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Stealth Trip Up - New Bank Account?
 

Big 5000+ feedback eBay account suspended like a lot of people. Crying about it, but not wasting time trying to get back on. Most things seem easy enough (new phone number, IP address, physical address, etc.), but I'm just trying to have all of my ducks in a row before I try to open my new account so I don't waste unused information I plan on using.

The thing I don't understand how to get around is having your name on your new bank account and then attaching that bank account to a new eBay account because it's the same name on the suspended eBay account and will be the same name on your PayPal account.

Say your name is Bob Smith:

Suspended eBay name = Bob Smith
New Bank Account = Bob Smith
New eBay/PayPal name = Bob Smith

It seems like eBay would link and suspend these very easily. Am I wrong? Is there a way around this? I think this is the last thing I am missing before I try to get a new account so any help is appreciated. Thanks.

Re: Stealth Trip Up - New Bank Account?
 

You only add your bank account to paypal, not ebay.

Let me explain, you open a new bank account in your real name, bob smith.

When you attach it to paypal, use your stealth name. Paypal can not see the name attached to the bank account, they only see the account number and sort code.

Whenever adding information to paypal, ALWAYS use your stealth details.

Re: Stealth Trip Up - New Bank Account?
 

Welcome to the forums - stealth works - learn about it and apply it well - keep it simple

Re: Stealth Trip Up - New Bank Account?
 

So what about paying eBay fees? If you don't have your bank account attached to eBay you have to use a credit card which will have your real name on it.

Do you pay eBay fees with PayPal to get around this?

Re: Stealth Trip Up - New Bank Account?
 

You can either use your PayPal balance to pay your fees or you can use a VCC

Re: Stealth Trip Up - New Bank Account?
 

Be sure to use a bank that allows mismatching names for deposits. You don't want to upset your bank.

Re: Stealth Trip Up - New Bank Account?
 

So should you never put a credit card on your PayPal account to be stealth?

Re: Stealth Trip Up - New Bank Account?
 

No issue because ebay does not need a bank account.

BUT; paypal does.

You use your real ID to make a bank account.

You then attach the numbers of that bank account to your (stealth) paypal.
You make everything new name wise as well. No old info can be used.

Good Luck

:ranger:

Re: Stealth Trip Up - New Bank Account?
 

You put a cc on your PP account, yes BUT you use the cc in advance on eB to pay fees

Re: Stealth Trip Up - New Bank Account?
 

I used to have a paypal account under the details of a friend of mine (Credit card, name , etc) He really didn't care if his details were burned on ebay / paypal because he does not uses it nor intends to. They restricted me from selling on ebay for ever (not buying though) so my paypal is still working. I used to transfer money from my pay pal account to my bank (BOA) My PP is registered in Chile and the bank account is from the US (under my real name)
Never had an issue with pay pal or my bank when transfering money from PP to BOA. Even though names did not match. Guess the bank allows is and PP as other people says here in the forum has no way to know who is the owner of the account.:ballchain:

Re: Stealth Trip Up - New Bank Account?
 

Are you saying pay eBay fees with a credit card before they are actually due? Does this prevent eBay from finding out your information?

Also, some previously said to pay PayPal fees with PayPal balance.

Re: Stealth Trip Up - New Bank Account?
 

Yes, you can pay them before they are due. You can use the vcc to pay them, or the paypal balance.

Why let the amount you owe build up? Pay it off when you want, stay in control.

Re: Stealth Trip Up - New Bank Account?
 

Just butting in here and trying to re clarify something.

If i get a new bank account, new routing numbers etc. all i need to do is link it to pyapal via routing numbers with stealth names for paypal, then just pay ebay fees with my payapl balance, after that, i can just transfer pp balance to the routing number account and bam!
should work without being linked right?

If its true, could i use this same routing number for different pp accounts and use the stealth names for each pp account?

Re: Stealth Trip Up - New Bank Account?
 

Yes, you need a new bank account for each Paypal account that you have. 1 new bank per 1 Paypal (don't reuse the bank across multiple accounts). You add the routing number and the new account number and confirm it in whichever way you prefer.

And yes you can safely transfer your funds to your bank account but if you're using a completely random stealth name, you need to be sure that your bank is okay with mismatched names. Many banks don't care, but some definitely do and can reject the deposits and cause other problems.

You can use the same routing number - or to be more specific, you have to as most of the time everyone in your state that has an account at your bank will have the same routing number. In some cases, a bank only has one routing number for all of its account holders no matter what state they're in. The bank account number is the important part. That's what needs to be new/different each time.

Re: Stealth Trip Up - New Bank Account?
 

ok thanks, so one bank account per pp account.

I will have to check if the bank cares, I'm running out of similar names here.
Oh i get it, each bank account has maybe the same routing number but the bank account number is what distinguishes them.
thank you.

Re: Stealth Trip Up - New Bank Account?
 

All correct, also just a quick tip.....don't try to have too many accounts at 1 particular bank, spread out your accounts at different banks, being in So. Cal, we have a lot of options: BOA, WF, Chase, Credit Unions. Don't use Bank of the West....won't work.

Re: Stealth Trip Up - New Bank Account?
 

yea, i was thinking that too, just open a few accounts at every bank within my town, ill stay away from bank of west, thanks for the tip.

Re: Stealth Trip Up - New Bank Account?
 

Also be sure to spread the time between each bank. To my understanding, opening too many accounts at different banks will be a red flag for the chex system.

Re: Stealth Trip Up - New Bank Account?
 

so maybe one bank every week or 2 weeks?
if i open 2-3 new checking accounts at one bank at a time, will that raise flags?

Re: Stealth Trip Up - New Bank Account?
 

