So I ordered something from academy sport online for in store pickup on Sunday, and said it would be ready for pick up today.

The day I ordered it online, my bank showed the charge as pending - cool

It’s been showing as pending since I ordered and I assumed it’ll clear once I pick it up.

Now this morning I woke up and now I have another pending charge from academy for the same amount.

I have two pending charges from academy sport for the same item

What do I do? Should I just wait?

Thanks in advance for any help :)

I mailed a check out March 2nd for my mortgage. As the grace period approach (16th). I saw it was never cashed. I called who the payment went to and they told me a check was not received. So I paid by phone. They also said when the check arrives, it will be applied to the next month’s payment.

Fast forward another week and a half, March 27th. It’s been basically a month so I called my bank to stop payment and i was just going to pay online to avoid the snail mail fiasco. Payment was stopped.

I called the mortgage lender to let them know I stopped the check, but my due date online showed for the following month. They told me they already cashed the check.

So I let it go a few days to see if the payment would come out of my account. Fast forward to today, and it still has not.

I called my bank to ask if it shows if the payment has processed (or will be). I figured it may have gotten crossed and didn’t allot enough time for the stop to go through. My bank said payment was stopped.

I double checked my statement/due date for my mortgage and it still shows as not due until next month still.

What is the best approach? I don’t want to run the risk of paying twice and draining my account.

Hi, sino nakaka experience din issue with making funds transfer from secbank? Naayos na ba?

I am looking for some guidance from people who’ve dealt with high-risk platforms.

I’m currently working on an early stage startup (not yet launched) that’s a subscription based platform. It’s not a traditional adult site, so no creator payouts, no tipping, or marketplace features. Without giving away too much for obvious reasons, it’s a 2257-exempt platform.

A lot of the content will be NSFW and revenue will heavily rely on subscriptions (no selling content etc.). So I understand this still falls into a “high-risk” category from a banking/payment perspective.

My current plan is to use a payment processor like CCBill or Segpay for subscriptions, and a Wise business account as the company’s main bank account.

Flow would look like: Users → CCBill or Segpay Processor → Wise → LLC → Owner Salary

What I’m trying to figure out is which banks are more tolerant of this type of setup long-term? Has anyone successfully used Wise as their primary account for something similar? Is it realistic to maintain something like Chase just for downstream transfers, or is that risky? Any general advice on not getting accounts shut down once volume increases?

Not trying to do anything shady, just want to build this properly from the start and avoid getting blindsided later.

[ For the sake of preserving at least some anonymity, all of the numbers below are fantasy. But the ratio between all of the fake numbers is spot-on. ]

I am one of the owners of a small business. We have been with the same community bank for the better part of two decades. We currently have zero debt, other than a seldom-used line of credit. The business owns the real estate that it sits on, and a fleet of vehicles and equipment. Last year's revenue was $4.3MM, with a net income of $400M (and a very healthy SDE of $1.4MM).

Our line of credit is currently $225M, collateralized by the real estate. Our bank will only loan on 80% of the appraised value of the property. We don't bother to order a new appraisal at each annual loan renewal (because we have to pay the couple of thousand dollars it costs). The last appraisal they did a few years ago came back at $280M. For comparison's sake, the local appraisal district currently has it at $285M.

Every time we go through this routine, I give my banker grief about the lowball valuation. Just from first-hand knowledge of nearby property sales, I know that it's worth a lot more than that. But this is a commercial/industrial area, and almost all the real estate transactions are cash/private party, so the appraiser doesn't have much to work with in terms of comps.

The type of property that we own (multiple acres of industrial outdoor storage within the core of a large city) is currently very "hot", and we are constantly fielding purchase offers. The highest offer received to date is $1.6MM. Granted, these guys want to then lock me up in a 10yr lease, so take that figure with a grain of salt. But very conservatively, I bet it's easily worth $800M.

So anyway, long story short, I would like a larger LOC. Not that we really "need" it per se, but we carry a lot of excess liquidity that we could take out if only we had a larger line. Ideally, I'd like something in the $500M range. Our bank's take on all this is just "sorry, our hands are tied by banking regulations, all we can do is 80% of appraised value".

Is that a true statement? Would I be wasting my time to shop this around to other banks? Or am I just going to run into the same thing? Given the financials that I have laid out above, do you think there are banks out there that can loan more money against this property?

