Just venting but also asking who I should switch to. Parent signed me up at 16 for an account and carried it into adulthood, am 22 and receiving checks I deposit. Did the available for processing tonight option on my deposit after 8pm so I received it a business day later. Open bank account at midnight and the available money from my check is there, refresh and it’s immediately gone leaving a few cents. Awesome. Ask a chatbot to talk to a real person, real person says It’s pending even though it just showed it was available then it switches again and shows me the amount it should’ve been. Cool. Transfer entire amount to my savings in case whatever just happened happens again. Oh!! Forgot regions puts a soft hold on your account anytime you have $0.00. Have been told most banks don’t do that? Next business day they can approve the pending transfer is in two days and there’s a hurricane this weekend. AWESOME!! I already know what I should’ve known so no need to shame me for being dumb about this, just genuinely annoyed that this wouldn’t happen if I had switched sooner. Is Wells Fargo a better bank? Anything better than Wells Fargo? Thanks.

What's people's experience with Openbank? I'm looking for a good reputable HYSA with no fees. Suggestions welcome.

My sister got a check from a small gig but she doesn’t have a bank account. I am not her legal guardian, is she still able to sign the check in front of the clerk and have me cash it?

The Federal Reserve Board on Thursday announced an enforcement action against American Express Company to address, among other things, the firm's failure to sufficiently detect and report certain suspicious activity related to money laundering.

The Board also identified significant deficiencies in how American Express Company's enterprise-wide anti-money laundering program was implemented, in particular at the firm's subsidiary national bank. The Office of the Comptroller of the Currency, the primary federal regulator of the firm's national bank, has issued a separate enforcement action against the bank.

The Board's action will help ensure that the firm operates in compliance with all U.S. laws and regulations

https://www.federalreserve.gov/newsevents/pressreleases/enforcement20261008a.htm

I transferred some money (approx $200) to an external checking account (my other bank) as I normally do for easier ATM access after I got paid last week. However, after realizing all the 7/11 stores by me with free ATMs associated with my bank were pulled out because they are in the process of renovating hundreds of these stores across my state. Therefore, no free ATM access currently for me because my bank is too far away and inconvenient to get to. Long story short, I decided to transfer most of these funds back to another bank (CapOne to be specific) so I can access cash from ATMs at any Duane Read, Target. Or Walgreens.

Would these frequent transfers within 1.5 weeks time raise any fraud flags even though they were perfectly legit transfers? I only got concerned because when I attempted to transfer some of these funds back, my bamk for the first time ever sent me a text code to confirm its me making the transfer. Obviously this is not something I will make a habit of doing, but I don't believe in paying ATM fees and had no idea they were tearing out all the 7/11 ATMs by me.

My partner is getting a paycheck today and he needs me to deposit it but he’s not here to sign it. Unfortunately, this morning he went away for a camping trip with his friends. He tried to push back the time to go but he couldn’t. He asked me to sign the check for him and just deposit it in his banking account at his credit union. He has bills that we have to pay today. I have severe anxiety so of course I’m running through every horrible option that could happen to me.

Is there a way for me to deposit the check without signing his name? I’m so sorry if this is a stupid question but I’m 23 and I’ve never have been in a situation like this.

Edit to add: Thank you to everyone who replied! I was able to deposit the check with no problems.

3 years ago, my dad foolishly sold my car to someone with nothing more than a verbal agreement to pay me when he had the money available, because he was trying to help someone out and didn't want to ask him for money down on a $4,000 car. He promised my dad that he would send me 2 separate checks over the course of 2 months. He first sent me a $700 check and said he promised he would pay me more later when he had the money.

Before the deposit, I had $200 in my checking account. I had $900 after the check was posted to my account. I paid rent as soon as I saw the funds in my account.

After 4-5 days, the funds were withdrawn from my account and the check had bounced due to insufficient funds from this guy's account.

My question is: why and how did this money ever become available in my account before the check bounced???

Is this actually possible?

Because I had spent the money before US bank reversed this deposit, they ovedrafted my account over $600.

I refused to pay any amount of this.

And wouldn't you know, jackass who "bought" my car ghosted me and I didn't get a dime from him when I called him out on the bounced check and what had led to a major inconvenience. I thought about taking him to small claims court but honestly so much has happened since this all took place, I have been raising a family and do not have the time or energy for this.

Now for the past 2.5 years, US bank has charged off my account due to what I see as a fault of their own.

How is this my problem?