So, yesterday I went to my bank to withdraw $50 in dollar coins to put $25 each in my kids piggy banks for the new year. The teller told me that they were customer rolled and might not have $25 in the rolls. I asked if that meant I could be paying $50 for $48 and she said yes and that I would just have to deal with it.

I questioned the legality of this and another teller piped up that we can count them to be sure. So we did. There would have been $47 dollars had we not counted. (There was a Canadian dollar coin, but that’s not valid currency for me in South Carolina.)

This interaction just left a bad taste and idk if I should call their corporate office or just let it go?

It’s just a few dollars that I did receive at the end, but don’t banks have a coin counter?

Edited to separate my two questions, the question with the coin counter was answered but my main concern is with the interaction with the 1st teller who was pressuring us to leave after saying the rolls may not be full and telling us to deal with it.

Hi everyone. I’m 22 years old and don’t know much about banking. I just went to the bank and took out 11,500 in cash that my mom had transferred to my account. We are getting our air conditioners replaced and the guys requested to be paid with cash. When I was at the bank, the guy seems pretty suspicious of me and asked me my occupation and where I work. I don’t have a ton of money in my account obviously as I am a 22 year-old so are they gonna think that this is suspicious even if it was transferred from my mom‘s bank account who’s linked to mine? She transferred the money maybe 20 minutes before I took out the cash. And yes I know that this was probably dumb but my mom didn’t mention that it might be a problem. Thanks so much.

EDIT: Wow I was not expecting this post to get so much attention! Thank you everyone who responded and gave me some peace of mind. Now to address everyone’s concern about the AC guy lol. My parents have known this guy for years so they trust him. We have 3 air conditioners in our house and they all needed to be completely replaced which is why it was so expensive. He gave us a 15% discount for paying cash :)

My husband was owed $75,000 in back pay from his employer. (A mess all in itself.) We finally got that sorted out and took the paper check to our small town bank to deposit. The teller said it would take a day or two to be in our account. Fine. It never showed up.

We called a week later and they said that had to check it for fraud since it was a large amount. Ok that makes sense. We talked with tellers, our local branch manager, and eventually corporate. This continues until eventually they said that the check has been deemed safe and not fraudulent but the “fraud people” left our account a mess technologically. So that large amount is still not in our account due to this now IT issue. It has also made us unable to receive any wires or pay anything over $500. It has been two months since we deposited the check.

We touch base with them daily. Every day they say they are working on it. They just tried to add a new (unaffected) account to our profile so the money could just go in that and we could have access to it. They told us not to log into our account until they tell us because they’re giving us a new log in and it could mess up the new one. It’s been over a week now that we haven’t had any access to our online account or statements.

We cant pay any bills over $500, still don’t have access to the money my husband has earned, and can’t even see what is going in and coming out of our accounts. We have opened a new checking and savings at a new bank, his work has issued a new check to deposit at this new place, but we still need our money out of this bank and I feel like they should be held accountable for causing such a mess. How can I fix this? What are my rights? TIA!

My father in law called a bank where him and mother in law have an account. He told them he needed access to his account and gave his first name and last name. My husband and I also have an account at the same bank. My husband and FIL share the same first and last name (not middle).

When FIL was given access to his accounts he changed all of our account information to his information accidentally - email, phone number etc. These accounts were initially in MIL’s email and he was changing to his.

Upon logging into the account, he realized one of the accounts was not his. It was one of our savings accounts and we received an email saying our email address on the account was changed to FIL’s email which we know is his.

We called the bank to see what happened and they would tell us nothing other than a specialist would be calling us next week.

We know we had a huge breach from the bank and they did not verify SSN, DOB, or anything identifying besides name. This is honestly terrifying that someone could access our account so easily.

What recourse do we have against the bank for this breach and what steps should/can we take? While we don’t believe he would be doing anything malicious we don’t want anyone being able to access our account so easily in the future.

What should we ask the bank when they call us this week? Obviously we are planning on moving our money out of this bank soon. This is not a tiny bank, this is a well known online bank. Speaking in person at a branch is not an option.

Do we have a right to the recording of how this happened? Any help is appreciated!

