In my experience it is really hard to deposit money into another persons account in America. In my home country in Europe, all I need is their account number and their personal id number and I can deposit straight from my online banking system. They don’t have to be in the same bank or nothing.
In America this is so much more complicated. I have a hard time depositing money to my partner outside of my credit union’s calling hours, even though we literally share each other’s accounts.
Re:GitHub Has a Permission Problem
by kube-system on Wednesday March 17, 2021 @02:25AM
(#26487277)
AFAIK, this is because criminals used to move money anonymously that way, and banks now have more of a legal responsibility to know where money is coming from.
Get yourself formally added as an authorized user of the account and you won’t have this problem anymore.
In Australia, I can send money to just about any other Australian with a bank account using an email address or phone number - and it's mostly instant. The fallback is an account number and it'll take a couple of days to go through. There's no charge for this.
Or you setup something outside bank account numbers that accomplishes that? Here in Canada we have interact e-transfers via email or text. Have yet to meet someone who doesn’t have it setup and works great and doesn’t require a bank account - only time that comes up is for direct deposit from employers Goverment ect
> I'd rather take the occasional having to wait a few days to sort out a fraud charge than have to be inconvenienced every time I want to send or receive money.
Bank of New Zealand online banking doesnt seem that inconvenient, or different, from the American system. add payee, enter amount, click pay then confirm.
https://www.bnz.co.nz/support/internet-banking/payments/addi...
I'd rather take the occasional having to wait a few days to sort out a fraud charge than have to be inconvenienced every time I want to send or receive money.