Cloned Boy
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BA is a bank account
One or more accounts that have common details. Each account has its own purpose:
1. Profile
Divided into Checking and Saving
Checking - settlement account
The salary is transferred to it (it is used to pay for utilities, gasoline, food, etc.).
Saving - savings
Here CH already stores its cache
What is better to work with?
Checking - small amounts, CH often checks his account, the bank does not react much to this type.
Saving - larger amounts, CH rarely checks, but the bank treats this account more suspiciously.
Our choice is influenced by many factors. Activity of the account, bank, notifications about transactions (debits/credits/entries) and other
Rules for working on BA:
Always read regulatory documents
It's called "Terms and Conditions"
If you want to bypass the bank, there are clear rules that the bank will follow that you need to know in advance.
2. Non-core - there are only 4 of them
Mortgage, Deposit, Loan, Invest (brokerage)
Mortgage, Deposit, Credit Account, Brokerage
It's hard to drain the cache from them, but there are some skilled people
Fullz (Full info) is complete information about a person. Containing: full name, address, phone number, email, DOB - date of birth, SSN - social security number, less often MMN - mother's maiden name.
Example of a fullz:
WILLIAM CHAMP/11000 GULE BLVD/TREASURE ISLAND/FL/33706/407-44-9880/09.20.1936
WILLIAM CHAMP - first and last name
11000 GULE BLVD - address
TREASURE ISLAND - city
FL/33706 - state / zip code
407-44-9880 - SSN (Social Security Number)
09.20.1936 dob date of birth in month/day/year format
In the USA there are 7 main requisites:
1. Holder's name
2. Address from real mail (not email)
3. Telephone
4. Email
5. Card number (if any)
6. Routing Number - (aka routing, aka RN - abbreviations) - is a unique branch number (bank branch) [issued to a bank branch]
7. Accounting Number - account number. A separate AN is issued for each account. It usually consists of 9-11 digits.
How can I find out these basic details (an/rn)?
We cannot view the BA details unless we go inside the personal account OR link the BA to some external office
When purchasing a log
ass bundle, we are not always able to enter the BAThere are offices that allow you to view transactions on accounts without formally going inside.
List of some offices:
zoho.com
netsuite.com
dave.com
Quicken.com
buxfer.com
mint.com
moneydance.com
mvelopes.com
personalcapital.com
concur.com
youneedabudget.com
These offices can break through the miniks (micro-deposits).
How to see an/rn in an account with access?
We need a bank statement
It's called Statement
The statement is sent monthly to the holder's email address.
Also available from your personal account
Contains all transactions for the reporting period
A modern holder usually does not receive statements by mail (physical), but receives a reminder by mail every month with a link to these statements.
You can look at the date of the last statement and build your work based on it. If the report arrives on the 29th of each month, you don't need to start pouring on the 27th-28th!
It's better to do it a few days after the report so that you can do a few laps on the count.
Alerts/warm-up
There is a special tab in the bank with alerts.
Opposite each line there are 3 checkboxes with a choice of where to send the alert - SMS/mail/nowhere
We will naturally work with these alerts based on the bank’s capabilities.
You need to give your account some rest after making changes to the settings.
"Lying down" - do not touch the account for 1-3 days
Now a little about the software component
To work with BA self-registrations, a well-tuned antique is sufficient
Self-registrations are accounts that we register ourselves for a person, whether it is a holder or simply a resident of the USA (or another country, in the case of a bank/office not from the USA)
Fraud changes frequently, payment systems, offices, etc. Working with BA is a constant search
If you do not understand the bank's terms and conditions, do not hesitate to write to the bank/office's support
Any restrictions or payment type that you have questions about?
If necessary, you can also make a call, sometimes it helps out
Do not cut off the WebRTC in the antidetect under any circumstances, but replace it with the one at the socks5
Don't forget to read the manuals on antidetects
Look Up a holder
Working with Brute Accounts
At the output after brute force we get (example): lanefeingold:Handba11|CHECKING=1597.59$|AN:RN=99266907:271984311|
That is: login, password | account type = balance amount | and AN/RN details
First, we check the validity of AN/RN
On bank.codes/us-routing-number-checker we can get data on the bank based on the routing number
If you manage to get into the holder's mail, then there is a high probability that you will receive full data on the holder and even scans of his documents in drafts or outgoing
Some brutes don't get through at all and we won't be able to get into the mail
If we have basic data on the holder, we go further to break through the rest of the data
BG - biographical data by name
We contact the punchers to find out all the data about the holder.
