big neteller problems

[1819]

well, my girlfriend just went through this now its happening with me. both of my banks will not accept neteller transactions anymore. washington mutual and wachovia. neteller is making the attempt, getting rejected even though the funds are there. then charging me 30nsf fee then reattempting while hiding their identity. the 2nd transaction always goes through but im being charged the 30bucks! just got off the phone with my bank and he confirmed this as did a manager at my other bank. why not hide the i.d. the first time? now i have about a dozen transactions that i will have to pay for at 30 a clip. i'll try to get neteller to drop the fees. if not ,guess who gets stuck holding the bag? not me.lol

 

[sdaddy]

Thanks for reporting this. I strongly suspect that my bank recently decided to close my account (they wouldn't say why) because they weren't happy with my frequent level of transfers to and from Neteller. Now I'm scrambling to find a new account, and from now on I'll be keeping a large balance in Neteller so I can keep transfers in to a minimum.

 

[rreevy]

Sorry, just wanted to be clear on this - I gather it's Neteller who are charging you $30 per refused transaction, rather than the bank?

 

[1819]

Sorry, just wanted to be clear on this - I gather it's Neteller who are charging you $30 per refused transaction, rather than the bank?

correct

 

[winbig]

well, my girlfriend just went through this now its happening with me. both of my banks will not accept neteller transactions anymore. washington mutual and wachovia. neteller is making the attempt, getting rejected even though the funds are there. then charging me 30nsf fee then reattempting while hiding their identity. the 2nd transaction always goes through but im being charged the 30bucks! just got off the phone with my bank and he confirmed this as did a manager at my other bank. why not hide the i.d. the first time? now i have about a dozen transactions that i will have to pay for at 30 a clip. i'll try to get neteller to drop the fees. if not ,guess who gets stuck holding the bag? not me.lol

I'd tell Neteller to go fck themselves (in a nice way of course ) and take my business elsewhere....and try and get their "NSF" fees from someone that has "sucker" tattooed on their forehead.

 

[AussieDave]

I go thru a simular situation every time I wire funds to Neteller from my bank.

Although Neteller supplies a IBAN code (which should stop the double dipping) it doesn't and instead of the wire costing me $30AUD it ends up being $60AUD by the time it hits Neteller.

Neteller was re-emburses me the $23.50US for each wire. Though for 3 of these I got zip. I complained and I've just got the last one paid back. Sent another today so hopefully I'll get the $23.50US back for that too.

Though the frustrating part is having to chase this money every time I do a wire, can be very time consuming.

My opinion is it really depends on the cash flow going thru your Neteller account as to whether Neteller will reverse fees & charges.

As for me I need a Neteller account otherwise I'd be looking elsewhere.

 

[paul02085]

well, my girlfriend just went through this now its happening with me. both of my banks will not accept neteller transactions anymore. washington mutual and wachovia. neteller is making the attempt, getting rejected even though the funds are there. then charging me 30nsf fee then reattempting while hiding their identity. the 2nd transaction always goes through but im being charged the 30bucks! just got off the phone with my bank and he confirmed this as did a manager at my other bank. why not hide the i.d. the first time? now i have about a dozen transactions that i will have to pay for at 30 a clip. i'll try to get neteller to drop the fees. if not ,guess who gets stuck holding the bag? not me.lol

Why will the banks not accept neteller transactions anymore? This sounds like the beginning of the end to me.

 

[winbig]

Why will the banks not accept neteller transactions anymore? This sounds like the beginning of the end to me.

Read the post more carefully...it goes through on the 2nd attempt.

I think it's more of a technical glitch than anything...

 

[1819]

Read the post more carefully...it goes through on the 2nd attempt.

I think it's more of a technical glitch than anything...

no. it goes through on the 2nd attempt because they change their identity. thats what my bank manager told me. thats what pisses me off. why not just change i.d. the 1st time and not have to charge 30 bucks? seems like an easy way for them to justify collecting $30 a shot.

 

[paul02085]

no. it goes through on the 2nd attempt because they change their identity. thats what my bank manager told me. thats what pisses me off. why not just change i.d. the 1st time and not have to charge 30 bucks? seems like an easy way for them to justify collecting $30 a shot.

But why are they having to change their identity?

 

[1819]

But why are they having to change their identity?

because my banks will not accept transactions from them anymore.

