...
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1answer
99 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
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1answer
146 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 ...
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3answers
426 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 ...
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2answers
153 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 ...
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3answers
5k 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 ...
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1answer
107 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
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2answers
137 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, ...
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1answer
161 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
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2answers
270 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 ...