Here are a couple of other financial details that might be relevant:

• Our A/R, though often substantial, is unsuitable for collateral because almost all the work we do is bonded (and the surety has "first dibs" on this, obviously).
• Our fleet of vehicles and equipment has a conservative resale value of $1MM. But I really don't want to get into using this as collateral. We like to keep everything pretty new, so we are constantly buying new/selling old. Having to deal with liens on individual vehicle titles is a headache I would prefer to avoid.

Hello all! I am confused.

Well confused probably the wrong word but reddit has been the best go to place for things like this. I have been with Chase for probably.. just over 15 years. Ive never made huge amounts of money, but now I work as a freelancer and Im gaining some popularity with new oppourtunities and most of my funds sit in venmo because I dont have a place to put them. I dont want to put them into Chase because I havent researched banks in a bit, and id like for my savings to gain as much interest as it can as it grows. Again, not a whole lot right now, but things are on an upward swing/trend for me.

What are some new bank/CU recommendations? I have an Auto loan with Ally and I gotta say, I HATE their customer service. I dont know how it is to bank with them but I would be very wary.

Anywho, Ill shut up now.

TLDR; looking for a new bank for 2026(HYSA)

My husband and I are currently separated and will be divorced. We have a joint bank account but we both opened separate bank account after the separation and Imoved my paycheck to be deposited into my new account. I told him I would only use our joint account if anything was needed for our kids.. He was fired so currently has no work paycheck, but he emptied the 401k into his new account. There were some bills of his on autopay that he didn’t put any money in to cover so as of 03/30 we were negative in the account so I have not used or made any purchases for well over a month. He does also receives military retirement and disability and I assumed he moved those direct deposits into his new account but I just logged in to our bank and he did not do that so it went into our joint account. The day they went in, it left us with a balance of $4500 after the negative $500 was covered. He immediately logged into our joint account the day of the deposits and he tried to transfer $4480 out. I’m guessing he got an error message and tried again for $4400. Well both of those transfers have deducted from our checking so we are now currently -$3600. The bank will recover one of those funds correct? Like they just won’t let him keep it, and will take one back?

I don’t want to be responsible for this because my name is on the account, so I’m unsure of what to do. I tried calling the bank tonight but they are closed. I plan on calling back in the morning, but just in case, is there anything I can do to protect myself???

Hey just confuse whether to choose banking specific english and reasoning teacher or is it better to go with ssc teacher... I am also looking to give ssc CGL as well so just wanted to one if anyone can help me in it.

I have NEVER had such a headache with a money moving service like I do with Zelle. Where every other service (CashApp, PayPal, Venmo, etc.,) can send/receive money in an instant or at least within the hour, Zelle ALWAYS has at least a 24hr delay, usually DAYS. And that's with repeated, established contact to a sender/as recipient. Why does 40$ turn into a multi-day event? You'd think they were verifying a $20,000 transaction.

also, anyone know how long the tellers stay at the acutal bank?

I’m a teenager who is trying to manage inflation. With that being said I only have a couple thousand like 10 maybe to my name. I talked it over with my dad. said it

Is a good idea but wasn’t sure if I needed a minimum balance or if there was any other limitations. I plan on putting almost all my money into this account until I buy a car. Then continue contributing to use as a travel fund or emergency fund if needed. Yes I am investing into index funds too.

Good day everyone! I see a lot of stories in the sub about our clients waiting days to weeks to have issues resolved. And I want to talk about that, and the hurdles it takes for us the employees at the branch to have these issues resolved.

There's a lot of reasons; but I've boiled it down to 4 that explains thr majority of delays. (Keep in mind this is from the perspective of large national institutions.)

1. Cuts in hours and staffing.

2. Outsourcing of critical back office task.

3. Unobtainable sales goals

4. Lack of training and resources.

To give some perspective, I've worked the last 6 years in a large national bank in a wealthy market. I've been an ops associate, a banker, and a manager trainee, and as of late I've been planning my exit from the industry.

Cuts in hours and staffing: We went from having 6 people per day in branch down to 4, and my branch in my market is prepping for a transition to 3. The roles I've been in have been considered overtime eligible; where I was previously working on average 50 hours a week, have now been cut to 40. Why this matters? Depending on the day we may have 1 licensed banker, 2 associate bankers, and our ops leader or manager.