Probivals are those who provide you with data about the holder for money
After receiving BG data about the holder, we can do self-registration of BA and self-registration of offices, request CR (CR - credit report) and everything else, because questions
In the process of completing self-registration or requesting a credit report for a holder, you may come across a request like this: "Name the state that issued the social security number."
The fact is that often the holder moves to other states, and his SSN will not correspond to the current state of residence.
700-728 ISSUED TO RAILROAD BOARD PRIOR TO 1963 (NO LONGER USED)
648-649 NEW MEXICO
646-647 UTAH
627-645 TEXAS
602-626 CALIFORNIA
600-601 ARIZONA
596-599 PUERTO RICO
589-595 FLORIDA
587-588 MISSISSIPPI
586 AMERICAN SAMOA,GUAM
585 NEW MEXICO
580-584 PUERTO RICO
580 VIRGIN ISLANDS
577-579 DISTRICT OF COLUMBIA
575-576 HAWAII
574 ALASKA
545-573 CALIFORNIA
540-544 OREGON
531-539 WASHINGTON
530 NEVADA
528-529 UTAH
526-527 ARIZONA
525 NEW MEXICO
521-524 COLORADO
520 WYOMING
518-519 IDAHO
516-517 MONTANA
509-515 KANSAS
505-508 NEBRASKA
503-504 SOUTH DAKOTA
501-502 NORTH DAKOTA
486-500 MISSOURI
478-485 IOWA
468-477 MINNESOTA
449-467 TEXAS
440-448 OKLAHOMA
433-439 LOUISIANA
429-432 ARKANSAS
425-428 MISSISSIPPI
416-424 ALABAMA
408-415 TENNESSEE
400-407 KENTUCKY
387-399 WISCONSIN
362-386 MICHIGAN
318-361 ILLINOIS
303-317 INDIANA
268-302 OHIO
261-267 FLORIDA
252-260 GEORGIA
247-251 SOUTH CAROLINA
232-236 WEST VIRGINIA
232, 237-246 NORTH CAROLINA
223-231 VIRGINIA
221-222 DELAWARE
212-220 MARYLAND
159-211 PENNSYLVANIA
135-158 NEW JERSEY
050-134 NEW YORK
040-049 CONNECTICUT
035-039 RHODE ISLAND
010-034 MASSACHUSETTS
008-009 VERMONT
004-007 MAINE
001-003 NEW HAMPSHIRE
There are offices that can expose the CS holder - credit score
The higher it is, the better.
Americans are very sensitive to it and shape their entire lives.
netcredit.com
cashnetusa.com
avant.com
After registration, you will receive a response to your email about approval or denial of the loan
CS will be indicated there
Search query "take a loan" and test by Credit Score
Mobile phone holder
City/State Codes
Wyoming 307
Wisconsin 262 - 414 - 608 - 715 - 920
West Virginia 304
Washington 206 - 253 - 360 - 425 - 509
Virginia 276 - 434 - 540 - 571 - 703 - 757 - 804
Vermont 802
Utah 435 - 801
Texas 210 - 214 - 254 - 281 - 361 - 409 - 469 - 512 - 682 - 713 - 806 - 817 - 830 - 832 - 903 - 915 - 936 - 940 - 956 - 972 - 979
Tennessee 423 - 615 - 731 - 865 - 901 - 931
South Dakota 605
South Carolina 803 - 843 - 864
Rhode Island 401
Pennsylvania 215 - 267 - 412 - 484 - 570 - 610 - 717 - 724 - 814 - 878
Oregon 503 - 541 - 971
Oklahoma 405 - 580 - 918
Ohio 216 - 234 - 330 - 419 - 440 - 513 - 614 - 740 - 937
North Dakota 701
North Carolina 252 - 336 - 704 - 828 - 910 - 919 - 980
New York 212 - 315 - 347 - 516 - 518 - 607 - 631 - 646 - 716 - 718 - 845 - 914 - 917
New Mexico 505
New Jersey 201 - 609 - 732 - 856 - 908 - 973
New Hampshire 603
Nevada 702 - 775
Nebraska 308 - 402
Montana 406
Missouri 314 - 417 - 573 - 636 - 660 - 816
