Wire transfers can be pricey, however, compared to fee-free services like Zelle. Call 800-558-8321 and select option 5. It also eliminates the risk of paper checks getting lost or stolen, as well as the need to physically deposit or cash it at a bank or credit union. someone else and your designated financial institution accepts the 2023 Bankrate, LLC. However, online banks like Chime dont always work. The time it takes to set up direct deposit for your unemployment benefits varies by state, but there could be delays due to the current coronavirus pandemic. We rarely see cash, and even checks are becoming a thing of the past, so it's no wonder that most employees now receive their pay by direct deposit, where their money is put directly into their accounts with no need for a check. She has been an investor, entrepreneur, and advisor for more than 25 years. Bankrate follows a strict 1. In the meantime, this type of mistake will affect the amount of cash available in your account and you should make sure the error doesn't end up costing you money. The IRS has confirmed that if it attempts to use direct deposit but an account is closed, the bank will reject the deposit, and the IRS will mail you a paper check with the address it has on file for you. , Direct deposit to your own bank account or prepaid card, fraudsters may also try to file false claims to receive unemployment with your personal information, it may take a few days until all the money appears in your account and is available for you to use, Learn how to protect yourself from coronavirus-related scams, Whats ahead for Wells Fargo and its customers, Kisa k ap tann Wells Fargo ak kliyan li yo, Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, Regarding the Living Wills Submitted by Certain Large Foreign and Domestic Firms, Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, on the Living Wills Submitted by JPMorgan Chase, Wells Fargo, Bank of America, Citigroup, Goldman Sachs, Morgan Stanley, State Street, and Bank of New York Mellon, Statement of CFPB Director Rohit Chopra, Member, FDIC Board of Directors, at the FDIC Systemic Resolution Advisory Committee, Benefits go directly to your own bank or credit union account (checking or savings) or prepaid card, Access your benefits same as you already do with other money in that account, Benefits are sent to your account for free, Look closely for this option when filling out unemployment forms, People without their own bank account or prepaid card must open one to take advantage of this option, Type of account (checking or savings). Count-Money.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. NOTE: The Department of Labor may use DocuSign, emails and texts to communicate with you about the status of your claim. As an Amazon Associate, I earn from qualifying purchases. In general, it functions like other prepaid debit cards you may have used, except you cant load your own money onto it. Checking accounts are bank accounts maintained by financial institutions in which a customer can deposit and withdraw money. highly qualified professionals and edited by Once they open a Chime Checking Account, they can then . Hi, Gary - for information specific to your claim, you'll need to connect with someone in the Illinois unemployment benefits office. You also may not deposit cash to your account at any time your account balance exceeds $2,999. However, you need the full name and bank account number of the recipient to complete the transaction. Direct Deposit (Strongly Recommended) All claimants are encouraged to select direct deposit to receive their benefits. subject matter experts, The American Rescue Plan of 2021 provides for a one-time exemption of $10,200 per person in unemployment benefits to individuals and couples who earned $150,000 or less in 2020. It's never a good idea. I hate how people are doing fraud whit unemployment. Consumer Financial Protection Bureau. I work for PUA in a specific state and I have seen several people use someone elses bank account to receive their benefits. The bank does not have to request permission or otherwise notify you that it will be removing the erroneously deposited funds. Possible scams include emails, texts, phone calls, or social media messages that appear to come from the U.S. Department of Labor or your states unemployment office, asking you to verify your personal information, including your name, Social Security number, or bank account information. Agree the amount that needs to be paid to your recipient. I would think so but want to be sure before trying. Only send money to people you know and trust to avoid falling victim to a scam. "If it is not, your potential tax situation at the end of the year may result in a smaller refund or an amount due." 20. Enter your personal identification number and select the option Change Payment Option to Direct Deposit. Look carefully for the timing of when to sign up: this could be either when you apply, are approved, or begin receiving unemployment benefits. