Forum

Update of mismatch banks
 

1. I used the mismatch search. The 4th most recent item with a list of mismatch banks is 2012. The first three search items say go search.

2. Someone suggested another bank, but that was from 2012. It is not on the list.

3. Can we please have a definitive, updated list on which banks work with mismatch - and which banks can be opened online?

4. If people keep asking this question, it just clogs the forum. Could we not have a sticky faq that gets updated every month and maybe on that same faq a list of banks not to use.

Thanks.

The problem is this:
This so called List of Banks change constantly, What banks work today may not work tomorrow.

Best thing to do is....Do your own research, try banks yourself, we can't all be guinea pigs for the rest.

I'll be honest, I have several banks I use that I don't share, why? because eventually everyone will be using them and burning them.

I understand you're reasoning, but it's sad.

The whole point of creating a stealth forum and encouraging people to buy the book, is so they can be really, truly stealthy.

Otherwise, it becomes a clique. And the people who buy into it, believing they have the very best resources, are actually clipped on many resources - and updated ones.

No wonder no one wants to say and gets annoyed when newbies ask. Because if you really want to help another person, you just do.

Granted, you don't want to lose your benefits if 100 people run to your bank and suddenly they burn the bank and you can't mismatch anymore cause you tried to help somebody.

It's getting the money from PP into banks that is the hardest. If other people had to do the leg work and find out which work - then that's supposed to be okay cause that's why we have this forum, to help.

and how mismatched can they be? can you be zero hero, or do you have to use a variation of spelling like caramel vs carmel? johnson v johnason?

There's also a difference between...Spoon Feeding, and helping. The ebook is a stepping stone to going stealth, the book cannot possibly give as much information as provided in the forum...otherwise the book would be 100,000+ pages long!

I'm pretty sure if I search for Possible Banks that work with stealth I will find them. It gets daunting repeating the same info over, and over, and over, seems like a lot of people just want to be spoon fed.

Those can work coupled with change/new other registration info

Not sure why you are looking for mistmatch names?

Below are a couple of threads. Now I have a slight advantage because I know to use different search criteria.

All of us need to practise with SEARCH. That way we learn. First URL has a ton of info for you :peace:


http://www.aspkin.com/forums/paypal-...k-stealth.html


http://www.aspkin.com/forums/paypal-...t-opening.html

Your bank account must always be made with your real ID.

oh, i meant on the PP site. i know to only open an bank with your name. i suppose some people may think otherwise, but if your name is not Michael and cannot be shortened to Mikey or it's Mit Rahm - do you say Mite Raehm on PP?

Thanks. Those lists go back to 2012. Someone added netspend as a mismatch acceptable and it's not. so does that mean if they added PNC, for example,which they did a) in 2013 in PNC still accepting mismatches and b) if they said Netspend works as a mismatch, and it doesn't, are the other 4 banks they list going to work?

Also, telling people to run around and "test" and find out. That's mean. We're asking for help cause that's what the forum is for. That's like going to a forum that tells you not use certain herbicides and you ask for a list and people say go figure it out yourself.

The last thread I quoted is less than one month old.

Info in that thread would indicate what I call working banks.

It indicates these are banks that accept mismatched deposits.

What I would ask is what type of account (paypal/ebay) are you considering creating?

That response would determine which (type of) bank to use.

Yes listen to GreenBean that is a brand new thread , it's all your looking for in that thread.

I also told you Bank of America works great In the pm I sent you, not sure what ur looking for but everyone is handing you the information directly to you, we can only give you the info you will need to do the work.

I told you Bank of America works great and easy to open, I opened two accounts an hour ago laying in bed, great stealth bank. I also explained to you about visa vanilla for your VCC , you have all the info it's time to get to work

yes, you did. both. thanks. i understand the vanilla card now. i appreciate the BOA suggestion, too. and i looked up all the GreenBean listed threads.

i called corp at BOA because no one answered the phone to ask about the difference between echecking and regular checking, they transferred me to sales and said i could set up an account over the phone. however, they said i did not verify and would not even ask me the 5 credit security questions.

i'm no kid so there is no reason why my name and ssn would not match, perhaps it was the recent address - but usually if the address is not last year's address, they will ask you 5 security questions. she said i had to go into the bank in order to open the account. which is no problem, i don't mind going into the bank, but i prefer not to.

i have a US Bank and someone said they opened other US bank accts after their initial account was opened. online, it said you have to "apply" - it just won't open an account for you.

in fact, i could use the us bank but i could not mismatch.

and, yes, as you say, it is time to get to work. that was a nice way of saying it. :)

That's strange BOA told u to go in , just last night it took me a few minutes online on my phone and I had a choice of opening 1-10 accounts I just opened 2 echecking, and echecking accounts are perfect for stealth you do all transactions online and use the ATM to make withdrawals and deposits, basically never go in to use a teller and you won't get charged a monthly fee.

