The Best Reddit Posts About Banking

#1 “Senior Citizens Guarded my Cash for an Hour”

I withdrew $400 from a bank lobby/foyer ATM, grabbed my card and receipt and forgot the cash. Drove to a restaurant and ate, pulled out my wallet to pay and I didn’t have any cash. OMG, I left it in the machine! I drove back right away and rushed to the ATM. There were 5 or 6 senior citizens just kind of milling around. I stupidly walked up to the ATM (as if the cash would be there an hour later) and just stared at the empty dispenser knowing there was no way I would be able to get it back. Then one of the seniors said, “Forget something?” I looked up and said, “Have you seen my $400?” they all started smiling and one said, “See? I told you he would be back!” and handed me my cash. They all seemed very happy that they spent an hour hanging out waiting for me to come back. Restored my faith in humanity.

• • Summary: Here’s a story that’s more heart than hard cash. A Redditor tells us about the time they withdrew $400, got distracted, and left the dough at the ATM. They came back an hour later, figuring the money was history, but found a group of senior citizens who’d been guarding it the whole time.
  • Popularity Reason: This post blew up because it’s a feel-good bomb in the usual finance talk. It’s not every day you hear about people stepping up like this, especially in a banking setting where you’d expect stories about fraud or tech glitches. Plus, it’s a solid reminder that, in a world obsessed with digitizing every penny, good old-fashioned human honesty still counts.
  • Community Response: The comments section turned into a feel-good fest real quick. Users chimed in with their own tales of people being decent humans and talked up the seniors’ awesome move. The thread basically became a virtual high-five for trust and goodness in the world of ATMs and bank lobbies.

This post might seem off-track for a banking subreddit, but it hits right at the heart of what banking’s really about: people. Beyond the numbers and the tech, it’s stories like these that remind us banking’s a human thing too. It’s part of a bigger picture where personal experiences shed light on the more human side of banking. Sure, we talk interest rates and digital wallets all day, but at the end of it, banking’s about people and their stories.

#2 “Can a teller steal my money?”

I have a savings account for my 6 year old son. We’ve been saving money for him here and there. Recently I went to deposit money and there was a bunch of money gone from the account. 2000 x2 and then another 1,600. It stated that I had been in and withdrew the money. I know I didn’t. So can they falsely withdraw money? Will I get my money back?

The bank has started an investigation to see since the same teller was assigned to all my “transactions”.

Update: I filed a police report, contacted the fraud department and they are now investigating it. The account is frozen and now I guess I have to wait. I chose not to visit the branch just incase the teller is there and they actually have something to do with the fraud. I don’t want to expose myself to them. I’m going to wait a little bit and then figure out what the f— has happened to the funds and plan on pressing charges. I will post an update as soon as I hear back from the bank.

Thank you to all who provided personal experiences, bank workers and customers alike. I hope all the people who were robbed get their money back and get the Justice they deserve. And thanks to the present or former bank personnel who’ve seen this happen at the bank. It made me feel like it wasn’t alone and that there’s light at the end of all this b—s—.

• Summary: A Redditor shared a real financial nightmare. They’ve been saving up for their kid, only to find chunks of money – to the tune of $4,600 – missing from the account. The twist? The bank records showed it was them making the withdrawals. Spoiler: It wasn’t. So, they’re asking if a bank teller can pull off such a scam.
• Popularity Reason: This post got the community buzzing because it’s everyone’s worst banking fear: unauthorized access to your funds. It’s a reminder that even with all the security, things can go sideways. Plus, it’s got all the makings of a bank thriller – missing money, potential inside job, a dash of detective work.
• Community Response: The comments section lit up like a Christmas tree. People from all banking walks of life jumped in – those who’ve been in the poster’s shoes, bank workers dishing out inside info, and others just there for moral support. It turned into a mini-forum on banking security, fraud detection, and customer rights.

Posts like this highlight a critical aspect of banking often left out of the glossy brochures: security breaches and fraud. It brings out the community’s collective wisdom on dealing with banking fraud, something that’s super relevant in an age where digital banking is king but so are digital thieves. This thread is a goldmine of real-life experiences and professional advice, showing that /r/banking isn’t just about interest rates and loan advice – it’s also a support group for when the banking system gets a bit too real.

#3 “Made $24,000 payment instead of $240.00”

Dumb question incoming –

I made a $240.00 payment on my car loan several days ago from my Chase checking.

A couple days later I check, and I must have fat fingered it to $24K instead. Making my car loan balance $0.

I called Chase and the lady said she would put in a “Stop Payment” which would charge me $30; however, my lienholder is still showing my balance is paid and is $0 with nothing due.

Wondering what would be my next step here in terms of getting this resolved before I’m screwed with 2 payments due – thank you!

