BankingQuestions.com

What Happens if I Spend Money that is Not Mine?

editor@bankingquestions.com — Thu, 09 Jul 2009 12:00:04 EST

I recently discovered a $5000 deposit to my checking account which I did not make. I noticed that the deposit slip has my account number on it. What would happen to me if I was to spend this money...

Does Bank Statement Specify Direct Deposits?

editor@bankingquestions.com — Thu, 09 Jul 2009 11:00:02 EST

Will a bank statement identify that the employer made a direct deposit to an account...

Suing for Stopped Check Cashed - a Year Later

editor@bankingquestions.com — Thu, 09 Jul 2009 11:00:02 EST

I wrote a check in mid-2008 to a vendor, who in turn took it to a liquor store for cashing. I placed a stop payment on it within 48 hours after writing it. The liquor store apparently tried ...

About the New Terms of FDIC Insurance

editor@bankingquestions.com — Thu, 09 Jul 2009 08:00:04 EST

Do the new terms of FDIC insurance mean that regular non-interest bearing checking accounts are not FDIC insured...

Opening an Account Using Middle Name

editor@bankingquestions.com — Thu, 09 Jul 2009 08:00:03 EST

I go by my middle name, Elizabeth. I will be going to college in January and need to open a checking account. Can I use my middle name on my account, checks, or will I be forced to go by my first name...

How Does Subpoena for Information Work?

editor@bankingquestions.com — Wed, 08 Jul 2009 11:00:05 EST

What is the procedure a bank follows when they receive a subpoena regarding disclosure of information on a customer account...

Bank Says Check Signer is Liable for Owner's Debt

editor@bankingquestions.com — Wed, 01 Jul 2009 10:00:00 EST

My son opened a checking account with me as a check signer. He has been out of work for a year and owes $5000.00 to the bank for overdraft protection. The bank is telling me that I am just as liable as he is for this money. It is not a joint account...

Redeeming a Savings Bond Early

editor@bankingquestions.com — Wed, 08 Jul 2009 10:00:02 EST

I have had a savings bond for a short time, but have come into a desperate time where I need money. How long do I have to hold a savings bond before I cash it in...

Fraudulent Loan, but Bank Refuses to Cooperate

editor@bankingquestions.com — Wed, 08 Jul 2009 09:00:02 EST

I own a brokerage company and we executed a loan for a customer and it ended up that the loan was fraudulent. We are trying to get our money back and the bank that has the money wants our bank to sign a hold harmless agreement. Our bank refuses to sign ...

Getting Check Funds in Increments?

editor@bankingquestions.com — Wed, 08 Jul 2009 08:00:01 EST

I received a check for $12,000, which my wife deposited into my checking account. Afterwards, the bank said I only had access to $100. A week later I could have $4900, and a week after that...

Bank Abetted Fraud: How About Remuneration?

editor@bankingquestions.com — Tue, 07 Jul 2009 14:00:04 EST

My sister-in-law has been "helping" my mother with her banking. About two weeks ago, my mother got an overdraft notice. We found out that my mother's savings account, that held $40,000.00, had been depleted and closed, and her checking account was drained...

How to Get Funds from a Defunct Bank

editor@bankingquestions.com — Tue, 07 Jul 2009 13:00:05 EST

My mother had several bank books from the 80s and 90s which we recently discovered. The bank is now defunct. How can I check to see if these accounts exist...

How Long Can the Bank Hold My Money?

editor@bankingquestions.com — Tue, 07 Jul 2009 12:00:01 EST

I just want to know how long can a bank keep my account frozen. I had some money put in, and they want written documentation, but this could take up to a month. I want to know ...

What Account is Best - and Why?

editor@bankingquestions.com — Tue, 07 Jul 2009 11:00:11 EST

I have an x amount of money, say $100,000. What are the pros and cons of a checking account, MMDA, passbook savings account or a CD...

