Modak is sadly shutting down. My 8yo had a bank account with them. There were no fees unless we did savings. My child was able to mark off chores to earn money on top of their weekly allowance.

I’m thinking of just switching to a straight up bank account for her. I don’t want my ex to be able to access it (he is 5 figures in child support arrears) and I would like my child to have a debit card and savings account.

We bank with Old National. Does anyone have recommendations?

TIA!!

hey reddit, I'm going to open a bank account, I'm actually not sure what to get? There are some banks that I couldn't understand what they are offering? What is your best bank that works very well for you?

I’m hoping someone who works in banking, especially check fraud or bank adjustments, can help me understand what’s happening.
I’ve used Capital One’s online Bill Pay service to pay my rent for years. Capital One mails a physical check to my landlord, and my previous payments have always arrived without any issues.
On July 6, 2026, Capital One issued my rent check.
On July 23, my landlord contacted me because he hadn’t received the check. At that point, we believed it had simply been lost in the mail. He asked me to stop the payment and have another check issued.
That same day, I contacted Capital One and requested that the check be stopped. They acknowledged my claim but subsequently denied it.
Four days later, on July 27, I was contacted by M&T Bank’s fraud department regarding an attempted deposit of my check. That’s when I learned that someone else had apparently gotten hold of it. I explained that the check was stolen and was informed that a hold had been placed.
On July 30, an M&T fraud investigator confirmed in writing that my check had been deposited through mobile banking into another person’s account.
M&T actually provided me with the account holder’s full name. The receiving bank identified the individual whose account was used.
My landlord also confirmed in writing that the check wasn’t deposited by them and that neither the endorsement nor the receiving account belonged to them.
On August 6, I followed up with M&T to ask whether the check had been reversed and the money returned to Capital One so it could be credited back to me. The investigator responded that a debit was pending that morning.
I never received confirmation that the money was returned.
In October, the same investigator provided additional findings. He confirmed that M&T had identified the check as stolen, restrained the receiving account, and created a suspense general ledger ticket on August 5.
He stated that funds designated for recovery were directed to a GL account associated with Capital One. However, he couldn’t confirm whether Capital One actually received the money and advised that Capital One’s claims or adjustments department would need to trace it.
Now here’s another part that makes absolutely no sense to me.
Capital One initially issued a temporary credit while investigating my dispute.
Then, on September 18, I received an email with the subject line “Good news—your dispute has been resolved.” I received another email with the same message on September 25.
Naturally, seeing those emails made me hopeful that the situation had finally been resolved. However, instead of confirming that my money would be permanently returned, Capital One attached copies of the original check as proof of payment.
Then, on October 2, Capital One sent another denial, stating that the payment had been processed according to my Bill Pay instructions. They also notified me that my temporary credit would be removed.
How do you send someone emails saying their dispute has been resolved, only to follow up with another denial and take back the temporary credit?
And there’s another inconsistency.
Capital One’s October 2 denial lists September 18, 2026, as the transaction date.
But the check was issued on July 6 and deposited on July 27. September 18 happens to be the same date Capital One sent its first email saying my dispute was resolved.
Why would the date of that correspondence appear as the payment date in the denial?
I’ve asked Capital One to explain this discrepancy, but I haven’t received a satisfactory explanation.
Despite receiving my landlord’s written confirmation and the fraud investigator’s findings, Capital One continues sending me copies of the check as proof of payment.
But I’m not disputing that I authorized the payment. I’m disputing that someone else deposited the check intended for my landlord.
I’ve filed complaints with the CFPB and OCC because I don’t know what else to do.
I’m hoping someone can answer a few questions:
If I requested a stop payment on July 23 because we believed the check was lost in the mail, what should Capital One have done before the July 27 deposit?
If M&T identified the check as stolen and provided the receiving account holder’s identity, why is Capital One still denying my claim?
Who is responsible for investigating an unauthorized endorsement involving a mailed Bill Pay check?
If M&T initiated recovery through a suspense GL account, how can I determine whether the funds actually reached Capital One?
Why would Capital One list September 18 as the transaction date when its own records identify July 6 as the payment date?
Is it normal for a bank to send multiple emails stating that a dispute has been resolved and then issue another denial and reverse the temporary credit?
It’s been nearly three months, and I feel like I’ve been doing most of the investigating myself.
I reported the missing check and requested that it be stopped before the unauthorized deposit occurred. At the time, I thought it had been lost in the mail. I never imagined that months later I’d still be fighting to recover the money.
I just want the money permanently returned and an explanation that actually addresses the evidence.
Has anyone experienced something similar or worked in a bank department that handles these disputes?

