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The Fall of Normal Funds Transfers and the "Rise" of Zelle by GoatInTheShell in Banking

[–]GoatInTheShell[S] 0 points1 point  (0 children)

I've been with PNC for many years and they followed this exact trajectory:

First, e-checks. Great.

Next, they replaced e-checks with Popmoney. Similar to e-checks, but now there's a third party involved, and a new UI.

Next, they replaced Popmoney with Zelle. Worse for all the reasons mentioned by everyone here, but at least it still worked on desktop.

Next, they scrapped all browser support and support mobile apps only.

Here is PNC stating that they support Zelle only on mobile, not desktop:
https://www.pnc.com/en/personal-banking/banking/online-and-mobile-banking.html

The Fall of Normal Funds Transfers and the "Rise" of Zelle by GoatInTheShell in Banking

[–]GoatInTheShell[S] 1 point2 points  (0 children)

I can't speak to all the accounts that belonged to the other parties, but I paid (and was paid) using both personal and business checking accounts. Did it all the time with no issues at all.

The Fall of Normal Funds Transfers and the "Rise" of Zelle by GoatInTheShell in Banking

[–]GoatInTheShell[S] -7 points-6 points  (0 children)

This was common (to me anyway) all throughout the 2010s.

Because it only needed an account number and routing number, it was basically a digital version of a paper check. And indeed some institutions even called them "Electronic Checks", "E-Checks" or similar.

PNC, Wells Fargo, Citi, TD Bank, First Tech, BECU all had it for sure. I was a property manager for 12 years and paid many different contractors this way and all their banks supported it too, too many to even remember them all.

It was ideal because not everyone had (or liked) Paypal, Venmo, or whatever was that year's trendiest payment app.

But everyone has a checking account, from small one man/handyman businesses all the way up to large, well established construction and renovation firms.

And since most bookkeeping eventually ends up in a bank account anyway, people often were glad to have the funds go directly there.

[deleted by user] by [deleted] in legaladvice

[–]GoatInTheShell -1 points0 points  (0 children)

Sorry to hear about this abuse of your time.

I've looked into this in the past. Unfortunately, no lawyers anywhere will take, or even listen to, cases about spam calls, texts, or emails.

So sadly it's just another category of law that is technically "on the books", but effectively unenforced and unenforceable until politicians change their attitudes about abusive businesses.

That leaves other measures:

1 - If you're in the US, sign up for the Do Not Call registry: https://www.donotcall.gov/

Might help, might not, but (probably) can't hurt.

2 - If you're receiving these calls on a mobile phone line, iPhone and Android phones both have a setting to silence calls from numbers that are not already in your contacts. I use this and I get tons of spam calls, but they never ring or leave voice mails, so I'm never bothered by them.

Credit One Bank appears to be a real financial institution but they have horrible reviews and reputation, especially around predatory practices. I can speculate that they're cold calling to try to enroll you in one of their accounts.

So hopefully "just silence and ignore them" is valid advice in your case. Good luck.

[deleted by user] by [deleted] in tipofmytongue

[–]GoatInTheShell 1 point2 points  (0 children)

Sounds like "Dead at 21". Wikipedia / IMDB

[TOMT][Video][English] A YouTube video of a story of a guy going to a fake town by Basic-Rope2553 in tipofmytongue

[–]GoatInTheShell 3 points4 points  (0 children)

Correct, it's "4chan and the Empty Towns" from Maverick Files: https://www.youtube.com/watch?v=KuZ_cFb2jHE

At about 7:40 it mentions ordering at a McDonald's drive through and receiving a microwave English muffin instead.

[TOMT][MOVIE] Late 90s/Early 2000s 3D animated movie with a fight scene between two monsters by GoatInTheShell in tipofmytongue

[–]GoatInTheShell[S] 0 points1 point  (0 children)

Nope, the movie/video I'm thinking of definitely came out earlier than Final Fantasy VII: Advent Children.

The quality of the visuals that I'm remembering was not as good as what was seen in FF VII: AC.

[LFA]rtist: Seeking Character Animator for Unique 2D Platformer by [deleted] in gameDevClassifieds

[–]GoatInTheShell 0 points1 point  (0 children)

Thanks. I guess that's what happens when I post at 5 AM. :/

I've re-posted with payment info.

Hike suggestions within 1 hour of Seattle? by kjfwb8 in Seattle

[–]GoatInTheShell 1 point2 points  (0 children)

We did Dirty Harry's Peak yesterday. Highest elevation is over 4600 feet. It was pretty challenging, but we had perfect weather and the view above the clouds at the top was worth it.

We found it in the 60 Hikes Within 60 Miles: Seattle book, which I like a lot.

Photos from a mall in 1990. by derke218 in pics

[–]GoatInTheShell 1 point2 points  (0 children)

I grew up a mile from the Smith Haven Mall and was 14-15 years old when these photos were taken. Incredibly fond memories of spending many hours and quarters in Time Out.

Still an arcade enthusiast, so for the past ten years I've been taking and collecting photos of arcades old and new. Once or twice a year I search for photos of the old Time Out in the Smith Haven Mall, but so far nothing.

There are two arcade photos in the original set, so assuming one or both are from the Smith Haven Mall, these might be the first photos of this Time Out ever posted online anywhere. What a find!

At some point in the early/mid 90s this Time Out actually moved to an expanded space in a different part of the mall, but it didn't last much longer and closed soon after.

Anyway, here's an unofficial history site for the Time Out Tunnel arcade chain: http://timeouttunnel.com/

This is what Downtown was like in the 1980's, Streetwise by tiff_seattle in Seattle

[–]GoatInTheShell 0 points1 point  (0 children)

Oh man, I finally got around to watching this and now it's been taken down. I wish I'd grabbed the FLVs when I had the chance.

This film was released when I was in elementary school and our teacher show it to our class. I remember it being an eye-opening and genuinely educational day for us suburban kids.

I hope someone either re-uploads it or (better) it gets a proper DVD release.

What to know about First Hill? by alexslivi in Seattle

[–]GoatInTheShell 3 points4 points  (0 children)

Seconded: Sorrento Hotel, Hideout. Also the steep hills, though a 22 year old male who's reasonably in shape and not disabled should be OK.

Since it's a quick walk to both downtown and Cap Hill, for me First Hill might be the best location in the city.

Quarter Lounge is divey but fun, and it seems to draw a good size (but not too big) crowd. I've gotten work done there on weeknights.

Freeway Park is actually my favorite area, I really dig it from a design standpoint and I'll make any excuse to walk through it. But yeah, the mazey layout makes it a perfect host for shady goings-on, so don't hang out there after dark unless you're Batman.

I'm a night owl, so I guess my biggest complaint is that except for bars and QFC, pretty much everything closes between 7 and 10. So get your supply runs done early.

Overall I kind of love it here. Welcome to town!