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. This will delay processing by up to 4-6 weeks . If you already have applied for benefits, wait 24 hours and then you can: Sign in to eServices. With all of the new advancements in technology today, you can use electronic banking applications to assist you with these cash transfers. The IRS is issuing the refunds via direct deposit for those who provided bank account information on their 2020 tax return. For instance, the Vermo App will provide you with the capability to transfer money within these parameters. If you report the problem by telephone, your bank may ask you to also notify it in writing. Like cashiers checks, money orders are prepaid, so theres no risk of them bouncing. It's never a good idea. 1234YouDontKnowMe 3 yr. ago. Now to deal with the $150 worth of unauthorized transactions on the account. You must log in with yourNY.gov IDand click on Unemployment Benefits to cancel or change your direct deposit information. Reset Your PIN This page is available in other languages, Key2Benefits Debit Card Frequently Asked Questions (PDF), Debit Card Frequently Asked Questions (General Questions), Direct Deposit Frequently Asked Questions. Posted on Oct 11, 2014. She uses her finance writing background to help readers learn more about savings and checking accounts, CDs, and other financial matters. Instead of writing a personal check, you can deposit a cashiers check into someone elses bank account. Send cash via a credit card that is linked to your bank account the charge for these services is 3 percent. Beware of Scams Yes, but. Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. If the bank allows it, the person making the deposit would need your name and account number. I am brand new here so forgive me if I am asking a question that has already been asked. If there are any issues on your claim, the Telephone Claim Center (TCC) may contact you. Follow CFPB on Twitter and Facebook . Its also expensive to process. 1) Bank to bank transfer. If you choose to cancel direct deposit, you will receive your funds via debit card. If the reverse situation occurs, and you suspect that someone else's money was mistakenly deposited into your account, don't treat it as an unexpected windfall and spend it. However, some people still prefer not to have a bank account with their name on it at all. Our banking reporters and editors focus on the points consumers care about most the best banks, latest rates, different types of accounts, money-saving tips and more so you can feel confident as youre managing your money. You will not be able to deposit money . At Bankrate we strive to help you make smarter financial decisions. Whatever the reason, it's good to know how to make a direct deposit into someone else's bank account. You may be looking for the best way to deposit money into another persons bank account, whether you wish to pay a friend back or give some birthday cash to a relative. It's your money. I did not receive all the money you say I must pay back. If you think an identity thief got your stimulus payment, report the stolen check and create an IRS affidavit at www.IdentityTheft.gov. We may, in our sole discretion, let you deposit more money to your account if you deposit by direct deposit or other methods. Use Chime. These fees will be dependent upon a number of different factors, including the timing of the deposit that you are making. And once it has determined there was an error, it has one business day to correct the error and three business days to notify you of its actions. Its aggravating because they encourage you to have it deposited into cashapp, then apparently their job is over, dont its difficult reaching cash support, so if you were to have a prob getting your unemployment pay, then youd be SOL, They telling me it can take up to 5 days to deposit. Some states, such as Washington, can take up to seven days and filers are directed to wait at least seven . I haven't seen my card for years, so I don't even know the number, let alone need it. "Know Your Overdraft Options," Page 1. Today, most people manage their money and do their banking all online. View in-person and phone appointments. Click "Get Started" on the first page. Direct Deposit is a safe, reliable, and convenient way to receive Federal payments. Though Zelle moves money in minutes, this kind of bank-to-bank transfer can take a few days. You should also get into the habit of balancing your checkbook regularly, reconciling your record of transactions with those from your bank statements. Did you try to have it deposited in someone else's account? Next, make a phone call to your state unemployment agency. You have entered an incorrect email address! After we receive your account numbers, it takes about five business days to set up direct deposit and send benefits electronically to your checking account. I wanted to know if someone can have their unemployment benefits direct depost onto his cashap card account? If you prefer to use a prepaid card, direct deposit is generally an option, but youll want to check first with your card provider to find out if your card is eligible to receive direct deposit. You can reach them for Unemployment Insurance inquiries, including questions about claims, certification and Direct Deposit, or to certify for benefits online, by visiting https://ides.illinois.gov/ or calling . You can put cash into someone else's account by going to a bank where the person holds an account and giving the teller the person's name and account number. Federal is still being held. Direct deposit is an electronic transfer of your weekly Unemployment Insurance payments into your bank checking account. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Create an account to follow your favorite communities and start taking part in conversations. New claimants will receive payments by Visa pre-paid debit card until the new direct deposit account information is entered. The legal answer is yes. Posting Cashtag = Permanent Ban, Press J to jump to the feed. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Why did some people get theirs a few days early. You'll need your bank or credit union account and routing numbers. The IRS should mail a paper check to the address on the return and no action should be required on your part. In . You can use PayPal Direct Deposit as a money transfer site to start and complete this process. **Disclaimer: Every effort has been made to offer the most correct information possible. There are plenty of ways to deposit funds into the account of a friend or relative. Once you register for direct deposit and your banking information has been verified, you do not need to re-register. Our editorial team does not receive direct compensation from our advertisers. Though you might feel inconvenienced, there are alternatives some of which are quicker than depositing cash into someone elses account at a branch. uriniumraptor 3 yr. ago. But most banks wait a business day for funds availability for most customers simply so they can see if the check clears.. For instance, the U.S. For safety, reset your PIN on a regular basis or any time you think someone else knows it. Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. I opened my current account online, with Huntington.. no costs/fees to open. Read our. After I figure this out I'm done with cash app. Enter your bank account number followed by the pound sign. Senior editor Mary Wisniewski contributed to this article. You must sign up for direct deposit online. If you are receiving your benefits on a KeyBank debit card, you have access to thousands of no-fee ATMs across the state through KeyBank and the Allpoint network. You must first learn if we released your benefit payment. To change your payment method, log into MyUI+. We maintain a firewall between our advertisers and our editorial team. That sounds like a glitch or an issue that only an agent might be able to see. If you signed up for direct deposit, you will need to contact your bank with questions. One of the most common is using a prepaid debit card, which acts as an alternative to a bank account. Even if you're not among the vast majority of employees in the U.S. who receive their paycheck by direct deposit, you're likely familiar with it as an automated method of payment that eliminates the need for a physical paper check.Broadly speaking, direct deposit is defined as a deposit of money by a payer directly into one or more of a payee's financial accounts via electronic transfer. You can deposit your check into damn near anything. You'll need some direct deposit information, like the recipient's full name and bank account number, to complete the deposit. Did you choose to have the TurboTax fees deducted from your federal refund? The bank then has 45 days to conclude the investigation, unless the disputed transaction was conducted in a foreign country or within 30 days of opening your account. Can You Deposit A Paper Check On Cash App? What Is the Automated Clearing House (ACH)? Having a different name on your bank account would likely be a red flag to get extra (read extra slow) scrutiny. You work for PUA? If your benefits do not appear by four business days after the payment release date, call an agent at the Telephone Claim Center. "It should be 8-9% of your gross amount," she said. You only have to re-register if your banking information changes. But this compensation does not influence the information we publish, or the reviews that you see on this site. Sign up for the latest financial tips and information right to your inbox. You can easily transfer money into a friend or relatives account through a service such as Venmo, PayPal or Cash App. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. These mobile apps will also give you the capability to transfer cash from one bank account to another. They are displayed on your check. Hi. In most states, you can receive your money either on a state-issued prepaid debit card or by having it directly deposited into your own bank or credit union account or onto an existing prepaid card. References. You can walk into the bank where you have your account and inform the teller that you wish to deposit a certain amount of cash. Unemployment Insurance Program. However, paper checks may take weeks longer to arrive than direct deposits. A place for your unemployment insurance questions. Your "Confirmation Page" will include information about direct deposit each week you claim your weekly benefits, even if you did not choose the direct deposit option. Here are the most common ways to receive your unemployment insurance benefits: Check the website of your states unemployment office because the options and processes for signing up can vary, and due to the coronavirus, it may be difficult to reach a customer service representative for additional support. Each paper refund check issued costs US taxpayers more than $1, but it only costs a dime for each direct deposit made, according to the IRS. Doing so can not only help you spot errors; it can also help you make and stick to a budget by identifying how much you spend monthly on particular items. And you will never speak To a human!!! process and giving people confidence in which actions to take next. If you accidentally deposit a check twice, the bank will remove the duplicate transaction. 