 

[winbig]

because my banks will not accept transactions from them anymore.

Now I'm confused......the first time won't go through with a different ID, but the 2nd time goes through as the Neteller ID......but your bank doesn't allow Neteller anymore?

Wouldn't it be the other way around? It goes through with a different ID, but won't go through with the Neteller ID?

 

[1819]

Now I'm confused......the first time won't go through with a different ID, but the 2nd time goes through as the Neteller ID......but your bank doesn't allow Neteller anymore?

Wouldn't it be the other way around? It goes through with a different ID, but won't go through with the Neteller ID?

lol. wont go through as neteller. then neteller charges 30 dollars nsf fee. then neteller redeposits under a different i.d. and it goes through. my whole problem is why dont they just use a different i.d. the first time? it seems they know whats happening. it has happened on dozens of transactions now between me and my girlfriends account. it seems an easy way for them to collect an extra 30 per transaction.

 

[jinnia]

Honestly, I don't see how or why you feel it's NeTeller screwing up..?

It's your bank, they refuse to allow NeTeller transactions now.

Is NeTeller suppose to assume your bank won't accept them any longer and send transaction under a new ID? They have no idea if your bank has changed their policy on accepting transactions from one place or another.

It should be your bank to send notices when they change their policies.

And if NeTeller changes their ID permanently, the bank would eventually realize this and block that new ID, so that would be NeTellers fault also??

Contact your bank for the 'over draft' charges, they made a chance and failed to inform their customers!!

 

[winbig]

lol. wont go through as neteller. then neteller charges 30 dollars nsf fee. then neteller redeposits under a different i.d. and it goes through. my whole problem is why dont they just use a different i.d. the first time? it seems they know whats happening. it has happened on dozens of transactions now between me and my girlfriends account. it seems an easy way for them to collect an extra 30 per transaction.

lol thanks....read it wrong in the beinning

 

[1819]

Honestly, I don't see how or why you feel it's NeTeller screwing up..?

It's your bank, they refuse to allow NeTeller transactions now.

Is NeTeller suppose to assume your bank won't accept them any longer and send transaction under a new ID? They have no idea if your bank has changed their policy on accepting transactions from one place or another.

It should be your bank to send notices when they change their policies.

And if NeTeller changes their ID permanently, the bank would eventually realize this and block that new ID, so that would be NeTellers fault also??

Contact your bank for the 'over draft' charges, they made a chance and failed to inform their customers!!

neteller knows that more and more banks are not accepting thats why they use multiple i.d.'s to sneak the transactions through.

 

[jinnia]

neteller knows that more and more banks are not accepting thats why they use multiple i.d.'s to sneak the transactions through.

NeTeller tries a transaction using their regular ID, it fails, so they'll try an ID that's setup as a 'backup' ID, it works. Isn't that better than them trying to process mutiple transaction to your bank until they get their money back that you already used, and get hit with an o/d each time?


It is still your banks responsibility to inform their customers of any policy changes.... but it appears you know this will happen .......

Originally Posted by 1819
it has happened on dozens of transactions now between me and my girlfriends account.

It's happen dozens of times? Then why keep making the debits?

 

[1819]

NeTeller tries a transaction using their regular ID, it fails, so they'll try an ID that's setup as a 'backup' ID, it works. Isn't that better than them trying to process mutiple transaction to your bank until they get their money back that you already used, and get hit with an o/d each time?


It is still your banks responsibility to inform their customers of any policy changes.... but it appears you know this will happen .......


It's happen dozens of times? Then why keep making the debits?

because they dont post right away. a good week went by then we started seeing the nsf fees showing up and getting the emails from neteller. this all happened within a week or so. then i contacted my bank, then neteller. dont get me wrong i have no problem paying neteller the money they're owed just not 300 somethin dollars in nsf fees when they wind up collecting anyway.

 

[The Watchdog]

Havent read the rest of the thread..but

well, my girlfriend just went through this now its happening with me. both of my banks will not accept neteller transactions anymore. washington mutual and wachovia. neteller is making the attempt, getting rejected even though the funds are there. then charging me 30nsf fee then reattempting while hiding their identity. the 2nd transaction always goes through but im being charged the 30bucks! just got off the phone with my bank and he confirmed this as did a manager at my other bank. why not hide the i.d. the first time? now i have about a dozen transactions that i will have to pay for at 30 a clip. i'll try to get neteller to drop the fees. if not ,guess who gets stuck holding the bag? not me.lol

Man... I strongly recommend you that for the good of the online gambling industry avoid mentioning stuff about second transactions and all of those wonderful things that life has given us to the gambling community...