Hi,

I bank with PNC. Unfortunately, I lost my debit card in June and incurred around several hundred dollars of fraudulent charges. Luckily, PNC flagged them as suspicious and notified me. I cancelled the card and filed a claim on the phone the day the charges were finalized.

I received provisional credit equaling the amount that was fraudulently taken from me shortly after.

However, it’s now October and there’s been no written update from PNC on my app or via email. In fact, it’s only if I call them that I can see that I have a fraud claim filed. I still have the provisional credit in my account.

Is it possible for PNC to reverse the credit now? Or should I assume the provisional credit is mine?

Edit: I filed the fraud dispute in early June. I can’t find any mail with an update about the claim. I called in a few days ago, and they said that I was supposed to contact the merchants myself and get refunded. However, the credit is still in my bank account.

Hi everyone!

I'm an Italian citizen living and working in Saudi Arabia, where I receive my salary into a local bank account.

I'm looking for a reliable international bank where I can safely keep my savings, regardless of where I live in the future.

I previously had an Italian bank account, but it was closed because I was no longer a resident.

Ideally, I'm looking for a bank that offers:

• Security: Deposit guarantee scheme and financial stability.
• Flexibility: Ability to keep the account even when changing countries of residence.
• Low fees: Affordable international transfers and currency exchange.
• Easy access: Ability to move my money without excessive paperwork or restrictions.
• Worldwide usability: International debit card (not credit) and good customer support.

I already use Revolut for traveling and daily spending, but I wouldn't feel comfortable keeping all my savings there.

I'm open to both Italian and foreign banks, as long as they're secure, reliable, and convenient for expats.

Any recommendations or personal experiences?

Thanks!

I've already disputed it, I've already done EVERYTHING I am supposed to do, I have already filed a claim with the CFPB, and nothing is resolved. What's next?

The bank called me today after the CFPB complaint and his dept. does not have the software ability to verify me (not a glitch, his dept doesn't have this software, so why did he even CALL me????) so since he can't verify me - they decline to help me, what's next? I called CFPB and they said there is nothing they can do. When they get a response from the bank they will close the case. They don't actually ACT on these complaints, literally... all they do is forward emails. As soon as my bank declines to act further, they will close the case. If I attempt to file it again with additional details, they will close it as a 2nd complaint regarding the same issue.

I discovered today that CFPB is THE most useless govt agency of them all. What is their purpose? I can email the bank myself.

Every single direction I turn is a brick wall. I have learned today that banks can steal your money, and short of spending thousands of dollars on an attorney to collect $300... they can do it with zero repercussions.

I swear to god I am going to start keeping my money under my mattress. It's safer than a bank. I am frustrated beyond frustrated right now, and it appears I am just out of luck.

This involves and ATM issue. I went to an ATM to remove $300 from my account. The ATM said that the transaction was declined. But they removed the money from my account anyway. It's just a software issue, but there is no way to resolve it.

AAAAAAAAAAAAAHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

I currently bank with Cap one, and two local credit unions and she is with BOA and a credit union in another city she use to live in.

I don't want her to see my other accounts, and with her at BOA anytime I had accounts at BOA my Mom could see mine too and BOA could never fix it, but we want to have a combined account where we both have access, and can deposit money for the mortgage, and other things monthly too. At least for now till things between us mature more. What would be the best option for this you think and possible opening a new account bonus with it? No direct deposit would go to this, but we maybe able to split paycheck amount at some point to pay mortgage between banks that might work for that requirement.

I've been doing the Bank SUB churn lately. My trasnfer to Cap1 is taking more than 3 days! It's scary to see large sums disappear over night - not to show up for 3 days. So yeah I understand large sums get scrutinized. But man this should be automatic or a day at most!

I got email stating transfer was successful - and yet Cap1 shows zero balance.

Just a rant!

Hi everyone,

I have a Bajaj Finserv EMI Card, and I noticed a suspicious transaction in my account dated 17 October 2026 for ₹9,500, marked as “Success.”

The account dashboard shows:

- Transaction amount: ₹9,500

- Transaction date: 17 October 2026

- Status: Success

- Available loan offer: ₹1,60,500

- Utilised loan offer: ₹9,500

- Loan(s) taken on this card: No loan shown

The concerning part is that I did not make or authorise this transaction, and I did not receive any OTP on my registered mobile number.