Amount Discrepancy has Government Involved

editor@bankingquestions.com — Tue, 07 Jul 2009 10:00:03 EST

A tenant wrote a rent check to me for $700.00. The written line was written "Seven dollars and 0 cents". The memo clearly stated that it was for the month's rent. It was credited as $700.00 to my account, also paid by their bank...

What About my Social Security Check?

editor@bankingquestions.com — Tue, 07 Jul 2009 09:00:03 EST

Can a creditor put a freeze on a bank account where my Social Security check is directly deposited...

Can I Cash This Check?

editor@bankingquestions.com — Tue, 07 Jul 2009 08:00:01 EST

I have a check made out to the US Postal Service C/O My Name. Is there any issue if I was to sign and deposit it in my account...

Is Bank Responsbile for Giving Misleading Info?

editor@bankingquestions.com — Mon, 06 Jul 2009 14:00:02 EST

I got a fraudulent check, unknowingly, and waited for it to be cleared. The bank told me that the check had cleared, though it hadn't. Is the bank responsible...

Best Payment Method for Private Car Sale

editor@bankingquestions.com — Mon, 06 Jul 2009 13:00:29 EST

When selling a car to a private party, what's a safer payment method, personal check or cashier's check...

Cashier's Checks: FDIC Insured?

editor@bankingquestions.com — Mon, 06 Jul 2009 12:00:02 EST

Are cashier's checks FDIC insured if a bank goes under, or do they become worthless...

Rolling 'Favorable Balance' into Available Balance

editor@bankingquestions.com — Mon, 06 Jul 2009 11:00:04 EST

When I balance my check book, I consistently have a favorable balance of $782. How long must I wait to roll this favorable balance back into my available balance...

Transferring Home with Home Equity Loan

editor@bankingquestions.com — Mon, 06 Jul 2009 10:00:03 EST

My mother-in-law recently passed away. The house is to be put in the names of her six children. There is a home equity loan of $11,000. Will this stop the transfer of the home ...

Account Blocked: What Happens to Direct Deposit?

editor@bankingquestions.com — Mon, 06 Jul 2009 09:00:21 EST

I have a block on my account. I was told by a branch manager that while a block is on the account no money can go in or out. What happens to my directly deposited paycheck...

Wait 45 Days to Access Account of Deceased: Why?

editor@bankingquestions.com — Mon, 06 Jul 2009 08:00:35 EST

I am the beneficiary of my father's bank account. He passed away two weeks ago. I turned in the proper forms to get the money out and close the account, but they stated I had to wait 45 days ...

About Using Debit Card of the Deceased

editor@bankingquestions.com — Fri, 03 Jul 2009 14:00:02 EST

I have an account with someone who recently passed away. He did not have insurance and we are not married. Can the bank put a lock on this account...

Safe Deposit Box Keys

editor@bankingquestions.com — Fri, 03 Jul 2009 13:00:02 EST

Are there different shapes and sizes of safe deposit box keys...

In your Mailbox: Scam from Indonesia

editor@bankingquestions.com — Fri, 03 Jul 2009 12:00:03 EST

I received a letter saying that a person wants to do a business and was told that he will be transfering money through wire transfer. He showed me an account in my name. Shall I believe ...

Credit Card Problems: Open Another Elsewhere?

editor@bankingquestions.com — Fri, 03 Jul 2009 11:00:05 EST

If one has a financial problem with a credit card company and is afraid of them freezing a bank account, is it a good idea to find an account in another state...

Paying Bills When Bank Cancels Direct Debits

editor@bankingquestions.com — Fri, 03 Jul 2009 10:00:15 EST

I'm having a few money problems and two direct debits have failed. Now my bank has cancelled all my direct debits. How do I pay my bills...

Co-signer Needed for Length of Loan?

editor@bankingquestions.com — Fri, 03 Jul 2009 09:00:35 EST

If someone co-signs on a house, does that person have to stay on the loan the whole time or can they get off when my credit is good enough...

