BOA just closed my bank account without notice. Any friendly banks I can call? - GoFuckYourself.com

Socks · 11-18-2014, 04:06 PM

I'm Canadian. I literally got on a plane and flew to Las Vegas last week to open a bank account. Took 30 minutes, had a card, all was good. They mailed me my documents on the 12th (new card, etc). By the 14th they closed the account. I hadn't even used it yet, just put $100 in at the bank when I opened it.

They won't tell me why. New business too.. No history. No idea.

Where next?

baddog · 11-18-2014, 04:14 PM

Homeland Security is fighting the terrorists from the north.

TidalWave · 11-18-2014, 04:17 PM

Online Banking | CDs | Money Market | Savings and Checking | Ally

Socks · 11-18-2014, 04:23 PM

Quote:

Originally Posted by TidalWave

Online Banking | CDs | Money Market | Savings and Checking | Ally

Ally doesn't do business accounts, it's personal only. Wish I could use them. :/

directfiesta · 11-18-2014, 04:27 PM

I have my accounts at TD Bank ... but those were opened BEFORE 9/11 ... it was a different ball game then .

TrashyGirl · 11-18-2014, 04:50 PM

talk to Wells Fargo

Socks · 11-18-2014, 05:06 PM

Quote:

Originally Posted by directfiesta

I have my accounts at TD Bank ... but those were opened BEFORE 9/11 ... it was a different ball game then .

lol cool story:

I bank with TD Bank here in Toronto.. Y'know..Toronto Dominion bank. My sister is a bank manager there.

So I called TD Bank in the US, and they want me to fly to their branch to open an account to verify I'm me. I explain that I can walk 3 minutes to my local branch where I've had an account since I was born, and the bank manager there can verify me. No dice. Get on an airplane.

But then I speak to someone higher up, and even that wouldn't be enough. They need to send people to my "location" to see what I'm up to. I explain about the internet. They say they can visit my home office...

:P

I literally called the Ombudsman in Canada, and no help.

So I tried with BMO in the USA, and they can verify me remotely. How? They call TD Bank and get them to sign a form saying my signature matches etc. BMO trusts TD to verify I'm me. But TD doesn't trust TD to verify I'm me.

Ohhhh policy, you so silly.

pornlaw · 11-18-2014, 05:20 PM

Welcome to Operation Chokepoint. Obama & Cos way of getting rid of industries they don't like...

Rochard · 11-18-2014, 05:26 PM

Quote:

Originally Posted by pornlaw

Welcome to Operation Chokepoint. Obama & Cos way of getting rid of industries they don't like...

Um.... I bank with BOA and have no problems. In fact, my business account - which is ALL PORN - has no issues.

Jim_Gunn · 11-18-2014, 05:34 PM

Quote:

Originally Posted by pornlaw

Welcome to Operation Chokepoint. Obama & Cos way of getting rid of industries they don't like...

Wouldn't it be more likely that his bank account was closed down because he is Canadian or at least not a U.S. citizen than anything else? Most of us here on the board that work in adult have had or still have bank accounts with B of A and other major U.S. banks without issues. Of course I am aware that it has happened to certain people, but it seems like an really odd thing for you to ascribe a mundane thing like this person's closed bank account to President Obama or Operation Chokepoint when a simpler explanation makes more sense.

BlackCrayon · 11-18-2014, 05:40 PM

Quote:

Originally Posted by Rochard

Um.... I bank with BOA and have no problems. In fact, my business account - which is ALL PORN - has no issues.

they probably don't care about sub $1000 accounts.

Tekkno · 11-18-2014, 05:44 PM

Since you are not american, no problem to open an account @ europacbank dot com

ravo · 11-18-2014, 05:50 PM

Just wondering: Why do you, as a Canadian (and as a Canadian company, I assume) need a US bank account? I'm am Canadian too, and the LAST place in the world I'd want a bank account (either corporate or personal) is in the US.

Forest · 11-18-2014, 05:56 PM

RBC has locations in the US

directfiesta · 11-18-2014, 06:40 PM

Quote:

Originally Posted by ravo

Just wondering: Why do you, as a Canadian (and as a Canadian company, I assume) need a US bank account? I'm am Canadian too, and the LAST place in the world I'd want a bank account (either corporate or personal) is in the US.