I'm unable to understand what this ₹9,500 transaction relates to. Could it be a technical error, an internal adjustment, or an unauthorised transaction?

Has anyone experienced something similar with Bajaj Finserv? What could cause the loan offer to show ₹9,500 as utilised when no loan is listed?

I will contact Bajaj Finserv through its official support channels to verify the transaction and raise a dispute if necessary.

Any genuine advice or similar experiences would be appreciated. Thanks!

If all your financial accounts had unauthorized access from a hacker who stole your login session and cookie theft, open a new bank account? The hacker saw the information through infostealer and keyloggers.

Hi. I’m looking to open climate first bank for their savings and for their no penalty CD rates. Is climate first bank a reliable HYSA?

Also I understand if you open a savings account through them, you have to send your money through their checking account first to then transfer it to a your external bank. But can I push the money from my external bank directly through their savings account, or does it have to go through the checking account first?

I've not encountered something like this before - I have a CD ladder with Synchrony Bank, and noticed today when I logged in that two of my CDs were showing APYs one basis point below the rate offered when they renewed.

If you look at Synchrony's rate offering history, you'll see they only offer rates ending in a 0 or 5 for CDs (or least that's been the case for the last few years).

These both renewed at an APY ending in a 0; can anyone explain the one basis point reduction (immaterial though it may be)? https://imgur.com/7FMban5

Hello everyone, for RRB scale 2 specialist officer specific to IT role there are less resources and it is for 1yoe eligibility role. As working professional its hard to give time for study so I want to know how's difficulty level is there?

As I saw GBO and IT similar sections QRE and financial awareness although marking differ slightly. So anyone please confirm both difficulty level same?

Like how's difficulty level for QRE is there compare to RRB clerk, po - prelims mains?

So it'll better to prepare accordingly.....

Please help anyone who gave exams, teaching faculty of GBOs IT please tell.🙏

Thank you!

Choosing out of these 3 apps, neobanks. I have a regular US bank too, so dont want to create anything permanent. Just a temporary app for EU stay, that would have lowest fees, and biggest convenience.

I think its best if I ask residents for this, directly.

Update; USAA is issuing a "reassertion" for the claim based on stolen check / forged endorsement situation. Thank you for your advice. Also they were able to dig up the cancelled check saying it was cashed at Wells Fargo and there's an account number. That's something the previous calls were not able to dig up.

---

I sent a vehicle registration bill to our county through USAA bill pay but I put in the wrong PO Box. Was addressed to "county name, county treasurer". "Someone" cashed the check. I opened a dispute through USAA and I just learned it was declined because "The transaction was initiated by an authorized user".

Well, yes that was never in dispute. Dispute was someone cashed a check not intended for them.

Basically is a check to field meaningless? My internet fumbling indicates this is fraud/theft, civil liability, and even mail fraud (debatable).

Shouldn't USAA bill pay recover the funds or does that fall on me?

--

Once I realized I never got a sticker for my truck after it expired I went to registrar and figured out what happened. Never got in trouble or pulled over for expired tags, least I'm good there.

I recently took out a roughly $10,000 loan against my 401(k) for home improvements. The loan was issued by a third-party company associated with my employer’s retirement plan.

Unfortunately, the funds were deposited into someone else’s bank account, and it has now been three months without my receiving a single dollar.
The bank has frozen the remaining funds in the recipient’s account, but some of the money has already been spent. The bank won’t disclose how much remains, and I’ve been caught in a frustrating cycle of finger-pointing: the lender says the bank is responsible, while the bank says the lender must submit the proper paperwork to recover the funds. Even then, I’ve been told that only the remaining balance would be returned—not the full $10,000.
Meanwhile, the lender continues deducting the agreed-upon loan payments from every paycheck, despite my never receiving the money.

There’s one complication: I’m not sure whether the lender used incorrect account information or whether I may have entered an incorrect account number when I was hired ten years ago. Either way, the funds were sent to the wrong person, and I’m struggling to get a clear explanation of what happened or how it will be resolved.

My last conversation with the lender was over three weeks ago, and I’m running out of options.
For those familiar with U.S. banking, retirement plans, or consumer protection law: Where should I start with the bank?

If you’re in the banking industry, what are general policies regarding this situation? Does the bank have any negligence here?

