So you found some money missing from your account. Maybe you threw it away and assume it was a fraudulent transaction. You look it up in your bank's system and find that it came from a business account you did not open. How do you go about getting the money back? You probably call the bank, but they won't help you because they only handle accounts that are open. There are ways you can get the money back even if the bank does not want to give you the money back.
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If you have a phone number of someone who can help you, give them a call right away. Call the bank and ask them for the account number and routing number of the person who took the money from your account. This is information that you should have in your possession at all times so you can prove it. If the cheater does not have an account number or routing number, you can get this information from the billing statement.
What can you do with my bank account and routing number and still get the money? Go online and use a search engine to look up the routing number or account number. You will need the account number. You may also need the banking or financial institution's website. Go through their website and look up their routing number. The last thing you want to do is give the bank incorrect information.
What Can Someone Do With My Bank Account Number and Routing Number?
Once you get the routing number or account number, enter this information into an online bank checking or savings account form. Make sure to include the routing number that you got from the phone call. If you are comfortable with this information, then fill out the application fully. Make sure you indicate that you are aware of and understand this plan of action.
You will have to sign a non-disclosure agreement. You will not tell anyone else what you did or what is going on. This means that if your employer finds out, they cannot discipline you because you went to your bank and cleared your account. Your bank does not have to tell anyone else either. They are only required to tell you if you fail to meet your requirements as agreed in the NDA.
These requirements include having a current bank account open, having a payroll deposit in your account and a cashier's check drawn on your account. You must keep these things updated to avoid overdraft fees. It can be tempting to take some of the checks for small expenses when you have a zero dollar bill balance, but this is wrong. If you are not able to pay the entire credit card debt off at the end of the month, you will be charged a fee for overdraft fees.
The other option is to use one of the many prepaid debit cards. You can add money to this type of account and spend it just like a normal account. You do not have to have a bank account to open a debit card account. In fact, you do not even have to have access to a telephone line for it.
Some banks require that you have a social security number to open a card. If you do not have this, most likely your only choice is to use a prepaid debit card. You can find these at many locations that provide banking services. If you want to know what can someone do with my bank account number and routing number, check with your local bank to see if you can still use them.
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