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So you want to make 30 thousand eh? How about 60 thousand? Not Possible you say well here is a slight re-work of a popular money making adventure:
What you will need?
1. About 3000.00 Dollars
2. A couple of good novelty Dl's or Id's
3. A larger sack of balls than you have now.
4. A brain which most of you have.
5. About 35 to 40 days of your time.
Pick a mid size town with a population of say 500 thousand or more but not less than say 275 thousand people or more than 1 million. Drive there with the above list with a cup full of hope and box full of balls.
While this used to be able to be done at most banks the possibility of it happening at the 5 larger ones are next to impossible now due to software enhancements to their computer and security structure. (Thanks in part to Frank Abagnale whom most real check artist's should know of if not read a book called Catch Me If You Can).
Find a local Community Credit Union make sure it has at least 20 branches and drive troughs and go in and make sure it has at least 15 to 20 tellers busy on a Friday and lots of people coming and going in most of their locations.
Use the thrifty nickel and go find a trailer for rent in a lower class neighborhood. Explain to the landlord you have money from your family and that you just want a place to rent and you are going to look for a local job. Most will not even check you out if you just play it small time and alone and use all the qualities of the working class people to fit the neighborhood you are in. Wear the same type of clothes and drive the same type of car although the auto doesn?t have to be anything if you really want to omit that part.
Once with rental lease in hand go down and get the water turned on in your novelty name and the electric the same way. Then follow up with the phone and you should have a decent novelty with a decent SSN# depending on the phone service in that town. If you are using a phone service that runs credit try and find a local company that offers local dial tone access for 49.00 and a 100.00 dollar deposit. You cannot be turned down in these places unless you owe them and they never run credit and they are always in most towns of that size. Next up is a job that you can use a service for or set-up your own DBA company by filing the paperwork with the county. No checks are usually done in those places for DBA's just make sure its not a sheriffs card that you have to apply for to have a dba. But if so then you need to use a service for employment that u can find here on the boards. After that you are ready to go.
Go down to the local Community Credit Union, not a CREDIT UNION that belongs to supports or Safeway or some such thing but make sure its a Community Credit Union. Here they offer checking accounts to anyone you cannot be turned down because its a membership only type of bank. You usually start out with a 25.00 dollar savings account and then you ask for checking as well and they open it for you. Start with a 500.00 dollar deposit and then get your paperwork and take your temps and leave. These places rarely use chex systems because they are membership based you do not have to usually worry about credit reports as long as you do not try to get a debit/check card, if you get one of these they make it mandatory to give it to a loan officer to run a credit on you if your id was good looking but not tight that is where you will fail right there. Anyway all you need do now is enjoy the town for awhile, go out to Wal-Mart and buy stuff for your temp trailer. Shop and shop wisely creating a paper trail at the bank. make another deposit with cash in a week or so, and continue to shop at various establishments in town ie. grocery stores and the like keep building that base. Same time about the following week deposit 1000.00 dollars into your account and have about 1200.00 in it from this point on all the time.
Go to office depot and purchase the old standby versa check and a laser printer usually an HP brand laser will do. Then look up on the web and purchases some MICR toner cartridges and install them in your printer. Install versa check and insert paper and you are pretty much ready to go. Obtain some bank account numbers by calling some banks from just outside of town like a 4 hour drive away or a bit less. Call and ask for the a teller to speak with, when one gets on just quickly ask for their routing number because you want to wire funds to your brother or your sister who just got into a wreck and needs money. They instantly gives this info out(this info is easily obtainable along with starting account numbers and so forth by going to bankersonline.com and going to their books section and ordering it. Its like 200.00 dollars. After obtaining the routing codes and hopefully you have a beginning account number string if not just make it up you are ready to make your payroll. Go to a local phone book and pick out a concrete company that just has a phone number and address. A small ad will do for a company. Now make your payroll with that company info and set the amount of the checks at anywhere from 989.05 to 996.54 and make out 30 checks like this and use high numbers on the check numbers always 3400 and up no starting numbers in the 1000's that will get you a hold on funds no matter what. Anyway once you have this done make sure you are still using your bank and making deposits and small shopping withdrawals. Wait until about the 35th day and your account should now be outta new account hell and should now be a regular account on the computer. Meaning all checks are usually good. But you are not going to make any more deposits you are now ready to proceed to the last step cashing your payroll.