Time for a Debit/Credit Card Refund

editor@bankingquestions.com — Fri, 03 Jul 2009 08:00:33 EST

How long does a refund on a debit/check card take to process? If I do a return at a store on Monday, should I expect my money to be returned Tuesday...

Direct Deposit to Account Doesn't Show

editor@bankingquestions.com — Thu, 02 Jul 2009 14:00:07 EST

Disability living allowance paid money into my bank yesterday. When will it show in my account...

A Hold After the Check Clears?

editor@bankingquestions.com — Thu, 02 Jul 2009 13:00:03 EST

Can a bank put a hold on funds for lack of endorsement after an insurance check has already cleared? The check has been cleared for three months and funds are just sitting in my account with a hold. The bank ...

Bad Info and Stops that Didn't Stop = BIG Mess

editor@bankingquestions.com — Thu, 02 Jul 2009 12:00:07 EST

I had several stop payments issued on some ACH debits. My bank said that the name and amounts had to be exact. I asked what was to stop the companies from changing the amounts later, and was told that once the initial stop payment was blocked, ...

Do Cashier's Checks Expire?

editor@bankingquestions.com — Thu, 02 Jul 2009 11:00:02 EST

I have a cashier's check from April 2008, is this expired...

About Using Debit Card of the Deceased

editor@bankingquestions.com — Thu, 02 Jul 2009 10:00:01 EST

Can I access my deceased mother's account by using her PIN to her debit card that she shared with me? Do I have to go through probate court...

Explaining Responsibility of Joint Account Owner

editor@bankingquestions.com — Thu, 02 Jul 2009 09:00:01 EST

My son is the co-owner of a savings account. What responsibility will he have if something happens to me...

Making a Stop Payment on a Cleared Check

editor@bankingquestions.com — Thu, 02 Jul 2009 08:00:01 EST

Can a company make a stop payment on a check that has already cleared...

Joint Account Activity: Is this Fraud?

editor@bankingquestions.com — Wed, 01 Jul 2009 14:00:02 EST

A joint account was closed by one party, then later reopened by the other party who ran joint checks through it: depositing and withdrawing the same day. Is something wrong with this picture...

Scam Victim Wants to Know the Law

editor@bankingquestions.com — Wed, 01 Jul 2009 13:00:04 EST

I am a victim of a scam. I endorsed a check, and the bank told me it was free and clear, and funds available. I gained no benefit. The money was sent to another country. What law...

Online Transfer: When Can I Withdraw?

editor@bankingquestions.com — Wed, 01 Jul 2009 12:00:04 EST

I just transfered money into my account online after hours. Will it be OK to withdraw...

Credit Card Problem because of Joint Account

editor@bankingquestions.com — Wed, 01 Jul 2009 11:00:02 EST

My father got a credit card with the bank and used it as overdraft protection for our joint account. I never signed for it, but my dad put it in both of our names. He racked up a large amount on it, and the bank says that I am liable for the debt now that my father is dead...

Banks Returns Check to IRS, Not Me, Why?

editor@bankingquestions.com — Wed, 01 Jul 2009 10:00:07 EST

I deposited a joint federal income tax refund check for my husband and I into my account, which does not have my husband's name on it, through the ATM we both signed. The bank said that they are sending check back to the IRS, not us. Is that legal...

How to Get Next Day Funds Availability

editor@bankingquestions.com — Wed, 01 Jul 2009 09:00:01 EST

I opened an account and it has been just over thirty days since then. Can I deposit a check and get next day funds available if the check is out of state and my account was negative...

Husband Gets Loan on Wife's SSN: Can I Sue?

editor@bankingquestions.com — Wed, 01 Jul 2009 08:00:11 EST

My husband took out an unsecured loan at a local bank branch, using my social security number without my knowledge. I was later sent a promissory note which I did not sign. Now the bank has a collection agency...