 

[The Watchdog]

Ok, I have read enough

Come on guys... stop it... this thread is completely free, I am pretty sure. But for those who enjoy online gambling and also defend the industry this thread is not helping at all... seriously....

My advise for all you guys who like Neteller, slot machines, poker... a some good NFL action on sundays...

Make your research, or keep it under private messages...

 

[1819]

Come on guys... stop it... this thread is completely free, I am pretty sure. But for those who enjoy online gambling and also defend the industry this thread is not helping at all... seriously....

My advise for all you guys who like Neteller, slot machines, poker... a some good NFL action on sundays...

Make your research, or keep it under private messages...

what the hell is that supposed to mean? this is the other complaints forum. since neteller is a huge part of online gambling. im giving my experience. maybe now some people, including myself, will check with their bank first and not get stuck with extra fees. my banks told me outright that they are not going to accept transactions from any company that supports online gambling. heads up to alot of people. how is this thread irrelevant?

 

[cipher]

Come on guys... stop it... this thread is completely free, I am pretty sure. But for those who enjoy online gambling and also defend the industry this thread is not helping at all... seriously....

My advise for all you guys who like Neteller, slot machines, poker... a some good NFL action on sundays...

Make your research, or keep it under private messages...

Wait just a minute WATCH DOG. If you don't particularly like the content of a post then don't read it or otherwise partake of it. Neteller issues are amongst the most important issues in this industry, inasmuch as Neteller transfers far and away more money than any other money transfer service in this industry. I'm very much interested in this thread as are other posters as well.

Have a good one.

 

[lots0]

How long do you think the second transactions are going to last now?

How are you going to transfer money when they stop?

Anyone want to start a pool for when the 2nd transactions will stop?

Thats the point The Watchdog was trying to get accross.

Do you guys think your the only people that read this forum?

 

[winbig]

How long do you think the second transactions are going to last now?

How are you going to transfer money when they stop?

Anyone want to start a pool for when the 2nd transactions will stop?

Thats the point The Watchdog was trying to get accross.

Do you guys think your the only people that read this forum?

True, but banks aren't stupid. It won't take long before they have a list of all of neteller's "fake" ID's and block those too.

Think about it....1:30pm, a transaction from Neteller for $3000 comes in. 2:30pm, a transaction from ABC, Corp. comes in for $3000. Coincidence? I doubt they'll think that way. This thread will have no bearing on it whatsoever.


If you ask me, Neteller is just making it worse for themselves by circumventing the blocks put on by banks. They're just asking for trouble.

 

[lots0]

Think about it....1:30pm, a transaction from Neteller for $3000 comes in. 2:30pm, a transaction from ABC, Corp. comes in for $3000. Coincidence?

When you process hundreds/thousands of transactions a minute it sure would be.

They're just asking for trouble.

Kind of like any American that gambles online...

 

[winbig]

When you process hundreds/thousands of transactions a minute it sure would be.

You don't think they have automated checks in place to spot that sort of thing?

It would be easy for them to do, and I'm sure it's already setup. Sure it'll get by a few times, but once they catch on, it's all over.

Same goes for Visa/MC. There's already checks in place for them to block the transaction code for gambling...one will get through for a new merchant account at times, but they block it nice and fast after that

 

[suzecat]

You don't think they have automated checks in place to spot that sort of thing?

It would be easy for them to do, and I'm sure it's already setup. Sure it'll get by a few times, but once they catch on, it's all over.

Same goes for Visa/MC. There's already checks in place for them to block the transaction code for gambling...one will get through for a new merchant account at times, but they block it nice and fast after that

There's a certain casino in Costa Rica who "boasted" they would get Visa/MC transactions approved. How? They coded the transaction as merchandise instead of gambling. The result? Visa/MC have a hefty transaction fee now in CR.

 

[The Watchdog]

are you gamblers ??

Or a 90 year old gossip group?

Was the transaction approved? Did Neteller satisfied your need to approve your credit card??

Its true... I won't be posting more in this thread since all it could do is harm. I don't like it and I apologize if all of you guys are spending $200 in tissues for all the tears you are crying...

