Working on US banks

[Man]

We learn to work out USA banks in logs!​

The article is educational in nature, we do not call for or oblige you to do anything. The information is provided for informational purposes only.

1. Log check, balance check
A little insider tip for small and not so small traffickers - never look at the BANKS column in the output, run each US log for all requests. Banks appear in your logs much more often than you think.

- We select proxies, set up antidetect.
- We enter the log.
- We check the mail for validity.
- Go to the bank's website. Search for the bank's website using the search bar, no copy-pasta.
- Log in, live cookies and proper system setup will allow you to log in without problems, if necessary, we accept the code for logging in by email (Don't forget to set filters on your email).
- We are looking for information about transfer limits in this bank (you will find the information somewhere in your personal account or just google it), we will need it for the future.

Balance not zero? That's already encouraging, let's move on.

2. Collection of data on the CH, preparation for the creation of acceptance.

CH - cardholder, here - the owner of the bank account

Time goes by and there are practically no banks/offices left that send/receive anyname.

Any name - The names and other personal information of the CH in the log and self-registration are different. For the system, it looks like the account owner is sending money to another person in another bank.
Same name - The names and other personal information of the CH in the log and self-registration are identical. For the system, everything looks like the account owner has personal accounts in two banks/offices and sends money between his personal accounts.

We look for information about the CH in the log (bank personal account, autofils, letters in the mail, Google photos, grabber, anything), or we contact the lookup services.

At this stage, you need to find the following data:

• Full name - First Name (Middle Name) Last Name. Searched in the bank's personal account.
• Date of birth - DoB (Most commonly used format: mm/dd/yyyy, pay attention to month and day). Searched independently in 99% of cases. Cost of lookup ~$2
• Address. Searched independently in 99% of cases.
• SSN - Analogue of our SNILS. 9-digit number. Format: XXX-XX-XXXX. Cost of checking ~20$

We've assembled a fullz on CH, let's move on.

Fullz - Necessary complete information about CH.

3. Creation of self-registration acceptance
At this stage, there are two options - register yourself or contact professional services. If you are interested in the topic of working with BA for the first time, you are unlikely to have enough knowledge on registering offices. Therefore, we will resort to the help of registries.

BA - Bank Account

P.S. It is important to find a trusted service that will not steal your money into its own pocket after you upload it to self-registration. .

Prices vary from $20 to $100+ for one self-registration. Each company has its own nuances, test the bundles.

VCC (Virtual Credit Card) - office aka banking application, allowing to issue VCC (Virtual Card)

We pass our full file to the registrars and receive a ready-made self-regulator, onto which we will upload.

4. Self-registration link to the log
A little theory, MUST read. There are two ways to link banks/offices to each other.

First:​

Manually (In manual mode. By ACH) - Classic online transfer of funds between accounts. Can be direct and reverse. Sent/received by any/seim name. That is, for the sender any name is permissible, for the receiver - no, and vice versa. But it is better to spend an extra $20 on a check and make a seim to be sure that the money will arrive without incident)

Direct ACH - The sender adds the recipient, then SENDS the funds. That is, SITTING IN THE LOG we add our self-registration
Reverse ACH - The recipient adds the sender, then REQUESTS funds. That is, SITTING IN THE RECEPTION we add the personal account, WHICH IS IN THE LOG

In this method, the log and self-registration are connected with mini-deposits.

MD (Micro-Deposits, Mini-Deposits) - a verification method when linking the log and self-registration. With direct ACH, they come to self-registration, with the opposite - to the personal account in the log. They look like replenishment of the account with TWO transactions, for example: $0.26 and $0.05. They arrive after ~ 2 business days. Holidays and weekends are not taken into account.

Second:​

Plaid - Modern system of transfers between accounts. Only the name is sent. Already present in many, but not all banks.

• Plaid - Stylish, fashionable and youthful. Faster, because you don't have to wait for mini-deposits. Knitted by logass. May ask for 2fa, both SMS and code by email. There is a very small list of Instant Plaid banks (Without 2fa).

The difference between these methods:

ACH - Knitted with mini-deposits according to AN RN. The process is longer, first we wait for the mini-deposits, then we wait for the transaction to go through. But it is sent easily and calmly.

AN (Account Number) - individual account number, always different. Can be found in the Personal Account
RN (Routing Number) - a common number for all accounts within one bank. Different for each bank. Can be found in the Personal Account, also easy to google

I will show the process using the example of knitting a small CU to a Lili VCC with straight ACH.

CU (Credit Union) - De facto exactly the same bank from which you can withdraw $$$. The only thing that is important for us here is that CU is processed pleasantly, there is often much less fraud (I sent any, everything arrived successfully).
Often the domain has the format ... cu.com/...cu.org
FCU (Federal Credit Union) - same as CU. Often the domain is in the format ... fcu.com/...fcu.org

Go to the Transfers tab (or Transfer Funds, or Move Money, it varies from bank to bank, the essence is the same).