Cashing Warranty Check of the Deceased

editor@bankingquestions.com — Tue, 30 Jun 2009 14:00:05 EST

I have a check for $250 from my dad's car warranty policy made out to him since the warranty was in his name. I can't cash it because he is deceased, and they won't reissue it under my name. Where can I cash it...

Why Do I Need a Testamentary?

editor@bankingquestions.com — Tue, 30 Jun 2009 14:00:03 EST

Why does a personal representative of an estate need Letters Testamentary to open an account...

Debit Card Problem

editor@bankingquestions.com — Tue, 30 Jun 2009 12:00:03 EST

In the last month, I received a massive amount of emails asking me to supply a new source of payment because my debit card had expired. Since I no longer wanted the service, I did nothing. I saw the pending amount charged ...

How Does Subpoena on Checking Account Work?

editor@bankingquestions.com — Tue, 30 Jun 2009 11:00:01 EST

I have just received a subpoena regarding my checking account. Will my bank contact me about this subpoena before they do the research or after...

Husband Leaves 'Note' about CD: Legal?

editor@bankingquestions.com — Tue, 30 Jun 2009 09:00:23 EST

My husband was named POD beneficiary on his mother's CD in 2004. Shortly after the account was opened, she wrote a notarized memo naming my husband as the primary account owner with full access to the account. He passed away recently leaving only a handwritten, undated and unnotarized note saying ...

Bank Cashes Check in Error; Takes No Responsibility

editor@bankingquestions.com — Tue, 30 Jun 2009 09:00:23 EST

The IRS sent a refund check to my ex-husband for an amended return. The check was made out to my ex-husband and me, with "and" between our names. He deposited it without my signature. The bank apologized for their error, but will do nothing...

Why can't I get a loan on my equity?

editor@bankingquestions.com — Tue, 30 Jun 2009 08:00:12 EST

I own my home, it is worth 194,000, and is paid for in full. I owe $40,000, and nobody will give me a loan to pay off my debts because my credit is bad, why...

Two IRAs in One Bank - OK?

editor@bankingquestions.com — Mon, 29 Jun 2009 14:00:02 EST

We have three accounts (checking, mutual fund and my IRA) all at one bank. My husband wants to roll over his IRA from work. Would it be safer ...

Bank Debits Account for Bill Pay before Date

editor@bankingquestions.com — Mon, 29 Jun 2009 13:00:05 EST

Can your bank withdraw monthly meeting payments from your account without your authorization? The payments were not due yet...

Counting the Days of a Hold

editor@bankingquestions.com — Mon, 29 Jun 2009 12:00:01 EST

When the bank places a five day hold on a large check, does the business day that you deposited count as part of those five business days...

Fee to 'Process Endorsement'?

editor@bankingquestions.com — Mon, 29 Jun 2009 11:00:03 EST

Our insurance company issued us a check made out to my husband and myself and the mortgage holder. We called the mortgage holder and asked how to handle it. We were told to send the check, all claim information and a personal check for $34 to process the endorsement. I have never heard of...

Tellers and the Patriot Act

editor@bankingquestions.com — Mon, 29 Jun 2009 10:00:03 EST

When cashing a non-personal check at a bank that I have dealt with for over 20 years, the teller requested my drivers licence and SSN, and then wrote them on the back of the check, referring to the requirements of the Patriot Act, but...

Employer Gets Fee When Employees Cash Checks?

editor@bankingquestions.com — Mon, 29 Jun 2009 09:00:03 EST

My employer says they are charged fees when some employees get their payroll check Thursday after 3:00 pm and cash it even though it is dated for Friday. Is this valid...

Getting a Vehicle Financed after an Accident

editor@bankingquestions.com — Mon, 29 Jun 2009 08:00:06 EST

My fiance was in a multi-vehicle accident; a drunk driver hit him. The drunk driver's insurance is paying half of the loan off and our GAP insurance hopefully is picking up the rest. Is it safe to go ahead and get another vehicle financed...

