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Instructions and Help about Get and Sign bank customer information form
hi there folks tribe man here thank you very much for tuning in to window-cleaning resource on youtube Music Music okay guys so today what we're going to be talking about is this this is the customer information form that I like to give to pretty much any kind of job whether it's residential or commercial so what's the advantages to having a customer information form well unless your customers know right away what your rules of the company are there's no gray areas left over for them to wonder what happens if I do this or what happens if I don't do that so it lays out all the information there or all the kind of questions and queries they might have are all listed here so the first section is only five six lines long you don't need to go in-depth but the first section is about us so it gives them a very short brief explanation of who you are who your company is and just sort of give them an idea of who you are right from the word go so personally we've just put that we're a family-run
FAQ customer verification form
How can I buy Tesla shares from India?
Apple, Microsoft, Amazon, Facebook. We all have grown up using these companies’ products/services. Obviously everyone’s interested in stock market would like to invest there too.But wait, since they won’t be listed on Indian stock exchange, how to do it?There are basically 3 ways you can invest in Tesla,Open an account with Indian Brokerage firm who has a tie-up with foreign broker. Like ICICIdirect, HDFC sec, Reliance Money etc.. They provides the service where you can open your overseas trading account with their foreign brokerage partner.Open account with foreign brokers. Some international brokers are out there who permits Indian citizen to open account and trade in US market like Interactive Brokers, TD Ameritrade, Charles Schwab International Account.Buy Indian MF(Mutual Fund)/ETF(Exchange Traded fund) with global equities. Mutual Fund basically invests in stock market, Government bonds and other securities. There are few firms which invest in international market. You can invest indirectly there but you will never know if your money went in Tesla or not. But this is probably safest option I know because you will not have to open Overseas trading account plus you will save the minimum deposit roughly $10,000. Here are few popular mutual funds who trade in global market, ICICI Pru US Bluechip Equity – D (G), Motilal MOSt Oswal NASDAQ 100 ETF, Reliance US Equity Opp. Fund DP (G), Edelweiss Greater China Eqty-Direct andKotak US Equity Fund – Direct (G).Now that you know the ways to invest, here are some food for thoughts.The reason why people invest in foreign stock exchanges.People want to invest in their favorite companies, of course Elon Musk/Steve Job are everyone’s idol. We all believe in them, their vision. Also Google, Amazon, Twitter, Facebook are darlings of this generation.Diversification - Investing in foreign companies helps in diversification. Investing in foreign companies mitigate the risk when Indian market gets crash.Bigger Opportunities - The point is there are thousands of better companies out there. There is no boundary anymore.Investors believe that foreign companies have better resources, facility, government cooperation. That makes them high rated.Some Critical Points to know before you invest in TeslaUp to $2,50,000 can be invested overseas by Indian resident as per RBI. That is roughly 1.7 crores. That’s enough, right?High Charges - Here you will be transecting in foreign money. You will be paying brokerage charges in their currency that is USD (1 USD~68.5 INR). So, will the AMC(annual Maintenance charges).Profit are subjected to currency exchange rate - Price of INR against USD will constantly change, so suppose you invested when it was 1$=₹68 , so when you sell the stock maybe the price changes to 1$=₹60. In such case you already lost 11.7%. That’s why when you invest in foreign stocks, profits are always subjected to the currency exchange rate.To know more about such topics please visit, Blog - Trade Brainsor Join Pundits of Stock market at Indian Stock Market Tribe- TRADE BRAINS.
What's the best contemporary designed sign-up form, in terms of UX, on the internet?
