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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

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1
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1answer
554 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
329 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
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1answer
164 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
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7answers
4k 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
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2answers
404 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 ...
2
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1answer
124 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
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2answers
9k 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
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0answers
71 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?
3
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2answers
3k 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
370 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
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2answers
3k 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 (...
2
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2answers
338 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
311 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
284 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
327 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 ...
2
votes
1answer
7k views

Chase QuickPay money sent to the wrong account [closed]

If money is sent by Chase QuickPay to the wrong account, how I can I get it back? The money was sent to the wrong telephone number; it went to someone I don't know. Chase refuses to help. They ...
2
votes
1answer
127 views

Opening offshore account from UK [closed]

I have a question about how to open an offshore account (preferably Switzerland) from within UK. I am British, a resident of UK, British passport, no duel citizenship. I have no intention of living ...
1
vote
1answer
121 views

Which countries allow eChecks?

I assume all banks everywhere allow eChecks. But I am learning that ACH only works in the US. Other countries have their own similar networks, but I don't know if they can work smoothly with each ...
2
votes
1answer
132 views

Is there any kind/type of bank accounts that does not show me the transaction history of my account? [closed]

I need to have a bank account for my NGO that can be accessible by anyone. In order to do that I will share my credentials. My problem is, I need no one to be able to see the transaction history of ...
0
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4answers
185 views

How does a online only bank protect itself against fraud? [closed]

I'm sure this is a very broad question. I wanted to know your thoughts and possibly reading sources on What are the top 2-3 ways that criminals conduct online fraud? IS there any data that I can ...
0
votes
1answer
161 views

What is “SEPA-Direct Debit Bulk Core”?

I just noticed that on my German bank account, I received around 15€. Under the transaction description, it only says SEPA-Direct Debit Bulk Core. Normally, the transaction descriptions for interest ...
2
votes
1answer
827 views

ACH Transfer limits

I belong to a Credit Union and they tell me that the maximum amount I can transfer via ACH is $500. That seems very low to me. Is that normal?
2
votes
1answer
7k views

Money transfer from a French bank to an Indian Bank

I am a student in India. Recently, I attended a conference in Paris and the organizers will be reimbursing my travel through online bank transfer. However, they are insisting on IBAN/RIB no. Indian ...
16
votes
7answers
5k views

Why don't banks allow more control over credit/debit card charges?

Why don't most banks have a system where, when you charge something on your credit or debit card, you then have to log into the bank and approve the transfer of funds? Alternatively, why don't they ...
4
votes
1answer
297 views

Is it OK that my bank's routing number is nowhere near me?

I have an HSBC account. The checks on said account have a routing number of 021001088. From what I found, this number has a location of Buffalo, Ny. That is a little weird since I live in NYC and the ...
-7
votes
3answers
3k views

Physical CHECK Front Side - Question

Would anyone please be so kind to tell me which address is under the name of financial institution which is located on the top of front side of check? Is this address the address where the letter ...
-1
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1answer
285 views

Where to request ACH Direct DEBIT of funds from MY OWN personal bank account?

Could anyone please explain where and how to request ACH Direct DEBIT of funds from MY OWN personal bank account? The ACH Processors such as nationalach.com are out of the question because they only ...
5
votes
1answer
160 views

Closing business bank account. What records should I download from my bank for record keeping?

We are about to close our small business bank account. I need advice on what information I should download from online-banking before I actually close the old account. I imagine that getting these ...
0
votes
1answer
124 views

Personal Online Money Saving [closed]

I'm thirteen. I want to get some money for various online transactions. I do not want a full on bank account, nor can I get a joint checking account, because I don't to approach my dad about it. I ...
5
votes
1answer
269 views

MM account disappeared after NetBank failure. How to recover funds?

First-time poster. :O) In 2002 I opened and funded an online-only account with NetBank; the terms of the promotion required funds remain untouched for an extended period. Once the account was funded ...
3
votes
1answer
3k views

Are ACH transfers between individuals possible?

All the information I've found on ACH transfers for individuals apply to the scenario in which the individual makes payments to an institution of some kind (usually a business). But are ACH transfers ...
1
vote
1answer
335 views

Gnucash creating transactions for wrong account in import

Something seems to be broken in the setup of my online accounts: whenever I get transactions for one of my accounts (via HBCI), Gnucash creates transactions for a different account and also looks for ...
3
votes
2answers
1k views

How does Wells Fargo can detect my right account if I have multiple accounts when I am transferring money?

