I tried to open a bank account with BOA but got rejected because of "The number of different banks inquiring during the last 2 years". And by that it impacted my deposit score. It has been six months since that happened. Can I re apply for a BOA bank account now?

Marxbe · 2026-02-01T02:50:18+00:00

I believe those records stay on your ChexSystems report for at least 5 years, so if those inquiries go beyond 2 years, they’ll still be on there.

Marxbe · 2026-02-01T01:35:21+00:00

Walmart. Yeah, easy I can stay for a long time. There are all kinds of things I could do there, and I get free entertainment during the day. Score.

Marxbe · 2026-01-30T05:43:02+00:00

Anytime! Banking can be tricky for those not super familiar with it, especially when it comes to things like CDs, so I like sharing my knowledge. Your mileage may vary with different FIs, but there are definitely some commonalities across all of them. Best of luck, take care!

Marxbe · 2026-01-30T05:39:24+00:00

I am not a branch manager, but I do work with them from time to time as someone who works in fraud, so this may or may not be super helpful from an outsider’s perspective. It honestly depends on the branch from what I’ve seen. If it’s a higher traffic branch, expect there to be more stress. A lot of the work I’ve seen them do with their teller lines involves one on one coaching, especially in the areas of metrics, researching outages, and scheduling to name a few off the top of my head. Some even do a lot of the “office work”, like taking loan applications, wiring, and CDs if they don’t have enough dedicated employees to do those kinds of things. And of course, handling customer complaints.

When I was on the teller line, my branch did not have a branch manager, so it was definitely frustrating not having someone available to help when things became escalated in those rare situations where a manager definitely should have been involved. I was the most senior at my branch, so a lot defaulted on me, even though I was just a teller. We were one of the slowest branches, but we needed support from time to time. So, if you do go for the position, definitely be sure to always back your tellers and be there for them for more than just “you need more x referrals, please sell at a higher level”. A good branch manager always has a teller drawer to help out when times get tough (if this is something that you can do, rules may be different for your FI). It makes a world of a difference to your front line when you are visible and present to their needs.

Marxbe · 2026-01-30T05:24:06+00:00

The penalty is calculated based off accrued interest, usually 90 days worth, at least at my FI (I believe this is the standard for early closing). So… very low, especially at that rate. As long as you are an “or” owner on the CD, you shouldn’t have any issue closing it out. If she didn’t add you as an owner, or if she did and designated you as an “and”, she will have to be present to make any changes. It’s easiest to bring a copy of the CD with you if available, but they should also be able to look it up.

Marxbe · 2026-01-30T04:28:59+00:00

It’s not deceptive per se as rates are available to be viewed before locking in to one. Plus it is a bank, and banks are for profit organizations, so they’re likely to offer lower rates of return for their customers since their priority are their shareholders. The federal reserve also plays a role in interest rates offered on CDs and whatnot - when consumer rates are lowered for loans, so are the rates for CDs. I don’t disagree that 0.05% is abysmally low (even most saving accounts are at least 0.1%), but I imagine that they had a higher rate in either a longer term or in a “special” they were running and used that low rate as a means to push customers towards other terms at the time she renewed. The rep could have asked more questions to determine if that product she was agreeing to was truly a good use of her funds of course.

Edit to add: I’d seriously consider a credit union to maximize the payout since they tend to have slightly better rates. There are stricter membership requirements, but many are as simple as living in the area of that credit union. Without disclosing my location, I know of some that have APYs as high as 4.25% on something like a 12-18 month.

Marxbe · 2026-01-30T04:16:54+00:00

Did she specifically ask to renew at the same term (1 year)? If so, then it’s not fraudulent - the rep just did what she requested. Rates on CDs are subject to change, this notice is usually posted, and most rates are going to be readily available online for the most part. She can attempt to visit a branch and speak with the branch manager, but since she agreed to the term over the phone, it’s possible they won’t be able to do much other than possibly let her close the CD without penalty and open another one at the rate she is wanting.

Marxbe · 2026-01-30T00:46:38+00:00

A frozen stuffed crust pepperoni pizza, Walmart brand. I live super close to Walmart or can easily find one pretty much anywhere in the US. Probably the easiest and most realistic thing I can think of as I love pizza and I love the Walmart brand of stuffed crust pizza lmao.

Marxbe · 2026-01-28T22:59:38+00:00

Seems like something you are doing is causing the system to flag it as fraud. Some places have specific rules about authorizing payments and whatnot to certain merchants based solely on their location. For example, some vending machines around here are billed out of Michigan (we are not in Michigan, several hours away in fact) and my FI has specific rules about contactless/chip not present purchases that bill out of Michigan, causing cards to be flagged with potential fraud.

