Posts by goldentrucker3

Hey there. I’ve been thinking about a couple of scenarios lately:

1. Say you sell off a car, some jewelry, or just some other personal item that’s worth a decent chunk of change, and the buyer hands you $5,000 in cash. Is it going to be an issue if you try to drop that money into your checking account without having to jump through all those hoops to prove where it came from?

2. Here’s another one: imagine you’ve been tucking money away in a jar alongside your parents for years, and you’ve finally scraped together a significant amount—let's say $5,000. Can you just deposit that into your account, or are you forced to justify the source? Because honestly, there isn't much of an explanation besides saying you’ve been saving cash under a mattress for years. I’m not entirely convinced the IRS considers "I kept it in a sock" to be a valid excuse. Or maybe these amounts are small enough that they don't even bother sweating the details.

I've run into a bit of a headache here

Right now, I'm holding a foreign currency account over at JP Morgan Chase, but I just opened up a new one at Goldman Sachs.
I’m trying to figure out if there's any way to just move funds from my own JP Morgan Chase foreign account directly over to my new one at Goldman Sachs using online banking. Is that even doable without some massive hidden fees eating into the balance? Or am I stuck having to actually show up at a branch in person to request a wire transfer?

I tried messing around with the online banking interface, but the system keeps throwing an error at me, claiming that for foreign currency orders, you can't set a future date. The weird thing is, the system automatically defaults the date to tomorrow and won't let me change it to anything else. It makes absolutely zero sense to me.

PS. Sorry if someone already asked this somewhere else, I just couldn't find a straight answer anywhere.

rustypanther39 said:Jo, thanks so much!👍

I actually already tried restarting it and entering the right PIN, but I didn't realize I had to hit the button again to clear the FAIL message from the screen first. Once I did that, it worked perfectly!🙄

The real headache now is just trying to get onto their website. Even when I manage to log in, it rarely lets me past the Chase (APPPLI 1) authentication stage to actually access my account. Could that be an issue with their server lines?

A few days ago, I was getting error messages for basically every single transaction I tried to make. It was just some stupid pop-up claiming their system was overloaded or whatever. Still, I’ve never dealt with the kind of constant headache you're describing. Maybe try switching to a different web browser and see if that changes anything 🙂 But let's be real, it's almost certainly an issue on their end...

rustypanther39 said:I think I messed up my PIN while trying to log into my online banking—or maybe I just had a total brain fart—but now my security token is flashing FAIL and 🤷. I can't seem to track down the instruction manual anywhere, and honestly, I’ve been using this bank for over a decade without ever hitting a snag like this before.

There's a support number printed on the back, 1-800-555-0199, but I really don't want to spend my afternoon on hold🙄. Since I absolutely need to get into my account by Monday to settle some bills, does anyone know if this is something I can fix over the phone, or am I looking at a mandatory trip to a local Chase branch?

If it just says FAIL, then it isn't even a big deal. Just turn it off—I don't know which specific model you're holding or if they swapped it out for you recently—using that button with the arrow icon, power it back up, and just type in the correct PIN. That should do the trick 🙂. I'm not entirely sure how many times you can trigger a FAIL before the whole device locks you out permanently, but my guess is probably three. I haven't personally pushed it that far 🙂

From what I understand, that monthly statement they mail directly to your house—the one that comes with all the other paperwork—explicitly states your approved overdraft limit, how long it’s valid for, and exactly what it’s going to drop to once that date hits. It should also be clearly visible if you just check your account through the JPMorgan Chase app.

Then again, it really comes down to whether the personal banker assigned to you actually knows what they're doing (and let's be real, at JPMorgan Chase, there are plenty of incompetent people who simply couldn't care less). Ideally, a decent personal banker would give you a heads-up call to let you know your deadline is approaching. You can actually negotiate with them to keep the limit where it is instead of letting it shrink while you're sorting things out. In my opinion, you just need to walk into the branch in person and file a formal request or something along those lines.

Is it actually possible to just transfer money from my own foreign currency account directly into my standard US checking account without running into a bunch of headaches or losing a massive chunk to fees?

Or am I stuck having to physically walk into a Chase branch, withdraw the cash from the foreign account, and then go through the whole hassle of redepositing it into my domestic account...

I noticed an option for it in the online banking interface, but honestly, I’m not about to gamble with my balance just to see if their system works, so I figured I’d ask here first. 🙂