Our in-house UX designer holds the Airbnb sign-up form up as an example of excellent UX design.These are his main reasons, which are all aspects that are easily transferrable (and that we always use on our forms!):Social media access - giving people the option to sign up with Google or Facebook allows them to choose an option that suits them (people love to feel in control - it’s the autonomy bias). They are also aware that signing up through social media may be a much speedier process which is always an attraction and, even better for you, it often allows you access to certain parts of their profile and details so can be an excellent source of invaluable data.Progressive disclosure - Instead of displaying the whole form on the first page, Airbnb uses progressive disclosure, only opening up the full form once the user clicks on “Sign up with Email” which keeps things clean, simple and doesn’t intimidate the user as they are being slowly introduced into the sign-up process.Column layout - There is just one column with each field listed one underneath the other. Again, this keeps it really clean and simple with ample space to fill out the fields.Icons used inside the fields - The icons bring a nice design element to it and also just add that extra ease of comprehension - you see the mail icon and you know that’s where your email address goes. The easier to understand quickly, the more likely it is that people will convert (this is because of Cognitive Ease).Password strength validation - This is always a reassuring tool to provide your customers. Security online (or lack thereof) can be a big factor in putting people off following through with a sign-up or purchase and so lending them this helping hand to show them how strong their password is will give a sense of safety and satisfaction.Overall field validation - When a field has been successfully completed, it is highlighted with a green outline to validate this clearly. It’s a nice way of giving the customer a sense of completion and closure for each step and letting them see their progress - this type of positive reinforcement can be useful in encouraging people to see through the sign-up process until the end.Clear indication of errors - Equally, it’s important to clearly notify customers when there is an issue with one of their completed fields. There’s nothing more frustrating than spending time filling out a form only for it to refuse to submit but with no clear identification of where the error is. Make it quick, obvious and easy for them to see and rectify any errors to ensure frustration doesn’t lead to a swift exit.At Convertize, we’ve compiled our neuromarketing and optimisation expertise into a list of 250 tactics - you can check them out here!
Social Advice: I got a young woman's name from a credit card receipt. Is it weird to contact her on Facebook?
Definitely not. That's creepy. A bank officer who got my mobile number because he asked for it supposedly as an sop for my transaction, sent me a message afterwards introducing himself and offering further assistance in case I need it. I politely said I'm good and thanked him. Good thing he didn't pursue further as his text message is already in excess of normal business pleasantries. A server in a restaurant I went to also sent me a friendly message after he got it from asking me to fill out some feedback comments forms. That's pretty sneaky. He was very young and cute. Nevertheless polite so I wasn't scared and just let the message die without the need to escalate things. Thing is, you can never tell how scary and creepy you will sound, and whether those fear could get you in trouble. It violates the decorum of professionalism when you become too friendly with a customer. The only time you can be friendly is when the customer initiated and your actions are similar and not more than how the customer was friendly to you. Otherwise, the customer will feel vulnerable because you had access to his/her private information, financial or otherwise.
What are telltale signs that you're working at a "sinking ship" company?
Leo Tolstoy's Anna Karenina Principle states, "Happy families are all alike, but every unhappy family is unhappy in its own way." He saw that unhappy families were each doomed by unique problems of their own making, while happy families were those who steered clear of such problems.The corporate world suffers from the reverse of the Anna Karenina Principle. Successful companies each seem to invent their own unique paths to success. But failing companies follow predictable death spirals that have been followed by many other companies preceding them.Often these "sinking ship" companies can seem to be doing just fine, especially to employees who don't have the experience to recognize the obvious signs. This is handy guide of what to look out for.If you work at a big company, look for:New opportunities are evaluated and shot down based on their impact to the old legacy businesses. (See The Innovator's Dilemma).Managers are paid for making quarterly and annual targets, so they avoid investments that pay off in the future since they detract from their bonus numbers. As the business declines, they simply negotiate lower bonus targets each year.You benchmark your performance against your direct, legacy competitors instead of the new disruptive entrants in your market. You think you are doing well vs. your competitors without being aware that you are competing in the equivalents of the Seniors Tour.Mediocre employees are not fired since their managers know they can't recruit better ones anyway.When asked "why do you like working here?" your employees talk about the dental plan.Your managers roll their eyes when you point out that how new technologies like Apple Watches, Twitter, and Amazon Web Services will impact your business. They call them "toys" and say, "our customers will never trust their businesses to those!"Your co-workers use Blackberries from 2009. They say, "I already know how to use it, and I don't need that distracting new stuff."You spend the first