I have absolutely been called by Bank of America, both by an automated "did you really do this?" sort of fraud detection, and by a human calling to tell me my card number was known to be stolen and make arrangements.

Heck, I'm pretty sure I've gotten sales calls from them as well, though I never stay on the line long enough with those to be sure.

Same here. I also have a BoA account for most of my day-to-day stuff.

I use credit cards (in particular, an Apple Card) for almost every transaction. In fact, I seldom carry cash, which has been a problem, from time to time.

I won’t use Venmo, or PayPal with direct bank account connection. It has earned me scorn, but you really only need to have a problem once, to learn religion. I don’t use credit cards for Venmo or PayPal for cash transactions, because cash advance fees.

I always pay my account in full, every month. It also means I get Apple Cash, for a slush fund.

I do use direct bank account connection for a few things like utility bills, but that is a fairly primitive setup process, where there is no doubt about the other end. Even so, many outfits now allow bill pay, via credit card.

Yeah, no.

When I initiated a wire transfer, my bank did call me to confirm it.

What's worse, when I called back, I didn't reach the same department and it took half an hour to sort it through.

It was all legit, but was indistinguishable from a scam attempt.

What is the name of the bank?

I've been called by Chase and at least one other for fraud alerts. If I recall correctly, the Chase message instructed me to call back using the number on my credit card.

It is not correct that banks will never call you in the US.

However, a bank should not ask you to verify your identity when they call you. This is the missing piece. If anyone calls me, I should not give them any information they don't already have. If they are the fraud department, they already know everything.

USAA calls me frequently. This broad statement is just wrong.

What are they calling about? Just curious - it seems like I’m wrong. Also maybe there is opportunity to develop some service for them so they do not need to call.