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Hello everyone. Today we will analyze what ACH-transfers are, which are also commonly called ACH-fills, we will analyze how millions of dollars are poured into them by bad people, i.e. carders. There will be a lot of information, get ready for this in advance. I tried to cover the principle of operation of ACH, the most popular method of transfer, which is unlikely to ever go into oblivion, and I would like to tell you more about the US banking system. I tried to make this information more accessible for understanding by the average reader. It will be interesting. I will say right away that all subsequent narration is strictly educational in nature and food for thought, nothing more.
Let's begin. In the USA, a three-tier banking system operates:
Level 1 is occupied by the Federal Reserve System, including the Board of Governors, 12 regional federal banks, member banks and the Federal Open Market Committee.
The 2nd level is represented by commercial banks, ship savings associations and mutual savings banks, non-bank credit institutions and financial companies.
The 3rd level is formed by credit unions and mutual credit societies. The US Federal Reserve System, abbreviated as the Fed, is a decentralized structure with a diversification system of supervisory bodies that bear consolidated responsibility for the implementation of monetary policy, for the stability of financial markets and the sustainability of the banking system of the country itself.
US commercial banks carry out a variety of operations, from traditional lending to various investment operations. The main purpose of all ship savings associations and mutual savings banks is to provide mortgage loans for housing construction. US credit unions and mutual credit societies are cooperative credit organizations that issue consumer and mortgage loans at low interest rates. These are the only institutions in the country whose activities are not subject to taxes and can be licensed by state authorities.
At the very beginning, we will be interested in banks where you can apply to open a regular account. In the future, you can try other offices such as credit organizations, but it is better to do this based on what happens after understanding and registering accounts. No loans, mortgages, etc., just a regular application for opening an account.
The accounts themselves are different, but we are interested in two basic types - saving and checking. Saving - from the word "save" - a savings account. It is used to accumulate funds and withdraw when necessary, or after the expiration of the storage period, depending on the terms of the agreement. If it is signed when opening this type of account. Those who work with PayPal self-registrations like accounts with such accounts because, firstly, holders do not look at them too often, and, secondly, very often such accounts have decent amounts of money on the balance. Checking, in turn, is a current account for expenses related to everyday life, i.e. buying food, paying for utilities, renting a house and everything else. Often, or almost always, a plastic card holder is linked to a checking account on a bank account so that he can quickly transfer funds from the account to the card, and the card can be replenished from the online account of the bank account, or in other ways that are used in all other banks.
The method of replenishing a plastic card from a bank account is very simple. As a rule, this is a separate online access to the personal account of the plastic card, inside which the bank account-holder of the card is specified in the settings, and from it the transfer of money to the account of the plastic card, that is, to the card itself, is directly specified. In some banks, for example, Wells Fargo, the personal account combines accounts for cards, saving, checking and other accounts. Transfers in any direction are carried out within one personal account, which is very convenient, but there are organizations that have separate personal accounts, one for viewing data on a bank account, the other on a bank card account. These are the ones we need for work. Accounts with low activity or with a minimum balance are what will be used in the future to transfer money. But as in any barrel of honey, there is a fly in the ointment, with money transfers not everything is easy, you should always approach this issue very carefully, starting with the selection of documents under which the gasket account will be opened, to which the transfer will be carried out, ending with other little things, i.e. the frequency of the dedicated server, tunnel, number to indicate in the questionnaire, etc.
The set for work is standard:
1 - a clean tunnel or dedicated server (RDP).
2 - a set of scans of real US residents. I recommend looking for scans that are merged from the databases of US credit institutions. Even if a person was not given a loan, this does not mean that you can put a cross on him. After all, a credit history is much better than its complete absence. Keep in mind.
The absence of a credit history for an ordinary American is a rare phenomenon.
3 - a phone number to indicate in the questionnaire. We use the Google Voice number for several reasons. And the two most important are the ability to receive an SMS if necessary. And the ability to pass this number to the caller. A call with a substitution. In case of any problems with the account.
4 - an email address. The login in the mail must consist of an abbreviation of the first and last name.
5 - you need to save cookies in the browser. This is as important as cookies in PayPal. Show the bank that we are real people who are interested in seeing what and how is arranged in the bank's personal account and save the account login history, of course. You can use a portable version of Mozilla Firefox. You can use antidetect. Here, everyone has their own way.
So, when we are fully equipped and ready to attack, we just need to choose the destination Point A. The bank, the account in which we will use as a gasket for the transfer of almost our money. It is worth choosing an organization that will have several subsidiary banks within itself. This can be understood when you open two different bank websites and they have almost the same design. The reluctance to change the general style of the design will give away the fact of cooperation between these organizations. Large banks buy up small organizations to expand their presence in the country. They change the name, logo, but not the general design. And the style of the design remains the same. One example of the merger of two organizations is JP Morgan and Chase Bank JP Morgan is one of the oldest investment institutions in the United States. Chase is a bank that has managed to absorb a number of US banks over the course of its century of existence. At the beginning of the 21st century, the two organizations merged and became JP Morgan Chase & Co. This organization continues to buy up smaller financial institutions, but we are not interested in Chase Bank. We are interested in organizations that will require the minimum necessary and available to us, respectively, set of documents. And the amendment is any old bank. To understand whether this or that bank will suit us or not, just look at the site. Banks in which the videos live for six months, where you can find plastic card accounts of deceased Americans, forgotten accounts, etc.
