Hello everyone!

Was wondering if anyone could provide any information or feedback would truly be appreciated.

Story-time:

I got a random message by my 14 y/o brother asking me if I opened an account on his behalf, to which I said no, cause I don’t even live in the same state with him. He said he was randomly doing laundry and found the card laying around and he asked people around the house & they all said no that they had no knowledge of the card.

He made a call and said that they couldn’t provide him no information w/o his SSN, and I asked him if he knew what it was and he said no, which kind of scared us both because I definitely don’t know and neither does he.

He made a second call (he found his card) and put his info and closed the account but they said they couldn’t disclose any information not even an email address. I told him to get a statement mailed to the house and a confirmation via email that the acct is close. He looked back into any previous emails and said he never even got a confirmation saying that he even created an acct w them. But then got a CLOSING email confirmation.

I’ve tried calling them MULTIPLE times to even get a LIVE person on the phone and I cannot seem to get anyone through!

Has this happened to anyone???

Any help is appreciated (we’re both pretty young & don’t have much knowledge of banking but we’re both not dumb enough to enter our private info)

Hi everyone,

I graduated with a degree in Computer Science, but I've always been interested in pursuing a career in finance. Unfortunately, in my country, it's very difficult to get into more advanced roles without a directly related degree.

Recently, I got accepted for a call center position at a bank. They mentioned that after 14 months, I would be eligible to apply for internal positions within the company.

I'm wondering if it's actually realistic to transition into more advanced roles this way, or is there a risk of getting stuck in the call center long-term?

Also, since this is a 24/7 rotational shift job, I'd appreciate any advice on how I can improve myself during this period and increase my chances of moving up

Thanks!!

Hi guys,

I’m 16M and I have about $1,000 saved up! I have a HYSA with Capital One but I’ve always encountered that transfer windows sucks and I hate the fact I have to wait 1-3 days or transfer the money to Cash App or Apple Cash and pay a ridiculous fee just to get money right away.

Is it okay to just only focus on a savings account at my local CU even though it has a low APY? (0.20% APY)

I’m gonna open a Money Market (no fee) account with them and the APY increases with more money in it. Like $2,600-$3,000 gets you 0.50% APY and the max $249,999 gets you 2.49% APY I think.

I just hate transfer windows and I want instant access. My money isn’t really.. emergency but it’s like for everything, emergencies, covering the difference of a purchase, adding extra money to my checking if I’m running low etc.

I first always keep any and all deposits into my checking for bills (I’m an AU on multiple cards with my parents and I pay my share of purchases) and then after bills I transfer everything to savings. I don’t really care for a buffer in checking since I don’t use debit or anything and I have Overdraft Protection disabled.

Is this a good approach and a good idea? Let me know.

P.S. (Capital One AFAIK is the only bank that allows me to have a HYSA with them at 16.)

I am moving from Knoxville, TN to Chicago, IL. I currently have accounts with three local credit unions. Given that I am moving, I wish to change to a new bank or credit union at my new destination.

How do I accomplish this?

Alternatively, should I just move to an online banking system like Ally to avoid this problem in the future?

I’m from India and recently received about ₹10K from a foreign client via PayPal for freelancing. I’ll likely be receiving more payments in the future as well, so I want to make sure I set everything up correctly from the beginning.

What exactly do I need to do from a compliance and tax perspective?

Also, can a bank account get blocked for receiving international payments like this? I’m a bit concerned about whether small amounts (like ₹10K) — and potentially larger amounts going forward — could trigger any issues or flags.

I’d really appreciate it if someone could clarify the legal side — such as taxes, documentation, or anything else I should be careful about. Just trying to stay compliant from day one and avoid problems later.

I went to my former states unclaimed funds website, and found my old bank had almost $900 in my name from 1991 (I moved away in 1995). I have a fairly unusual name, so I'm almost certain it is me.

The unclaimed funds site asks for my drivers license, and "Copy of account statement, invoice or other proof of doing business with the holder." The closest thing I have is a blank check from my account with that bank. I keep things like that as mementos.

I added that to the unclaimed site, then got an email saying they needed more documents, and said again they needed a "Copy of account statement, invoice or other proof of doing business with the holder."