But, never the less.. .you are just talking to much crap. Some things are just not to be spoken, or at least I preffer to keep my comments to my self.

The person starting this thread has no freaking idea what he is talking about... and if he likes using Neteller he is not helping much either them or online gambling...

 

[The Watchdog]

Very true..

There's a certain casino in Costa Rica who "boasted" they would get Visa/MC transactions approved. How? They coded the transaction as merchandise instead of gambling. The result? Visa/MC have a hefty transaction fee now in CR.

But not only in Costa Rica... also in other countries were online gambling is big.

Never the less. . I believe that in Europe already, or very soon a rule to credit card gambling transactions will be taken as cash advances, which cost way more than credit card transactions...

This mainly affects US customers. Their goverment has sent an order to american banks and credit card companies to decline online gambling transactions.

If you have worked or work for an online gambling company, check the results of declined/approved transactions for US customers. If the company uses a coded processor, the result might be about 1 approved out of 20 attempts...

 

[suzecat]

1819: this should be easy to fix. Check out the FAQ on Neteller. If you are charged NSF fees and can prove to Neteller that funds were available at the time, NT will reimburse the fees.

 

[Mousey]

...

This mainly affects US customers. Their goverment has sent an order to american banks and credit card companies to decline online gambling transactions.

.....

Really? Dang... there's so much that goes on that the average citizen is not aware of. OK... so anybody got any idea of what punishment the government is threatening the banks with? What LAW the banks are supposedly violating?

I'm not talking about credit or debit card transactions, I'm talking about banks and EFT. I realize the CC industry has already knuckled under and stopped processing transactions that might even remotely be connected to online gambling.

If your bank is blocking NETeller transactions, then find another bank for your NETeller. And tell your bank to go screw themselves for blocking tansactions and not giving you notice of a change in policy.

(Please note: your bank account has probably been flagged and has prossibly been reported to the IRS and Feds -- depending on the amounts and number of transactions.)

(And if none of the above makes sense then ignore me... I haven't had my coffee yet.... )

 

[AussieDave]

so anybody got any idea of what punishment the government is threatening the banks with? What LAW the banks are supposedly violating?

Funny you should mention that, just finished reading this article:

Outdated URL (Invalid)

Try looking under the heading Offshore Processors, a paragraph above Prepaid Wallets

 

[AussieDave]

Don't mean to de-rail the thread, but feel this also has some bearing too.

Considering what the 'industry' did when the US clamped down on credit cards, it's not exactly going to roll over and just let the US Gov take away 50% - 60% of its market revenue.

If or when the US passes its online gambling laws, you can bet that the casino's will be a step ahead, if not 1/2 a dozen.

Be this by having established alternative purchasing methods that don't involve gambling, that is buy a T-shirt for $50 and so on from a legit online store, that just so happens to be owned by a non connect subsiduary of the casino. You get the T-Shirt for free and $50 is credited to your casino account via a docket number, who knows!

As far as ISP being blocked from allow US citizens from accessing gambling sites, these casino's employ high tech methods, I'm sure they have more than a few ways around that issue too.

 

[The Watchdog]

Banks

Banks do not violate any law by allowing gambling transactions...

But they all want to be in good terms with Uncle Sam, so they lick his balls in any way they can.

If the goverment doesn't approve something, why would you fight it?

Have you seen what happens to people, companies, or countries that regardless what the "law" is, they just don't agree with old Uncle Sam???

Well, if you have not, they all have pretty much fall and being destroyed...

There are 3 ways of doing things, the bad way, the good way and Uncle Sam's way...

 

[suzecat]

Watchdog: is it true that Costa Ricans cannot legally gamble in Costa Rica?

 

[1819]

Or a 90 year old gossip group?

Was the transaction approved? Did Neteller satisfied your need to approve your credit card??

Its true... I won't be posting more in this thread since all it could do is harm. I don't like it and I apologize if all of you guys are spending $200 in tissues for all the tears you are crying...

But, never the less.. .you are just talking to much crap. Some things are just not to be spoken, or at least I preffer to keep my comments to my self.

The person starting this thread has no freaking idea what he is talking about... and if he likes using Neteller he is not helping much either them or online gambling...

what are you 9 years old? go tell the teacher i threw sand at you first. boo hoo. my info is based on what my banks told me. if you know otherwise then say so and stop acting like a schill for neteller. you usually have some great posts. what the hell is going on with this one? help or dont. your choice. but why tell me i have no idea what im talking about when you have no info to lend? peace...