I opened a echecking and savings about 2 months ago and 2 more last night and that's all I will do with BOA for long time , not good to have all your eggs in one basket.

BOA I highly recommended I have many accounts spread over 12-13banks and in my experience they work great with deposits in different names and the highest deposit I sent at one time was $200, and it was faster than any other bank , I withdrew on a Sunday late night and money was there 25 hours later. Two micro deposits took 12 hours.

So it's worth going in to the bank if they need you too. Than once u open the first you can open the rest online easy , I guess I just was lucky

And again do not open up 10 accounts with one bank in a month , use many different banks and use different techniques when creating accounts.

Learn the stealth guide learn from the forum but than there is a good 20% you need to learn thru experience , there are unspoken tricks that you will find out on your own like the rest of us. But you need to start doing and experiencing.

Ok I agree it is time to go to work. Here's what I suggest as you are starting in stealth.
Before you make any bank account of any type, get a free copy of your credit score.

In another thread you spoke of a bank account being closed. Find out what is down on paper regarding you.

Above all else, ensure everything is accurate.

(Maybe BoA asked you to go in because of that Chase trouble?) Find out how you stand in the banking world.

then you know how to make the bank accounts to use in stealth.
You would never make more too many accounts per month. Does not matter what bank.
Just a suggestion
:typing:

Banks that work with mismatched names
 

I currently know that the following banks work with mismatched names on deposits from paypal as of 2013 however this could change at any time with any of them

1. Frost Bank
2. Regions Bank
3. First Convenience Bank/First National Bank
4. Woodforest National Bank
5. Wells Fargo
6. Comerica
7. Compass
8. Chase
:twisted:

Add:
Citi Bank
BOA as mentioned before
US Bank

For the most part most of the larger banks you normally won't run into an issue with mismatching names. However, if you open up too many accounts at one bank that might cause them to look more into your accounts etc. But for the most part the smaller community banks and credit unions can be problematic.

My personal advice from running stealth accounts for the past 6 years is never open more than 4 personal accounts at any bank for stealth use. Maybe 1 checking 3 savings. Something like that. I prefer savings because usually the minimum acct balance is lower to avoid monthly fees, but if you do too many transfers they might ding you as well. If you have massive number of accounts it is only time until somebody files a SAR report and tries to figure out wtf you are up to.

I love USAA bank and Navy federal credit union but you have to be a vet or related to one to joim.

Someone on here said they got a call from US Bank advising them if it happens again, the account would be closed. Maybe someone else has had a mismatch work with US Bank. Once the mismatch doesn't work and the funds are returned, it's not like you can resend to the same account again.

everything is 100% accurate. my credit report is so-so; i don't have any credit to speak of, it's not any negativity. the CITI was over 3 years ago and I cancelled a $63 check wrote on another bank. they said they "found out" about the cancelled check and, therefore, were cancelling my CITI. i only had the CITI acct a month. It is not on the cc report, maybe somewhere on the scan service, but i opened another account at another bank since then. maybe BOA wants a better cc score, but it was really odd that they said they could not verify name w/ssn cause it is absolutely correct. i ran a free report this year. thanks.

I'm jealous. It was really odd that they did not verify my name and ssn, at the very least - I rented last year and the applications had no issue confirming my info.

I still do not have (2) deposits into a US Bank correct name and address.

So PP rejected the (2) steal netspends beginning with a "5" even tho names matched, new phones, new addresses, new IPs.

And, so far, has not deposited (2) - it's been 2 days plus the 4th - into a non-mismatch US Bank - where its non-steal cause its same name, same city, but different address.

Paypal business accounts show the business name of the paypal account to the bank and not the full name of the paypal account holder, right?

Also, most banks let you open initial accounts online no problem, you just may have to send out a signature card for the initial account that you open online. Do NOT go opening bank accounts at a single bank all willy nilly (10+ accounts) and ruin it for everyone. Don't be selfish. If need be, find banks that let you specifically open BUSINESS accounts with them and let them KNOW that you're getting money through multiple accounts. Some banks will not mind it if they are BUSINESS accounts and you're receiving money through 10+ different accounts.

Here are some more banks and their behavior with new account openings online AFTER you have opened your initial account with them.

Citibank - The new account number and features of the new account are accessible instantly after applying online.

PNC - The new account number comes up instantly, however, a signature card is required for EACH new account opened online, otherwise you will not be able to do transactions or access the accounts.

Chase - The last 4 digits of the new account number come up instantly on the website, however, the account and features not instantly accessible for about 1 to 2 business days.

Alliant Credit Union - The new account number and account features are instantly accessible after applying online.

StateFarm Bank Accounts - The new account number and features require trial deposits to external bank and for them to be confirmed to show up and be accessible.

US Bank - The new account number comes up instantly, and the account features are accessible within a business day.

