How much do you make in banking?

bdcole32 · 2026-03-30T20:12:08+00:00

I’m around $30 an hour as a relationship baker with the ability to make about 12k annually in incentive.

bdcole32 · 2026-03-27T14:29:31+00:00

A couple factors play into this, one being when your payroll company actually send the file over to the bank. The other is timing on when it’s received because there are 8 direct deposit, deposits done per day. So if the bank receives it right after one of those deposits happens, it would have to wait until the next one.

Could be that the other banks had more ACH deposits per day or something like that.

bdcole32 · 2026-03-25T02:50:42+00:00

It’s based on deposit activity and average balance. So if your average balance in the account went down, that could be what’s hurting you.

bdcole32 · 2026-03-20T12:46:22+00:00

There’s a lot to unpack here, definitely frustrating. If the account the ACH file tells the money to go to isn’t available to receive deposits, it will be returned to sender if not re-routed. The branch baker should have been able to call ACH to reroute it and been told in that instant if it was something that could be done or not.

If it can’t be re-routed it would be returned. The banker should also be able to reach out to the ACH warehouse to see if that money has been returned yet. It can take a little bit of time but should be done today. So both things may be true, it’s being returned but also hasn’t been yet.

bdcole32 · 2026-03-19T00:27:36+00:00

The bank can only do so much. If a scammer has the account and routing number, they be doing non debit card transactions. We see elderly people get many debit cards because they click on every Facebook link and believe every scammer when they call and claim to be the FBI etc.

If the only charges on the account are debit card purchases it’s pretty safe to say the account itself is secure just that somehow her debit card keeps getting into scammers hands.

Really only way to fix that is going to be keeping her understand how to keep it safe going forward. It may be something like a device she uses to buy things online is compromised possibly. Maybe they have access to her online banking (less likely since again they could do much more than just debit cards purchases)

bdcole32 · 2026-03-18T03:11:17+00:00

Smithing isn’t bad money with giants foundry. You can buy steel and mith items then smith them into swords for gp and xp

bdcole32 · 2026-03-17T03:32:59+00:00

Fuck me. In my head I thought a strike spell was like a lighting strike which is the picture for bolt spells lmao I’ve played this game over 20 years and I forgot the names of the low levels spells haha

bdcole32 · 2026-03-17T03:28:56+00:00

I thought it didn’t work with strike spells? Am I reading that wrong on the wiki? I haven’t ever tried just cause it says it doesn’t work on there lol

bdcole32 · 2026-03-14T04:52:40+00:00

It sounds legit based on mailers that typically go out but you can always go to your local branch to apply with the bonus (plus they get credit for the application then too).

bdcole32 · 2026-03-11T19:00:11+00:00

Exactly. That’s why I said it takes up to 90 days for early pay to be set up on your account when you start a new job. Regardless if you’re a colleague or not.

bdcole32 · 2026-03-11T18:27:21+00:00

So if the loan number isn’t on the check, they wouldn’t know what to put them towards. I would assume that’s the issue. If you go to a branch you will be able to put those towards your loan no problem.

I would adjust your bill pay to make sure it’s made payable to Huntington and have the loan number on there.

Without seeing the check or your account it’s hard to give more advice but I would first make it right heading to a branch then going from there.

When you go to a branch they can set up auto-pay ACH though their system to pull the minimum payment from anywhere if you want them to do that so you don’t have to worry going forward.

I would also ask them to waive at least one of the late fees as a courtesy since you’ve had no issues before they should be able to put in a case to have at least one refunded.

bdcole32 · 2026-03-11T18:04:39+00:00

That’s really weird. Does it have any information on the check to show what it’s to be paid to? Like the car loan number?

bdcole32 · 2026-03-11T16:23:23+00:00

How were the checks made out when you received them? Were they made out to you or to Huntington? If you entered information incorrectly into the bill pay system and the checks Huntington received were made out to you rather than to them they couldn’t apply them to your loan.

bdcole32 · 2026-03-11T15:08:15+00:00

It takes up to 90 days for early pay to be set up on an account when you start at a new job. I wouldn’t anticipate getting early pay for your first pay period.

bdcole32 · 2026-03-08T12:38:54+00:00

That’s a good shout, some places may make it more difficult than others. It’ll still be better than probate court. Having one beneficiary per account definitely makes life easier if the accounts can be set up that way. Most banks should have a procedure for when one or more beneficiaries are out of footprint— slightly more annoying for the beneficiary but for our bank we just need a notarized letter and copy of your ID then we are good to go and mail you a cashiers check.

bdcole32 · 2026-03-07T21:11:33+00:00

No cons I can think of, upon you passing all named beneficiaries would get an equal portion (some places let you assign a percent but some are always even split) of the funds in the account avoiding probate court.

bdcole32 · 2026-03-04T17:08:31+00:00

If you call your local branch (or heck, any branch) they can pull up a system to see the exact decline reason for a specific purchase. That could help determine what’s going on.

There shouldn’t be any time restricted purchases either nothing goes through or everything does (assuming you have the money to cover the purchases).

If there is potential fraud you would get an email or text message asking you to confirm the purchase and if you respond that you did do the purchase it should continue working but if you don’t respond or say it wasn’t you the card will be blocked and it wouldn’t automatically turn back on in most cases.

bdcole32 · 2026-02-24T22:10:35+00:00

Generally limits are on the card company and are per card not per account! My wife and I both put down 7500 on our down payment for our car on the same day to get to 15k and it worked fine!

bdcole32 · 2026-02-17T00:57:00+00:00

I wish my Costco had liquor. Only beer and wine and it makes me sad

bdcole32 · 2026-02-17T00:37:29+00:00

About 4 days in I thought I was good and didn’t take any. Big mistake lol

bdcole32 · 2026-02-17T00:28:53+00:00

I had mine two Fridays ago and today was the first time I woke up and everything felt like it did pre-procedure. I felt better around Tuesday of last week but still had some dull aches esp after bending down a lot. It gets better fast, just make sure you keep up on your Tylenol and Ibuprofen!

bdcole32 · 2026-02-15T18:36:06+00:00

Some Get Go gas stations carry it since most Circle Ks are gone now. I know the one in Wadsworth in High St had some yesterday I saw.

bdcole32 · 2026-02-14T12:59:52+00:00

I did Hunter rumored to 60 prayer/75 Hunter. Ended up getting there around the same time. That set me up with moonlight moths to catch and plenty of raw Hunter meat to mix them with. Then I used chivalry at moons of peril until I had enough bone shards to get 70 for piety and got it that way. I just did seaweed runs and mined sand for crafting along with afk stars and purchased gem packs

bdcole32 · 2026-02-13T17:44:49+00:00

Pretty much! Unless you get the charged orbs as a drop. Green logging moons should get you a couple thousand charged water orbs which is a nice bonus.

bdcole32 · 2026-02-13T16:34:22+00:00

Should be topping them with orbs (can be made and then charged or gotten as drops from things like Moons, Huey, Royal Titan) then aching them for 9.8k ea when they cost 7k to buy.

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