When opening any account, saving or checking, an account number and a routing number are assigned to the account. The account number, as the name suggests, is the account number. The route number is the number of the bank branch to which the account belongs. You can learn more about certain carding terms by reading the topic "Carding Terminology". That is, if there are two saving or checking accounts on a bank account, each of them will have its own unique account number and the same or different route numbers. After all, they were opened in the same bank branch. We will need a saving account, because one of the oldest and most likely scenarios is to make a PayPal self-registration using the data we used to make a self-registration at the bank. Download it and, when the self-registration is fully mature, link our experimental bank self-registration account to it. There are many reasons for this, but the most important of them is the presence of scans of the holder's documents.
What do we have in the end?
1 - this is a bank self-registration with money in the account.
2 - this is a PayPal self-registration, already pumped up and ready for a deposit from a bank account in the future.
3 - this is a scan of documents, so that in case of force majeure, and PayPal sometimes has them at the end of the month, for example. They could be loaded into Paypal and gain more trust from the payment system. All that remains is a small matter. Pump up our PayPal self-registration. At the right moment, link the bank self-registration to it and begin to gradually deposit money from the account. Your attention should be focused on the gradualness and measuredness of actions. No crazy first deposits of $100-200. Everything should be similar to the actions of a real American, the owner of all the accounts. And now a few words about replenishing the bank self-registration. The main way to transfer money between banks, and the most famous, is ACH transfer. Some organizations have their own types of transfer systems. Wells Fargo has WF TruePay, Chase has QuickPay. They are most often used to transfer funds within the bank. To accounts opened in the same organization.
ACH is an electronic network for financial transactions in the United States. Its purpose is fast settlements between bank accounts in various combinations between individuals and legal entities. For individuals, ACH is a very useful system. In the personal accounts of banks, you can set up a schedule for paying mortgages or other loans, and the money will be transferred strictly according to the schedule. Legal entities can, according to the account data, make fast settlements between their suppliers, pay salaries, and also make direct transfers to other accounts. For us, ACH is a system through which we will make a transfer from one bank to another. And this is a system that will never die. And if the information turned out to be useful to you, let me know so that I myself understand whether it is worth writing such voluminous informative articles on our topic in the future. I am not saying goodbye.
Let's begin. In the USA, a three-tier banking system operates:
Level 1 is occupied by the Federal Reserve System, including the Board of Governors, 12 regional federal banks, member banks and the Federal Open Market Committee.
The 2nd level is represented by commercial banks, ship savings associations and mutual savings banks, non-bank credit institutions and financial companies.
The 3rd level is formed by credit unions and mutual credit societies. The US Federal Reserve System, abbreviated as the Fed, is a decentralized structure with a diversification system of supervisory bodies that bear consolidated responsibility for the implementation of monetary policy, for the stability of financial markets and the sustainability of the banking system of the country itself.
US commercial banks carry out a variety of operations, from traditional lending to various investment operations. The main purpose of all ship savings associations and mutual savings banks is to provide mortgage loans for housing construction. US credit unions and mutual credit societies are cooperative credit organizations that issue consumer and mortgage loans at low interest rates. These are the only institutions in the country whose activities are not subject to taxes and can be licensed by state authorities.
At the very beginning, we will be interested in banks where you can apply to open a regular account. In the future, you can try other offices such as credit organizations, but it is better to do this based on what happens after understanding and registering accounts. No loans, mortgages, etc., just a regular application for opening an account.
The accounts themselves are different, but we are interested in two basic types - saving and checking. Saving - from the word "save" - a savings account. It is used to accumulate funds and withdraw when necessary, or after the expiration of the storage period, depending on the terms of the agreement. If it is signed when opening this type of account. Those who work with PayPal self-registrations like accounts with such accounts because, firstly, holders do not look at them too often, and, secondly, very often such accounts have decent amounts of money on the balance. Checking, in turn, is a current account for expenses related to everyday life, i.e. buying food, paying for utilities, renting a house and everything else. Often, or almost always, a plastic card holder is linked to a checking account on a bank account so that he can quickly transfer funds from the account to the card, and the card can be replenished from the online account of the bank account, or in other ways that are used in all other banks.
