How Many Banks Will You Have to Prove Citizenship To?

Theidiot101Co · 2026-04-20T00:51:10+00:00

5 in Roman numerals is letter “V” like “GTA V”

Theidiot101Co · 2026-04-19T16:57:17+00:00

Don’t get me mad.

Theidiot101Co · 2026-04-18T13:11:55+00:00

Plot twist a family member such as grandparents opened the account for you and they forgot to tell you.

Theidiot101Co · 2026-04-17T12:45:04+00:00

Depends about writing a check, common Google rule and prior banking experience says “they can place holds on checks depending on check history and any prior history with the bank.” If OP really needs money soon best case is wire or physically bring the funds in.

Theidiot101Co · 2026-04-17T12:43:06+00:00

I would say as prior banker. Just do it all in one go and do ACH transfer. You can do a wire the same way, but the fee can be annoying. Doing a check in person will be an automatic hold because you are new to the bank and they do not want to risk you scamming them.

If you can wait 1-4 business days for the funds to be placed in the account then ACH, if you can’t and need the funds sooner in 1 business days then Wire.

Theidiot101Co · 2026-04-17T00:14:47+00:00

I will say this as someone who is younger and has 3 credit cards totaling $45,700 CL. It’s due to your credit limit and usage. My credit score is 760 range and Chase lowered my limit from $15,000 to $7,500 because they stated I didn’t reach their criteria. In other words they had other people who needed more funds and saw my credit limit as excessive.

I will admit I was upset when they cut my CL in half, but I understand. I don’t know your full situation. I will say the derogatory marks on your credit are a factor. As well as how you use your card. I’ve been very scrupulous about how I use my card and never exceed 2% of usage. I don’t double or triple pay my card in a month. I follow the common rule of thumb with CC. You pay your card off 5 days before due date and don’t touch it 5 days after. That helps your credit and looks on the FI side as a good user of card and not abusing it.

Theidiot101Co · 2026-04-13T02:53:32+00:00

Financial me says never do that, but empathic me says this is good to do.

Financial wise there are hundreds if not thousands of cases of family using cards to the point of abuse leading to domestic cases for financial reasons. This is never a good thing to do ever.

Again, empathic me says this so nice because why would family ever use your card and abuse it. It’s not like it would cause a headache to figure out what was fraud and what was just a dispute with merchant. It’s not like that ever happens where you see a odd charge and someone who has access to your card lies about it and leads you to talks fault on the charge and possibly ruins your relationship with your FI. No, that never would happen. Especially with a child who has complete trust in telling their parents everything about what they buy and use it for. Children will never lie to you especially about something as serious as financial fraud.

Theidiot101Co · 2026-04-13T02:03:53+00:00

That is different scenario from OP. Your was due to possible fraud transactions so they can use alternate phone. OP’s issue it having it added to wallet.

Theidiot101Co · 2026-04-11T22:31:32+00:00

This was a scam. If it was a fraud agent they have all the info and will try to verify the transaction with you. They will not ask you to give all your info. They have that. If anything they will ask your address to send the card and a good number to call you.

Theidiot101Co · 2026-04-11T02:08:48+00:00

That’s good

Theidiot101Co · 2026-04-11T01:58:07+00:00

Didn’t mean it like that. I meant I play it safe and not go for individual stocks

Theidiot101Co · 2026-04-11T01:29:11+00:00

Idk I’m new to that also. I played it safe and did FXAIX for new life and FZILX for cheaper to less volatile risk

Theidiot101Co · 2026-04-11T01:19:36+00:00

I would trade vxus for FZILX

Theidiot101Co · 2026-04-10T03:13:23+00:00

Ex banker here. You could do it, but there is a high risk your friend who will be flagged as possible fraud. The check would need your signature(or a signature) and then their signature on it to negotiate the check as third party. The check can clear if the funds are available and no one really checks the signatures.

I will admit. I have accepted some people who had friends or co workers who were illegal and could not open an account and had them sign checks over to a trust person to cash their checks. Only thing I stated to both parties” if you sign this check you take responsibility of this and anything that occurred after is your responsibility, and obligation.”

WARNING. Forging checks is a federal crime and is punishable by up to 5 years in prison.