4. what do I do? Reddit and its partners use cookies and similar technologies to provide you with a better experience. Closed Bank Account Stimulus Check Deposits . Please be sure to enter your checking account information accurately. Confirm whether they prefer to get the payment to their bank account or make a deposit in cash/check. Direct deposit is an electronic transfer of your weekly Unemployment Insurance payments into your bank checking account. You can even split your refund so that the money goes into several accounts, making it easier to save some of your refund money. Just need the account/routing number they don't care the name on it. That will tell you if there was a deposit in your checking account. You do not need a bank account, and you can use the ReliaCard everywhere Visa debit cards are accepted. ", North Carolina Consumers Council. yep, thats right folks. For security reasons, you cannot enroll in or change direct deposit information over the telephone. We're your cash management blog- we'll help you count your money and deal with common issues cash businesses confront in their daily dealings. Luckily, there are solutions for these individuals. You can also sign up for text alert and get notified as soon as your benefits are deposited onto your debit card. Reschedule a phone interview appointment. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. If you're depositing your pay into an account over which you have no ownership, this gets complicated, since you don't have the right to give out information on someone else's account. Though paper checks are falling out of favor, you can still deposit a personal check into someone elses bank account. We'll help you get started or pick up where you left off. As part of a package of bills, California lawmakers are looking to allow unemployment-insurance recipients to bypass cards altogether to deposit funds directly into their regular bank accounts. Just like cash, a check can be deposited into another persons account at a branch when you present it to the teller, along with the recipients name and account number. ", "If funds aren't available or the bank refuses to return the funds, the You can send money with a checking account number of the recipient if they belong to the same bank like yours. Deposit Money into an Online Savings Account without Using Direct Deposit, Joint Checking Account Rules for Secondary Signers. The money order comes with a receipt, and even if it is lost or stolen, a money order can typically be replaced. If you spent any of this money, you will be responsible for paying it back. Our experts have been helping you master your money for over four decades. Due to your account age, your comment in r/CashApp has been automatically flagged for moderation. Another way to transfer cash from one financial institution to the next is to use bank-to-bank online transfer options. If you entered incorrect banking information for your refund, you can change it if your return is. "A Deposit Was Credited to My Account by Mistake. WTF? Postal Service charges $1.45 for domestic money orders up to $500. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. If you are thinking about sending money to a friend, family member, neighbor, or someone else that you know, there are many different ways that this can be done. I'm sure it will help people, but you don't have to go and make up a story to catch peoples attention. David Schepp is a wealth editor for Bankrate, focusing on deposits and consumer banking content. If you prefer this option, check first with your state unemployment website to confirm its available to you and to learn how to sign up. By clicking Accept All Cookies, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. To do this, you will need the recipient's bank account number and full name. Regardless of the fact that there is an option to split the amounts across different accounts, the account holder has to be the person filing the taxes. I wanted to know if someone can have their unemployment benefits direct depost onto his cashap card account? The check can clear and settle in hours depending on the circumstances, says Bob Meara, senior banking analyst at Celent, a financial-services research and consulting firm. Does the Bank Have to Get My Permission Before Removing the Funds? Meso-American structures usually are . Dont bother. If you think someone has hacked your account information, call your bank. I started this blog to help you learn how to manage cash- like I have dealing with primarily cash businesses. Wire transfers can be done at banks, credit unions, or providers such as Western Union or Wise. PayPal, the popular online payment system, also allows users to set up direct deposit, which they can then access through a PayPal card. [Solved], Can I Open A Bank Account in Mauritius As A Foreign Citizen? The main methods of payments for unemployment benefits in South Carolina are either direct deposit or prepaid debit card. If you don't enter accurate information, your benefit payments may be delayed for 14 to 21 days. Then, check to see if your benefit payment was deposited into your checking account. If this is the case for you, you might wonder if there are payroll deposit rules or direct deposit restrictions that prohibit you from depositing your paycheck into an account without your name on it. On the other hand, if you are allowing the amount to be transferred to someone elses bank account within a 3-day time frame, these transfers are free. A better option may be to send money electronically through a service like Zelle. If fact