I recommend PNC and Chase

Ive opened and closed an ungodly number of accounts (dozen or more)

You can open the accounts online and they both have great features

Re: Stealth Trip Up - New Bank Account?
 

so I was gonna open an online checking account today at BOA and i was required a minimum deposit right away of $25, okay, but then i am needing to have a minimum balance of about 3-$500 or a deposit of some other odd amount. While I am starting to sell i don't know if these funds will be transferred every month and I'll just be charged fees.
Any other banks you guys recommend where a simple account just needs a one time entry fee? or are all other banks gonna be like this?

I just checked chase bank and that one require $1500 minimum balance daily!

Re: Stealth Trip Up - New Bank Account?
 

Most banks now have monthly fees, or require a minimum amount to waive the fees

Re: Stealth Trip Up - New Bank Account?
 

I will have to double check, just saw students under 23 get fees waived or a $12/month fee.
The weird thing is the checking account I have with BOA(was linked to a suspended account so I can't use it) has no minimum balances or monthly fees, I can't remember if I signed up as a student though.

Re: Stealth Trip Up - New Bank Account?
 

Yeah sometimes you can get grandfathered in. I opened my BOA account when I was in high school way back when they had different account types. They weren't charging any fees then (not even to normal checking accounts if I can recall correctly). Of course since then they added various monthly fees but I haven't had to pay any of them on my checking that I opened then, nor on my savings that I opened at the same time.

If you were in the military or you are related to someone who was, I suggest USAA. They don't have any minimum balance fees or monthly service fees, charge only $25 to open an account, and they allow mismatched deposits. They're basically like a credit union/major bank hybrid. All of the features of a large bank, but the customer service of a credit union.

If not then I recommend PNC. Their virtual wallet program would open you 3 accounts at once (checking and savings x2). The checking has a $7 monthly fee if you don't meet balance requirements but the savings doesn't have monthly fees. They're one of the cheapest I know among major banks that works well with stealth.

Re: Stealth Trip Up - New Bank Account?
 

I know you're not a bank teller, but since my current account has no fees, could I grandfather new accounts in it?
I will call and ask today, but just wanting a heads up.

Re: Stealth Trip Up - New Bank Account?
 

Opening 2-3 new accounts at the same bank shouldn't raise any flags (they might ask why).

For different banks, I would spread them out at least 2 weeks. Nothing (in my opinion) is worth risking a red flag.

Re: Stealth Trip Up - New Bank Account?
 

No I don't think so. I have opened a few accounts at BOA and they all have monthly fees. It's just my original checking + savings that doesn't seem to be charged monthly fees.

I tend to stick with savings accounts for my low volume stealths since the monthly fee (and requirements to waive the monthly fees) are lower. Downside is that you are only allowed up to 6 transfers from a savings account per month (and with some banks they don't even allow 6). I just do 2 transfers per month from my various savings into my main checking.

Re: Stealth Trip Up - New Bank Account?
 

Why bother with a physical bank to begin with? Most online banks are fee free and you can open/close from home. I've heard about some banks where you can generate subaccounts with new account numbers, so if one PP gets banned you just go generate a new one and you don't need to open and close accounts. But I'm not 100% sure on that, can someone back that up please?

Edit: Looks like it's about opening a 'supplemental' account that you can reserve specifically as a secondary account for this stuff. Opening and closing at a bank you're already at is a 5 minute process. I notice Alliant Credit Union lets you do this, do they allow mismatch?

Also, does the mailing address on the stealth account have to be the same as the bank's information about your address? I.e. can you open a bank account at 666 Maple Lane but successfully use it with a Paypal account that has your address listed as 111 Main St?

Re: Stealth Trip Up - New Bank Account?
 

Online only banks tend to not accept mismatched name deposits and in general do not work well with stealth. I'm sure there are many untested ones and/or ones that are not well documented, but the most popular online only banks (Ally and CapitalOne360 come to mind) are troublesome. And I also do know that Discover Bank doesn't work with mismatched names either.

If you use an online only bank that works with stealth, then that's great - but for most people it's a lot easier to just open an account at a major bank that is proven to work well with stealth, as a opposed to hoping that an untested bank works.

CapitalOne360 is about as close to your example that I can think of. You can open sub-accounts in a matter of seconds, but as I mentioned they aren't a good choice for stealth.

The address on your Paypal account doesn't need to match the address your bank has on file. Paypal does not know anything about your bank other than what you willingly tell them (i.e. your account number).

Re: Stealth Trip Up - New Bank Account?
 

Thanks plumsake2, that's perfect. I'll give Alliant a try since it's two clicks for me to open a supplemental account and run a test deposit from PP. It seems that Credit Unions are a little more lenient than other banks as well. If it doesn't work, no big deal - I'll open a major bank account somewhere.

Re: Stealth Trip Up - New Bank Account?
 

boa has $300 saving account with no fees

Re: Stealth Trip Up - New Bank Account?
 

PNC is also pretty cool, if you get there wallet they actually give you 3 banks in 1

Re: Stealth Trip Up - New Bank Account?
 

Ah this is good info! So when you add your personal 'real' bank details to the stealth PayPal account you just use the name of the stealth person and the real account number etc? And therefore when you pay your eBay fees via PayPal it's all clean?

Re: Stealth Trip Up - New Bank Account?
 

Hey there, I just opened up a Wells Fargo checking account and they will be sending me a visa debit card. Can I use that same card on my stealth paypal account instead of getting a virtual card? Thanks!

Re: Stealth Trip Up - New Bank Account?
 

A debit card like that won't work with stealth because it will fail AVS check. The name/address on your stealth Paypal isn't going to match the name/address Wells has on file, which is where the AVS check fail would happen.

Re: Stealth Trip Up - New Bank Account?
 

What happens when PAYPAL asks to verify with ID and SSN?