r/Banking

TLDR; I have never worked at a desk before and always been blue collar or working outside. I’m not that great at math, I’m constantly having to work on my math skills. I’m very proficient in computers though. This is my first teller job. I’ve been here a month. This is a small bank, we deal with the same people almost everyday and a lot of stuff I do feels outdated technologically but it’s a good mix so I can’t complain.

Anyways, with that out of the way, last week I got a “verbal warning” and they also documented it in our paycheck system app that they talked to me about it about being over and under in my drawer (I had 3 that week.) and if I “kept making mistakes like that” I would be terminated because it’s an operational risk. Not just that but I was using the counting machine “too much.” (I use it to verify large transactions and anything that’s a large amount after I count it out) Understandable. But honestly the only true training I have gotten was on week one and since then I’ve been running my own line, handling my own transactions — just under supervision and the rest of the training I get is on the fly or as a transaction or situation comes up, I learn something then. With that said, since the warning I have been hyper vigilant and am recounting, and logging every single transaction to a tee. Now they’re hiring a new teller (since they fired the last one that I came back from lunch one day and she was gone) and “moving” me to the drive thru line from the front.

Maybe I’m just anxious because of my rough history of employers but I’m very concerned they’re going to just sweep me under the rug and fire me now that this new teller is coming in. To make matters worse, I already feel like I’m on thin ice with this verbal warning and me barely even being here a month. I set my bank front door key down in my house and I have not been able to find it, but I know it’s not lost outside of the house but I legitimately have not been able to find it. And it’s made me so ANXIOUS they’re going to use that against me. I haven’t had the best luck with employers the last couple of years and this job pays very poor ($15.50hr) but it is the first job I’ve been able to just put my mind to it and have a reasonable workload that means not being severely overworked and I am doing my absolute best to keep this job.

Advice?

So I was denied a bank account because a past CU charged off an account that was overdrawn over $800. I recently tried to open a 2nd chance checking account because I need a checking account with a tap card. I am using a netspend prepaid card that is swipe only and I'm always embarrassed to find out that my card isn't accepted at many places, as swiping now no longer exists. So I was denied a local bank and the banker over the phone gave me the number for ChexSystems and was rather real rude and irritated with me. Anyways, I got the rejection letter, deposit returned, and these were the reasons why:

Retail item activity

DDA history

Non-derogatory public record history

Non-DDA inquiry or retail item history

ADDRESS ALERT: NONRESIDENTIAL

What do all of these mean? And my address is a residential address. That part makes no sense.

I pulled up my ChexSystems and the charged off account shows "Account Abuse." I have a feeling even when the balance is paid, nowhere will open up a new account for me.

I haven't tried EWS banks, but I have a feeling it was reported to them as well.

I do think I can get my Walmart Bank Account back. 3 years ago, it was charged off for an overdraft and was told if I pay it, the account will automatically reopen. I hope this is the case and that I'm not denied for a Walmart Bank Account. I can't imagine how many looks and stares I'll get if I get denied in person after paying the overdraft, since literally anyone can be approved.

The CU that charged off the account told me they have a 2nd chance account I can apply for, but I have to pay the balance in full first and told me ways I can do it.

If those 2 options don't work, Idk what to do, except try and EWS account.

Hello everyone. Forgive me if I’m not in the right subreddit. I just need some reassurance

I bought a car in March and they gave me 45 days to make the first payment. I thought, what’s the worst that could happen if I make the first payment early? So I made the first payment towards the end of March. The first payment is due April 17th. I made the payment, it went through and that was it. Now the 17th of April has passed and my bank online is saying it’s past due. I called and they said it should be good. The guy on the phone thought I was making a payment for March. There is no March payment. I just need a little reassurance to make sure every is good, and what else should I do if the case its not alright? Thank you

I put wrong account number on my deposit slip i think but it is corrext on cheque what are my options now.

So the bank I work at (Cadence) got bought out by Huntington Bank. What can I expect as I transition over to a Customer Experience Banker for Huntington? What does this role entail? Are we essentially glorified tellers? Do we receive incentives? Can I grow in banking in this role or do they tend to want to keep people on the teller line?

Thank you in advance. Any input helps!

Do wellsfargo offer the earning app for their employees to use.

I'm looking at rates for CDs and I'm seeing APR and APY. Say 4.17% APR for 12 months and 4.25% APY. I know that 4.25% is overall what it's going to earn for the whole 12 months but what is APR here?