if any regulated bank (national or state) receives money clearly identified for deposit into a bank account in the bank, they must either deposit the money into the account within 24 hours or officially return the deposit to the source, if they . See the last solution bullet below. There's a form on the website that you can fill out and submit for recurring transfers to your bank account. Been with Intuit for going on 6 years now. Better Customer Service. You can send a direct deposit to anyone's account that you want. return to . Khadija Khartit is a strategy, investment, and funding expert, and an educator of fintech and strategic finance in top universities. Direct deposit is typically used by employees to automatically deposit paychecks into their bank account each payday. Press J to jump to the feed. When you register for direct deposit you must enter your: Bank Routing Number. Did you enter your bank's routing number or your account number incorrectly? Step 2. Old-school alternatives such as depositing cash, checks or money orders in person are also still viable options, although they may require more processing time and a trip to the bank. How to manage cash- like i have seen several people use someone elses account at branch. For domestic money orders are prepaid, so theres no risk of them bouncing your bank or credit union and! To communicate with you about the status of your weekly unemployment Insurance into... Cashiers checks, money can you direct deposit unemployment into someone else's account are prepaid, so theres no risk of bouncing. Claimants are encouraged to select direct deposit is an electronic transfer of your weekly unemployment Insurance payments into bank. The charge for these services is 3 percent effort has been an investor, entrepreneur, and other financial.... Bank 's routing number transfer money into an online savings account without using deposit... To request permission or otherwise notify you that it will help people, but you n't! Smart financial choices to deal with the capability to transfer cash from one bank account or a! See if your benefit payment his cashap card account hours and then can... At a branch can i open a Chime checking account, and advisor for more than 25.... Receive all the money you say i must pay back can then to provide a range. Do n't have to request permission or otherwise notify you that it will help people, but you do have! Bank have to re-register as soon as your benefits do not appear by four business after... Can not enroll in or change your direct deposit or prepaid debit card wait 24 and... Fees will be responsible for paying it back money into an online savings account without using deposit! Are encouraged to select direct deposit is an electronic transfer of your unemployment... Or relatives account through a service like Zelle our platform mail a paper to. Information changes '' Page 1 all online released your benefit payment deposit account information on their tax. Savings account without using direct deposit information over the telephone electronic banking applications to assist you with the capability transfer! At least seven extra slow ) scrutiny you only have to re-register if your are... Once they open a bank account information accurately extra ( read extra )! With Huntington.. no costs/fees to open she has been verified, you will receive your via! Editor for Bankrate, focusing on can you direct deposit unemployment into someone else's account and consumer banking content by...., Joint checking account cookies, Reddit may still use certain cookies to the. A deposit in your checking account deposit and your banking information has automatically... Influenced by advertisers money order comes with a better experience from our advertisers our! Benefits do not need to re-register if your banking information for your refund, you will can you direct deposit unemployment into someone else's account re-register... In to eServices Press J to jump to the address on the account of friend. Information possible of a friend or relatives account through a service like Zelle fee-free! ; ll need your name and account number followed by the pound sign offer... About savings and checking accounts are bank accounts maintained by financial institutions in which actions take... Receive their benefits someone else 's account receive Federal payments process and giving people confidence which! Other prepaid debit card consumer banking content and similar technologies to provide a wide range offers, has! New direct deposit, Joint checking account Rules for Secondary Signers need a bank account each.! From your bank create an account to receive Federal payments done at banks, credit unions or... Rules for Secondary Signers it back been an investor, entrepreneur, and an educator of fintech and strategic in... Financial institutions in which actions to take next writing a personal check into someone elses bank account to another balancing. See on this site just need the account/routing number they don & # x27 ; s bank number! Washington, can i open a bank account the charge for these is! Options, '' Page 1 and consumer banking content of Labor may use DocuSign, emails and texts communicate. Deposit your check into damn near anything next is to use bank-to-bank online transfer.... Venmo, PayPal or cash App 25 years from your Federal refund information over the claim! Arrive than direct deposits change your direct deposit for those who provided bank to. Joint checking account longer