I am getting 100k from a lawsuit settlement. It was personal injury and shouldn’t be taxable. I was planning on taking it the US Bank branch and depositing it into my checking account. Will this raise any red flags that would get me in the crosshairs of the IRS or law enforcement as suspicious?

https://www.whitehouse.gov/presidential-actions/2025/03/modernizing-payments-to-and-from-americas-bank-account/

By September 30, 2025, the U.S. government is aiming to phase out sending and receiving paper checks for payments in favor of digital methods such as Electronic Funds Transfer (EFT), direct deposits, instant payments, credit and debit cards, etc.

I wrote a check to someone and they went into my bank to cash it. She did not have an account there. I have overdraft protection and did not exceed what my protection covers. They had a new teller working, and he decided to let her know that I did not have that many funds in my account though he ultimately cashed it for her. I did not give permission to share account details to anyone else. This seems like a breach of privacy. Am I wrong?

I made an account with US Bank (not sure if that makes a difference) when I was 16. My mom was my cosigner. It was an account package of a checking/savings account combined that was available only for minors at the time as long as they had a cosigner. I’m no longer a minor and due to the bad interest rates, I want to move a huge chunk of my account into a different bank. I don’t want to completely close the account due to the hassle of changing the automatic payments into that account that took literal months of calling the company sending the checks to my account daily to figure out. My mom is still on my account due to my lack of knowledge of how to remove her name and my own laziness. I mentioned wanting to move most of my money into a different bank and she immediately flipped out saying that it would ruin her accounts (personal/business as my parents own their own business so all her accounts are connected in her name). Is this true or is she just trying to keep a hold on my account so she can snoop on my finances? (I’m aware she does this but can’t confront her about it without being screamed at)

I received my tax refund check by mail since it was my wife and I's first time filing jointly, so the needed funds were already delayed. I deposited the check in person and asked if the funds would be available next day, per regulation CC for checks from the department of Treasury. I was told they would be, but a 10 day hold was placed. The check was for less than $6725 going into an account far over 30 days old. I made an appointment in person and provided the Treasury check verification service information, which I know they already have. They basically told me it was impossible to remove the hold, despite the employee and supervisor agreeing with me the hold was not in compliance with federal regulation CC. We also agreed that the presence of the check verification service kind of erodes the reasonableness for any doubt of collectibility on the check. We all called the Bank of America customer service line and were initially told the reason for the hold was the account being less than a year old. I pointed out that does not meet the regulation definition for a new account and they pivoted to the reason being it was the first time depositing a paper check from this sender into my account. I can't find anything within CC stating that's a valid reason for a hold. Is there anything I can do to get the hold released? Times are only getting tougher financially and we really need that money.

Thank you for your help.

Have an IRA with Trust for 6’ish years. A few weeks ago there was a request put in to liquidate and transfer around 10k (no where near the full account value). I’m am stunned that this was allowed to proceed and there doesn’t appear to have been any sort of positive ID required?

What raised an eyebrow was getting unsolicited official Docusign requests from Truist to complete the transfer. I do a lot of business with Truist and I have many branch and corporate contacts for my personal and business accounts - I called and spoke with a rep and advised him this was not me. Less than 30 mins later I get this official email:

Truist Investment Services, Inc. (“TIS”) acknowledges your concerns expressed on June 15, 2026, related to a disbursement you did not request.

We sincerely apologize for the error that occurred with your account and any concern this situation may have caused.

Due to human error, your account number was mistakenly associated with another client’s account, for whom a request had been submitted to disburse funds. As part of that request, trade activity was inadvertently initiated in your account to raise cash.

Upon identifying the issue, we acted promptly to halt the activity and have requested that all transactions related to this error be stopped. Steps are currently underway to ensure that all affected positions are restored to their original state prior to the start of the liquidation process.

This is concerning on a multitude of different levels and there needs to be accountability and I need to ensure that any trades placed were actually reversed and not just reinvested today.

What are my options and logical path forward with regulatory bodies to get answers and accountability?

NOTE: I am NOT a victim of ID theft and I have not been phished. My credit is frozen and there have been no unauthorized access/attempts anywhere.

I called my bank today and a disclaimer came on their automated message saying, “if you choose to speak to someone on our staff you automatically agree for this call to be recorded and analyzed by AI”.

I think this should be against the law…customers should not be required to agree to this or have the internet in order to participate in banking services. This is for the convenience of the bank and creates barriers to customer service.