I sold my house, and I'm still waiting to buy something else. I currently have $127k in a HYS with Capital One. I was able to get their $1500 sign up bonus last week, so I am on the hunt for another one. I need this to purchase something later, so I am not interested in risking it with other stuff. HSY for now is fine.

Does anybody know of a good sign-up bonus right now?

I did my research and apparently its possible to get a US-issued debit card. However, it appears that the process requires completing forms and traveling to the United States to visit a bank branch in person.

hence im seeking a solution for me to get a debit card that is US-issued, without traveling whatsoever. thanks :D

I am not sure if this is relevant, but I am a citizen of a country that maintains good relations with the United States.

My brother has down syndrome and I'm currently in the hospital.

We set up his checking account as A by B with his name being first and mine second.

Is he allowed to withdraw funds without me. It's his money and all the deposited funds are in his name

Hi, me again. So i'm trying to get a loan from prosper. They are taking a $444.51 cut from my loan (so i'm "getting" $4,944.51 from loan) and i'll be paying a total of $6,100 in a 3 year span. $169.86 a month with a 21.14% APR.

Am I paying too much or this is how loans are?

I have never experienced something quite like this before! This month I paid rent through my Chase Checking account for the first time, and apparently Chase has no record of this payment. I paid as usual and got a receipt from my landlord's web portal, but the money never left my account. After calling my landlord, he said on his end it looked like I had issued a stop check order on the payment. After paying with my debit card, all was well.

Except this has happened again last week while trying to pay a utility bill! I called Chase and they simply have no record of my utility payment ever existing. Not even pending, just fully not there. This will be so much more of a headache to deal with than my landlord. So what gives? Why would these payments not be posting at all?

Been a BM for a couple of different banks at this point, and each one has a different idea of what the branch banking experience should look like.

I know the industry seems to have a lot of customer frustrations in general so I thought it would be a fun experiment to ask Reddit - what does a good branch banking experience look like for you?

Outside of differences between different institutions, when you go into a local branch, what is your idea of a great customer experience?

I have about 250 credit balance Im going to pay off tomorrow. I'm wondering if use it next business day, will still be credit it May 2nd due date or would it be June 2nd ?

I'm in USA

Bhai seriously… worst banking experience.

Account open karna?

2 min ka kaam 👍

Close karna?

Mission impossible 🚫

5 months se try kar raha hoon —

• Multiple requests

• Emails bheje

• Koi reply hi nahi

Aur use bhi nahi kar raha…

Phir bhi har month negative balance add ho raha hai 🙂

Matlab bina use kiye bhi paise kat rahe hain 🤡

Customer support = zero

Response = never

Galti kar di account khol ke…

Kisi ne close kiya ho to bata do 🙏

Guys I have many bank accounts those saving and 1000rs balance account still after many years I am not even able to close account due to negative balance and

what's the reason

Just not to maintain a minimum balance ok see why should I let my money to keep it on your bank where is freedom or democracy goes in this particular thing. It's my money why I don't have the authority

Minimum balance is the wall or forcing people's to Control their money how did even this kind of things are legitimate and legal what is RBI doing

Seriously how frustrated it is I am running business and to maintain balance isn't easy think of it as you hold 5 different account and you got 3000rs gone just for this

It's Scam

I've seen quite a few posts about people having issues that cause the banks to lock accounts lately and then have no way to their funds. I haven't had those issues thankfully. I also bank with several and have zelle set up with each account so I can move money quickly when I need it. I also like to try other banks to see if I like it. This has led me to wonder. Do a majority bank with only 1 bank?

I’m a 20M college student and I think I messed up badly.

A friend asked me to use my UPI to receive some money and send it back to him. I didn’t think much of it at the time, so I agreed. Over a few days, I received multiple small amounts from different unknown names and forwarded them to him.

Now things are getting serious. My friend’s bank has already contacted his family and asked them to come in and explain the transactions. I checked my own statement and it looks pretty suspicious too — multiple random credits and transfers to the same person.

I later found out this might be connected to some online betting app (lotery66), which I didn’t know at the time.

I’m really stressed now.

Can my bank also flag or freeze my account?

Will this turn into a legal issue or just a warning?

What should I say if my bank contacts me?

I’ve stopped all such transactions now, but I’m worried if I’ve already done damage.

Anyone been in a similar situation or knows how banks handle this?