week of the quarter talking about long-term strategic planning. You then forget about it and spend the next twelve weeks scrambling to make the quarter.Instead of firing bad leaders, you create cross-functional committees to solve the problems those bad leaders created. When those problems persist, you disband the committees and bring in consultants to solve the problems the bad leaders (then the committees) created.All conversations about new grown end with reluctant middle management saying, "only if you give me more budget!" The budget never comes, and you all go back to what you were doing.You integrate acquired companies so quickly that you destroy their businesses and their best people leave.Or, instead of integrating the acquired companies, you keep them as independent business units and get no synergies. You integrate them in a hurry a year later during a cost-cutting exercise. The best people leave.Your CFO spends 5% of her time talking about innovation and revenue growth and 95% talking about cutting costs. She says, "that's my role here."The HR department thinks their job is administration, compliance, and keeping employees from suing, not ensuring the company wins in the market by having the best team.To pay $9.99 for an Evernote subscription, you need to wait a year for the "Information Technology Steering Committee" to approve Evernote as a vendor.You have a Chief Strategy Officer. People say, "I don't know what he does all day." He disappears and is not replaced.You don't target the best companies and try to hire their best people. Instead, you put three-page job descriptions on your website and wait for candidates to find them, fill out a form, and apply.People argue over offices. They all use the same excuse: "I'm on the phone a lot."You launch "innovation projects." When it looks like you'll miss earnings by a penny a share a few quarters later, those projects are cut. After those risky but innovative projects are cancelled, the people working on them are laid off, getting richly punished for their risk taking. No one ever signs up for an "innovation project" again."Succession planning" has become a euphemism for, "when the boss quits, just promote someone on her team so we don't need to pay for a search."You have five CEOs in five years. The board then announces the company is getting broken up and sold. They act like that was the plan all along, then lay off you and half of your co-workers.You ask your laid-off co-workers why they joined the company in the first place. Their answer: "job security."If you work at a startup:You never hear how much cash you have in the bank or hear what was discussed in the board meeting. When you ask questions, your executives say, "I need you to stay focused on your work."When you get your stock option offer, no one will tell you how many shares are outstanding or that the last round of funding came with a 5x liquidation preference.People never talk, coordinate, or even leave their desk because they "hate meeetings." (They actually hate each other).You "rehearse" for board meetings and spend a week on board meeting slideshows that are prettier than your customer slides.You have more MBAs on the team than engineers. They all do "business development" since sales is beneath them.You have a Chief Strategy Officer. No one knows what he does. He disappears one day and is not replaced.Your CTO just came out of a PhD program and wants to "commercialize his research."You have a raucous launch party that is attended by no customers, only your friends.When the product doesn't sell, you complain about how the customers "just don't get it" and aren't "visionary."You've fired three VPs of Sales because each one told you, "the customers don't want the product."Your CEO has a "great" customer meeting that he says is sure to lead to a closed deal before the quarter ends this Friday. All he needs to do is meet with procurement, negotiate price, win the deal, agrees on terms, write up up contracts, negotiate them, sign them, and invoice the customer. The deal closes 175 days later.You add features because board members want them. Your CEO calls himself a "visionary" in his bio.The CEO keeps everything secret because, "that is how Apple does it."The CEO approves all of the design decisions because, "that is how Apple does it."The technical co-founder is a bad manager so agrees to hire a VP of Engineering to replace him. He thinks that VP will report to him since he is the "visionary'".Your site is going to be ad-supported, and you have 1500 users.You get free lunch but have no customers.Your free lunch is taken away.Your boss renegotiates your salary and asks you, "how much do you really need to live on?"He offers you more stock options. He still doesn't tell you how many shares are outstanding.You get laid off and become a creditor to the company because they didn't reimburse your last five expense reports.The liquidation yields five Aeron chairs and a Nespresso machine, and Ashton Kutcher's stock is senior to yours.
How to decide my bank name city and state if filling out a form, if the bank is a national bank?
Somewhere on that form should be a blank for routing number and account number. Those are available from your check and/or your bank statements. If you can't find them, call the bank and ask or go by their office for help with the form. As long as those numbers are entered correctly, any error you make in spelling, location or naming should not influence the eventual deposit into your proper account.
How do I fill out an application form to open a bank account?
I want to believe that most banks nowadays have made the process of opening bank account, which used to be cumbersome, less cumbersome. All you need to do is to approach the bank, collect the form, and fill. However if you have any difficulty in filling it, you can always call on one of the banks rep to help you out.
What would you do if a perfect stranger stopped by your house, gave you a bag containing a million dollars, said to you, "Take it, it's yours", and then walked away?