Click Add Account (or Add Recipient, or Add External Account, it varies from bank to bank, the essence is the same). In the window that appears, fill in the data about our acceptance.

Account Type. We are asked to specify the account type at our reception. There can only be one - Checking. We put Checking

Nickname (Optional). The name under which our acceptance will be displayed in the personal account in the log. Either we don't set it, or we set something neutral, for example “Lili”, “My account”, etc.

Account Number - We climb into our reception and look at AN (You don't have to climb, when receiving data from your reception from the reger, you will also see AN)

Routing Number - We climb into our reception and look at the RN (You don't have to climb, when receiving data from your reception from the regulator, you will also see the RN)

Checking Account - Account type for everyday use. In the personal account there are often both checking and saving accounts. We will send only from checkings
Saving Account - A type of account for saving money.

Our acceptance is almost added. We exit the log and do not touch it anymore. We wait a couple of days (not taking into account holidays and weekends).

After a couple of days we look at the reception and find 2 mini-deposits.

Let's go to the log again.

Go to the Verify Account tab. Enter the denomination of both mini-deposits. The first one in the order will be the one that came EARLIER, that is, in the list of transactions it will be BELOW. Confirm.

Confirmed mini-deposits - acceptance successfully linked.

5.We make send

Go to the Transfers tab (or Transfer Funds, or Move Money, it varies from bank to bank, the essence is the same).

In the From field, select Checking or any other available one.

In the To field we select our acceptance.

Do not touch anything in the Date field.

DO NOT check the box in the Repeat Transfer field.

In the Amount field, enter the available amount (If the balance on the account is less than the limits (By this point you should know them, see point 1). If the balance on the account is more than the daily limit, enter the amount slightly less than the limit (If the limit is $3,500 per day, enter, for example, $3,450).

Leave the Memo field empty.

We confirm the transfer.

Congratulations. You've done 99% of the work. All that's left is to wait a couple of days until the delivery arrives for acceptance.

P.S. If the CH does not burn the transaction and does not cancel it. For each of our actions, be it binding the acceptance or sending the transaction, the CH receives a corresponding letter to the mail. Therefore, there must be a filter on the mail.)

6. We give the self-registration for processing

Did the delivery arrive at the acceptance point successfully? I'm proud of you.

Now bring your VCC for processing, but only to trusted services. There they will take your balance from your VCC, and in return they will send clean bitcoins or ethers or whatever you want to your wallet.

PS There are many services on the market, but choose only reliable ones. Ask for reviews from all sources.

For most VCC positions, the odds are 70-80% in your favor.

Dictionary, terminology

CH - cardholder, here - the owner of the bank account.
PA - Personal account of the bank
Any name - The names and other personal information of the CH in the log and self-registration are different. For the system, it looks like the account owner is sending money to another person in another bank.
Same name - The names and other personal information of the CH in the log and self-registration are identical. For the system, everything looks like the account owner has personal accounts in two banks/offices and sends money between his personal accounts.
Fullz - Necessary complete information about CH.
BA - Bank account.
VCC (Virtual Credit Card) in slang - an office aka a banking application that allows you to issue a VCC (Virtual Card).
Direct ACH - The sender adds the recipient, then SENDS the funds. That is, SITTING IN THE LOG we add our self-registration.
Reverse ACH - The recipient adds the sender, then REQUESTS funds. That is, SITTING IN THE RECEPTION we add the personal account, WHICH IS IN THE LOG.
CU (Credit Union) - De facto exactly the same bank from which you can withdraw $$$. The only thing that is important for us here is that CU is processed pleasantly, there is often much less fraud (I sent any, everything arrived successfully).
Often the domain has the format ... cu.com/...cu.org
FCU (Federal Credit Union) - same as CU. Often the domain is in the format ... fcu.com/...fcu.org
AN (Account Number) - individual account number, always different. Can be found in the Personal Account.
RN (Routing Number) - a common number for all accounts within one bank. Different for each bank. Can be found in the Personal Account, also easy to google.
MD (Micro-Deposits, Mini-Deposits) - a verification method when linking the log and self-registration. With direct ACH, they come to self-registration, with the opposite - to the personal account in the log. They look like replenishment of the account with TWO transactions, for example: $0.26 and $0.05. They arrive after ~ 2 business days. Holidays and weekends are not taken into account.
Checking Account - Account type for everyday use. In the personal account there are often both checking and saving accounts. We will send only from checkings.
Saving Account - A type of account for saving money.

That's all for now. Good luck!