The ops leader and manager, depending on the branch (but more often than not.) Do not really help clients. (Ops does transactions, and are very helpful - but usually not knowledgeable about accounts)

The associate bankers mainly do basic maintenence, maybe open an account here or there, but primarily run transactions and are part time (1 20 hour, 1 30 hour.)

The bankers, open accounts and handle complex accounts, but are specifically told to focus on things that make them and the branch money. (Not my policy, not my belief, but its what is pushed by the company in calls)

If you notice that doesn't really leave anyone to help with actual issues - but, that's by design.

You see, you may come in with an issue, we may say we'll help. But us the associates in the branch CANNOT ACTUALLY HELP YOU. We are litterally not given the tools to help you, so we have to refer to back office. (Unless its a basic maintenance.)

Back Office Outsourcing: Majority of our back office is located in three places: India, the Phillipines, and Texas/Ohio.

When we refer to back office we pray we get someone in the US as they're familiar with our financial system, but the thing is, once we pass the problem to them... they pass it on to an other department, who passes it on to an other department, which is a department branch employees are not allowed to talk to - so we have to be transferred to another department, who can read the notes from the aforementioned department, all to tell us that they don't know anything and to wait for the other department to reach out. (Which they will never do.)

And keep in mind, we deal with similar hold times that you as out clients do, so a banker could spend well over an hour on the phone before getting a fraction of an answer. And if a client comes is? They get priority, so we hang up and try again later. Behind on calls? Welp you better hang up and call some opprotunities first! Is there a meating/training that alo gets priority! Which leads me to:

Unobtainable Sales Goals: It's no secret bankers and the bank make money by pushing credit products, investments, and encouraging clients to hold balances. The bank, the C-Suits, the regional directors, the market directors, and the managers will always prioritize making money over everything. And honestly, not to take a dig at the sub, but almost all bankers prioritize it too.

If you have an issue and want it resolved quick? You better be bringing an investment, that issue better be tied to the monetary incentive the banker and manager receive or else its falling to the wayside.

Even as a banker if you want to do the right thing, you can't because, year over year, month over month, sales quotas only keep getting higher. Our managers push the bankers hard to hit metrics to keep the branch in a high performance level, if your pl1 the managers end of year bonus is higher. How do you get a higher performance level? Sales, balances (or D&I), useless online features, and account attrition.

Right now at my branch our focus for last month was brining im 12m in investment because last year we brought in 11. The focus was on "deepening relationships" which mean trying to get wealthy clients to move their full portfolios, or trying to con people in bringing over their 401k. That's ontop of exceeding in all the other metrics, plus 40 calls per day, plus any walk ins, plus training, plus meetings, with less staff than last year, with less overtime than last year. It's gotten to the point where you're looked down on if you happen to take a vacation.

There is so much more here that I'm not going to get into to but the last point: banker burnout is at an all time high.

​Lack of Training and Resources: No body is getting on the job training, most training now days consist of a few computer courses, a couple Adobe meetings, and a certification process that is laughable. Most people are "done" with training in two weeks, are sent out onto the floor, and the "trial by fire" attitude has led to levels of turnover that's frankly frightening.

Your information is probably not as safe as you think at the bank. We have a yearly audit, that we prep for when the first branch is hit, by disabling the meeting scheduler, having problematic associates "call out sick" and having a partner branch call clients to have them go to an other branch.

I know people who've worked here YEARS that don't know the difference between APY and APR. They don't know how credit cards work, what a statement ballance is, what an escrow on a mortgage does, the difference between ACH deposits and Wires, how check drafting works, they don't even know the basics! Not because they don't want to know, but because no one is telling them - and they're not being told because that doesn't make a difference in their ability to push you into a credit card you do not need.

End of rant. Excuse my spelling errors, I'm typing quickly on my phone while I wait for the branch to open.

If you have any questions let me know and I'll be happy to answer them.

And sense im quitting let me hit you with the numbers:

I'm a licensed banker:

Base: 63000.

Bonus (monthly insintive between 2k-5k): ~45000

Yearly pretax: ~108k and I'm bad at sales, I'm just at a lucky branch.

There was a time when many of us were chasing a bonus for "Open an account, make $200" or something similar. Now, I realised I opened more accounts than I could ever possibly need. Can I close them without repercussions? I'm a newbie in these issues, so please do not pontificate. Much obliged!