Mississippi 228 - 601 - 662
Minnesota 218 - 320 - 507 - 612 - 651 - 763 - 952
Michigan 231 - 248 - 313 - 517 - 586 - 616 - 734 - 810 - 906 - 989
Massachusetts 339 - 351 - 413 - 508 - 617 - 774 - 781 - 857 - 978
Maryland 240 - 301 - 410 - 443
Maine 207
Louisiana 225 - 318 - 337 - 504 - 985
Kentucky 270 - 502 - 606 - 859
Kansas 316 - 620 - 785 - 913
Iowa 319 - 515 -563 - 641 - 712
Indiana 219 - 260 - 317 - 574 - 765 - 812
Illinois 217 - 309 - 312 - 618 - 630 - 708 - 773 - 815 - 847
Idaho 208
Hawaii 808
Georgia 229 - 404 - 478 - 678 - 706 - 770 - 912
Florida 305 - 321 - 352 - 386 - 407 - 561 - 727 - 754 - 772 - 786 - 813 - 850 - 863 - 904 - 941 - 954
Delaware 302
Connecticut 203 - 860
Colorado 303 - 719 - 720 - 970
California 209 - 213 - 310 - 323 - 408 - 415 - 510 - 530 - 559 - 562 - 619 - 626 - 650 - 661 - 707 - 714 - 760 - 805 - 818 - 831 - 858 - 909 - 916 - 925 - 949
Arkansas 501 - 870
Arizona 480 - 520 - 602 - 623 - 928
Alaska 907
Alabama 205 - 251 - 256 – 334
Even easier: area code + number in the search engine
LookUp MDOB and MMN
MMN - mother maiden name - mother's maiden name
MDOB - Mother's Day of Birth
You can look here archives.com and here ancestry.com, test them
DL - driver license
Again, everything can be found here topic/209023
highprogrammer.com/cgi-bin/uniqueid
highprogrammer.com/cgi-bin/uniqueid/dl_il - generator dl
Banks DO NOT have a single MMN and DL database
DL pick-up locations:
Wyoming 9-10Numeric
Wisconsin 1Alpha+13Numeric
West Virginia 7Numeric or 1-2Alpha+5-6Numeric
Washington 1-7Alpha+any combination of Alpha, Numeric, or * for a total of 12 characters
Virginia 1Alpha+9Numeric or 1Alpha+10Numeric or 1Alpha+11Numeric or 9Numeric
Vermont 8Numeric or 7Numeric+A
Utah 4-10Numeric
Texas 7-8Numeric
Tennessee 7-9Numeric
South Dakota 6-10Numeric or 12Numeric
South Carolina 5-11Numeric
Rhode Island 7Numeric or 1Alpha+6Numeric
Pennsylvania 8Numeric
Oregon 1-9Numeric
Oklahoma 1Alpha+9Numeric or 9Numeric
Ohio 1Alpha+4-8Numeric or 2Alpha+3-7Numeric or 8Numeric
North Dakota 3Alpha+6Numeric or 9Numeric
North Carolina 1-12Numeric
New York 1Alpha+7Numeric or 1Alpha+18Numeric or 8Numeric or 9Numeric or 16 Numeric or 8Alpha
New Mexico 8Numeric or 9Numeric
New Jersey 1Alpha+14Numeric
New Hampshire 2Numeric+3Alpha+5Numeric
Nevada 9Numeric or 10Numeric or 12Numeric or X+8Numeric
Nebraska 1Alpha+6-8Numeric
Montana 1Alpha+8Numeric or 13Numeric or 9Numeric or 14Numeric
Missouri 1Alpha+5-9Numeric or 1Alpha+6Numeric+R or 8Numeric+2Alpha or 9Numeric+1Alpha or 9Numeric
Mississippi 9Numeric
Minnesota 1Alpha+12Numeric
Michigan 1Alpha+10Numeric or 1Alpha+12Numeric
Massachusetts 1Alpha+8Numeric or 9Numeric
Maryland 1Alpha+12Numeric
Maine 7Numeric or 7Numeric+1Alpha or 8Numeric
Louisiana 1-9Numeric
Kentucky 1Alpha+8Numeric or 1Alpha+9Numeric or 9Numeric
Kansas 1Alpha+1Numeric+1Alpha+1Numeric+1Alpha or 1Alpha+8Numeric or 9Numeric
Iowa 9Numeric or 3Numeric+2Alpha+4Numeric
Indiana 1Alpha+9Numeric or 9Numeric or 10Numeric
Illinois 1Alpha+11Numeric or 1Alpha+12Numeric
Idaho 2Alpha+6Numeric+1Alpha or 9Numeric
Hawaii 1Alpha+8Numeric or 9Numeric