This is some excellent info from my experience, use it wisely, please. :)

I have two friends that have been running stealth's since 2008. While I agree someone may have got a call. They probably were a moron an opened 8-10 personal accounts at US Bank.

I can not help stupid. If you want to be an idiot an draw attention to yourself that is you battle to lose. For most of the larger banks if you 3-4 accounts. 1-2 Checking and 2-3 savings they are going to leave you alone. Especially if you build them up.

But if you are moron opening accounts like crazy and being a dumb ass like a good amount of people on this forum who are impatient and stupid. Then they are doomed. Don't even pay attention to their dumb stories. Like the people who tell you they try to open 10 online accounts then get shut down. Well no duh. Like that isn't suspicious.

They never have for me. All PayPal Business accounts I have show the name of the person registered on the account. Not the business name. Unless this is the case for newer accounts created in the past year or so. It has always been and still is at least for my accounts the individuals name registered on the PayPal account.

Ok I just check my bank statements and the direct deposits I recieve from both Paypal and amazon don't include my name. So my bank Chase must allow any "no name" ACH. I have receive large amounts. Many being 1K, 1.5k, 3K, 4K every 2 weeks... The description of the transaction detail appears as "Paypal Transfer PPD ID: Payp... 11" and "Amazon.com Retail Dis Valdinshbe726bsbzh... CCD ID: 16XXXXX..." So if my real bank name was say Joe Smith but both Paypal/Amazon stealth name that I register was instead Adam Hanks. Big banks like chase or BOA wouldn't reject them since our names don't appear in the transaction details?!

Name will always appear on the electronic slip to the banks. Chase is one bank that will allow it to go through but manual review will show it - will they act on it? only if your account is under investigation... dont think for a micro-second that the bank doesnt see all the info about money coming in...financial laws are always in effect

in my opinion the method of opening multiple Savings Accounts at the same one bank can be problematic long-term. Unless you actively use the many different Savings Accounts for actual Savings purposes, it raises suspicion and can be shut down. There was another member on here who PM'd me about BOA, since the Savings Account was opened but no actual Savings were accrued then it makes the bank wonder why you need 3 or 4 more Savings Accounts.

Opening Business Accounts is the best way b/c then mismatched names is not an issue.

why isn't the option of opening Paypal Business Account suggested more often? If it is true that PayPal Business Account lists the "name" of the business on Paypal registration, then you can input anything and the bank won't see a suspicious mismatch name of Jane Doe to Nancy Williams.

In my experience, when you add a bank account, it locks in the current name you have on the PP account.

If you have a business account, and add a new bank account, it will use the current business name when you withdraw. If you change the business name, it will still use the previous name if you withdraw to the same bank account.

You have to set the name first, then add the bank account, and that will be the name on the withdrawals.
This was my experience on my real account when I changed my business names and accounts a few times.

I think the smoothest way is to register real businesses as Copr or LLC and use a real EIN, for PP and the bank account

FYI, just got message from e.mig.r.a.n.t direct. I have use them for about a year with no issue. Today they said to stop transferring PayPal in other names or they would they will close my account in 30 days.

Another way to circumvent mismatch
 

If you don't mind taking the time to register a company, just come up with two, three or four names for your company name, like the format you would see a lawfirm or consulting company use and make a bank account for the company. If you chose Morgan, Roberts & Chase, then you can use any bank you want if the name of your PayPal user is Morgan Roberts.

I have never posted here, but I have been doing stealth ebay/pp since 2005 and I read these forums from time to time. There are many helpful bits of info I would never post here, but this is one solid way to have a matching name stealth account.

Wow, at least they gave you a warning. Some banks wouldn't even warn you.

Where do you guys see the name that the banks are seeing?

Re: Update of mismatch banks
 

Hate to bump an old thread, but has anyone tried bank of china in the states with mismatch names? Thx

Re: Update of mismatch banks
 

Been wanting to sign up but had not had a chance.....gotta test it out.

Re: Update of mismatch banks
 

Works fine in the UK.


:juggle:

Re: Update of mismatch banks
 

Here's some other good info to consider about credit checks on checking accounts. Few months old but I couldn't find something newer as concise.
Bank Account Checking & Savings: Soft Pull or Hard Pull?

"Soft pulls" are not bad, they do not affect your score.
"Hard pulls" stay on your report regardless of the account being approved/used or not.

Re: Update of mismatch banks
 

One of the only banks it DOESN'T show is the one I just opened (TD Bank) :doh:

Very nice find! Thank you!!!

Re: Update of mismatch banks
 

Only for 2 years, then gone. Most lenders will only look at the last 6-12 months.

Re: Update of mismatch banks
 

Add: RBC Bank USA
Citadel FCU

Always use your real info when opening an account. I've used variations of my real name including different spelling with Paypal transfers without any problem. Works on Amazon accounts as well.

Re: Update of mismatch banks
 

Thanks morganstern - nice find