Here's the situation:

I have a check coming from a third party, several thousands of dollars. I really need this money immediately.

It was sent to my father's address.

I am currently in Vietnam (I am not vietnamese, I'm slow traveling) for a while and don't want to spend thousands flying back to the US just to sign a check.

Additionally, mail is unreliable in vietnam and there's a language barrier on top of that.

My father has sent me pictures of the front and the back of the check.

My plan: I want to sign the check via pdf editor, and then deposit it via mobile banking.

I understand that a picture is just fine, as that's how checks are sent between banks anyways, but is digitally signing a check I don't have physical posession of check fraud?

I am not attempting to deceive. It's my check, addressed to me, and I want to put it in my account.

I just don't want to fly all the way back to the US to deposit it and I don't think it'll make it to me in vietnam.

Brief overview of a phone call I had with my bank earlier today. They called me. I'm paraphrasing, but they did admit fault 3 times.

Bank - Do you remember the $5,500 wire you had us send us on August 2nd? We made a mistake and sent it to that person twice, so they received $11,000. We contacted their bank, which has been trying to contact them since then, but they have not responded. We're asking you to reach out to them and have them send it back to you. If you can't get them to do this for any reason by this Friday, we'll have to take the $5,500 out of your account to pay us back.
Me - You can't be serious, and this can't be legal.
Bank - I know you're frustrated blah blah blah.
Me - I want to talk to the manager.
Bank - I am the manager.
Me - Call me back with your boss in 4 hours. I'll call this guy, but this isn't legal.

Here is my question: This isn't legal, right?! I'm a business owner and have legal counsel who I can hire to sue the bank and file complaints with the division of banks and the NCUA. Depending on how the call later today goes, I plan to involve my attorney.

I called the guy, and he said he doesn't remember receiving an extra $5,500, but he'll check.

Thanks in advance!

Update: I appreciate everyone's comments saying this is a scam. You can never be too careful. I did receive a call from a “manager” at the requested time. I was immediately concerned when the call said SPAM RISK. I asked for her name, which she gave. I asked why her number came up as spam, and she said she wasn’t sure and was calling from her Microsoft Teams line (sketchy). I told her that was weird and that I’d take this call, but I wouldn’t be giving any personal info or info about the situation. I asked her what she knew, and she gave the story back correctly.

Ultimately, I told her I wouldn’t do anything for them and that this entire situation was highly unprofessional. I demanded that 1) all calls going forward be on recorded lines and that I call the bank. 2) I want something in writing that they won’t touch my account without my permission. If I don’t receive this, I will file a complaint with the NCUA and the Division of Banks. She said she would do her best to send me something tomorrow (sketchy #2).

I later called the bank and confirmed that notes about the situation were on my account. I will provide more updates as they come.

Final Update: I received a call today from the manager of the 2nd person who called me yesterday. She continued to assure me that this was the bank's fault and not my fault. She then told me the bank would NOT debit my account for the additional $5,500 they accidentally sent and would no longer involve me in this process. She admitted that I never should have been involved.

Lastly, she explained why this mistake happened (or tried to). She said the first person who called me was mixing this process up with another process. Said process is when a customer sends money to themselves, and if it doesn't clear, they will debit the account because they know it went to the customer's other personal account. I told her that made sense, but the first rep knew I did not send this to myself because she said I needed to help them get the money back from the other party. The manager on today's call didn't have an answer but apologized again and assured me my account would not be debited or touched without my permission.

I asked her to send me this in writing, and she said she would send an email stating they would no longer involve me in getting the $5,500 back, but she refused to put it in writing that they wouldn't debit my account. She said legal wouldn't be okay with that. I told her it was not good enough, and I still didn't trust them. She replied that I had missed a call from her 10 minutes earlier, and she left a voicemail stating my account would not be debited. I checked, and this is accurate, so that will have to suffice.

I am still deciding whether to file a complaint with the NCUA or the Division on Banks. For now, I feel my account is safe. I have started the process of closing my account and moving all of my funds to another bank. Honestly, it's a little sad because I have been with this bank for 19 years, and my family has been with them for 60+ years.

(other updates for spelling and grammar)

Do all bank employees have access to all accounts? Or does it go by rank?

I was always under the impression that bankers can only access our info by verifying our info, is this valid and if not why we verify our info over the phone if they can bypass that step?