 

[The Watchdog]

Alright

I might be 9, but at least I know how all those declined-approved transactions work.

I sent you a private message buddy, for you to get another point of view how things work...

I still think this thread should be left alone and let it bury...

But if you still want to keep talking about:

Why my card is declined? Why is it now approved? My banks says this, Neteller says the other... I want to play, but the US wont let me. .. bla bla bla... what you are going to cause is fine companies like Neteller and many good casinos on which we all rely and trust start getting problems...

If it was declined in the first place, and then approved... what is the problem???? the objective was achieved.. you were able to fund, play, lose-win, enjoy your self...

 

[The Watchdog]

No

Watchdog: is it true that Costa Ricans cannot legally gamble in Costa Rica?

We are flooded with casinos. We have several casinos in the Capital, San Jose and the surrounding cities. Also there are some poker rooms, which I believe will be increasing in number in the following years. But gambling is 100% legal.

It has become a problem since the casino industry was intended for tourism purposes and most players are Ticos.....Making a wild guess, I think we are on the top 10 list of the countries with more compulsive gambling in the world.

Online gambling is not illegal either. I have never had my credit card declined at an online gambling site, only when is out of funds

However, gambling sites established in the country avoid opening account to Costa Rican citizens... is like an agreement.. Do your business, but don´t mess with the Ticos. Is not illegal, but most of them won´t let you open an account for real money.

I have accounts for real money in several poker rooms located in other countries and had never ran in to any problems.

 

[suzecat]

We are flooded with casinos. We have several casinos in the Capital, San Jose and the surrounding cities. Also there are some poker rooms, which I believe will be increasing in number in the following years. But gambling is 100% legal.

It has become a problem since the casino industry was intended for tourism purposes and most players are Ticos.....Making a wild guess, I think we are on the top 10 list of the countries with more compulsive gambling in the world.

Online gambling is not illegal either. I have never had my credit card declined at an online gambling site, only when is out of funds

However, gambling sites established in the country avoid opening account to Costa Rican citizens... is like an agreement.. Do your business, but don´t mess with the Ticos. Is not illegal, but most of them won´t let you open an account for real money.

I have accounts for real money in several poker rooms located in other countries and had never ran in to any problems.

Appreciate the info. My cousin (US citizen) lives in CR and is married to a CR woman. He told me about the Visa/MC fees and said it was because of gambling and that CR citizens cannot gamble in CR. .

 

[The Watchdog]

Appreciate the info. My cousin (US citizen) lives in CR and is married to a CR woman. He told me about the Visa/MC fees and said it was because of gambling and that CR citizens cannot gamble in CR. .

What does he likes? sports, casino or poker?

If he likes sports.. tell him to visit www.bet365.com... where he will actually find everything.. casino and poker too. But their poker is Prima, so I wouldn´t recommend it.

For Casino, my advise.... Intercasino (but I think they don´t allow ticos) but try Bet365... Playtech software...

And for poker my advise Pokerstars, which I believe wouldn´t be a problem and Titan...

Tell him to oper a Neteller account, he won´t have a problem running his or hers wife credit card if they use Costa Rican Banks

 

[SlotsWizard]

This is just my 2 cents, but...

When credit cards started getting declined for online gambling, I can understand that - the player is spending money which isn't theirs yet.

But for banks to start declining NETeller transactions, this is just plain wrong. The customer already has the money in their account! Who gave the bank the authority to decide what their customers can and cannot spend their hard-earned money on - especially without a notice to the customer???

I'll bet you 50 bucks that these banks would have no problem if the money were being spent at an online porn or wine/alcohol site. Talk about double-standards.

Two gigantic thumbs DOWN to Washington Mutual and Wachovia.

 

[amatrine]

Re

No doubt. My bank declined any transactions through click2pay. This is getting nuts!

Amatrine

 

[winbig]

No doubt. My bank declined any transactions through click2pay. This is getting nuts!

Amatrine

Everyone just needs to get a Netspend card and use that. Works at all casinos (and poker rooms) that I've tried

As far as withdraws, take a mailed check I guess...