• Summary: Ever hit the wrong key and regret it? That’s what happened to a user who intended to make a $240.00 car loan payment but accidentally typed $24,000 instead. Cue the panic when they realized their car loan showed a $0 balance, and their checking account was lighter by a few grand.
• Popularity Reason: This post turned heads because it’s a classic ‘oh no’ moment we can all relate to in some way. It’s not just the sheer size of the mistake, but it’s in the realm of online banking blunders where one wrong digit can mean big trouble. Plus, it sparked a lot of chatter about how to handle such a fiasco.
• Community Response: The comment section became an instant advice column. Users dived in with tips, similar horror stories, and some legal and practical advice about dealing with banks and accidental large payments. There was a mix of sympathy, facepalms, and some solid guidance.

While it might seem like a one-off mistake, this post actually taps into a larger theme: the pitfalls of digital banking and the human errors that can complicate financial management. It’s a reminder of how a simple error can lead to a cascade of financial and administrative headaches. This thread reinforces the idea that banking, despite being digitized and automated, still heavily relies on careful human interaction and oversight.

#4 “Sold a used car and the buyer placed a stop order on the cashiers check”

The facts:

I live in California an as-is state, meaning that all car sales are “buyer beware” and there are no warranties between private sellers. Further, I explicitly wrote AS IS on the bill of sale we both signed. Further I provided a valid smog.

I sold a used car two days ago

The car was sold in front of my bank

I received a cashiers check and a small amount of cash (total around $15,000)

I have a bill of sale stating that the car was to be purchased using a cashiers check.

The bill of sale explicitly states that the car is to be sold and paid for using a cashiers check for the specified amount.

I have a photo of his identification

I deposited the cashiers check into my banks ATM within 5 minutes of signing the bill of sale, and transferring the title.

I have released liability of the vehicle.

I was given service records by the previous owner for the car

His claim:

He claims the car is “a piece of s—” and he wants his money back

He claims that the car is misfiring

He claims the service records are fake

He is offering to drop the car at my house as long as I reimburse him

The juice:

The buyer issued a stop payment order on the cashiers check.

I deposited the check well before he issued the stop payment order.

I’m short $15,000 dollars and a car.

What is my recourse? I haven’t contacted him since he accused me. His last message to me was “Has your check deposited?” About 2 hours before I received a notice from my bank that the cashiers checks had gone from pending to stopped.

I am in a sh— spot

• Summary: Talk about a deal going south! A user sold their car, did everything by the book – signed bill of sale, cashier’s check in hand, and all formalities squared away. Then, out of the blue, the buyer labels the car a lemon and issues a stop payment on the cashier’s check, leaving our seller in the lurch: no car and no cash. The seller, having done everything correctly from a legal standpoint, is now grappling with a $15,000 loss and a whole lot of confusion about what to do next.
• Popularity Reason: This tale caught fire because it hits right in the mix of legal, financial, and ethical issues. It’s a stark reminder of the risks in private transactions and the limitations of what we think are fail-safe financial instruments, like cashier’s checks.
• Community Response: The comments section turned into a hotbed of legal debate, financial advice, and moral support. People poured in with suggestions ranging from immediate legal action to banking procedures, reflecting on the complexities and risks inherent in private sales and financial transactions.

This story isn’t just about a car sale gone wrong; it’s a window into the intricate interplay of finance, law, and trust in personal transactions. It underscores the vulnerabilities people face in transactions that, on the surface, seem secure and straightforward. The thread resonates with a broader theme often explored in the community: navigating the choppy waters of financial dealings where personal, legal, and banking realms collide, sometimes with unexpected consequences.

#5 My grandma opened a savings account with me when i was 7. Never went back?

When i was about 7 my grandma walked me over to the bank and opened a savings account in my name. I only remembered this recently. She has passed. It was 1997. I think it was US bank or Bank of America. But i opened a bank account at US bank when i was like 19 so it couldnt be that bank right? U think its just gone? Or would it still be there? I think she only put $100 in there that day. I donno if she put anything else. We just never talked about it again after that trip to the bank lol..

U think it still exists? Would it be worth a few hundred bucks now?

Thanks!

• Summary: Here’s a little trip down memory lane with a financial twist. A user recalls a childhood memory where their grandma helped them open a savings account. Fast forward to the present, and they’re wondering: is that account, opened way back in 1997 with about a hundred bucks, still around? They’re unsure if it was with US Bank or Bank of America, and they’re curious if it could’ve grown into a nice little nest egg.
• Popularity Reason: This post piqued interest because it’s a relatable mix of nostalgia and personal finance. It’s not just a quest for lost treasure, but it also touches on the mysteries of forgotten bank accounts and the curiosity about what becomes of money left to grow (or not) over decades.
• Community Response: The comments section lit up with advice on how to track down old accounts, anecdotes of similar experiences, and some finance 101 on what happens to dormant accounts. It was a blend of practical tips and user experiences, making the thread a mini-education on personal finance and banking procedures.

This story, while unique, taps into a common theme in personal finance: the long-forgotten accounts and the mysteries they hold. It reflects the broader interest in understanding the lifespan of financial decisions and the nuances of banking systems over time. The discussion underscores a key aspect of personal finance often overlooked: the importance of keeping track of all financial activities, no matter how small or long ago.