The method of replenishing a plastic card from a bank account is very simple. As a rule, this is a separate online access to the personal account of the plastic card, inside which the bank account-holder of the card is specified in the settings, and from it the transfer of money to the account of the plastic card, that is, to the card itself, is directly specified. In some banks, for example, Wells Fargo, the personal account combines accounts for cards, saving, checking and other accounts. Transfers in any direction are carried out within one personal account, which is very convenient, but there are organizations that have separate personal accounts, one for viewing data on a bank account, the other on a bank card account. These are the ones we need for work. Accounts with low activity or with a minimum balance are what will be used in the future to transfer money. But as in any barrel of honey, there is a fly in the ointment, with money transfers not everything is easy, you should always approach this issue very carefully, starting with the selection of documents under which the gasket account will be opened, to which the transfer will be carried out, ending with other little things, i.e. the frequency of the dedicated server, tunnel, number to indicate in the questionnaire, etc.
The set for work is standard:
1 - a clean tunnel or dedicated server (RDP).
2 - a set of scans of real US residents. I recommend looking for scans that are merged from the databases of US credit institutions. Even if a person was not given a loan, this does not mean that you can put a cross on him. After all, a credit history is much better than its complete absence. Keep in mind.
The absence of a credit history for an ordinary American is a rare phenomenon.
3 - a phone number to indicate in the questionnaire. We use the Google Voice number for several reasons. And the two most important are the ability to receive an SMS if necessary. And the ability to pass this number to the caller. A call with a substitution. In case of any problems with the account.
4 - an email address. The login in the mail must consist of an abbreviation of the first and last name.
5 - you need to save cookies in the browser. This is as important as cookies in PayPal. Show the bank that we are real people who are interested in seeing what and how is arranged in the bank's personal account and save the account login history, of course. You can use a portable version of Mozilla Firefox. You can use antidetect. Here, everyone has their own way.
So, when we are fully equipped and ready to attack, we just need to choose the destination Point A. The bank, the account in which we will use as a gasket for the transfer of almost our money. It is worth choosing an organization that will have several subsidiary banks within itself. This can be understood when you open two different bank websites and they have almost the same design. The reluctance to change the general style of the design will give away the fact of cooperation between these organizations. Large banks buy up small organizations to expand their presence in the country. They change the name, logo, but not the general design. And the style of the design remains the same. One example of the merger of two organizations is JP Morgan and Chase Bank JP Morgan is one of the oldest investment institutions in the United States. Chase is a bank that has managed to absorb a number of US banks over the course of its century of existence. At the beginning of the 21st century, the two organizations merged and became JP Morgan Chase & Co. This organization continues to buy up smaller financial institutions, but we are not interested in Chase Bank. We are interested in organizations that will require the minimum necessary and available to us, respectively, set of documents. And the amendment is any old bank. To understand whether this or that bank will suit us or not, just look at the site. Banks in which the videos live for six months, where you can find plastic card accounts of deceased Americans, forgotten accounts, etc.
When opening any account, saving or checking, an account number and a routing number are assigned to the account. The account number, as the name suggests, is the account number. The route number is the number of the bank branch to which the account belongs. You can learn more about certain carding terms by reading the topic "Carding Terminology". That is, if there are two saving or checking accounts on a bank account, each of them will have its own unique account number and the same or different route numbers. After all, they were opened in the same bank branch. We will need a saving account, because one of the oldest and most likely scenarios is to make a PayPal self-registration using the data we used to make a self-registration at the bank. Download it and, when the self-registration is fully mature, link our experimental bank self-registration account to it. There are many reasons for this, but the most important of them is the presence of scans of the holder's documents.
What do we have in the end?
1 - this is a bank self-registration with money in the account.
2 - this is a PayPal self-registration, already pumped up and ready for a deposit from a bank account in the future.
3 - this is a scan of documents, so that in case of force majeure, and PayPal sometimes has them at the end of the month, for example. They could be loaded into Paypal and gain more trust from the payment system. All that remains is a small matter. Pump up our PayPal self-registration. At the right moment, link the bank self-registration to it and begin to gradually deposit money from the account. Your attention should be focused on the gradualness and measuredness of actions. No crazy first deposits of $100-200. Everything should be similar to the actions of a real American, the owner of all the accounts. And now a few words about replenishing the bank self-registration. The main way to transfer money between banks, and the most famous, is ACH transfer. Some organizations have their own types of transfer systems. Wells Fargo has WF TruePay, Chase has QuickPay. They are most often used to transfer funds within the bank. To accounts opened in the same organization.
ACH is an electronic network for financial transactions in the United States. Its purpose is fast settlements between bank accounts in various combinations between individuals and legal entities. For individuals, ACH is a very useful system. In the personal accounts of banks, you can set up a schedule for paying mortgages or other loans, and the money will be transferred strictly according to the schedule. Legal entities can, according to the account data, make fast settlements between their suppliers, pay salaries, and also make direct transfers to other accounts. For us, ACH is a system through which we will make a transfer from one bank to another. And this is a system that will never die. And if the information turned out to be useful to you, let me know so that I myself understand whether it is worth writing such voluminous informative articles on our topic in the future. I am not saying goodbye.
ass bundle, we cannot always go inside the BA. There are offices that allow you to view transactions on accounts without formally logging into the account. The offices that will help you break through the BA will be displayed on the screen.