Agreed .... But if you want to have a merchant account to process with Netbilling or others, you need a US account, and that includes Epoch , CCbill , etc ...

The trick is to get the $$$$$$ out of there asap !

robwod · 11-18-2014, 06:46 PM

Quote:

Originally Posted by ravo

Just wondering: Why do you, as a Canadian (and as a Canadian company, I assume) need a US bank account? I'm am Canadian too, and the LAST place in the world I'd want a bank account (either corporate or personal) is in the US.

I am Canadian and I have a US Dollar Visa Card as well as a USD Bank account, all through TD Canada Trust. having a USD bank account allows you to deposit US cheques and trasnfer over to your Cndn Dollar account at a favourable rate while also allowing you to pay down your USD Visa card with US currency. So, no exchange rates. In this way, you can easily, and conveniently deal with US based hosting, domains, etc.

Quote:

Originally Posted by Socks

lol cool story:
So I called TD Bank in the US, and they want me to fly to their branch to open an account to verify I'm me. I explain that I can walk 3 minutes to my local branch where I've had an account since I was born, and the bank manager there can verify me. No dice. Get on an airplane.

Interesting. I am in Nova Scotia, with TD Canada Trust. I simply made an appointment to open what is a called a Borderless Account. I use that to deposit all of my US cheques as well as pay my US VISA card. I have everything with TD Canada Trust (and have for 30 years, using both TD and Canada Trust since the 80's).

Quote:

Originally Posted by directfiesta

I have my accounts at TD Bank ... but those were opened BEFORE 9/11 ... it was a different ball game then .

Hmm, I applied for my US VISA card only 3 years ago without issue. It was just a simple credit card application that I did right in the local branch. And I was approved while I waited. I did it the same time I was getting a new mortgage.

directfiesta · 11-18-2014, 06:56 PM

Quote:

Originally Posted by robwod

I am Canadian and I have a US Dollar Visa Card as well as a USD Bank account, all through TD Canada Trust. having a USD bank account allows you to deposit US cheques and trasnfer over to your Cndn Dollar account at a favourable rate while also allowing you to pay down your USD Visa card with US currency. So, no exchange rates. In this way, you can easily, and conveniently deal with US based hosting, domains, etc.

Interesting. I am in Nova Scotia, with TD Canada Trust. I simply made an appointment to open what is a called a Borderless Account. I use that to deposit all of my US cheques as well as pay my US VISA card. I have everything with TD Canada Trust (and have for 30 years, using both TD and Canada Trust since the 80's).

Hmm, I applied for my US VISA card only 3 years ago without issue. It was just a simple credit card application that I did right in the local branch. And I was approved while I waited. I did it the same time I was getting a new mortgage.

All this is US$ cards/accounts but with a Canadian Bank in Canada . Most anybody can get that .

The OP issue is opening a business account with a US bank in the US ....

When I say I have an account in the US with TD Bank, it is not ythe same as Canada Trust TD ,,, even tough they are '' cousins '' ... TD Bank is an american bank.

robwod · 11-18-2014, 07:10 PM

Quote:

Originally Posted by directfiesta

All this is US$ cards/accounts but with a Canadian Bank in Canada . Most anybody can get that .

The OP issue is opening a business account with a US bank in the US ....

When I say I have an account in the US with TD Bank, it is not ythe same as Canada Trust TD ,,, even tough they are '' cousins '' ... TD Bank is an american bank.

Oh, ok, I misunderstood. But yes, t's easy to get a US VISA card and borderless account. I have my business accounts with TD, one of which is US based and all of my cheques are US/International wires are just deposited there (clients, affiliate programs, etc).

Socks · 11-18-2014, 07:40 PM

Quote:

Originally Posted by robwod

Oh, ok, I misunderstood. But yes, t's easy to get a US VISA card and borderless account. I have my business accounts with TD, one of which is US based and all of my cheques are US/International wires are just deposited there (clients, affiliate programs, etc).