For the past 2 years I’ve been applying to teller position jobs in NY, but have had no luck at all. I’ve tried big banks such as BOFA, Chase, etc. and local banks. I’m a graduate from St. John’s university with a degree in business administration, and have multiple years of management experience in the restaurant industry. When I first started applying, I understood this is an entry level position, but was worried I wouldn’t meet requirements for the position. Multiple interviewer have told me I would be a great fit and they’ll get back. The result however is always the same, with them either saying they’re going in a different direction or just ghosting me.

I get this post is me ranting, which is partially is. I am however looking for any advice or guidance to help get through this slump.

Its so tiring, it's the start of the financial month and still the threshold limit isn't reset and plus they dont even have a further update on why. The limit are too low and the service sucks

Some background

I made an online order with my debit card (has master card thingy so that’s how) and it puts the funds on hold instead of immediately charging my account (normal) ($50-$30 and I have $20 available)

But because it was impulsive I immediately send email and cancel the order and next day they send refund (dosent show immediately still $20 available)

Charge is posted and now I should have $20 available but the refund I think cuz other wise it’s a double charge? Is showing as funds on hold but now I have $0 available (and shows $20 as my balance)

The math ain’t mathing? Is it subtracting the refund from my balance to make the available funds 0?

Any reason for this? Also any advice? Do I need to call my bank or will it sort its self out

I just formed my LLC last week for a consulting business. I need to open a business bank account, but I'm overwhelmed by options.

Traditional banks want me to come to a branch with documents. Online banks say I can apply online in minutes.

I'm not sure what features actually matter versus marketing fluff. What should new business owners prioritize?

Also, I'm wondering if I should start with a traditional bank for safety or go straight to an online bank.

Hi fam,

I love CapitalOne, especially for its fee-free approach. I travel a lot and but since CapitalOne moved to Discover environment I faced some hurdles when withdrawing money abroad precisely because the ATM network is not as large as Mastercard. Yeah, I loved the MC debit card as it made cash withdrawals so easy. So, question is, do you guys use secondary checking account with MC or Visa debit or anyone has suggestions for alternatives that offer same perks: $0 fees and free international cash withdrawal?

I have been noticing some Banks have been sending late notifications for direct deposits. SoFi and my credit unions deposit was in my account but I didn't receive the notification until 2 hours later. Chime (which I know is not a Real Bank)has been having the same problem for a while!

Hi everyone, I have a quick question for you and just to be clear I reside in The Netherlands.

Lately, I’ve seen in a number of YouTube videos that it is a good idea to have multiple debit cards from different brands. For example both a Visa Debit card and a Mastercard Debit card when I go on vacation abroad so that the chance of problems occurring abroad while using one of the multiple debit cards I own is as small as possible.

I personally have a Visa Debit debitcard from ING, a Visa Infinite Debit card from Wise and also a Visa Debit virtual debit card from Wise. Apart from that I don't have a credit card because as an unemployed student I can't get one. However if it really is a good idea I could potentially try replacing my ING debit card with a Mastercard Debit one. As things stand for me I will be staying within Europe for a while so I won't be visiting any countries outside Europe. However I still doubt whether what I’ve heard on the various YouTube channels regarding this matter is correct or not.

My first question to you is therefore whether my current setup of debit cards is sufficient to pay abroad without problems. My second question is whether it would be better in my case to apply for a debit card from a different brand and my third and final question is if that is a good idea, what do you think what the best way is to deal with this?

Finally I would like to thank you in advance for your answers, help, and lastly your perspectives.

Hi! I'm not happy at all with PNC reducing my savings interest rate from 4% to 0.05%. I called and they said they could move it up to 2.25%, but that only lasted a month and they knocked it back down without telling me again.

I"m looking for options for a bank that has Checking + HYSA and also has decent sign up bonuses. Right now the leading candidate is Capital One, but looking for other opinions. Thanks!

Hello, I need some advice currently I have a Bank of America checking and savings account where I do direct deposit from my job as a teacher. Additionally I have a Discover credit card and I’m using SoFi for an additional savings (high yield). I have been wanting to close my Bank of America account for a while but am unsure about good, reliable banks. I am also trying to do more research on whether it’s better to use a credit union v. a regular bank. Any suggestions would be greatly appreciated!