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I'm a banker AMA
noEsc
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Dec 29, 2021 03:22 PM
As title says im a banker i work with bank accounts, certificate of deposits, and credit cards. Im fairly knowldgeable on banking regulations and budgeting that may or maynot assist you all for your personal finance questions... ask me anything.

I of course will not give out customer info or name of where i work.
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Dec 29, 2021 03:23 PM
What's the most and least you've seen in an account?
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Dec 29, 2021 03:25 PM
(Dec 29, 2021 03:23 PM)Allelujah Wrote:  What's the most and least you've seen in an account?

most aggreate ive seen was ~23 million. most in a single account was ~10 mil.
least of course 0.00 unless you count negative accounts.. then negative ~20k.
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Dec 29, 2021 03:26 PM
(Dec 29, 2021 03:25 PM)noEsc Wrote:  most aggreate ive seen was ~23 million. most in a single account was ~10 mil.
least of course 0.00 unless you count negative accounts.. then negative ~20k.

Isn't that unsafe to keep that much liquid?
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Dec 29, 2021 03:27 PM (This post was last modified: Dec 29, 2021 03:29 PM by noEsc.)
(Dec 29, 2021 03:26 PM)Allelujah Wrote:  Isn't that unsafe to keep that much liquid?

definately... FDIC only insures up to so much but thats really only if the bank fails... which they wont because feds will always bail banks out.
but some rich people really dont care because they have more money in other places so they really dont give a shit. it pisses me off to be honest.

edit: unless you mean unsafe against fraud... but at that point it doesnt matter. bank is legally obligated to refund FRAUD per regulations. but even when fraud happens theres limits in play that stop that sort of thing.
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Dec 29, 2021 05:05 PM
(Dec 29, 2021 03:22 PM)noEsc Wrote:  As title says im a banker i work with bank accounts, certificate of deposits, and credit cards. Im fairly knowldgeable on banking regulations and budgeting that may or maynot assist you all for your personal finance questions... ask me anything.

I of course will not give out customer info or name of where i work.

do you get to see peoples names on their accounts? if so, what's the worst name you've seen?
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Dec 29, 2021 05:44 PM
(Dec 29, 2021 05:05 PM)Bumface Wrote:  do you get to see peoples names on their accounts? if so, what's the worst name you've seen?

Worst name? Don't think I can spell it but it was clearly a Nigerian prince.( Scammed a customer but gave us his info LOL)
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Dec 29, 2021 05:47 PM
(Dec 29, 2021 05:44 PM)noEsc Wrote:  Worst name? Don't think I can spell it but it was clearly a Nigerian prince.( Scammed a customer but gave us his info LOL)

Oh okay haha why would he scam tho ?!?
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Dec 29, 2021 08:14 PM
(Dec 29, 2021 05:47 PM)Bumface Wrote:  Oh okay haha why would he scam tho ?!?

It's a pretty common theme. I'ma Nigerian prince, need to sell some gold or whatever just need you to pay taxes or some shit. Bye bye money.
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Dec 30, 2021 10:41 AM
Have you ever been tempted to actually "steal" some money? I know that you can't just transfer to your own account (will be busted), but ofc you can do it in other ways.
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Dec 30, 2021 10:43 AM
Have you seen the new Spider-Man movie
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Dec 30, 2021 10:51 AM
(Dec 29, 2021 08:34 PM)Dyne Wrote:  I can't believe this sort of thing still works.


I have a question about Charitable Trust Funds, legally if the terms are set and your CTF pays out payroll and is donated Crypto Currency, it then sells that crypto currency it got as a donation, it has liquidity or assets. Even though its a NFP, would the payroll paying the sole trust fund holder required to be in the form of dividends? or would an avg payment over notes payable (acting like one, not actually one) course of time period be legal and unable to be taxed by federal regulation?

Do retail banks deal with CTF? or is it primarily law and protected accounts?
Most banks don't deal with trust stuff to that degree. We're only there really for paying out to the trust when account holders pass.

So if: accounts holders pass then we send check in name of trust for the bank account. But dividends and shit we don't handle really.
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Dec 30, 2021 10:59 AM
(Dec 30, 2021 10:41 AM)SIM-2756310 Wrote:  Have you ever been tempted to actually "steal" some money? I know that you can't just transfer to your own account (will be busted), but ofc you can do it in other ways.

Kind of. But honestly i would be busted so quick. There's so many fraud measures in place for internal fraud it's insane. I'd definitely love to see 15mil in my account but I also don't want to go to prison.
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Dec 30, 2021 11:09 AM
(Dec 30, 2021 10:59 AM)noEsc Wrote:  Kind of. But honestly i would be busted so quick. There's so many fraud measures in place for internal fraud it's insane. I'd definitely love to see 15mil in my account but I also don't want to go to prison.

Ever thought of using your position to "help" other criminal persons or organizations?
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Dec 30, 2021 11:14 AM (This post was last modified: Dec 30, 2021 11:15 AM by noEsc.)
(Dec 30, 2021 11:09 AM)SIM-2756310 Wrote:  Ever thought of using your position to "help" other criminal persons or organizations?

Considering internal fraud is pretty well protected no, but I'm also not really that type of person. I try my best to find loop holes and fix them and get them reported though. There are other things that I've reported that can cause damages.
(Dec 30, 2021 10:43 AM)cybr Wrote:  Have you seen the new Spider-Man movie

Yes it was pretty awesome.
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