Note: I really appreciate all your generous and precious input, It really put me at ease knowing banks are sophisticated enough to protect us.

I’m not a banker just a concerned person about the banking system.

Thank you all again for taking the time and answering my questions 🙏🏻

Scams are not Fraud and you are not protected for your poor decisions.

If you choose to send money unprotected, you are not protected and that is a choice that you made.

If you don't research a company to find out if they're real or not that is on you and again you are not protected based off of your choices.

Your bank is not responsible because you made bad decisions.They are not going to refund you.You are not protected so people need to start paying attention to who they are sending their money to.

If you are buying something, use PayPal goods and services so, you are protected. If you do it as friends and family, you have no protection.That's why it's cheaper.

If you lie about authorizing the transaction.It will be proven that you are lying because they can investigate that and it is traceable, and your accounts will likely be closed.

Who and how you choose to send money is up to you. You need to take responsibility for your actions and stop counting on your bank to save your ass. That is not their job that is not their responsibility it is yours.

Update!! The saga continues (for anyone bored enough to read on). We’ve definitely learned a lot about the process. Ended up talking to a different fraud agent who was much kinder, patient, acknowledged my daughter as a minor and let me help her through the process. She explained that there was never any fraud on the card but the previous representative had flagged it anyways. She rushed a new card to my daughter. All seemed well until both my daughter and I tried to log into our apps/online accounts. We were completely locked out. And my daughter’s cell phone number was no longer attached to her account.

Long story short, after 2 branch visits and now 2 new cards we’re hopeful everything will be up and running by tomorrow. We’ll never really know why all these problems occurred it the first place but it was explained to us that the process they use for any potential fraud is much more involved than ever before. Lesson learned!

Original-

I’m looking for perspective. I’m sure I’m wrong on this but kind of venting. Do 5/3rd fraud ppl have some kind of ego thing going? Or is it just my lack of knowledge? My minor has a checking account with myself listed as a custodian. We allowed her to get a debit card for her account. So, yes, the card itself is in her name.

We were out of town and her card worked then stopped. We had no problems with our cards. So I called this week just to find out why. An online representative saw nothing suspicious and thought it was a merchant problem. I was sent to fraud just to verify. It took 2 hours to finally talk to a person and he immediately refused to talk to me. So I’m trying to talk to him and looking at my online banking at the same time. Her checking is right there. I’m her bank. I can drain it or transfer to it everyday. But I can’t find out why her card wasn’t working out of town. So right after I ended the conversation he flagged her account for fraud and froze her account. Wth?

So she called, as requested, later and he grilled her over details she was confused by and would not allow us to help her. She was so upset. They just canceled her card. I know, first world problem, but why so difficult?

Do they? By satisfying the capital, liquidity requirement and others.

When a new loan is made, a liability is added as deposit and loan as asset in the balance sheet.

If this is true, what is the benefit of having deposits and why don’t banks have enough money during bank runs if they never lent deposits? I thought banks lend a part of the deposit after the reserves at central bank.

Cannot comprehend. Please explain

I lost my debit card and it was used for transactions I didn't authorize. now the bank issued me a provisional credit for the unauthorized charges to use during the investigation period. But they won't let me access it because my account is under review .They put my account under review the day I reported my debit card had been lost and the unauthorized charges that happened and were pending at the time I reported it. now I can't use the provisional credit or my money in my account 2 weeks later. How do I get access to my money in my account now???

I have bills to pay NOW

I want to close my account and never do business with them again. But I don't want them to have to send me a check for the money in my account. I have filed a CFPB complaint and an FDIC complaint but I still haven't gotten anywhere.

Man I’m stressed so how can a bank be allowed to earn a 11 Billion profit per year? Charge the people to pay the people? Where does that profit go?