I have 4 different bank accounts with 4 different banks. I wanted to transfer money from my account in Wells Fargo to my account in some other bank ONLINE. But I don't see any option to add my other ...
0
votes
2answers
1k views

How a Russian citizen can get money from her US bank account?

My friend is a Russian citizen. Some time ago, she worked in the US. She has a US bank account but now she lives in Russia. How can she get her money?
1
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2answers
130 views

Do numbers in an account number represent anything?

For example Is it possible to understand what the currency of an account is from the account number. Is there a global standard for this or all banks have their own ?
16
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5answers
219k views

How do I make a one of payment to my HSBC credit card bill with a HSBC debit card UK

I need to pay my HSBC credit card bill with a HSBC debit card and I can't transfer money between accounts (it doesn't show up on the list of accounts). When I click on the direct debit details it says ...
5
votes
2answers
17k views

What is the best way to dispose of old checkbooks?

I have a checkbook from my US-based online bank, but the address on the checks is now out of date. What is the best way to destroy the checkbook? Do I need to notify my bank that I am not using the ...
1
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1answer
10k views

Do SWIFT payments with wrong first name still go through?

I'm supposed to receive a payment from another country, yet when I provided the details, I confused the card with my husband's meaning the card holder firstname is wrong. Do such payments still get ...
1
vote
1answer
198 views

e-banking from oversea bank to the UK bank & IBAN code

I have paid my tuition fees with e-banking from my country to the UK. And I've filled in SWIFT code and the addressee’s name, address, and UK account number instead of IBAN code. This will be ...
86
votes
8answers
188k views

Is it a scam if the person only wants to deposit into my account, not make a withdrawal?

A man in west coast Austria wants to deposit money into my account. I'm in Alabama. I had to get an online account. I did that, but he says his bank manager needs all this information: DOB ...
3
votes
2answers
503 views

Tangerine's Android app asked me something about noting my location. What did it ask, and what did I agree to?

I live in Canada. I use Tangerine (formerly ING Direct). Tangerine is the "direct banking" division of Scotiabank. The upside of using Tangerine is that it charges no monthly fees. The downside is ...
1
vote
1answer
61 views

Control mechanisms on banks' total income [closed]

What standard or rule controls total money transactions in a bank (especially internet banks) so that they don't create money for themselves? As I understand it, banks can create money as they loan. ...
0
votes
1answer
2k views

What UK banks use card readers?

I'm with a UK bank that authenticates by sending a text message to a mobile phone number. I don't like this at all and I would like to switch to a bank that uses a solution with a cardreader, so that ...
1
vote
0answers
5k views

How to transfer funds online from a Canadian CIBC account to RBC instantly?

I thought Interac transfer is instant but my mom wants to send me money from her CIBC account but she said it takes 2-3 business days? What method can be used to transfer from a CIBC checking to a ...
1
vote
1answer
130 views

How can I compare having accounts at various banks without opening an account?

I currently have an HSBC checking, savings, credit card, and overdraft protection account. I do not like HSBC though for a number of reasons, so I'm looking into transferring to a different bank. ...
0
votes
1answer
94 views

What is the most convenient way I can accept money transfer online? [closed]

I've made a deal with a person over email. He needs to send the payment online (around $3000), what is the quickest way I can make this happen? I need to be able to accept this transfer by tomorrow.
3
votes
0answers
62 views

What is the SEPA optional category?

When I'm writing a wire transfer (both with my personal and with my company's accounts), my bank allows me to enter "optional SEPA fields", most of them look redundant or useless, but one is a bit ...
2
votes
1answer
126 views

Is there a US credit union for foreign people?

I need to open a US account. I work for US based clients from Argentina and I need to receive payments and to transfer funds outside the US. I'm using PayPal, but I need another option to receive ...
3
votes
1answer
2k views

Is there a way to open a U.S. bank account for my LLC remotely?

I'm operating a company remotely — I'm not in the U.S. Is there a way to open a bank account without going to the U.S.? I've called a few banks and most of them require myself to go the a ...
6
votes
3answers
221k views

What is the difference between the closing date and due date for a credit card?

I just got my first credit card ever to begin building a credit. I got the chase credit card called Freedom. I have heard so many stories of credit cards that I got a little scared and that is why ...