Must Deposit, Not Cash, to be Safe

editor@bankingquestions.com — Fri, 26 Jun 2009 14:00:03 EST

I have been told that if I cash a check against my checking account without depositing it, that transaction is traceable if the IRS suspects you of not reporting that check as income. Is this a true assessment...

Can Wife Deposit Joint Check into Her Account?

editor@bankingquestions.com — Fri, 26 Jun 2009 13:00:03 EST

My wife and I are separated. An insurance check for $4200 was issued in both our names. She deposited it into her bank account without my signature. Are banks allowed to do that...

Husband Changes Joint CD to Personal: Legal?

editor@bankingquestions.com — Fri, 26 Jun 2009 12:00:03 EST

I own a joint CD with my husband, which required both of our signatures to open and rollover every six months. He has now closed the account and transfered all funds into a personal account. Is this legal...

Check Written Under Duress Starts Problems

editor@bankingquestions.com — Fri, 26 Jun 2009 10:00:06 EST

I wrote a check from a business to a business. This was done under threat of physical harm. I immediately called my bank and placed a stop payment on it. The other business cashed it. Is it appropriate for my bank ...

Is Husband an Automatic Beneficiary?

editor@bankingquestions.com — Fri, 26 Jun 2009 10:00:06 EST

I have a joint checking account with my mother. She is married, but not living with my father. When she dies and the account becomes mine, does my father have any rights to it...

Cashier's Check Not Endorsed; Bank Cashed

editor@bankingquestions.com — Fri, 26 Jun 2009 09:00:04 EST

Can a bank get into trouble for cashing a cashier's check they issued to a dealership and myself if I did not sign it...

Linking My Problems to Fiancee's Account

editor@bankingquestions.com — Fri, 26 Jun 2009 08:00:09 EST

My fiancee has a checking account, and perfect credit. I have some bad credit, including a few judgments. We were thinking of trying to add my name to her existing account. Can they clean out a joint account...

Closed Business Accounts and Holds on Money

editor@bankingquestions.com — Thu, 25 Jun 2009 14:00:04 EST

My bank decided to close my business account without notice, and put a closing date on it for a month later. On that day, they delayed it another month, and are still holding a very large amount of the money. How long can they keep our money...

Landlady Passes Away before Depositing Checks

editor@bankingquestions.com — Thu, 25 Jun 2009 13:00:02 EST

My husband and I are in the process of applying for a mortgage and our landlady passed away without depositing the last two month's checks. Is there any way to get these checks deposited ...

Custodial Account is Closed: What Now?

editor@bankingquestions.com — Thu, 25 Jun 2009 12:00:05 EST

What happens when a bank closes a custodial savings account? Does the adult or the child get penalized, since both SSNs were taken when the account was first opened...

Bank Closes Accounts: No Warning, No Explanation

editor@bankingquestions.com — Thu, 25 Jun 2009 12:00:03 EST

My bank sent me a letter saying my business and personal checking accounts are being closed. Both accounts are very active and I've never had bad checks or any problems. I was alarmed and called them to ask why this is happening and they refused to tell me...

Wants to Remove Name from Joint Account

editor@bankingquestions.com — Thu, 25 Jun 2009 10:00:10 EST

A joint account was closed by one party, then later reopened by the other party who ran joint checks through it: depositing and withdrawing the same day. Is something wrong with this picture...

Why Was My Account Closed?

editor@bankingquestions.com — Thu, 25 Jun 2009 09:00:03 EST

I would like to know why a bank would close my account. It said it had something to do with business, but would not tell me why...

Paying Off Charge-off

editor@bankingquestions.com — Thu, 25 Jun 2009 08:00:03 EST

When an account charges off in overdraft, what happens if someone can not pay it all at once...

To Whom can Account Details be Released?

editor@bankingquestions.com — Wed, 24 Jun 2009 15:00:00 EST

Is it possible for my bank to release my account details, e.g statements, to any person other than the police...