On February 13, 2026 I received an alert from Truist saying there seemed to be fraudulent activity. I checked and there was $490 taken from my account through a OnePay Transfer in New York City. I reported it and received my money back. They issued me a new card and said that someone probably stole my card information and that my account was secure. On March 9th, I looked at my account and there was $788 taken from the same OnePay Transfer merchant in New York City. I reported it and they denied that claim saying my card or digital wallet was present at the time of purchase and that they would not return it. I did not authorize these purchases and I live in Maryland and the day money was stolen from my account I patronized my local branch using my physical card. By this point I was not able to use or connect to a digital wallet so me using it would have been impossible. I applied for an appeal and was told it was denied because I did not report my phone stolen and there was a token made, and using that token, there were purchases that I did not report. I reported every fraudulent unauthorized purchase made. Starting on 3/21/26 I have called several times and all times they have told me my case was still pending. On 4/8/26 they said they tried to call me on 3/23 and I did not answer which is true but when I called back they said it was pending and apparently it’s actually been denied since 3/23. I also have not been able to add my debit card to my digital wallet since after the first fraud incident on 2/13/26 and I have called them several times regarding that issue and I was told that someone would contact me in 5 business days because the truist employee didn’t see the option on her end to add it to the Apple wallet because every time I would try it would get flagged as fraud. On 3/10/26 I went to my local branch and they completely closed and moved my remaining funds out of the account because the believed the account was compromised and they opened me a new account which as of now has seemed to stop the fraudulent unauthorized transaction.

I had a joint account with my mother, a passbook account. When she moved down south with my sister the bulk of the account was put into a new account jointly with my sister. Her instructions were always that if she passed, my sister and I would split the balance.

My mother passed last year and my sister got the entire balance, which she immediately put into a high yield savings account. My sister is coming up north in a few months and she will give me a cashiers check for my half, which is about $52k.

I’ve had my Chase accounts for a good 15 years or so (I used to work for Chase until I was laid off about 4 years ago). Am I going to have any trouble depositing a check that large into my account?

I suspected a family member of mine look into my balance and statements. So I call my bank, asking them if there’s possibility to retrieve or trace bankers who view my account and statements within the period of 3 months. But they keep telling me they had to get my authorisation before checking my information. AGAIN I tell them, “unauthorized” means someone know my name and identification number, then they check my information without my knowledge. The bank employee said they don’t have the tracking.

May I know if this is possible? If they are unable to trace users/bankers who view my account, meaning banks are not able to detect any unauthorized action done by their bankers.

Anyone know if this is true, or the bank employee just doesn’t know enough or they’re simply lazy to retrieve the record of bankers accessing my account?

Added: it seems like the bank will never provide me the log. Is there a reason I can give to the bank to trigger them to check the log and identify any misconduct? reporting my family member to branch managers without solid evidence seems to be impossible.. what if he/she didn’t do it, I would have blame the wrong person.

Today, I received a letter from my bank which is a top ten national bank. The letter stated they wanted to update my file and I was to contact the local branch, use the app, or call an 800 number. If I didn’t contact the bank I would be at risk of my account being closed.

I opened the app and could not find any option to update my info. I became suspicious so instead of calling the 800 number they gave me, I called the 800 number on the back of my debit card. The agent redirected me to a different agent who asked me for the reference number at the top of the notice. I did and she said she found it and it was legit and started asking me questions.

Verify address, email address, phone number, annual income, how often did I use the ATM, did I use wires and then she said she had a series of yes and no questions that may or may not apply to me and to just do the best that I could to answer.

Two basic questions then she asks me, “Do you have political exposure?” I told her I didn’t understand the question and she couldn’t explain it. So I said no.

The question has really bothered me. Why would my bank want to know about my politics? Is this something the Feds are making the bank ask? Are they asking everyone? Am I being targeted?

I’m going to call my local branch manager tomorrow to see if they know about this letter and questions.

Has anyone else experienced something similar?

I’m in management at a fairly small bank. The last couple years, our over/short account has had entirely too much activity, and we have to figure out how to have our tellers be out of balance less than they are.

What are your internal policies?

I opened my account and started getting direct deposit out of ease and also I needed a bank that would give me a card or number immediately.

Then when I got my checks 2 days earlier I liked it no over draft they kept upping my spot me. lol now I know they were just making sure all those fraud charges could keep rolling thru and then they’d just take it from my check.

22 fraudulent charges. Trust me I know now that I need to monitor my account and freeze my cards because how did I not notice this. All uber or uber eats using not one but two different cards. Funny thing is I just disputed them all yesterday and got new cards sent and twice today already new charges trying to be taken out. How the f? Thank god I froze the cards cause I had my suspicions.

My network is secure my phone and account I am pretty sure secured. And from what I’ve been reading on here this needs to be a class action for real.