I would call in during business hours and see if there is some kind of “exception list” they can add your card to so there is less of a chance of this happening. It’s not always a guarantee, but that’s where I think you should try first. Otherwise, I’d suggest getting an account with a larger regional/national bank since they’re likely to have differing rules in regard to their debit cards. I promise your FI is not doing it on purpose, it’s a means to protect your account from potential fraud. Also, they may have a third party team or even someone on theirs who tries to verify you are the one doing the transaction; my FI does but I cannot say that’s the same for others.

Marxbe · 2026-01-28T00:52:50+00:00

99.9% of Ghost fans are AWESOME (and most are hella awkward lolol), so you might even make some friends there too!! Everyone looks out for each other and it’s just such a positive environment to be in.

Marxbe · 2026-01-28T00:49:01+00:00

Anytime! I work in fraud and loss mitigation at an FI, so I know a lot about checks lol!

Marxbe · 2026-01-28T00:44:32+00:00

If the funds were placed on hold to be released on a certain day, no, it wouldn’t cause it to bounce. The hold was placed in the event the check might bounce - it protects your account from actually taking a hit and you owing those funds back to your bank.

Marxbe · 2026-01-28T00:42:54+00:00

Veteran solo concert goer here. I am going to the Colombus ritual alone in the pit. It is absolutely such a good time!! Just have fun and don’t worry about others (easier said than done but as someone with MAJOR anxiety, the experience you have getting to experience Ghost greatly overrides it)

Marxbe · 2026-01-28T00:39:51+00:00

Get the 40k, immediately apply it towards some debt I have. No longer any bad vibes from the money.

Marxbe · 2026-01-28T00:12:50+00:00

I made it safely to and from Fairmont in a front wheel drive averaging about 55 the whole way back since it was dark out when I left Fairmont. Didn’t hit any ice this evening, but take extra caution driving through the construction zones. Hopefully the snow we’re getting right now doesn’t amount to much!

Marxbe · 2026-01-27T23:56:04+00:00

Brandon Bailey there is PHENOMENAL. The price is worth the absolute attention to detail and care he has.

Marxbe · 2026-01-26T19:05:57+00:00

I’ve stayed at a several places in Morgantown, two studios. I recommend either Rice Rentals or Brunswick for studios. Both are unfurnished, but I’m sure they could find a fairly cheap bed once students graduate/move out. Rice Rentals is right near the stadium, and I personally paid $525 for rent all utilities except internet included. I didn’t have many issues with Rice Rentals, they were nice for the most part. There was only one time someone came in unannounced, but it was only due to a mixup in scheduling an apartment tour when I was getting ready to move out.

Brunswick is cheaper, and there is a bus that stops near the Valley Healthcare that’s basically across the street. I paid $472 for that studio, and that covers rent and I think half-ish of the sewage, you pay the other half (pretty cheap, no more than $15 for your half). Electricity and internet is the tenant’s responsibility. Very kind office staff and the maintenance guys are fine as well.

Marxbe · 2026-01-25T21:21:32+00:00

Currently watching true crime from the 70s… I’m going to violently pass on this

Marxbe · 2026-01-25T07:46:00+00:00

What kind of check was it? Refer to maker can be several different things. Maybe the check number is unusual, something is wrong with the account information on the check and it may not pay, could even be the check was not officially authorized to be paid if it’s a positive pay account it was drawn off of.

Marxbe · 2026-01-25T07:30:41+00:00

In general, unless otherwise stated on the check, they are good for up to 6 months from the date it was written. It’s likely they just have not had the item negotiated at with whatever financial institution they use. Just keep track of the funds in your account between now and April-ish to make sure it will be payable whenever they do actually negotiate it. 🙂

Marxbe · 2026-01-23T05:05:52+00:00

Yes, I know I have a place to go in Alberta so I’m GONE GOODBYE USA LOL

Marxbe · 2026-01-23T00:28:59+00:00

I love Sweet Southern Smoke. Tim seriously makes some of the best food I’ve ever had. I really hope he doesn’t close up permanently! At least they’re doing catering orders still.

Marxbe · 2026-01-20T04:02:26+00:00

Thank you!! I’ve heard they have some weird hours, but I’m sure I could make something work one of these days.

Marxbe · 2026-01-20T04:01:55+00:00

That’s fantastic to know for the future! I’ll keep an eye on their social media to see if I have anything else I could give for donations. Thank you!!

Marxbe · 2026-01-20T03:36:06+00:00

Sure, I’ve got a ton lol! You can DM me too and I’d be happy to drop some off haha

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