Cashout methods for BA USA: types of transfers

[Man]

Actually, it would have been nice to release this article much earlier, but I doubted writing it because in my opinion there is sooooo much water here, so much that you could supply a couple of African villages for a couple of years. Oh well, the poll showed that you will be interested in this. Well, in that case, I welcome newcomers to my public, and those who big carders topic for a long time - feel free to skip the material, although I hope there will be something new for you here too. Well, now let's move on directly to the topic of the article. (You can, of course, joke about salt registries, salt cash-outs, "/getsalt" and write a shitload of letters, but all of that was in previous articles, and live examples of such can be found in many neighboring chats, so it's time to go to the factory and move on to the harsh and boring information).

ACH. Direct - Direct Deposit and reverse - ACH Pull.​

Let's start with the return. We use the return ACH in a situation when we link the bank to the office by login/password (Plaid/Finicity/Yodlee) or by AN/RN, confirming the connection with mini-deposits or paying in this way an invoice sent from a business BA. In this case, we initiate a payment in the office to which we actually pull our BA, after which "the automated clearing house magic happens" (I think there is no point in me describing in more detail - if you are interested in the technical part, it is better to google, nothing is clear there anyway). In short, as a result - in 3 days the American's money flies to our self-registration. We use such transfers when working with brutes, when we have the opportunity to link it by log-pass without 2fa (this is for those who have not yet understood what "instant payd" is) or check mini-deposits, linking our brute to the office to view transactions. Also, some banks allow linking in Plaid by 2fa to email - therefore, these transfers can also be used when working with logs, where there is access to email.

Nuances and details. And there are a lot of nuances, actually. Firstly, this transaction is perceived by the bank as more fraudulent than sending from the personal account via direct transfer, so if we drag out the BA too much, the holder will be called by the fraud department and surprised with the news that they are trying to withdraw 20 thousand from his savings for the repair of the house to the investment account, he will say that he does not give a fuck about this transfer, and we will go on tilt, and then go to the factory to save up for new brutes. Also, if the American grandfather sees this transaction later, it will be charged faster than the direct deposit sent from the personal account, which means we have less time to withdraw the money if it still reaches the self-registration. Well, with acceptances, everything is getting more and more complicated. Those large banks or well-known VCCs that are filled with reverse, either cut limits or keep a hold of money for about 5 business days. Of course, you can find a gasket for filling that does not have a hold, or even credits funds on the same day, before they come out of pending, and sometimes holds anyname transactions without checking the name and surname, but those of them that the blacks have already found before us (and they found, believe me), register plus or minus unrealistically - get ready for a video call and registration 1/30. In short, what to do: test, stock up on banks in the amount of 5 pieces (preferably with a long charge, if you find any) and bang deposits in volume. That's how you will get profit.

P.S. By the way, in some bundles you can link by AN/RN without confirming the mini-deposits, for example, during an open-deposit.

Now let's move on to a direct transfer, that is, sending from a log with access to the personal account or from a pad uploaded from another BA. There are 2 options here, by the way (depending on where to send from). The first is sending to an externally linked self-registration, which we link by login/password, or confirm with mini-deposits. Banks are different, but in most cases, acceptance should be made to the same name/surname as the bank from which we send, because when linking with mini-deposits, this data is verified. Of course, there are a lot of banks that allow sending anyname - in this case, it is important that the acceptance does not fuck around with mini-deposits and transfers from another name. The second is sending via Bill Pay - Pay Person by AN/RN, when we can confidently send anyname. In this case, mini-deposits do not need to be confirmed, but many banks will regard such a payment as more fraudulent, so it is better to send smaller amounts.

Nuances... What, did you think that if we send from our log's personal account, then we found the money button?

And there was a fuck there, actually. Firstly, 2023 is almost over, which means that most banks will not let you just send a transfer to an external account and will screw 2FA at the time of sending. Of course, in slightly fucked up banks you can put your number for withdrawal, but if the holder exposes it, you will go to the factory again. And in the case when there is no 2FA for withdrawal, you should not run to send 2 million bucks to your fucking WC, because if the amount greatly exceeds the usual activity of our holder-grandfather, who once a month withdraws his savings for checking to buy bread and beer and fill up Ford F-Sto-Pisyat, then most likely they will call him from the fraud department in the same way as if we were pulling money out of him with a return. And while the transfer hasn't left the pending, stopping it is a piece of cake, and the money will stay with grandpa, and where will we go? Right, to the factory. Or as a cashier at a grocery store, if the jobs at the nearest enterprise are occupied by traffickers.

