Help scamming my bank, kind of, maybe...

So it's the end of the month...well now it's the first of the month I guess and I'm up in middle of the night trying to see what time my check hits my bank account.

But me being poor white guy I like to be able to overdraw my account towards the end of the month sometimes if I need cigarettes or milk or euphoric substances.

My current bank won't let me do this in any way shape or form, that I can figure. Currently I use Higher One (BankMobile Vibe), the big national college/financial aid refund bank. My non college checks get deposited there as well.

How can I over draft them or scam some money into my account without getting into too much trouble?

The only thing I can think of is to set up some sort of account that mirrors something like a utility account. Because if my power company takes my monthly due from my checking account and I have no money in it, it will draw on my account and make it negative. That's the only way this account is allowed to go negative. So can I set up some sort of account that can externally dip into my checking account like the power company does????????

Then have that money available to me, preferably immediately.

you got too much time on your hands pal. I understand the part about being broke as fuck checking the bank acct, but the idea of setting up another acct to scam my own account into overdrawn-ness is sort of retarded no?

Obviously you have not thought this through. Do you know how much trouble you can get in for bank fraud? It's not worth the risk. Invest in a ski mask and rob a train. That's where the real money is. And nobody robs trains anymore. So they'll respect you and give you all the money just for bringing it back.

Retardness?? Yea a little, but sometimes who cares about a 35 dollar over draft when I need a carton of smokes.

Check comes in at 3am btw

And yea I know all about bank fraud rules and blah blah blah. I'm not really trying to defraud my bank; rather forcing them to help a cracka out!

But for real, if the power company can overdraw my account, I should be able to right? I GIVE MYSELF THE AUTHORITY!

All you got to do apply for a PayPal business debit which links your account to your PayPal account and gives you a business debit card. Not credit card

You can swipe that thing all day long and it takes several days to go through at times

They will approve up to about four transactions without it going through the account yet depending on the size

Ive used to do this all the time as I had the same problem you did

With all that time you could get a job

@camaro630hp
Thanks for the actual tip!

@sunni
Yes I 100% agree with you. Unfortunately I have not been able to work for a year now due to complications from a very major back surgery. Been a hard working blue collar guy my whole life and can't do that type of work anymore. Six months away from my Accounting degree, so it's not like I'm not trying improve my circumstances.

MoMoGrows said:

@camaro630hp
Thanks for the actual tip!

@sunni
Yes I 100% agree with you. Unfortunately I have not been able to work for a year now due to complications from a very major back surgery. Been a hard working blue collar guy my whole life and can't do that type of work anymore. Six months away from my Accounting degree, so it's not like I'm not trying improve my circumstances.

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No problem at all brother I've just been there from time to time ever since the bank cracked down on approving transactions when the money is not available I noticed the PayPal business debit will get me out of a pinch

I always just use as a last resort because if they get a rejected transaction from the bank they tend to be a little bit more skeptical about approving any transaction after that until that one is paid.

The only reason I obtained the card is to have my PayPal funds when I was selling stuff on eBay available immediately or have a card to withdraw them from the bank

I hope that helps Just be careful as the hole for transaction rule dose apply So if you're gonna need anything I would make sure you do your large transaction the first time Make sure you get everything you need to get you bye


Wish you all the best

MoMoGrows said:

@camaro630hp
Thanks for the actual tip!

@sunni
Yes I 100% agree with you. Unfortunately I have not been able to work for a year now due to complications from a very major back surgery. Been a hard working blue collar guy my whole life and can't do that type of work anymore. Six months away from my Accounting degree, so it's not like I'm not trying improve my circumstances.

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That's awesome congrats sorry to hear of your back surgery
Just a tip Amazon hires full time for at home work for the holidays

sunni said:

That's awesome congrats sorry to hear of your back surgery
Just a tip Amazon hires full time for at home work for the holidays

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Sweet thank you Sunni. I sincerely appreciate the heads up.

MoMoGrows said:

Sweet thank you Sunni. I sincerely appreciate the heads up.

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Dude sell your butthole. It's the only way.

Bob Zmuda said:

Dude sell your butthole. It's the only way.

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Oh I already sold it. Not like you're thinking. Some dude wanted it just to draw a smiley face on it, put it on a stick, and walk around town with it.
Kinna sucks tho, I gotta poop out of my weener now. =(

Oh how I remember the ol days when you could float a check a few days before payday & it would still clear ok....

wouldn't robbing a jewelry store be easier?......wrong thread?

Why not just follow a ups truck and pick up packages...

neosapien said:

Obviously you have not thought this through. Do you know how much trouble you can get in for bank fraud? It's not worth the risk. Invest in a ski mask and rob a train. That's where the real money is. And nobody robs trains anymore. So they'll respect you and give you all the money just for bringing it back.

Click to expand...

That's what this kid thought...

doublejj said:

Oh how I remember the ol days when you could float a check a few days before payday & it would still clear ok....

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Dad called it rubber check day. I asked him why and he told me because it may bounce.

Hell, I remember when I was an airman and the px still used the paper swipe thingy for debit cards. I could get stuff a week before payday because it took a week to 10 days to process.