Posts by Steven Reed

Honestly, this thread is already miles ahead of that one with the Facebook screenshot 😍 🍿

Harold Taylor6 said:The moderators aren't getting paid for this :P
But what was hollowtrucker77 actually getting at (at least, that's how I read it)—people would probably be a lot more mindful about their tone and how they phrase things if there were some kind of subscription fee involved. Plus, we wouldn't have to deal with all those unnecessary clone accounts and whatnot...

I am fully behind this proposal. 😍

My post just vanished 🤔
I really need to 🤣 🤣
—but honestly, it would be pretty great if they just locked all the threads entirely 🤣 🤣

If this turns out to be some elaborate April Fools' prank 😛

There are also those "payment assistant" packages starting at $6.75 per month—which, if you ask me, basically bundle everything you’re already doing anyway (online banking, checking accounts, and various free digital transactions).
Here is the link to their site Payment Assistant - Modernized

Look, typically—regardless of whether they can prove it was just a clerical error (since they’ve got a wire transfer showing a typoed account number rather than yours)—they really ought to have asked for your consent first. It’s common courtesy in these situations, even if it isn't strictly mandated by the bank's official policy 😉. On the flip side, you're fully aware that the money wasn't yours to begin with 🤷—so I honestly don't see why you'd want to kick up a fuss over it?! 🤷

It really depends on how a specific bank decides to play it—usually, they won't move a finger without the account holder's explicit consent 🤷
Which bank are we talking about here?

She’s mistaken. If the token fee isn't bundled into the package—say, the rewards suite or the payment assistant—it’s a $24 one-time charge, while the loss amounts to $67.
Even the pros trip up sometimes 😍 🤷

@Jason Cooper50, regarding credit cards—annual fees are paid upfront, not in arrears. Let's not conflate the operations of an insurance provider with those of card issuers; they aren't exactly cut from the same cloth 😉
Since accepting card payments means you've already agreed to their general terms and conditions, I wouldn't advise arguing that you shouldn't have to pay (regardless of how much sense your logic makes). Honestly, I'd suggest trying to "request" a reversal at a local branch since you didn't actually use it—you wouldn't believe 🙄 but you can actually have a reasonable conversation with these people if you try)
And for heaven's sake, people—learn to ask the right questions before signing up. Don't wait until something happens out of pure ignorance and then start screaming about how banks are being malicious 😉

Both options function as bundled accounts (or rather, 😍 services where you pay a monthly fee to cover everything included in the package 😉)
The distinction lies in the fact that the basic banking assistants don't bundle credit cards—you can have them, sure, but they’ll hit you with an annual fee rather than being part of the flat monthly rate—whereas the premium bundles include one or more credit cards as part of the membership. There is also the matter of overdraft limits: the assistant tops out at $3333, while the premium tiers go up to $30,000 or even higher depending on which tier you pick (and, obviously, based on your salary). Then there's the interest rate on those negative balances—the premium bundles offer much lower rates—plus the number of fee-free transactions, which is higher in the bundles since, well, you're paying more for them. It goes on and on...
@Kimberly Nguyen sorry, I know this post is a bit of a mess, but take a look at the clock (😵) 😍

Your credit limit opens up automatically on the first of the month following your payday. For instance—if your salary hits your account in March, you’ll see that available credit by April 1st.

but you actually need funds on your Maestro account 🙈 😍

Just some first-hand intel—H&M in Denver won't touch an American Express. They’re strictly Visa or Maestro here—I nearly made a total fool of myself 🙈

It essentially demands that heirs cover liabilities up to the full value of their inheritance

I’m aware that their online banking service can pull up that specific transaction—they can then mail a physical confirmation of the transfer (that official receipt) directly to your home address🤷

Just a quick clarification regarding the Visa card—if you set your billing date to, say, the 20th of the month, everything purchased between February 10th and March 10th hits your statement on March 20th. Essentially, the billing cycle closes ten days before the actual due date; anything spent on March 11th won't be billed until April 20th. 😉

A freeze on property ownership due to a lien?!?!?!? 🤔
Seriously—which court is actually authorizing that?? 🤷

James Cox6 said:Wrong.

You can carry mortgages from five different banks at once, provided the property value covers it.

True—legally speaking, you can set that up—but most major lenders won't touch it. 😉

@kikabela, head down to your local JPMorgan Chase branch and file a formal complaint. They won't have an answer sitting right there on the desk, but they'll pass it up the chain to the people who actually handle this stuff 😉
either some glitch occurred and they’ll process your refund, or they processed a check late—at least then you'll get some clarity 😉
are you seeing "check issuance" specifically?? because JPMorgan Chase still shows pending fees in the amount of $1.75 🤷

@Arthur Ramirez12, of course you can cancel. But I’d suggest running the math one more time to see if it's actually worth it 🤷—you've got your checking account sitting at Chase, which pulls in $1.75 monthly, every single check $1.75, the statements they mail to your house $1.75, and so on...

@Henry Adams58, they're looking into the status. Though, honestly, there's no need to deal with a physical branch 🤷—a modern digital assistant handles your checking, foreign exchange, savings, and money market accounts, plus five free digital transactions, all for just $6.75 🤷

Good luck getting any bank—Bank of America included—to touch a property that already has a lien recorded against it. Whose mortgage is currently sitting on the title?