Georgia 7-9Numeric
Florida 1Alpha+12Numeric
District of Columbia 7Numeric or 9Numeric
Delaware 1-7Numeric
Connecticut 9Numeric;
Colorado 9Numeric or 1Alpha+3-6Numeric or 2Alpha+2-5Numeric
California 1Alpha+7Numeric
Arkansas 4-9Numeric
Arizona 1 Alpha + 8 Numeric OR 9 Numeric
Alaska 1-7Numeric
Alabama 1-7Numeric
Holder's place of work:
ssa.gov
guidestar
feinsearch
Car Holder
geico
allstate
progressive
Look Up houses (roof color, price, etc.)
zillow
Mail generator for self-registration
metricsparrow.com/toolkit/email-permutator (http://metricsparrow.com/toolkit/email-permutator/)
annualcreditreport - this service checks Credit Report through 3 bureaus
1. Go to the request yours now tab
2. Fullz the data for the full file and you will see a list of 3 credit bureaus:
Experian, TransUnion и Equifax
3. Open TransUnion in a new tab
They usually have the most basic questions about BG.
a list of questions appears
With the phone code, SSN and DL origin data we have some answers
We answer what we can and check. What we can't, we put at random.
And we write down what we have chosen.
If you were lucky and guessed - great. If not - no big deal.
Don't close the tab
4. Return to the previous tab and open the new TransUnion tab again
There may be other questions, we will try to answer them
If the question is repeated, then there are other answer options.
We compare these lists and calculate the correct answer.
Faithful will always be on both lists!
5. This is how you should get your first Credit Report
Questions may be:
like what year did you graduate from school
Typically in the US it's 17-19 years old
You know the date of birth. Here is the answer.
The phone number from the list of answers is shown according to the code of the city of residence of the holder.
if not, look up where he is from by SSN and look up the phone code corresponding to the location
Usually, after TransUnion, questions from Equifax come in complexity
therefore, based on the first CR and answers to questions, you check the second bureau and so on
If we work according to logs, then it will be easier to access email and social networks, there is more data, and you won’t need to check anything special
BG - background report
CR - credit report
When we register self-registration on a fullz, we configure the anti-detect for brute force or for log.
In the search engine, enter the query "rating of US banks", open the first tabs and follow the link from these ratings
Or as an example: "fin. tech ref links to banks"
bankrate.com/banking/checking/rates
nerdwallet.com/checking-accounts
A good full package is not enough and banks ask a lot of questions
It is necessary to work on the holder, find and study his BG (background report) and CR (credit report) - in the previous article about this (part 2)
Once BG and CR have been broken, we can start registering a BA or office
Find the right bank that provides online registration
Some banks work as follows: with a call (so that you call and register via mobile), drawing (it will request scans), deposit (mini-cards).