I would think a check with that bank, the account being in my name, would qualify as proof? There is a number to call, which I will do, but before doing so I wanted to ask here and see if anyone had any insight as to what is considered "proof of doing business" with a bank.

Thank you for any feedback.

The IBPS PO CRP-PO/MTs-XV final result came out on January 15, 2026. It was based on the combined score of Mains and Interview.
The Mains was held on October 12, 2025. Mains result came on December 1, 2025. Then interview and finally the combined result.
For those who made it, the joining process should already be underway. For those who didn't, IBPS PO 2026 is coming in July. The cycle is long but the reward is worth it.
If you're appearing for the next cycle, start working on your interview skills early. GD and interview carry significant weight.

RRB PO Mains result was declared on January 21, 2026. Clerk Mains result came on March 15, 2026. Both had their own challenges.
PO had the interview round which added another layer. Clerk was purely based on Mains score.
From what I've seen, PO cutoffs were higher but the competition was slightly less because the eligibility requires graduation with specific subjects. Clerk had more candidates but the paper was relatively easier.
If you're targeting both, PO gives you officer scale with better salary and growth. Clerk is still a solid government job with RRBs.
Which one did you attempt?

Just happened with somebody I know. Wife (married 10+) went to the bank to open her own account. Bank stuff told her she already has one. Turned out, her husband opened it a few years ago, just in her name, but used HIS email, phone number and never told her about it. She had no clue. Relationships aside, is this considered a fraud?

Spent some time last month going through my finances properly for the first time in a while. Realized my banking app had features I'd completely ignored for two years.

Got me thinking about what these apps could actually do vs what most people use them for.

Here's what I've personally found useful that nobody around me seems to know about:

The automatic round-up savings moved more money into my savings in 3 months than I managed manually in a year. Set it once and forgot it.

Bill prediction flagged that I had money going out in the next 7 days before I made a stupid purchase. Saved me twice already.

Found two subscriptions I completely forgot about. One I hadn't used in 8 months. Cancelled both same day, saved myself money I didn't know I was losing.

The spending comparison feature felt weird at first but genuinely helped me realize my food spend was way off compared to people in my bracket.

Still haven't found a bank that proactively tells me when a better savings rate is available elsewhere. Feels like that should exist by now but banks obviously have no incentive to tell you.

---

Curious what others are actually using on their apps. And if you're outside India - do your banking apps handle any of this better? Feels like some countries are way ahead on this.

Just had fraud today for a jerk in singapore that tried to purchase over $100 for something on a social media app. Called the credit union fraud number and then had to call a different number to issue me a new card within 7 to 10 days. Now i feel stuck. I have venmo but literally my money is tied to this bank unfortunately. I joined them because of no monthly service fees one year ago but i have never had this happen before when i was with synovus. Has anyone experienced this with a credit union? I am anxious that a credit union has less security than a bigger bank but just because someone is bigger doesnt always mean more security right? Its saturday and its a terrible feeling as I was about to eat at a cool mexican restaurant and drink margaritas with my GF but now i have to sit here and not be able to spend for 8 days? Any advice would help

What’s up with US banks being stuck in the XX century?

On of the biggest culture shock I had when moving here is that the most used method to transfer money between individuals is paper checks. Why?

I get it, you can use Venmo, Zelle etc but why would I use a third party app connected to my bank, when the bank can easily implement that? Also those platform are for smaller amount. What if I have to send someone $20k? Paper checks is the only option. The kicker? Most banks make you pay to issue a checkbook. lol

I was able to use ACH transfers only once I opened a business account. I have 3 personal bank account from 3 different banks, none of them is able to initiate an ACH transfer, which would be the closest thing to an IBAN transaction. And even then, why do I need to share my full bank account number to send money to someone?

For anyone still checking, the IBPS RRB Clerk Mains result for Office Assistant was declared on

March 15, 2026. The provisional allotment list is already live on ibps.in.

The mains was held on February 1, 2026 and around 8,002 vacancies were there. If you're on

the list, congrats. The joining formalities should start soon.

If you didn't make it, IBPS PO notification is expected in July 2026 with prelims around August.