 

[1819]

Everyone just needs to get a Netspend card and use that. Works at all casinos (and poker rooms) that I've tried

As far as withdraws, take a mailed check I guess...

netspend is great. use it all the time when im in florida( u can reload them anywhere). when im in ny and nj though, there is nowhere here to reload them and i dont think you can load them online with visa.

 

[frufrugirl]

No doubt. My bank declined any transactions through click2pay. This is getting nuts!

Amatrine

Which bank ? Ya know, maybe we should start a thread abount which banks are declining ewallet transactions(us banks) and which ewallet is being declined at that particular bank.

 

[amatrine]

Re

I go through a credit union. If they even suspect anything is from online gambling, they will not accept it.

When I had neteller, twice they declined withdrawls from my neteller to my bank. I had to call my bank to get them to accept the money.

Click2 pay they wont even accept them on my account. So I cant spend or withdrwal. I had a cashout in my click2pay and to withdrwal it back to the casino because I had to way else to get it,lol

So I just pretty much stick with Inet now and do the overnight expresss. It sucks waiting for it, but I at least know it will get here hassle free.

I use central coin to deposit, but unfortunaley the casinos do not use it to
pay you, and most casinos do not even use them as an option, but its the only one I can get my bank to take,lol

Now I have never tried moneybookers, but Ive heard bad about them as well as good, and after my neteller fiasco, Im just gonna steer clear.

I used to have wells fargo and never had all these problems. When we bought our car, this bank finanaced us for it, so we switched our bank to it,
with the thinking that with a perfect payment history on the loan, we can later use them for a house loan. Wells fargo denied us our car loan.

Anyway I think all banks are heading down this road in the very near future.
Im tired of being told what I can spend my money on.

Amatrine

 

[AussieDave]

Although I'm not in USA I signed up to Moneybookers. Bank to Bank transfer of funds which goes to a bank, not as in the case with Neteller where it goes thru an intermediary bank then onto Netellers account.

Refunds are the same process.

Maybe worth looking into. Also unlike Neteller, Moneybookers is registered in the UK and is bound by UK financial laws


Other than that, you could always look into doing a direct bank wire to the casino. I'm sure most of their accounts would be held under subsiduary company names and would not red light their casino interests. Maybe worth checking out too.

 

[The Watchdog]

Neteller

Transfers from Neteller to bank accounts are not a problem.. only with US banks they might be.

I live in Costa Rica and requesting a payout to your bank account is no problem at all. Pretty sure it works the same with any other country. US policies just suck regarding gambling. They have control on what you can and cant buy.

Any ways, a good tip is to use Netellers ATM card, that wont fail. Is only a $4 fee regardless the amount and the card works in almost every freaking ATM in the world.

Also, why dont the average US online gambler opens a bank account in Canada, Mexico, Costa Rica or any other country.. I am pretty sure all those banks wont have a problem accepting your business and those accounts are not reachable by the tentacles of the US goverment. Then all you need to do is request an International Debit Card and there you go... Online gambling with debit card, neteller, bank wires hassle free...

 

[sillybilly]

Maybe worth looking into. Also unlike Neteller, Moneybookers is registered in the UK and is bound by UK financial laws


.

Neteller is a PLC registered on the London AIM exchange and is FSA regulated.
Theyre just not as good as moneybookers.

 

[1819]

Transfers from Neteller to bank accounts are not a problem.. only with US banks they might be.

I live in Costa Rica and requesting a payout to your bank account is no problem at all. Pretty sure it works the same with any other country. US policies just suck regarding gambling. They have control on what you can and cant buy.

Any ways, a good tip is to use Netellers ATM card, that wont fail. Is only a $4 fee regardless the amount and the card works in almost every freaking ATM in the world.

Also, why dont the average US online gambler opens a bank account in Canada, Mexico, Costa Rica or any other country.. I am pretty sure all those banks wont have a problem accepting your business and those accounts are not reachable by the tentacles of the US goverment. Then all you need to do is request an International Debit Card and there you go... Online gambling with debit card, neteller, bank wires hassle free...

great point about an out of country bank but after 9/11 we have "9/11" laws here in the states. opening an offshore account or a canadian one was a breeze. not anymore. even at home its tougher. my one house is on the new york new jersey border and there is a local bank a block away. they wont open an account for me because i have an out of state drivers license. i stick with 2 national banks but, as stated before, they wont accept net or click or firepay anymore! i never knew "big brother" was such a ball buster.