List of banks
53COM Online, not all states
Ally Online, scans needed
Amalgamated bank Online, provides registration + call upon entry
Amex personal savings Online
Applied bank Online
Arvest Bank Online
Associated Bank Online
BancorpSouth Bank Online
Bank mobile Needs testing
Bank of America Online
Bank of internet Online
Bank of the Ozarks Online
Bank of the West Online
Bank x. Online. The same office as bank of internet and bofifederalbank. A good bank for the bay
Banner Bank Online
BARCLAYS Online. Minis required for registration
BB&T Online
BBVA Compass Online, Not All States
Bmoharris hariss bank Online
BNP Paribas No registration
Bofifederalbank .com Online
BOK Financial Corporation Online. Different ba by different states
Capital one Online
Capital one 360 Online
Carter Bank & Trust No registration
Centennial Bank Online
Central bank Online
Charles Schwab Online. Minis required to register
Chemical Bank No registration
Citibank Online
Citizens bank Online
Columbia State Bank Online
Comerica Bank No registration
Commerce Bank Online
Community Bank Online
Credit Suisse No registration
Credite one Online
East West Bank No registration
Efirstbank Online
Ever bank Online
Fidelity bank Online
First Bank No registration
First Citizens Bank Online
First Commonwealth Bank Онлайн
First Financial Bank Online
First Interstate Bank Онлайн
First Merchants Bank Online. Limit 250
First Midwest Bank Онлайн
First National Bank of Omaha Online
First National Bank Texas Online
First National Bank Online
First Tennessee Bank Онлайн
Firstinterstate Только idaho, montana, oregon, south sakota, wachington, wyoming
Firstmerchant Only indiana, illinois, ohio
Firstnational bank Online
Flagstar Bank Online
Fnbo direct Online
Frost Bank Online
Fulton Bank Online
Glacier Bank No registration
Go bank Online
Great Southern Bank Online
Great Western Bank Online
HSBC Online
IBC Bank No registration
Iberiabank Online
Investors Bank No registration
John Deere Capital No registration
Key bank Needs testing
Liveoakbank Online, Saving Only
M&T Bank Online
Marcus by Goldman Sachs bank Online, only saving
MUFG Union Bank Online
Nationwide bank Online
Navy Federal Credit Union Online, Military Fulcrums Only
NBT Bank Online
NETBANK Online
New York Community Bank No registration
Nmbonline.com new millennium ba Online
Northwest Savings Bank Online
Old National Bank No registration
Open Sky Online
Park National Bank Online
Penfed credit union bank Online, only military fulki
People's United Bank Online
Pinnacle Bank Online
PNC Online
Prosperity Bank No registration
Rabobank Онлайн
Radius bank Online
Raymond James Financial No registration
Regions Bank Online
Renasant Bank Online
Santander Bank Online. You need to deposit from CC immediately upon registration
Sdccu bank Online
Signature Bank No registration
Simmons Bank No registration
Simple bank No registration
South State Bank No registration
Sterling National Bank No registration
Sun south bank Online
Sunrise bank Online
SUNTRUST Gives online through the sphere
Synovus Bank No registration
Synovus Bank Online
TCF Bank Online
TD BANK Online, states (CT DC DE FL MA MD ME NC NH NJ HY PA RI SC VA VT)
TIAA Online, need a $100 deposit
TrustCo Bank Online
Trustmark National Bank Online
US Bank Online
Umpqua Bank Online
Union Bank & Trust Online
United Bank Online
United Community Bank No registration
US BANK Online
USAA Online, Military Fulks Onl
Valley National Bank No registration
Washington Federal No registration
Webster Bank Online
Wells Fargo Online
WesBanco Bank No registration
Whitney Bank Online
Woodforest National Bank Online
Zions Bank Online
Shase Online
Test it, the list is not updated
, maybe they added online registration somewhere, somewhere notYou can also buy self-registration, and not do it yourself, everyone has their own work, but for the basics, you can study
We need self-registrations for:
1) for testing a bank/office
2) for further cache output
To search for offices by check minikov
In the search engine, the query "ach transfer rating"
Don't forget to check where the statement is after creating the BA self-registration (usually open the corresponding tab and download it)
It is recommended to have such statements for all BAs that pass through us.
Albert_statement.pdf
Not included, change data exporting settings to download.
The office may request verification and the statement will be one of the verification options.
You can also order a statement from the renderer
1. After you have entered the self-registration, look for the tab with the statement, take it for yourself
2. Check alerts
Holders usually do not change these alerts after creating a personal account.