EDIT*** :
Also, I can confirm that the lender did ask me if I wanted to use the account/routing number they had on file, I agreed, assuming that since this is technically through my employer and I receive regular paychecks to the correct account, that the information they had was accurate and mine. There was never an explicit confirmation of bank info, just a suggestion to use whatever information that had.

I have CDs with Salem Five. They are about to mature and they seem to want me to snail mail a form with instructions?

I'll be contacting them Monday for clarification and options, but just wondering if anyone else deals with this bank?

I tried to post in the rocketmoney sub and the post was deleted 🙄 not sure where else to ask this.

I’ve never had a rocket money account as far as I can remember. Looking at the App Store, I’ve never downloaded the app.
However, a few weeks ago I started receiving emails from them talking about “uncategorized transactions”. At first I assumed some kind of phishing scams, but the emails kept coming. They’re accurate to my bank account, so there’s clearly been access granted somehow. I searched through my emails and I’ve never gotten anything from them until all this started. I cannot figure out why or how they’ve gained access to my bank information, and it’s quite alarming. Because I don’t have an account with them, I can’t log in to see if there’s other connected apps or something.
Has this happened to anyone else? What’s going on?

My Roarbank credit card statement for July 2026 contained an unexplained ₹40 opening balance, even though I had fully paid my June statement.

The July statement also showed:

* ₹669 and ₹127 credits marked “USM” on 23 July.

* A ₹932 debit marked “Payment” on 24 July, which I had not initiated.

* A final statement amount due of ₹576.80.

I emailed the bank on 21 August and followed up on 27 August and 2 September, asking for a transaction-wise reconciliation, the source/reference of the ₹932 entry, and an explanation of the credits. I also paid the remaining ₹135.97 shown in the app before the due date to avoid potential late-payment or credit-reporting issues. This was not an acceptance of the disputed calculation.

**Bank's explanation**

On 7 September, the bank acknowledged that the original statement may have had an encoding/system-generated error and issued a revised statement.

After I escalated to the RBI Ombudsman, the bank explained that:

* ₹669 and ₹127 were merchant refunds relating to an earlier disputed transaction.

* The ₹932 debit was a reversal of a provisional credit given during a dispute investigation in December 2025, rather than a payment initiated by me.

* The bank could not identify a refund corresponding to the ₹136 difference between ₹932 and ₹796.

* It had found no adverse credit-bureau reporting.

**RBI Ombudsman outcome**

My complaint was closed on 12 October 2026 under Clause 14(8)(d) of the RBI Integrated Ombudsman Scheme 2026. The Ombudsman accepted the bank's explanation and stated that my objections did not have sufficient merit. The closure letter says this type of closure is non-appealable.

**What I need advice on**

1. Does the bank's explanation adequately account for the ₹932 reversal and the ₹136 difference, or should I ask for more evidence?

2. Is it worth approaching the National Consumer Helpline or filing a consumer commission complaint after this RBI closure?

3. Is there any realistic basis for seeking compensation for the time, inconvenience and repeated follow-ups, given that the original statement error was corrected?

4. Has anyone faced a similar Roarbank/Unity SFB issue and successfully resolved it?

I have the original and revised statements, email correspondence, the bank's explanation, and the RBI closure letter. I am looking for practical advice on whether further escalation is justified, rather than simply being told to email customer care again.

Thanks

I got a call for an interview from icici. Should I join it? What are the pros and cons of icici?

So I’m looking at buying a used vehicle and financing it through my bank, the seller first told me he wouldn’t take checks then agreed to take a certified bank check but on the condition it was written out to his LLC and not to him personally, would their be any reason that the bank would refuse to right the check to his LLC instead of him personally? It’s a salvage and remodeling business that has nothing to do with the vehicle I’m purchasing so I’m unsure if my bank will approve it or not, experian says my credit score is about 760 but I’m just worried about anything that’d make them turn me down since this is my first time financing. Any advice is greatly appreciated, thank you.

I am currently in Canada, but have an American bank. I was looking through my statements from the past week and noticed many small transactions. I panicked, but checked my receipts and they all add up to the transaction amount once converted to USD. This happened for two gas stations, a restaurant, and a Tim Hortons. There's an original transaction of a certain amount and then usually three following transactions, sometimes even the next day that are just a few cents.

Does anyone know why this is happening and if it anything to be concerned about? I'm using a US BMO account if that is relevant.

So basically I set up a wisely account for my job and my manager gave me a card. After I set up my account I got another card in the mail with different card information on it and my name on it. I did not request this or anything. Is it a scam or did they just change my account card?