This step usually takes 2 to 3 days and you just start on Thursday afternoon and just go through the drive through and cash your check against funds. You are not depositing you are cashing it against the funds you have in the bank. They know that if the check comes back you will be covered plus you are a regular. Most credit unions, and I will have to say from experience that it covers about 75 % do not have a way of identifying checks cashed against funds. They pretty much know that they would not need to have that info since you are a regular customer and they feel they can trust you after all you are a member and the screen has enough activity on it to show that you are not scamming them. All you do then is drive to each branch and cash your payroll check. After you have hit all the branches it should be a Saturday by now and you just finish up by starting over and use slightly less on the check say 675.00 and make it even numbers because you can explain that they owed you extra funds if you happen to run into the same teller say hi and smile and talk about your hard day. It does help to have as much body language as you will need with anyone you run across that would maybe question you because you just cashed this a day or so ago and this usually is only the last 10 that you re-visit this is not necessary if your Credit Union has 30 branches. But usually I have found that 20 branches is plenty. Well after you are done you just pack up and leave you used MICR toner and so you will not be flagged at the fed because most people that do not use MICR toner end up in what?s called special processing and most people at transfer sites know that if it doesn?t have MICR toner its suspect so use MICR toner its your friend in time. You have at least 5 days before these get turned back into your account and by that time you have left. 30 thousand dollars richer. Now all you need do is get to the next town and do it again. You want to work as if you need to make a large goal. Sure its up to you but try and work at least 10 of these deals so you can retire for a year or two and research better ops.
Money spent:
1. About 350.00 plus 150.00 deposit on the trailer.
2. Electric and water deposits usually range about 200.00 for all of it.
3. Phone deposits generally are about 80.00 to 120.00 and less if you use a good id with a decent ssn#. But to avoid ID theft its better to just get a local dial tone from a service that offers it to dis- advantaged people.
3. Deposits at the banks of 500.00 initial and 25.00 for the membership fee in savings.
4. Shopping sprees that are small but numerous to create a larger screen of regular income and outgo 750.00 including your software and laser printer and MICR toner.
5. The last 1000.00 deposit you make to keep your account above 1000.00.
Total invested: about 3000.00
Total return: Gross=about 30,000
Minus expenses= about 27000.00
Times 10 Cities= 270,000
Not bad for a start and you guys that have access to novelties that are good and have the balls to use them should have no problem with this scam.
An answer about how you know if the Credit Union has the software to track you all you need do is call before opening your account and asking a teller on a busy day quickly "Hey can you track my payroll check I cashed against funds yesterday cause I need the routing number off the check for my accounting software," they either will tell you sure what?s the account number in which you just say oh no I don?t have it in front of me let me get home and Ill call you back or they will tell you "Sir we are unable to do that because its a check cashed against funds and we have no way to track those" Say Oh ok well thank you Sir/Ma?am and your all set.
I know this has been done many times and some may already know of it but this is posted for the general people that are just starting out and want to try their hand at Banking..
What you will need?
1. About 3000.00 Dollars
2. A couple of good novelty Dl's or Id's
3. A larger sack of balls than you have now.
4. A brain which most of you have.
5. About 35 to 40 days of your time.
Pick a mid size town with a population of say 500 thousand or more but not less than say 275 thousand people or more than 1 million. Drive there with the above list with a cup full of hope and box full of balls.
While this used to be able to be done at most banks the possibility of it happening at the 5 larger ones are next to impossible now due to software enhancements to their computer and security structure. (Thanks in part to Frank Abagnale whom most real check artist's should know of if not read a book called Catch Me If You Can).
