Posts by Patrick Collins4

restlesspilot752 said:Hey everyone,
Quick question: when using an ATM that accepts deposits, can those transactions only be made for business accounts holding a Microsoft Business card, or am I allowed to deposit cash directly into my own personal account?
Thanks.

You can.

You can get $333 per month without needing approval from the DSS, but if you need anything beyond that amount, you have to request permission and wait for them to issue an official decision.

Bank of America wasn't obligated to notify you about the change in legislation, since they aren't the ones who write the laws. As for accessing the funds, you can get to them, but only once you have a resolution from the Department of Social Services.

The only way to swap that out is through the Federal Reserve. You can mail it to them as a certified letter, just make sure you include a self-addressed stamped envelope...

Scott Cooper32 said:Nah, honestly, you can only really shop with credit cards—you can't use those debit cards that are linked directly to your everyday checking account.

A debit card works fine if it's a Visa Electron🙂

You head over to the bank and deposit the cash ☕

vividcrane122 said:Does anyone happen to know the minimum deposit required to open a numbered account here?

They don't offer those kinds of accounts anymore.

Olivia Morales2 said:Is it possible to make international transfers to Intel? And if so, how long does it usually take to process, what kind of bank fees are we looking at... Thanks.

You mean wire transfers? Depends on which bank your card is linked to...

Carl Robinson4 said:I’ve got a question. I had $6,132 in my account and was planning on withdrawing the whole thing. Yesterday I pulled out $5,000, then I went back today to take out another $1,100, but now it's showing
Paid out: $1,100, remaining balance: $5,032. I check the balance again 10 minutes later—still $5,032. I check again tonight—still $5,032.

What gives? 😕 Is it showing some kind of potential negative balance where I can't even log in, or does it just need time to refresh the account status? 😳

edit: My account is a checking account at Bank of America.

ATM transactions usually take two or three days to settle, so the machine isn't giving you the real-time truth right now. Your funds are technically accounted for, but the updated balance won't show up on the ATM for a day or two.🙂

Ashley Ramirez4 said:It worked

The reason is probably just because our banks and payment systems don't run on Saturdays or Sundays—so maybe Apple couldn't verify the card, which caused the decline... or honestly, maybe there just wasn't enough cash on it. 😬

By that logic, ATMs wouldn't work on weekends either, and you wouldn't be able to buy anything with a card anywhere. 🙂 No random clerk at an office is authorizing your card; everything runs through the bank's servers which are online 24/7... so that's likely not the issue, but the main thing is that it's working now. 👍

The second someone asks you to pay via Western Union—especially if they’re claiming to be some kind of legitimate business—you can bet your life it's a scam. Once that money leaves your hands, it’s gone. You won't see them or your purchase ever again... Real companies don't operate like that. They use bank transfers or established online processors like PayPal or similar services.

Noah Ramirez72 said:Thanks, I was actually wondering how to tell which account is which! Mine starts with 87, so I guess it's a savings account. Can people still deposit money into it?

Sure, if they want to... 🙂

Richard Perez3 said:I’m such an idiot, I was rushing around doing ten other things at once and totally botched this. 😁

What I meant to say was—yeah, yeah, I completely misread how the question was phrased, so my answer was just straight-up wrong. You're right, you can't just freeze part of an account for a specific amount and leave the rest up in the air. I totally misinterpreted the prompt. My bad. 😁

Actually, I don't think that's entirely true either. I know of a few businesses where the account is frozen only for the specific amount required by a levy, while they still have access to the remaining funds... 🤷

Benjamin Peterson94 said:I haven't had a chance to read through everything yet, but I do have a quick question.

So, about a week and a half ago, my mom's account at JPMorgan Chase got frozen out of nowhere. When she asked them why, they honestly couldn't give her a straight answer.
They just vaguely suggested there might be some outstanding debt somewhere else—maybe an old loan with a Midwest lender or something similar. 🙂
She’s already gone to every single bank where she holds an account to double-check, and they all gave her official paperwork proving she doesn't owe a dime; she even went down to the IRS to get some documentation cleared up.
The bottom line is, she clearly doesn't owe anything, but her account is still stuck in limbo.

Does anyone know what our next move should be?

Have her go to the FIN and check there. That's the only way to find out who actually placed the hold and why.

Noah Ramirez72 said:I assume it's a checking account, but I'm a little confused because Chase shows several options—like a debit card linked account, a standard checking account, and a savings account—so I'm not totally sure which one we're talking about. I have a foreign currency account with a linked USD account, and I can't tell if someone can actually deposit money into it or not. I know you can't deposit directly into a foreign currency account. Maybe I'll just ask someone to try a transfer and see what happens!

Thanks! :-)

There's checking, savings, and foreign currency accounts—and a foreign currency account can't be linked to a domestic one like that.
At Chase, all accounts except checking are linked to a Visa Electron; checking uses a Maestro card.
If the account number starts with 32, it's checking; 31 means savings; 87 or 90 indicates a specialized savings account.🙂

EDIT: That last part only applies to Chase.

boldotter16 said:So, my account got frozen today for reasons I can't even wrap my head around—most likely some registration fee for a vehicle from $333 that slipped my mind. And get this: nobody would tell me why the hell my account is locked; they just brushed me off like I was nothing, whether it was Chase or Bank of America.

Basically, I have $1333 sitting there, but I'm actually down 8,000 once you factor in my overdraft
.
From what I've been reading in these threads, am I basically screwed if I'm relying on an overdraft protection limit?

And when exactly are they going to grab that money so I can actually use my own damn cash? I've seen people posting about how there doesn't seem to be any consistent pattern or set timeline for when they finally settle up.

The bank won't show you who placed the freeze anymore, but FIFA should have told you...
I heard there might be a fee involved for that too. 🤷
And yeah, unfortunately, there really isn't a set timeline for when it clears...

Alex Davis8 said:So, my child support check just got blocked on the one account I use for everything—literally the only place where my benefits land since I don't even have another bank account. Does anyone actually know what happens next? Like, what's the actual process and how long am I gonna be stuck waiting on this? Please, if someone knows, hit me up. THANKS

You need to go to the IRS or your local treasury office and file a request to open a specific dedicated account at your bank just for these benefits. From what I've seen, opening the account takes about two weeks. The agency sends an order to the bank, the bank sets up the account and sends the info back to the agency, and then they notify you.
The only issue is there’s a high chance you won't see this month's payment in time...

Joseph Watson3 said:The situation is basically the same—money was sent twice to someone who wasn't the owner, while the other person received it through perfectly legal channels.

Sure, but protected income goes into a protected account. That isn't what happened here.

Those are just technicalities. The bottom line? Because of some clerk's blunder, he's being expected to suddenly produce cash he doesn't have—cash that is legally protected. Expecting that from him is nothing short of arrogance on the part of the official involved.

If you ever actually handled money the way those bank tellers do, you wouldn't be talking like this.

Actually, that's exactly why I can be more objective than a clerk—I don't have the lingering trauma of worrying I might accidentally wire $1000 to the wrong account.

Besides, I'm not saying he shouldn't pay the money back. Of course he should. But it shouldn't happen at the expense of the income guaranteed to him by law. So, once the people who initiated the collection are satisfied, then it's the bank's turn to deal with the fallout.

They aren't "formalities." Anything deposited into a standard checking account gets swallowed by a garnishment order. Doesn't matter if it's unemployment benefits or child support... if a company accidentally sends his pay to his regular account instead of a protected one, it's gone. All of it.