Therefore, knowing what alerts are "by default", we can already understand whether there will be a notification
We do everything during working hours, not everyone pays attention to it at all (it’s too loud at the factory, they won’t hear the notices)
So, pay attention to the holder's operating time.
3. Go to the holder's account
- Let's try to add our phone number
- Let's try adding mail
- We turn off all alerts that exist
We are trying to add something from the list. There is no need to delete or change the holder data.
First, add your data to the holder's data (or just your own, if there is none)
and only then we change the holder's main phone to ours, as the main one
We do this within 1-2 working days.
It happens that there may not be a function in the bank to add your own data, but only to replace the holder's data
It is necessary to change the holder data with ease
The main phone/mail is specified as primary
if you fly in, start adding everything at once, changing the priority of data or deleting, then the account will be locked or they can call the holder
Phone number, or Google voice, or rent
If there is access to the holder's mail
Did something come? - We're cleaning.
We added a phone number and immediately checked our email.
Did something come? - We're cleaning.
Or we set up filters so that messages from the bank go to spam
If there is no access to mail
And if you don't put your own email, you can order spam mail so that incoming notifications get lost
PUSH notifications and SMS alerts
Push notifications, as you know, are pop-up messages on the holder's phone - they are not tied to a phone number
They are tied to the BA and to a specific hardware (device)
Even those who have push notifications may not understand what is happening during working hours.
Or they come in, see that everything is ok and forget about it.
push notifications are the most annoying thing for us
We can intercept SMS, but we can’t intercept or disable push notifications.
Bank opening hours
Weekends and holidays in the US are not considered banking days - we avoid them when working on draining accounts
Reason - you can "hang" the transaction in the activity (the holder will see it), but it will be executed only on the next working day
Banks operate on UTC -5 (winter -6)
Federal banks are trying to work on a single time, local ones may have their own and the schedule will be different
Bank breach
osll.spb.ru/banks
There is information about the days off of this or that bank. Choose the one you need and check
Transfers/sends/outputs cache
There are 6 ways:
1. Bill pay
2. ACH
3. Wire transfer
4. International Wire Transfer
5. Internal bank payment
6. External payments
Bill Pay
Bill - account, Pay - pay
Payment by invoice is a system of electronic invoices (checks)
Not all BAs have this function, billpay is usually needed to pay any bills to various service providers: for electricity, water, internet, and so on.
For our activities, you can use this type of payment in the following way - add your service provider (this can be either a company or an individual)
For example, you want to buy a set of wheels on disks from me. Add me to the list of suppliers
make the payment. I receive the money from 1 hour to 3 working days - this is if the payment was made electronically.
When generating a payment check, the bank additionally sends a paper check to the holder's address at his place of residence - usually such letters take 1-3 days
Sometimes weekends/local/global climate adjustments/holidays and weekends have their impact and it takes longer
Holder might still burn it down.
In this method you don't need to wait for minions and antifraud is loyal to it
Not all financial institutions/organizations accept payments by BillPay.
There is also a paper version
The service provider may be another bank, i.e. you can use billpay to fill credit cards
Returns of any kind take time - the reverse process took up to 10 business days in some cases
If you are going to send money to a specific office, it is preferable to call the service/product provider and find out specific details for making the payment and generally clarify whether they accept this method of payment.
The information on the site may be out of date.
We can buy something good for ourselves using the holder's funds, or send it to a drop or scoop, who will cash out this product for us.
Moreover, if you have already had contact with the support service or specific managers from this account, the fraud will be significantly lower.
It is important that the product is liquid .
ACH
Automated Clearing House - https://en.wikipedia.org/wiki/Automated_clearing_house
ACH takes from 1 to 4 business days
You can link an account from one bank to another and send funds to PayPal using ACH (for example)
Paypal, aka PP, aka PayPal
When we make a deposit on a PayPal with BA, we still need to bypass its antifraud, together with BA's antifraud
The bank doesn't always give + the PayPal can also cheat
Therefore, the success rate is significantly reduced.
An invoice is usually added via AN RN: we wait a couple of days, click the "verify" button, enter the mini-codes
Minis are mini deposits that are sent to confirm account ownership.