Did you know that a million dollars in U.S. currency weighs just ten kilograms? It's true. A freshly-minted $100 bill weighs in at slightly over a gram, and 100 of them is ten thousand dollars. 100 of those stacks, and there's your million.It’s not often that 10 kilograms - 22 lbs of anything can change your life. But on February 25th, 2014, that’s exactly what happened. Day 1: $1,000,000 As the man in the gray suit walks away, I shout after him “Hey, come back here. Who are you? What’s this all about?” He does not look back and quickens his pace. Between the choice of chasing down a stranger, or securing what appeared to be stacks of currency, I chose the currency. We can resolve the issue of his identity later, but a loose sack of cash is, well, a loose sack of cash. I look through the contents again. Bundles of US$100 bills, stacked a hundred bills deep, wrapped in standard $10,000 bank bands. A quick count revealed that there were precisely a hundred of those stacks in the bag, and spot-check riffle-counts of the $10k bands suggest that there are no short-stacks within. These were full bands of $10,000 apiece of non sequential USD$100 bills, and I was holding what appears to be a million even in cash. And it feels like just as many question are swirling in my head, as I feel my pulse pounding in my skull. Who was that guy? Why me? What is this all about? But the most urgent thoughts swim past the dizzying deluge of unanswerable questions. Fakes. It’s one thing to inadvertently be the recipient of counterfeit currency; as you’re reading this very sentence, a clerk at a retail store somewhere in your city just accepted a counterfeit bill and made change from the real money in the till. But to be in possession of a life-changing amount of counterfeit currency of the United States of America? Well, that’s sort of thing that can bring the full might and wrath of their law enforcement apparatus on your head. My emotions swing wildly between the elation of instantaneous wealth, and sheer terror that I was minutes away from being snatched from my home and corralled into a Federal holding cell, where I will grow old within its walls. Terror was the stronger of the two emotions, and I quickly went to work. First things first: the bag had to go. If there is a GPS tracking device embedded in its seams, it would take too long for me to root it out. Better to incinerate it, and make sure that whatever trail it was laying stops at a dead-end for its pursuers. I pour the stacks of bills into an empty duffle back from my garage, and lock the bag in my condo. There’s an abandoned marina just a mile from my home and I get in my car and drive straight to the docks, at the top of the posted speed limit. After pouring enough Kerosene on the bag to see the shimmering mist of petroleum evaporate above it, I lit a book of matches and threw it in the middle of the mass. A satisfying “Whoomph” lights up the fire, and I watch the edges of the bag curl and burn - sizzling in the midmorning sun. As the remnants of the bag’s embers swirl around the scorched mark on the docks, I drive back to my condo, pulse still pounding in my skull.I still haven’t figured out if the bills are real or not, but if this morning’s bag-drop was an attempt to pin a piece of deeply incriminating evidence bearing a tracking device … well that plan has been thwarted. Or delayed, at the very least. What do I do? What should I do? Call the authorities? Consider how it would sound: “Hi, Police? Somebody dropped a million dollars in cash at my home. I don’t know if it’s fake or not. Please help.” Would you believe such a ridiculous story? I wouldn't. Any reasonable law enforcement dispatcher would consider the caller legally insane, and I'd be arrested on the spot and sent to psychiatric care. If the money was real, it’d be seized and I'll never see it or spend it. If it was fake, they’d find a way to stick “possession of counterfeit currency” charge on me, and I'll be shoved into a Federal concrete box, draining the best years of my life away, only to be released when I can’t chew solid food any more. No. The only recourse is to handle this myself. I call an old college friend practicing criminal defense law in New York City: “Hey Roger, it’s Kai. How’ve you been?” “I'm cool. It's been a while. What’s up man.” “We should catch up soon in person. But I’m calling because I need something.” “Ok, shoot.” I swallow hard - it’s difficult to even say the words: “Who’s the best CrimDef lawyer you know in California, who defends against Federal charges?” A moment. His voice