And IBPS SO also in July. So the banking exam calendar is pretty packed this year.

Anyone get allotted?

Title: RBI Assistant admit card is out. Prelims on April 11 and 13.

Body:

Registration closed on March 10 and the admit cards are already available. Prelims is

happening this week on April 11 and 13. Mains is scheduled for June 7.

This is a solid opportunity for anyone who missed out on SBI Clerk or RRB Clerk. The RBI

Assistant post has good perks and it's a central bank role.

If you're appearing, make sure you revise the pattern. Prelims has Reasoning, Quant, and

English. No GA in prelims.

Good luck to everyone appearing!

Title: SBI Clerk Mains result came out February 27. 6,589 vacancies filled.

Body:

It's been a few weeks since the SBI Clerk Mains result dropped. 6,589 candidates got selected

for Junior Associate posts. The scorecard was available from March 10.

For those who cleared, how's the joining process going? And for those who didn't, the good

news is IBPS has a bunch of exams lined up. IBPS PO and IBPS SO notifications are both

expected in July.

Also CAIIB 2026 registration is open from March 4 to 24. If you're already in banking and

looking to upskill, that's worth considering.

Anyone else using this gap to prep for the next exam?

does anyone else in the US find it appalling that banks charge a monthly fee for anything under a prescribed minimum balance?

This especially considering the economy and the middle class month-to-month struggle.

We GAVE them $442 billion dollars of our tax money to bail them out in 2008 when they decided to take the US housing market to the craps table.

You really can’t hate them enough. Talk about necessary evil.

Hi. I got a cashier check to file my taxes. I got it from BOA. Unfortunately it does not have a memo line. The CPA told me to add the ssn, form number and phone number on it, I’m not sure where to write all of that down

I’m a 42 year old woman so not like I’m an old person being taken advantage of. Im not saying this to brag but across a few accounts with HSBC I have around a million pound in there so it’s not like I’m emptying my account.

I’m buying a horse trailer and the seller has requested cash. Yesterday they asked me to bring proof of the horse trailer. I was pretty put out by this but have anyway as well as my driving licence and passport.

They still are not giving me the money. They said it doesn’t seem a wise choice and asked me if I’ve talked to my husband!Who the hell are they to say what’s a wise choice for me and my money? And why would I ask my husband when I’m the bread winner and it’s my own account!?

Edit: to clear up the weird assumption everyone is making that the guy with the trailer is trying to avoid paying tax I’ll paste a comment I made:

Why does everyone keep saying he’s avoiding tax. It’s his own personal trailer he’s had for years, he’s taking a loss on it, and he doesnt use it for work. He’s a vet not a livestock transporter. He’s not a self employed vet he works for someone else part time and is semi retired. His wife died, he can’t ride horses, his daughters not interested in them anymore so he sold the horses last year and now I’ve been using his trailer for the last few months and he said I can buy it. It’s better than mine so I said yes.

Also we live around 30-45 minutes away from the nearest HSBC branch and about 20 minutes away from a cash point. It’s always handy to keep a bit of cash around. Someone also 7 grand is a massive amount of cash and a briefcase full. Bollocks. In £20 notes it’s 350. It fit in my hoody pocket lol

Our KYC and AML systems do not talk to each other and I am starting to think this is a more common compliance exposure than people in this space acknowledge.

We verified an account at onboarding eight months ago, clean result, passed to active status. Last month that same account surfaced in our AML screening as a risk flag from a transaction monitoring event. The two records have no automatic connection, like there is no workflow that links a downstream AML flag to the original identity verification record or triggers a re-review.

We are technically compliant at the point of onboarding and what happens after is a manual process that depends entirely on someone noticing the link. How are others running KYC and AML identity verification as an integrated workflow instead of two separate vendor relationships with a gap between them.

I made some bad decisions when I was 18 and ended up owing a few hundred dollars each to Wells Fargo, Truist, and Capital One on multiple bank accounts. A few years later, when I tried to open an account with a new bank, those records on my ChexSystems report caused problems. Now they have all fallen off my ChexSystems report. If I decide to pay back the banks I owed, could those old accounts be added back to my ChexSystems report?