Problem guides
Find the right next step.
Start with the situation you see. Each guide explains the possible scenarios, evidence to keep and where to go next.
Bank account frozen or restricted
Find out why a bank account may be frozen or restricted, what evidence to check, and how to separate bank security reviews from legal levies or garnishment.
Bank closed my account
What to do after a bank or credit union closes your account: protect remaining funds, handle pending payments, review notices and check specialty reports.
Checking account denied
Learn why a checking account application may be denied, how ChexSystems or other reports can be involved, and what to check or dispute next.
Bank identity verification problem
Troubleshoot bank identity verification failures by checking name, address, ID, tax-ID and channel requirements before retrying or escalating.
Check deposit hold or extended hold
Understand check deposit holds, availability dates, exception rules and deposit channels, plus what to check when posted funds are not yet available.
Mobile deposit rejected, failed, or delayed
Troubleshoot mobile check deposits that are rejected, pending or held by separating image acceptance, final verification and funds availability.
ACH pending, returned, or reversed
Diagnose ACH transfers by direction, originator and status, then check returns, reversals, posting, verification and funds availability before retrying.
Zelle pending, under review, or restricted
Troubleshoot Zelle by checking recipient enrollment, bank-specific status, review delays, completed payments, cancellation limits and scam warning signs.
Credit union eligibility
Understand credit union eligibility by employer, family, geography, military or association, and verify the exact field-of-membership rule before applying.
How to join a credit union and what documents you need
See the steps to join a credit union, including eligibility proof, ID and tax-ID requirements, membership shares, association routes and application channels.
Bank account opening requirements: SSN, ITIN, ID and funding
Compare common bank account opening requirements, including SSN or ITIN paths, accepted ID, address rules, funding and online versus branch channels.
How to complain about a bank or credit union and choose the regulator
Choose the right regulator for a bank or credit union complaint, prepare a clear evidence trail and understand when CFPB, OCC, FDIC, Fed or NCUA may apply.
Wire transfer pending, delayed, rejected, or returned
Troubleshoot a wire transfer by checking domestic or international direction, cutoff, beneficiary details, status, return reason and bank-specific instructions.
Direct deposit missing or returned
Trace a missing direct deposit by confirming the payer sent it, checking effective date, routing and account details, ACH trace data and receiving-bank status.
Unexpected bank fee or fee changed
Check an unexpected bank fee against the current account disclosure, waiver terms and transaction type, then gather the records needed to request correction.
Bank or credit union merger, name change, closure, or account migration
Use FDIC or NCUA identity records to verify a bank or credit union merger, rename or closure, then check routing, login, account and migration instructions.