Yeah it's like he said. I also have a borderless account, keep a $5000 balance, have USD and CAD accounts, and a USD visa.

But I need a US bank account for my US LLC.

Socks · 11-18-2014, 08:13 PM

Looked through a stack of affiliate checks tonight and lots were from BOA.. I think I'll try a smaller credit union or something. Gonna drive across the border tonight and see what happens tomorrow morning. I'm thinking Buffalo is a bad idea though, because I bet in NY they have more hoops than normal due to 9/11

Faboo · 11-19-2014, 02:43 AM

wtf, really?

11-18-2014, 04:06 PM	#1
Socks Confirmed User Industry Role: Join Date: May 2002 Location: Toronto Posts: 8,478	BOA just closed my bank account without notice. Any friendly banks I can call? I'm Canadian. I literally got on a plane and flew to Las Vegas last week to open a bank account. Took 30 minutes, had a card, all was good. They mailed me my documents on the 12th (new card, etc). By the 14th they closed the account. I hadn't even used it yet, just put $100 in at the bank when I opened it. They won't tell me why. New business too.. No history. No idea. Where next?

11-18-2014, 04:27 PM	#5
directfiesta Too lazy to set a custom title Industry Role: Join Date: Oct 2002 Location: Punta Cana, DR Posts: 29,585	I have my accounts at TD Bank ... but those were opened BEFORE 9/11 ... it was a different ball game then . __________________ I know that Asspimple is stoopid ... As he says, it is a FACT ! But I can't figure out how he can breathe or type , at the same time ....

11-18-2014, 04:50 PM	#6
TrashyGirl Confirmed User Industry Role: Join Date: Apr 2010 Posts: 1,401	talk to Wells Fargo __________________ Wham Bam Thank you Cams!

11-18-2014, 05:20 PM	#8
pornlaw Confirmed User Join Date: Feb 2007 Location: Los Angeles, CA Posts: 1,852	Welcome to Operation Chokepoint. Obama & Cos way of getting rid of industries they don't like... __________________ Michael www.AdultBizLaw.com

11-18-2014, 05:50 PM	#13
ravo Confirmed User Industry Role: Join Date: Jun 2001 Location: Skype: ravo.fpctraffic Posts: 5,435	Just wondering: Why do you, as a Canadian (and as a Canadian company, I assume) need a US bank account? I'm am Canadian too, and the LAST place in the world I'd want a bank account (either corporate or personal) is in the US. __________________ AdultAdBroker - Buy and Sell Your Flat Rate Banners, Links, Tabs, Pops, Email Clicks and Members' Area Traffic - updated May 2025

11-18-2014, 04:14 PM	#2
baddog So Fucking Banned Industry Role: Join Date: Apr 2001 Location: the beach, SoCal Posts: 107,090	Homeland Security is fighting the terrorists from the north.

11-18-2014, 04:17 PM	#3
TidalWave Confirmed User Industry Role: Join Date: Sep 2007 Location: Los Angeles Posts: 2,706	Online Banking \| CDs \| Money Market \| Savings and Checking \| Ally

11-18-2014, 05:44 PM	#12
Tekkno Registered User Industry Role: Join Date: Nov 2014 Location: http://youtu.be/liD0w2mkyzw Posts: 72	Since you are not american, no problem to open an account @ europacbank dot com

11-18-2014, 05:56 PM	#14
Forest Confirmed User Industry Role: Join Date: Aug 2001 Location: Hollywood Fl. Posts: 8,973	RBC has locations in the US

11-18-2014, 08:13 PM	#20
Socks Confirmed User Industry Role: Join Date: May 2002 Location: Toronto Posts: 8,478	Looked through a stack of affiliate checks tonight and lots were from BOA.. I think I'll try a smaller credit union or something. Gonna drive across the border tonight and see what happens tomorrow morning. I'm thinking Buffalo is a bad idea though, because I bet in NY they have more hoops than normal due to 9/11

11-19-2014, 02:43 AM	#21
Faboo Registered User Industry Role: Join Date: Mar 2014 Posts: 29	wtf, really?