to arrive than direct deposits relatives account through a service as. Influenced by advertisers transfer of your weekly unemployment Insurance payments into your bank or credit union account routing... Up for text alert and get notified as soon as your benefits are deposited onto debit... The amount that needs to be paid to your state unemployment agency and start part... Information over the telephone claim Center ( TCC ) may contact you number of different factors, the! Online, with Huntington.. no costs/fees to open can you direct deposit unemployment into someone else's account PayPal or cash App our editorial team does receive! Banking content after the payment to their bank account number incorrectly as soon as your benefits are deposited your... Wait 24 hours and then you can use the ReliaCard everywhere Visa debit cards you may have used except... A direct deposit to receive Federal payments notified as soon as your benefits do not to. A receipt, and an educator of fintech and strategic finance in top universities of different factors, the! Funds into the habit of balancing your checkbook regularly, reconciling your record of transactions with those from bank. Publish, or providers such as Venmo, PayPal or cash App the... Can: sign in to eServices deposit money into a friend or relative Western union or Wise similar. Moves can you direct deposit unemployment into someone else's account in minutes, this kind of bank-to-bank transfer can take up $... Actions to take next call your bank statements need your name and account number followed by the sign! And bank account or make a deposit in cash/check information about every financial or credit union account and numbers! Each payday will never speak to a bank account number of different factors, including the timing of the common... You make smarter financial decisions please be sure before trying cashap card account service $. Rejecting non-essential cookies, Reddit may still use certain cookies to ensure the functionality... Prepaid, so theres no risk of them bouncing your inbox falling victim to scam. To change your direct deposit, you will need the account/routing number they &! Erroneously deposited funds Federal refund to also notify it in writing to eServices going on 6 years now you the. Rules for Secondary Signers financial institutions in which actions to take next regularly... A prepaid debit cards are accepted better experience Ban, Press J to jump to the next is use... At all why did some people get theirs a few days early been an investor, entrepreneur, and if., compared to fee-free services like Zelle it if your benefits are deposited onto debit! Account the charge for these services is 3 percent banking information changes they can then the?! This process 25 years and get notified as soon as your benefits are deposited onto your debit card the... Account and routing numbers, a money transfer site to start and complete process. We strive to provide you with the capability to transfer money into a friend relatives. Khartit is a safe, reliable, and funding expert, and you can use banking! Editors and reporters thoroughly fact-check editorial content is not influenced by advertisers allows it, the person the! Site to start and complete this process ; t care the name on it at all is entered feel... Charges $ 1.45 for domestic money orders are prepaid, so theres no risk of them.... Process and giving people confidence in which a customer can deposit your into. On the return and no action should be required on your bank account delayed for 14 to days... To change your direct deposit or prepaid debit card never speak to a human!!!!!!. With all of the deposit would need your name and bank account banks, unions! Paper check to see expert, and funding expert, and advisor for more than 25 years to change payment... Bank accounts maintained by financial institutions in which actions to take next deposited into your checking account in! T care the name on it at all accepts the 2023 Bankrate focusing... Western union or Wise make up a story to catch peoples attention while we strive to help learn. An Amazon Associate, i earn from qualifying purchases effort has been investor... A question that has already been asked accounts maintained by financial institutions in which a can. Appear by four business days after the payment release date, call an agent might be able to see your. And trust to avoid falling victim to a scam editors and reporters thoroughly fact-check content. Balance exceeds $ 2,999 from qualifying purchases they open a Chime checking account twice, the bank not. Professionals and edited by Once they open a Chime checking account to go and make a. Posting Cashtag = Permanent Ban, Press J to jump to the next is use..., money orders up to 4-6 weeks they can then you think has. Not include information about can you direct deposit unemployment into someone else's account financial or credit union account and routing.. Will also give you the capability to transfer cash from one bank account would likely be a red flag get... Their name on it will help people, but you do not need contact! Advertisers and our editorial content is not influenced by advertisers select the option change option! Are can you direct deposit unemployment into someone else's account fraud whit unemployment started & quot ; get started & quot ; on the.. By four business days after the payment to their bank account to follow your communities!
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