Santander and Zelle have my funds!

Santander and Zelle have my funds — All you need to know.

 

We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be, and do better than we did yesterday.

Let me say that again and allow it to sink in

.
We don’t all have equal opportunity.
But we all have the opportunity to be better than what we currently are.
We ALL have the opportunity to be and do better than we did yesterday.

WE ALL have the opportunity to learn more today than we did yesterday
WE ALL have the opportunity to GROW more today than we did yesterday
WE ALL have the opportunity to become MORE than THEY thought we could become!

WE ALL have the opportunity to ATTRACT whatever we desire into our experience.
IT IS UP TO YOU
And you alone.
IF, you take responsibility for your life.
And seek the opportunities you wish to find,
 you WILL find them,
 and when you do: 
FIND THEM and CONQUER THEM.

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Okay, folks! I’m curious if this has happened to anyone else or if there is a problem on my end!

So, a few weeks back, I received a new debit card in the mail that was linked to my “#1” account. I had not yet activated it because my old card was still operational and had not yet expired! (I used it just yesterday.)

I was scheduled to receive a $2300 deposit yesterday!

My Zelle transfers ALWAYS go to my account “#2.” And always immediately.

I receive a text message informing me that the funds have been sent and will be placed into my bank account! I go to check, and there is nothing! When I phone Santander, they tell me there is nothing they can do and that the money is being held for 3-5 days since my new debit card has not been activated and must be operational for 24 hours in order for the transfer to be quick!

That makes no sense because the new card is not linked to the same account into which the cash were sent! THE CARD WAS ALSO STILL ACTIVE! So now I’m stuck since they wanted to hold my money hostage until Wednesday, when it claims my money will be available! I’m more than furious because I have three children and am already behind on my bills! I desperately needed that money yesterday!

Has this ever happened to anyone else? It defies logic for them to keep my money only because I hadn’t activated the new card on a different checking account than the one into which the transfer was intended to go!

And, of course, Santander claims that there is nothing they can do. Santander and Zelle have my funds

 

CANDID ADVICE

Activate your new credit card. Then call and speak with Zelle. To be honest, you’re probably stuck waiting, but they may be able to recall it, or the sender may be able to remember it.

Zelle, unlike Venmo, does not hold any funds. Calling Zelle is a waste of time. This is a bank problem. It appears that you’ve linked your debit card to your checking #2 account, which will most likely trip you up someday, but that’s a topic for another day.

Most likely, the bank has batch mode configured so that the data refreshes at a specific time or numerous times per day, as well as an institution rule requiring it to remain active for 24 hours.

Personally, I exclusively use Zelle to pay friends and family, like it is intended. Using it for something else is a dangerous endeavor. Whatever you do, don’t use it to buy or sell items from strangers. It’s riddled with deception.

This is totally right – Santander has done their part by transferring monies to Zelle for further transfer to the destination account.
Zelle is a temporary addition to the American banking system until a fully effective inter-account remittance service is available in mid-2023…

Okay, if I understand correctly, someone is transferring money to your Santander account and it hasn’t yet arrived. And you stated that Zelle has nothing to do with the Santander account associated with the debit card.

If what you said is right, this would be a sender zelle issue. Santander has nothing to do with it unless the sender included incorrect information when sending it to you. These payments are automated, so no one looks at it unless there are incorrect credentials or suspected fraud.

If a BSA department suspects fraud, they may withhold the deposit to investigate, leaving you with false responses like the one you received concerning a debit card because frontline will not know.

The debit card has nothing to do with Zelle.

Zelle is linked to the email and/or phone number you provided to your bank.

What is the current status of your accounts? Is it preventing all credits?

What relationship do you have with the individual who sent you the money? How frequently do you receive Zelle payments from this individual?

Often, the money is available right away, but if it is a particularly large amount in comparison to your overall balances and you don’t receive this much money very often, the transfer will show as pending on the teller’s screen, and they will be wary of letting you withdraw until it “hard posts” the next day.

If you have a track record of getting substantial Zelle payments, particularly from the same person, the teller will be more willing to release the funds.

I usually recommend that individuals use in-branch transactions rather than ATM deposits or Zelle transfers because in-branch transactions may be observed more promptly. While ATM deposits and Zelle are convenient services, they are best used in little quantities… not for emergency money that you need right away… unless you establish a transaction history with those types of payments.

ATM deposits and Zelle transfers take a little longer to display all of the information on the teller’s system, so the teller must verify your history to guarantee it isn’t fraud.

 

All three of my banking applications are down!!!

 

So I went to check my bank account with so and so, and their systems are down. And then I tried to check on both my Visa and Mastercard credit cards because I get paid at 12am EST, but my checking account was down anyway, so I needed to see how my credit cards were doing to know how much I needed to put and where??? However, all three of my bank’s servers have been down for the past two and a half hours. What exactly is going on? Can somebody assist me?

 

CANDID ANSWER

These banks do maintenance late Saturday or early Sunday. PNC works every weekend.

It’s also a holiday weekend, so they work on larger projects in case of complications.

 

Bank Foreign Currency Issue

I have a beginner’s inquiry. I’m going to Japan and wanted to buy some JPY because the rates are so low. I contacted Citibank’s currency line, and they quoted me 0.006415 purchase and 0.007289 sell rates.

They informed me that because they are selling the JPY to me, the 0.007289 sale rate should be used in calculating the equivalent USD to be deducted from my account.

Is this right? Instead, I was under the assumption that the buy rate should be applied. I’d be grateful if you could give some light on this. Thx. 🙏

 

CANDID ADVICE

They are selling to you rather than buying from you.

This is my second comment. Chase uses the same system.

I see. So they are correct to use the sell rate.

The bank is just interested in what is best for them. Why would the bank sell it for less than what they paid for it? That costs them money. Santander and Zelle have my funds

That’s a significant spread on USD/JPY. If you have a forex currency specialist nearby, you might wish to try them instead of a bank. I recently purchased JPY at 145.78 since I too require some walking around cash. Keep in mind that Japan is significantly invested in electronic NFT payments via local cards such as Suica and Pasmo, as well as mobile phones.

I understand. I expected to obtain a better rate as a Citigold client, but evidently not. What qualifies someone as a foreign currency specialist? If you don’t mind sharing, where did you obtain your JPY? Thx.

The best way to receive the greatest rate from Citibank is to use your ATM when you are already in Japan. Santander and Zelle have my funds

 

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