lowers noticeably. “Shit, man. You in some kind of trouble?” “I’m not sure yet.” I said, truthfully. “But I need someone experienced and smart ... someone who you’d hire, if you’re facing serious attention from the Feds." He lets out a long exhale. “Vincent King. Former rockstar DOJ prosecutor in D.C. Had a change of heart halfway through his rotation in Maryland, when he was securing Life sentences for “interstate drug transportation” charges on young Black kids who were busted muling for the cartels. Was offered a fast-track promotion straight to the U.S. Attorney’s office but went rogue. He set up independent shop in San Francisco, fighting Fed cases. Heavy hitter clients, but makes a point of refusing to represent anyone accused of murder or human trafficking. Intimate knowledge of Federal prosecutorial procedures and evidence-collection protocol. Smart. Methodical. Very expensive.” “Perfect.” “I did mention ‘very expensive?’” “You did.” “I’ll send his contact information now.” =================================“I’m sorry - Mr. King is in court all day and won’t be back in the office. His earliest appointment is tomorrow morning after a client meeting. Shall I book him for 11am for you?” “Yes, thank you Marta.” “We’ll see you tomorrow at 11 then.” I look at the digital clock in my kitchen - it reads 10:44am. Just me and a stack of bills which may or may not be fake, no formal legal representation for over 24 hours. It’s going to be a long day. Taking even a few of these bills to a bank to corroborate their authenticity is out of the question. If a bank officer confirms they are fraudulent, I’ll be arrested on the spot, and since I haven’t hired counsel, I’d be at the mercy of the Public Defender’s Office - the most overworked and underpaid division of the American Criminal Justice system. No, thank you. The next number I dial is an old friend, Robert Kendrick, sole proprietor of ‘Secher Nbiw - The Golden Path,’ a gold bullion dealer with a whimsical Dune reference in the name of his shop. I’ve known Robert for over a decade; his business deals in large amounts of (mostly) legal cash. By necessity, he has a high-end currency counter/ counterfeit detection device in his office, which can swiftly count and verify large sums of money with precision. “Bobby, it’s me.” “Hey, what’s up.” “Can I come to your office - like right now?” “Sure, what do you need?” “I, uh, came into some money. Long story, and I really don’t want to get too much into the details … but I’m wondering if you’d be willing to run the bills through your counter for me? I’m not 100% sure they’re real, and I’d like a discreet way of verifying them. If they are, I’m going to pick up some bullion as well.” “Sure man. Happy to help. How much money are we talking about?”“$60,000” I flinch at that - I hate lying to friends, but at this point, I have no idea who to trust. Though if you want to be technical about it, I did come across $60,000. I am just simply not telling Kendrick about the other $940,000 that accompanied the $60k in the satchel that dropped into my life just three hours ago. “Come on by.” I pull apart a few $10,000 currency bands and start plucking random $100 bills from the middle of every 10k stack to assemble a randomized sample of the entire million. 100 bills, wrap it up. 100 bills, wrap it up. 100 bills, wrap it up. Three bands, thirty thousand dollars, randomized and fully assembled to be tested for authenticity. “Half” of my alleged $60k windfall. The rest of the loose bills are refolded back so there remains 97 stacks of $10k racks, re-wrapped and properly sorted. In 30 minutes, I will figure out if I’m rich, or holding on to enough illicit contraband to send me to Federal Prison for the rest of my life. =============================The Golden Path, like most bullion dealers, work out of small, highly secured office covered by multiple layers of security. At any given moment, Robert may have several hundred thousand dollars in cash or gold, silver and platinum bullion on the premise, it pays to be careful. One of the few civilians in California with a Concealed Carry Weapons permit, Kendrick and I met on pistol gun range ten years ago; we bonded over shooting .45 ACP slugs down-range. He and I spent countless hours debating the relative merits of his preference for single-action 1911s, vs my bias toward double-action SIG-Sauer P220s. In the bullion business, you learn to know the boundaries of money-laundering laws, and know how to walk right up to the edge without triggering reporting thresholds. Drop US$10,000 in cash or more