If you want to link accounts, you must have access to both accounts, that's why it's called catching minis
1 mini-deposit from 0.01 to 2$, depending on the bank and office
After linking, we can make transactions between these accounts, the volumes that go through the US through ACH are huge - billions!
offices for punching minis were in previous articles, but don't get hung up on them, there are many offices
the most important thing is that there are no combined minis (this is when one of the mini-deposits is not displayed anywhere and is not punched through and you need to call the bank (order a call) and ask the employee to tell you the details of this transaction. Also anti-fraud, only more severe.
Minis are a check of the account.
All accounts must belong to you (the holder)
i.e. self-registration, which you will link, make on the same full as the BA holder.
The second option for linking via ACH is linking accounts to Instagram (instantly)
When we enter login/password + answer the secret question. In this case, the full name of the holder must match all the data.
An example of an office where you can attach an Instagram account not only to the holder's account - a PayPal
The mechanism for linking an account by login and password is available at various banks and offices; in offices for punching mini-accounts there is also an insta link (that's what we need).
To answer a secret question you almost always need to order a BG holder, SSN number, DL, search in social networks.
When you have linked an account using any of the methods (mini or insta), you can make transactions between them
We can send money to the attached account or send money from it when we are waiting for money from it (the attached account) this is called a reverse ACH.
If you manage to tie an insta - great, if not - we knit with minis, here everything depends on the bundle you are working with
The main thing is that as a result we can send ourselves money via return transfer; direct transfer can only be done from logs.
If you entered the BA or from a brute force, which gives entry without secrets, additional confirmations.
Reverse ACH is when we are not in the BA, but request funds that are on it - we deposit by reverse
Time
1. miniks (micro-deposits) take 1-3 days, usually 2 days
+
2. then the transfer of funds takes about 3 days
= total 4-5 days for funds transfer
banking day = working day. Weekends are not counted
BA workers have a "golden rule". Drain no more than 30% on the first transaction (ideally 10-25%)
Don't drain your account all at once! (You can drain everything if you know)
Don't forget about breaks between transactions, take a break and behave like a "regular holder" - ideally, according to the activity schedule from the statement.
Wire Transfer
Wire - a regular cash transfer. Not available in all banks. Standard wire without calling/intercepting SMS is not possible. In the worst case - you will be asked to come to the bank.
Everything needs to be done perfectly (change the number, time and amount, and the SMS interceptor should not get stuck!). At the same time, this type of transfer is very fast.
Some crypto exchanges in the US use only wire. Wire is usually used to send large amounts. Wire on exchanges usually accepts business accounts. The full name for this type of transfer must match the account on the exchange and the sender.
International Wire Transfer
Wire, only international, with some differences, it works in almost any country, for example, any European country can accept your transfer. The recipient's data should NOT match the sender's data + such a wire takes longer. It takes a long time, because it goes through a bunch of correspondent accounts.
In Canadian banks, int wire is more common and less controlled (easier to implement).
Internal payments of banks
There are many banks in the USA, some of them have the following payment systems:
Surepay, P2P, Popmoney, Zelle, Send money(MOVO)
in Canada - interac
Whatever you call these payment orders, the essence of them all is the same - to transfer money.
Everything is quite simple - you initiate a transfer, specify the user details (in some cases an email or phone number is enough) - click send and that's it, the money is in the other account.
In the case of cash.app, money is transferred by nickname and instantly goes to the account to which the other person's card is linked.
The mechanism is similar in other payment systems; they are designed for quick and hassle-free sending of funds.
External payments
In external payment, the work happens approximately like this:
We take the full file, register an account on it (in this external payment system), link the holder's account (by mini-cards or by log-pass/instoy)
Linked the account, topped up the payment and went ahead
There are 2 options for these external payments:
- Several BAs can be linked to one payment account: the holder's account (which we drain) and our account (or the drop account) - to which we pour - we top up the payment account with brute force and pour it into ourselves (the drop).
- You can't link several BAs to one payment: then we merge from the second account to our BA
Examples of external payments:
Paypal, Venmo (daughter of the PP)
Western Union
World Remit
Contact
XOOM
Moneygram
Transferwise, Transfast
External - we can send money to an account in another bank or to another place
We link the account, deposit money or send it directly to another person, but within the framework of this payment
