#101 ·
The N/A system is totally offline over the weekend, so I highly doubt anything is actually going to process... honestly, I can't even remember what happens once the funds hit the payer's account at 🤔
Domestic transfers and payments in USD
Started by Benjamin Rivera4 · · 👁 9 views · 212 replies
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#102 ·
The app told the guy he was making the transfer on Dec 19th, which is basically tomorrow. It should clear super fast if they're both using Chase or something! 🤷
#103 ·
I’m looking to transfer some funds from my account over at JP Morgan Chase into my checking account at Wells Fargo. Does anyone happen to know how long it typically takes for those funds to actually clear and show up in the destination account?
#104 ·
It depends—if you send it now, it should hit your account by tomorrow afternoon. But if you wait until Friday afternoon, then you’re looking at Monday...
#105 ·
Steven Reed said:It depends—if you send it now, it should hit your account by tomorrow afternoon. But if you wait until Friday afternoon, then you’re looking at Monday...
I actually sent it over today around 1:00 PM, but the funds haven't cleared yet... and the lady at my local Chase branch assured me it would be visible within two to three hours.
#107 ·
If you send payments through Chase early in the morning, they usually hit the account at another bank by the afternoon, while anything sent after midday should clear later today... I think the cutoff time for Bank of America is around 1 PM, but I can't be entirely certain...
#108 ·
So, what kind of info do I actually need to give someone if they're sending money straight to my checking account?
#109 ·
The routing number for the VBDI banks (if you’re making a deposit through a different bank or at a local branch; you can find the full list in the rules PDF)
plus your checking account number.
plus your checking account number.
#110 ·
Hey there.
If I made a deposit around 10:30 this morning, how long does it usually take for the funds to actually hit my account? Will it show up tomorrow, or is it more of a matter of hours?
Thanks..☕
If I made a deposit around 10:30 this morning, how long does it usually take for the funds to actually hit my account? Will it show up tomorrow, or is it more of a matter of hours?
Thanks..☕
#111 ·
shadowjackal27 said:Hey there.
If I made a deposit around 10:30 this morning, how long does it usually take for the funds to actually hit my account? Will it show up tomorrow, or is it more of a matter of hours?
Thanks..☕
If you did an online transfer through your banking app, it should clear in maybe two or three hours. But, if you used a standard check or a money order, it probably won't show up until Monday, since banks don't process those kinds of things over the weekend.
No problem.
#112 ·
Ronald Allen said:If you did an online transfer through your banking app, it should clear in maybe two or three hours. But, if you used a standard check or a money order, it probably won't show up until Monday, since banks don't process those kinds of things over the weekend.
No problem.
Is it possible that an online transfer wouldn't have cleared by now? I sent it yesterday around 10:30 PM. Also, if it did go through, is there any chance it just isn't showing up on my dashboard yet?
#113 ·
Look, when you're trying to move money from one bank over to another, or even just trying to settle up a bill for a business account => the ACH system doesn't even touch anything over the weekend, so you won't see a damn thing happening on your statement until Monday.
#114 ·
Quincy:
Did you actually read what you linked? Specifically this part I'm going to bold:
Quincy:
So, basically, you don't need the full name or the address for the order to go through.
That's what the law says, and honestly, it's what my experience tells me too, especially when paying via ZARA online...
If someone's transaction gets rejected because of that, it doesn't mean the rule is right; it just means that specific entity (whether it's a bank, the post office, or whatever) isn't doing its job properly.
| You also have to include the recipient's full name and address on the payment order when you pay! |
Michael Perez83 said:Online banking interfaces vary wildly depending on which institution you’re using. For instance, over at Zappos, you might find yourself having to manually type in a recipient's name if the system doesn't automatically pull it from the database, whereas at JPMorgan Chase, that isn't even an option.
I honestly have no idea how they get away with that level of manual input given the federal regulations currently in place: which clearly outline the required elements for payment orders.
Did you actually read what you linked? Specifically this part I'm going to bold:
Quincy:
| Article 4. A payment order must contain the following elements: 1. Payer's name 2. Recipient's name 3. Recipient's account number 4. Amount 5. Payment description 6. Payment description code 7. Authorization number 8. Statistical identifier 9. Date of payment. A payment order is valid—meaning the bank will process it—as long as the elements from points 1, 3, 4, and 9 of this article are filled out and those elements follow the guidelines in Article 8 of this decision. |
That's what the law says, and honestly, it's what my experience tells me too, especially when paying via ZARA online...
If someone's transaction gets rejected because of that, it doesn't mean the rule is right; it just means that specific entity (whether it's a bank, the post office, or whatever) isn't doing its job properly.
#115 ·
Hey there, I have a quick question... does every checking account at JP Morgan Chase start with the prefix 2340009 followed by a 10-digit string?
So, basically: 2340009 - XXXXXXXXXX ... thanks for the help.
So, basically: 2340009 - XXXXXXXXXX ... thanks for the help.
#116 ·
Short and sweet—yes. Just keep in mind the current sequence starts at 32, while the account number begins with 31.
#118 ·
Alright, I’ve got one more question regarding minors...
Is it actually possible for someone under 18 to walk into a bank with just their ID and deposit cash into someone else's account?
To be specific, if I head over to Wells Fargo and try to deposit some money into a friend's account $167—is that allowed?
Is it doable or not???
Is it actually possible for someone under 18 to walk into a bank with just their ID and deposit cash into someone else's account?
To be specific, if I head over to Wells Fargo and try to deposit some money into a friend's account $167—is that allowed?
Is it doable or not???
#120 ·
Is it actually possible to make a payment without using that specific code when calling the number?
I was just trying to settle a bill using my banking app, and before, I used to start it with 02, but now whenever I try, it tells me the number is invalid. On that little side menu, there’s nothing about a two-digit code—just the full phone number itself.
I know for a fact that when I was sending money to my boyfriend, I didn't type any kind of model code and it went through just fine. Can I just do it that way again? 🤷
I was just trying to settle a bill using my banking app, and before, I used to start it with 02, but now whenever I try, it tells me the number is invalid. On that little side menu, there’s nothing about a two-digit code—just the full phone number itself.
I know for a fact that when I was sending money to my boyfriend, I didn't type any kind of model code and it went through just fine. Can I just do it that way again? 🤷
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