at a car dealership, bank or bullion dealer in a single day’s transaction, and the U.S. authorities gets very interested in the source of your funds. By law, these business that receive such sums of cash must fill out invasive forms to tie the transaction to you and your Social Security Number. Keep cash transactions below US$10,000, and you can avoid much of that intense scrutiny. “Welcome back man. I haven’t seen you in a while.” A discreet man, Kendrick does not inquire further about the source of the cash. In the business of buying and selling gold bullion, you learn to comply with the letter of the law, while avoiding conversational topics that can jeopardize one’s own plausible deniability. While his clientele is mostly legitimate, I’m certain the most lucrative of his customers are criminals - and he smart enough to know not to ask the sort of questions that open up a line of liability for him. So long as the proper theatrics of anti-money-laundering protocols are observed, everyone is technically in the clear. I hand him the three $10k stacks and he pulls the bands off them and puts the entire block in his high-speed currency counter. After a second, the machine spools up and the digital counter swiftly runs from zero to three hundred. Thirty thousand dollars. “It’s real.” It’s real. His words hang in the air for a moment, and it takes a moment for them to sink in. One million dollars. Genuine currency of the United States of America, the most recognized and accepted form of money in the world - denominated in crisp, non-sequential bills. I hold my face as neutral as possible, but my excitement made me slightly dizzy, and I am glad I was sitting down. “What’s the spot price of Gold today?” Kendrick’s eyes drift to his laptop computer, where the current day’s commodities prices were fed to him via a live stream. “$1334 Ask, $1335 Bid.” I nodded my understanding.Precious metals bullion trade in troy ounces, and prices are quoted on a per troy oz basis; depending on the specific type of bullion (bars, coins, make), there are different markups from the quoted price. Depending on the specific form, Gold is typically marked up by USD$20 to $60 over the day’s quoted Bid price, and sells for $5~10 over the Ask. “What do you have in inventory right now for gold?” “The usual. South African Kugerrands. American Eagles. Canadian Maples. Oh, I do have a lovely Credit Suisse 5oz bar that somebody just sold to me, and I’m happy to let it go for $25/oz over spot.” I quickly did the mental math calculation. With the hard-cap spending limit of $10,000 before I trigger any mandatory anti-money-laundering paperwork, $1335/oz works out to about seven troy ounces of bullion I can buy, without forcing Robert to fill out invasive forms about me and my identity. “I’ll take the 5oz Credit Suisse bar, and two American Gold Eagles.” Kendrick pulls out a calculator and taps in the numbers, “So five troy ounces at 25 over spot plus Eagles at $50 over spot works out to nine thousand six hundred and -“ “Take ten grand and keep the change.” I interrupt. “I will be back for more.” He raises his eyebrow, but says nothing. “Thank you. I’ll be right back.” He counts back $20,000 and hands it to me, taking the $10,000 in the back room of his office and returning with the 5oz Swiss bar and two heavy 1oz American Eagles, along with a receipt for US$9675. I pause for a moment and hand him back one of the $10,000 stacks. “I know the limit is $10k in transactions per day. Consider this pre-payment for a purchase tomorrow. Your call, on a mix of anything up that totals up to $9500. Keep the rest for you and Katie.” A barely-perceptible smile flickers across his face, then his face was clear again. “Sure thing.” There’s nothing like the feeling of holding physical gold - the density, color and heft of the metal is like no other substance on earth, and it is no wonder that since its discovery, every culture on Earth treated gold with awe and respect. With 18 hours left before I can understand my legal options, there’s only two things I know for certain: 1. The money is real. 2. At least one person knows exactly where I live, and where the money was dropped off. I need to get mobile. I need to get mobile and off the grid ASAP.... to be continuedIf you'd like to be the first to get updates to this story, please add me kai chang 張敦楷 (kaichang) on Twitter. Part 2 (of 10) is being written right now, will be announced on Twitter. Please follow for updates on the saga of the Quora Millionaire! :D
Do banks treat you differently when you make large deposits?