Check Mailed, Intercepted and Cashed

editor@bankingquestions.com — Wed, 24 Jun 2009 15:00:00 EST

I received a check from a woman who had damaged my car. I endorsed it "for deposit to" my account number and mailed it to my bank. It never made it. It was cashed and ...

Account Not Really Closed: Now Has Fees

Wed, 24 Jun 2009 11:44:00 EST

I closed my acoount; the teller told me it was closed and gave me the remaining money in it. A couple of weeks later I logged onto to my online banking and found that it wasn't. What happens if I choose not ...

What Does 'Share in the losses' Mean?

editor@bankingquestions.com — Wed, 24 Jun 2009 11:00:28 EST

When you say the bank should "share in the losses" if victim failed to report in a timely fashion, what does that mean? Our bank is offering to reimburse us $1100 out of $25,000 that was forged from our account. Is there ...

Trying to Send Deposit to Friend's Account

editor@bankingquestions.com — Wed, 24 Jun 2009 10:00:24 EST

I need to deposit some cash in my friend's account which is located in Louisiana. I am in Houston, Texas. Can I transfer cash from a branch in Houston to her account in Louisiana...

Cannot Open New Business Checking Account

editor@bankingquestions.com — Wed, 24 Jun 2009 09:00:30 EST

I tried to open a new business checking account under a new corporation. I have an unpaid loan with another bank under an old corporation business loan. The new bank said ...

Making a Large Cash Deposit

editor@bankingquestions.com — Wed, 24 Jun 2009 08:00:18 EST

What is the policy for depositing a very large sum of cash into my account...

About Credit Card Presentments and NSFs

editor@bankingquestions.com — Tue, 23 Jun 2009 14:00:01 EST

Although my credit card sales are shown in online banking, the presentments, according to the bank manager, are recorded first and therefore the NSFs happen. When I asked why, I was told...

Check Has Been Bouncing for Two Years

editor@bankingquestions.com — Tue, 23 Jun 2009 13:00:01 EST

I had a home business in 2007, and accepted a personal check for $217.53. It was returned NSF. I went to the bank every month for six months, but there was never enough money to cover it. It is nearly two years old...

Spear-Phished - What Now?

editor@bankingquestions.com — Tue, 23 Jun 2009 12:00:02 EST

I was recently "spear phished" out of $2500.00 by a third party who used eBay as a cover for the transaction. Is there any way for me to recoup the money ...

Old Beneficiary Checks Found: What to do?

editor@bankingquestions.com — Tue, 23 Jun 2009 11:00:02 EST

My wife cashed her beneficiary check at once, but her brother misplaced his and just found it as he was going through boxes of old files and memorablia. The check was dated in early 1999, and the bank said...

Can Fixed Rate and Per Diem Go Together?

editor@bankingquestions.com — Tue, 23 Jun 2009 10:00:01 EST

Can I have a fixed rate of interest and a per diem on a HELOC...

Too Many Heads in the Corporate Kitchen

editor@bankingquestions.com — Tue, 23 Jun 2009 09:00:07 EST

I have a corporation checking account. I discovered that another account in the same bank was opened in the corporation's name. I requested that the account to be closed. The bank refused ...

How to Cash a Joint Check

editor@bankingquestions.com — Tue, 23 Jun 2009 08:00:06 EST

My husband and I need to cash our tax refund check. He can't be there to endorse it, because he works during the day. What do I do...

About a Returned Check

editor@bankingquestions.com — Mon, 22 Jun 2009 14:00:02 EST

How does a returned check work? Will it be mailed back to me or to the person to whom I made payment...

Debit Card Purchase Not Processed

editor@bankingquestions.com — Mon, 22 Jun 2009 13:00:09 EST

I made a debit purchase on 3/27/09 and it still has not come out of my account. How long do I wait before I do something about this...