Another nuance - routings of popular VCCs (Evolve Bank/Go2Bank/Bancorp Bank/Sutton Bank) are usually banned in 90% of banks, and the rest either have a hard time spitting out the Seim on the grandfather, and they do not accept any. Well, and those that accept any - will hardly accept a large amount. Of course, there are exceptions, but no one will tell you about them - you need to test, or transfer through self-registered banks, which will fit the wanked RN for withdrawal.

P.S. In many banks you can check whether the routing will fit by simply entering the details in your personal account - if it returns an error, then your acceptance is not suitable. But this is not a guarantee of a successful withdrawal: for some screwed up RNs the transaction goes through, but then returns and the bank is locked to hell.

Bill Pay on credit cards drops.​

In general, there is not much to explain here. Take the credit of the drop - Amex, Apple Card or, God forbid, Chase (the transaction to which will be charged and it will die under the whining of the drop) - self-registrations will do with a stretch, but only very warmed up ones. Go to the Bill Pay menu, choose the organization - the bank to whose card you are sending money, write the card number and send. In this case, you can send quite a lot - depending on the negative balance of the card/account. Charges, of course, no one has canceled, but such a transaction is considered the least fraudulent for many banks that are not so fucked by billpay, and it is almost impossible to back it from some credit cards. You can also use not only logs, but also brute force with access to the personal account - there will be no 2fa for such a transfer.

Another nuance - if you work directly with drops, 95% of them will end up scamming you with the money you've poured in, and intermediaries will give you 20-25% of the money you've poured in, and that's if you're lucky. That's basically it for billpay - by the way, you can also pay other bills, not just credit cards, but that depends on what you can find to pay.

Zelle​

In short, Zelle. These are instant transfers (which can get stuck for a few days if the antifraud doesn't like something, or simply lock the acceptance). Such a transfer is sent using the details - mail or number, depending on what is specified on your acceptance when enrolling Zelle. To work with it, you need either acceptances warmed up by transactions (and even then they can get locked), or drop accounts (which can get salted). Here are the nuances - if zelle is not enrolled, then you can hang it on the mail from the log, or on the number added after the otleg. If it is enrolled, you need to use what the holder specified (mail/number). In general, these payments are so fucked up that working with them is just a fucking pain. First, you warm up 50-100, then, if the holder hasn't caught you, you send a grand... (But most likely, he will catch you)

Well, with unheated self-registers everything is really shitty - both the self-register from which you send and the receiver will break. In short - it's complicated crap, but you shouldn't throw it away either - sometimes it's very relevant.

Wire​

It's somewhat similar to Zelle, but allows you to quickly send larger amounts. 2fa when transferring is sent strictly to a phone number (but you don't always need to swap - sometimes it's enough to change the number to your own in your personal account and relax). Of the minuses - logs that are not nerded up for sending it are hard to find (or you need a simswap), few will accept less than 10k, and for acceptance you need warmed up drop accounts. There is also international wire, but this is really complicated and takes a long time. Also, some banks support only the same name sending of the wire, in which case self-registration will do, but the need for this is quite rare, and sending between self-registrations without warming them up will lead to their lock. But again, there are exceptions, so do not forget about this possibility in some bundles.

Mobile Deposit / Work with checks​

In general, working with checks includes loading a mobile deposit when you print out a check drawn/stolen from a mailbox/sent by email, or the drop goes to cash it at the bank. There are nuances everywhere, but since I have no fucking experience working with stolen checks and cashing offline, I can’t tell you here - this is for our overseas colleagues. Mobile deposit is a fairly common transfer method, especially since it is available to us when we are not in the US, so I will tell you about it. There are 2 options here - use sites that allow you to send a check to email when linking a bank via AN / RN, or use the services of a drawer - a normal drawer is important here, because not so many banks will swallow a clumsy drawing. Of the nuances - you need to warm up the receiver before pouring. VCC with mobile deposit replenishment usually have a low limit, large banks allow replenishment for large amounts. We print a check, take a photo of the check (acceptances and their holds, I discussed in the public earlier). Again, with such cashing, I advise working on volume - from many banks the transfer may simply not work, since the holder will be called, therefore about 50-70% of deposits will not reach, or a chargeback will arrive during the hold and the acceptance will die along with the bank from which we send the transfer by check.

Something like that. I hope that this material will be useful for many of you who are still taking their first steps in working with banks and testing bundles - now you understand in which direction you need to test.