I’m a professional poker player and won an event once for $286,000. So not an obscene amount of money, but more than your typical customer probably walks in and deposits in cash. Which, btw, if you ever come across a quarter million in cash, It’s probably not the brightest idea to just walk into your local bank branch, unannounced, and start handing them stacks of hundreds wrapped up in $10,000 bundles.This was also directly following the big 3 U.S. poker sites facing indictment and being shut down in the U.S. So claiming online gambling winnings was not a good idea given the climate.I entered the bank and approached an open teller’s window, unzipped my Columbia House duffle bag—which had been given to me as a free gift for being suckered into joining their movie club almost a decade before. As I started stacking the money I stacked 7 packs of $10,000 and opened one up as they were also denominated in stacks of $1000 and separated in the middle by a $5,000 band. I told the teller that I’d like to wire $75,000 to the Bellagio Hotel and Casino —I was headed to Vegas that weekend to play in some high stakes games which were running—and proceeded to pull out the necessary information to wire the money. I put the $5,000 on top and took the other $5000 and stuck it in my sport coat pocket so I’d have some walking around money for when I first arrived in Vegas, before I was able to get to the cage to collect my wire.I had lived in Vegas for a number of years, and it wasn’t unheard of for someone to win an amount like this and have it paid out in cash. Uncommon? A little. But certainly not unheard of. Except I wasn’t in Vegas, I was in a local branch in the suburbs of Kansas City. Where apparently a sub 30 year old doesn’t walk in very often with near $300,000 in cash bundled up in a old, blue, Columbia House duffel bag for a deposit.She instantly asked, “Where did you get all this money?” And then, “That’s a lot to send to a casino to gamble with.”To which I thought, “That’s none of your f**king business.”She must have been able to read the disdain on my face as she instantly excused herself and apologized. A couple minutes later when I had the cash all stacked up on the ledge of the teller window with the 75K off to the side and a slip filled out with the information for wiring the money to the Bellagio main cage, a man approached in a suit and tie and asked if I’d like a private room. I told him I didn’t really need one, that the money was all there, had already been counted, and was ready for deposit. I looked around now to notice several bank employees and customers staring at me but quickly looking away and going back to their business as they saw me looking around the bank.Apparently they don’t just take your word for it when you tell them how much it is, even when packaged up in nice, neat, 10K stacks and 50K bundles. The man in the suit and tie introduced himself as the branch manager and informed me that the money would have to be ran through the machine to be counted and to verify none of the bills were counterfeit. He asked me if I wouldn’t mind coming back to his office and waiting where they could discuss some deposit options with me and then offered me some coffee or something to drink as he motioned with his arms the direction to his office.He too asked me where I had gotten the money, and I was very careful not to mention anything about gambling or playing poker as I knew what an apprehensive issue it was in the financial industry at the time. The Wire Act didn’t prevent playing poker online, exactly, it prevented financial institutions from processing gambling transactions. And the Big Three poker sites in the U.S. hadn’t been shut down with their owners indicted for offering poker online, they had been shut down with the owners indicted for purchasing a bank in Utah where they processed the illegal transactions fraudulently under phony business names. So I told him I’d obtained it selling drugs with a smirk.He didn’t find it as funny as I did so I quickly told him I was kidding, then vaguely told him that I had gotten the money from a friend I had a business interest with, and if he checked my account history he would see that large wires and cash deposits like this weren’t extremely uncommon. He then asked me why I was wiring 75K to Bellagio, and I again smiled and told him it was none of their business and asked if they wanted to continue to do business together or not. He seemed a bit jolted by my standoffish attitude but also seemed to acknowledge that there wasn’t anything illegal about wiring the money to the Bellagio, in fact, Bank of America (a branch of which we currently resided), had a specific account to account transfer option that allowed money to be transferred internally, instantly between any BoA account holder and MGM property.After a brief bit of silence I broke up his dumbfounded look by saying, “look man, are you going to count the money and verify it or not. I’m kinda busy today.” He informed me that the money had been counted and was actually $900 dollars long of $281,000, which I’d put 5K in my pocket of the original $286,000 and to this day scratch my head wondering where/how that extra 900 found its way in there.He seemed to sense I was perplexed by the previous accounting error and said, “looks like you don’t need to go to Vegas, you’re getting lucky already.”I smiled and he informed me they would have to fill out all the necessary tax and legal compliance paperwork including a suspicious activity report (SAR) with FinCen.That was in 2012 and I’ve never heard anything from FinCen. Though I do pay my taxes as required by law and do claim professional gambler as my form of employment. I suspect they have a stack of SAR’s somewhere at FinCen on me that they’ve investigated a few times before as I’ve used some creative ways to repatriate gambling winnings over the years, everything from foreign bank accounts in Malta, to Bitcoins, to even using large bulk purchases of prepaid phone cards (don’t ask). For a period I was “randomly” selected to be searched at the airport EVERY. SINGLE. TIME. I flew anywhere for anything. But that has since stopped, which I can only imagine I owe a “Thanks, Obama,” for having the Department of Homeland Security and the DOJ scrub those lists.
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