Premature Charges for Overdraft?

editor@bankingquestions.com — Mon, 22 Jun 2009 12:00:09 EST

I made a mistake with a date a direct debit went out of my account. It caused me to overdraft. I recognised the mistake and made a cash deposit on the same day. They charged me a fee, are they right ...

How to Get a Joint Savings Account

editor@bankingquestions.com — Mon, 22 Jun 2009 11:00:20 EST

What is required to have a joint savings account...

Completing a Telephone Draft

editor@bankingquestions.com — Mon, 22 Jun 2009 10:01:03 EST

Can I complete a telephone draft from my bank into another person's account or must that person complete the process for himself...

Bank Delays Check Release; Big Problems for Me!

editor@bankingquestions.com — Mon, 22 Jun 2009 09:00:41 EST

Can a bank legally force payment of overdraft charges on an account they closed, while delaying a land payment which would have prevented the overdrafts...

Tax on Totten Trust?

editor@bankingquestions.com — Mon, 22 Jun 2009 08:00:22 EST

s a Totten Trust taxable in Illinois (federal or state)...

Lost 'Cashier's Check': What to do?

editor@bankingquestions.com — Fri, 19 Jun 2009 14:00:10 EST

I lost a large cashier's check that was made payable to a company to whom I was going to FedEx it. What can I do? Can someone cash this check even with another name on it and ...

Account for Incapacitated Individual

editor@bankingquestions.com — Fri, 19 Jun 2009 13:00:06 EST

My seventeen year old son was just approved to receive SSI. We received the first check made payable to me for him. The bank says we have to open a separate account titled with my name for my son...

Bank Cashes Check without Bank's Signature!

editor@bankingquestions.com — Fri, 19 Jun 2009 12:00:06 EST

I purchased an vehicle from a person and the title had a lien on it. I gave a cashier's check to the seller payable to John Doe and Suntrust Bank in full payment. John Doe cashed the check at a teller window and forged the signature of Suntrust Bank. The teller gave John Doe cash...

Do Siblings Inherit My CDs?

editor@bankingquestions.com — Fri, 19 Jun 2009 11:00:02 EST

I own a CD, and have my mother's name listed on it. When my mother dies, do my siblings have any right to the CDs...

New York's Exempt Income Protection Act

editor@bankingquestions.com — Fri, 19 Jun 2009 10:00:15 EST

Can you tell me about the Exempt Income Protection Act...

Status of Mortgage and Home after Death of Owner

editor@bankingquestions.com — Fri, 19 Jun 2009 09:00:46 EST

What happens to the mortgage and home after the death of homeowner...

What to do When Purse is Stolen

editor@bankingquestions.com — Fri, 19 Jun 2009 08:00:14 EST

My savings account book and money in my purse was stolen. What do I need to do about it...

Opening Account with Personal Check

editor@bankingquestions.com — Thu, 18 Jun 2009 14:00:02 EST

When opening a new checking account, would most major banks such as Chase, BoA, Wells Fargo, etc., allow me to use personal checks written to me as a initial deposit...

Cashier's Check Intercepted by Government and Held

editor@bankingquestions.com — Thu, 18 Jun 2009 13:00:07 EST

I sent a cashier's check to ASD. It was taken over by the federal government before it was cashed. The bank had a stop on it. The bank is still holding the money...

Where is My Money when I Want It?

editor@bankingquestions.com — Thu, 18 Jun 2009 12:00:01 EST

If a bank uses the money I deposit to lend out, how can they ensure that when I want to withdraw my money, it's there to withdraw...

Forwarding Made Check Late: Can I Deposit?

editor@bankingquestions.com — Thu, 18 Jun 2009 11:00:11 EST

I received a check in the mail, forwarded from a previous address and it just got here. The date on the check is 3/25/09. The check says void after 60 days. Am I still able to deposit...

Is There Communication Between Banks?

editor@bankingquestions.com — Thu, 18 Jun 2009 10:00:38 EST

Do banks report to each other how much money is on deposit? Does Suntrust know that I have money in Regoins, if ....