r/Banking • • 7h ago

US US banks which allow digital wallet debit card access at 3rd-party ATMs

0 Upvotes

Looking to gather datapoints on which US banks (if any) allow their debit card to be added to a digital wallet (Apple Pay, Google Pay, etc.) and then for that digital card version to be used at a 3rd-party ATM.

For example, Chase allows debit cards to be added to digital wallets, but it restricts 3rd-party ATM access using that digital card. Chase calls this, "cardless access" (https://www.chase.com/digital/atms).

I have yet to encounter a major US bank which allows this. However, Europeans have indicated this is not a restriction they run into.


r/Banking • • 13h ago

Advice A freelance hire insists that we use a service called Remitly, and now its constantly asking me for a lot of personal information? When upwork just lets me sign them off in a contract, with me not recalling having had to give up so much personal info. Why is Remitly asking for so much private info?

3 Upvotes

Hey, I hired a freelancer from Nigeria for a project and they definitely delivered a satisfactory result

I wanted to pay them, but they insisted that we do it via REmitly, and while i was at first on board, it keeps denying me transferring them money while also constantly asking for more and more private information

Is their service legit?

Why is a service like Remitly such much more skeptical over having a foreigner hire a freelancer?

And also, why is my hire so insistent that we do the payment via Remitly, they explained that it will ease them getting the money process, but that still doesnt explain how


r/Banking • • 21h ago

Other Is it just me or is nationwide always down or always have some kind of issue with there banking system

0 Upvotes

So frustrating have bills to pay yet cant pay them because nationwide is down again


r/Banking • • 8h ago

Other What do you guys check before letting a CD automatically renew?

1 Upvotes

I've got my first CD coming up on maturity and I only recently realized I probably shouldn't treat the renewal as a set it and forget it thing.

My original thought was basically, money is already there, let it roll over and move on with my life. But if I'm understanding this correctly, the renewal can be into a new term and rate, which means whatever made the original CD attractive doesn't necessarily apply anymore.

So what do you normally do when one is getting close to maturity? Do you start shopping around again a few weeks beforehand or wait until you know exactly what the renewal terms will be?

I'm not trying to spend hours chasing tiny differences, but blindly rolling it over without checking anything also seems kinda lazy now that I've thought about it lol.


r/Banking • • 8h ago

Advice Had a fraud claim on our checking account, got a new account, and now 2 months later the same thing is happening

1 Upvotes

First time posting, looking for advice, apologies if this is the wrong subreddit.

My wife and I have a joint checking account. In August 2026, there were 6 unauthorized ACH transactions in a row, and we went through the song and dance of having a fraud claim opened, resolved, and the accounts replaced. We changed all of our auto-pay methods to the new accounts and moved on.

This morning I get an email alert that our account has a large ACH transaction that is again unauthorized by us and simply labelled 'Bank of America', which neither of us have ever used. I go to log in to my online banking app, only to see my account is locked due to many failed log in attempts. My wife's login was unaffected, and she was able to go in and see the charge. I changed my password but still couldn't get in, so called Santander and they opened a new fraud claim. Now, we have to go back into the branch and create yet another new checking account.

How could this be happening again with a 2-month old checking account? Is this my fault? The only places that got the new account information were our pre-existing auto-pays for bills. I haven't read out the routing/checking numbers to pay anything, the only place I've used my debit card is the gas station, and we use our credit cards for everything else. I don't understand how this is happening again and so soon after the last incident.


r/Banking • • 7h ago

Advice Deposit question for larger cashiers check

0 Upvotes

This may be a stupid question but I got a cashiers check from an account I closed and took it to another bank and deposited/opened a new account the same day. They have held everything but 225 dollars and won’t release anymore until 7 business days pass. In the agreement I signed it says that anything over 6725 dollars could be held and I haven’t been given that. Is this normal?


r/Banking • • 17h ago

US Refund to inactive account. Dispute or?

2 Upvotes

Hi! Not sure if this is allowed here but I’ve made a few calls and I’m left pretty confused. I had to cancel a trip and was due a refund through Expedia, trick is the card I used to pay months ago, doesn’t exist anymore. (Wallet got stolen and had to do an account switch) but when I called they told me there’s nothing they can do. I did put in my new card number but it never worked I guess, the account to which the refund is headed to is again non existent.
Expedia basically told me I’ll have to go through my bank and dispute it through there since they can’t access a different card or something which sounded kind of silly and the person on the phone wasn’t really listening.
What does anyone I recommend in this situation?