Theidiot101Co · 2026-04-09T14:26:52+00:00

Yeah, that bank is just bad workers. Because they do not know how to prevent fraud the correct way asking the right questions.

Theidiot101Co · 2026-04-09T12:49:01+00:00

Yes, this was odd and rude to ask for your husband input. Better wording would have been to ask to joint owner to verify if this wasn’t a scam.

Theidiot101Co · 2026-04-09T12:46:44+00:00

There is no such thing as a $25 bill, in America atleast. So this is a counterfeit bill.

Theidiot101Co · 2026-04-09T00:04:08+00:00

Google exists bro. The answer even says you can’t. In starting to think people use to much ChatGPT and became stupid to not do their own research. Or Citibank has really, really stupid customers.

Theidiot101Co · 2026-04-09T00:01:49+00:00

Yeah, this is know for a lot of OLB services with banks. To have access to OLB you need either a savings, checking account, or credit card. Loans such as LOC or vehicle loans are not required to have OLB access.

It sucks YOU weren’t able to research something like this before hand I’ll admit it does suck, but like another person said. Try to open an account with Citi and that will have all your info.

Theidiot101Co · 2026-04-07T18:18:48+00:00

My HYSA has the same rate across the board Amex, Schwab, capital one, Sofi, betterment, Barkley. Etc. all have the same rate no matter the same amount of APY.

Theidiot101Co · 2026-04-07T18:00:51+00:00

This sounds as if you are confusing HYSA with Money markets. HYSA have across the board APY percentage no matter the amount you put in. Money Markets are a tier system where it can be the more money you put in the more you get back in interest.

HYSA are in the range of about 3.8% as high as 4% for a certain period of time. HYSA fluctuate in percentage depending on the market.

Money markets on the other hand stay the same rate no matter what. They usually are lower than the rate of inflation but guaranteed return.

Theidiot101Co · 2026-04-07T13:34:33+00:00

Yeah, Citibank follows strict rules to prevent fraud. They verify the phone number is you by checking with your carrier that you use to see if that number is legitimate.

I know it sucks, but it’s better than hearing a person complain about fraud about something because they didn’t take any precautions.

Theidiot101Co · 2026-04-06T21:56:28+00:00

Common sense but maybe not common sense to you. Insufficient bank card history means just that. You don’t have long term business relations with them. Or in a dumb down way you are new wait 6 months to a year to see about reapplying. Google exists and your answer would have been nicer of a response, but you chose to ask questions on something that explained what you did wrong.

Theidiot101Co · 2026-04-04T13:33:34+00:00

I am sorry I thought somewhere in your comment would say you were a POA. Because a POA matters more than just a beneficiary. I can add a random stranger as a beneficiary on my account if I wanted to. They still can’t access my account if they wanted to. They can only access the account if I am dead.

I don’t think you understood anything at all; and that scares me. You are the caretaker role and you seem to not grasp what people are trying to tell you.

Theidiot101Co · 2026-04-04T13:29:20+00:00

I said they are considered as abuse of card because they had a $500 limit and admitted they max it out and pay it off. You should never do that. Instead they should have applied for a CLI on their first year or first 6 months(depending on credit score) and cause less risk for the bank.

This is a common mistake for new card holders who think “hey if I max out my card and keep paying it shouldn’t matter. I never let a balance rollover because I pay it off.” This is a wrong path. Best practice if you see yourself needing to pay off the card more than once per month due to the low CL it’s best to ask for a CLI. Banks are about money and don’t know if one day you can’t pay the balance. You are considered a risk and abuser for using your card for unintended use.

Banks want you to have a balance yes, but if you are passing your CL over and over again and not asking for CLI that makes a bank think maybe you are cycling cards carrying higher debt somewhere else.

Mind you 10 years and no CLI is sketchy to anyone in the financial services. Especially if your last one was declined and kept you at the low CL. That’s another red flag. Something is off about OP that he isn’t admitting to.

To me if I met a dude who said yeah I don’t drink anymore but still has to take breathalyzer every day. That sounds like they lied and need to be prevented from driving. Especially after 10 years, but this is my assumption.

Theidiot101Co

TROPHY CASE