Find a local Community Credit Union make sure it has at least 20 branches and drive troughs and go in and make sure it has at least 15 to 20 tellers busy on a Friday and lots of people coming and going in most of their locations.
Use the thrifty nickel and go find a trailer for rent in a lower class neighborhood. Explain to the landlord you have money from your family and that you just want a place to rent and you are going to look for a local job. Most will not even check you out if you just play it small time and alone and use all the qualities of the working class people to fit the neighborhood you are in. Wear the same type of clothes and drive the same type of car although the auto doesn?t have to be anything if you really want to omit that part.
Once with rental lease in hand go down and get the water turned on in your novelty name and the electric the same way. Then follow up with the phone and you should have a decent novelty with a decent SSN# depending on the phone service in that town. If you are using a phone service that runs credit try and find a local company that offers local dial tone access for 49.00 and a 100.00 dollar deposit. You cannot be turned down in these places unless you owe them and they never run credit and they are always in most towns of that size. Next up is a job that you can use a service for or set-up your own DBA company by filing the paperwork with the county. No checks are usually done in those places for DBA's just make sure its not a sheriffs card that you have to apply for to have a dba. But if so then you need to use a service for employment that u can find here on the boards. After that you are ready to go.
Go down to the local Community Credit Union, not a CREDIT UNION that belongs to supports or Safeway or some such thing but make sure its a Community Credit Union. Here they offer checking accounts to anyone you cannot be turned down because its a membership only type of bank. You usually start out with a 25.00 dollar savings account and then you ask for checking as well and they open it for you. Start with a 500.00 dollar deposit and then get your paperwork and take your temps and leave. These places rarely use chex systems because they are membership based you do not have to usually worry about credit reports as long as you do not try to get a debit/check card, if you get one of these they make it mandatory to give it to a loan officer to run a credit on you if your id was good looking but not tight that is where you will fail right there. Anyway all you need do now is enjoy the town for awhile, go out to Wal-Mart and buy stuff for your temp trailer. Shop and shop wisely creating a paper trail at the bank. make another deposit with cash in a week or so, and continue to shop at various establishments in town ie. grocery stores and the like keep building that base. Same time about the following week deposit 1000.00 dollars into your account and have about 1200.00 in it from this point on all the time.
Go to office depot and purchase the old standby versa check and a laser printer usually an HP brand laser will do. Then look up on the web and purchases some MICR toner cartridges and install them in your printer. Install versa check and insert paper and you are pretty much ready to go. Obtain some bank account numbers by calling some banks from just outside of town like a 4 hour drive away or a bit less. Call and ask for the a teller to speak with, when one gets on just quickly ask for their routing number because you want to wire funds to your brother or your sister who just got into a wreck and needs money. They instantly gives this info out(this info is easily obtainable along with starting account numbers and so forth by going to bankersonline.com and going to their books section and ordering it. Its like 200.00 dollars. After obtaining the routing codes and hopefully you have a beginning account number string if not just make it up you are ready to make your payroll. Go to a local phone book and pick out a concrete company that just has a phone number and address. A small ad will do for a company. Now make your payroll with that company info and set the amount of the checks at anywhere from 989.05 to 996.54 and make out 30 checks like this and use high numbers on the check numbers always 3400 and up no starting numbers in the 1000's that will get you a hold on funds no matter what. Anyway once you have this done make sure you are still using your bank and making deposits and small shopping withdrawals. Wait until about the 35th day and your account should now be outta new account hell and should now be a regular account on the computer. Meaning all checks are usually good. But you are not going to make any more deposits you are now ready to proceed to the last step cashing your payroll.
This step usually takes 2 to 3 days and you just start on Thursday afternoon and just go through the drive through and cash your check against funds. You are not depositing you are cashing it against the funds you have in the bank. They know that if the check comes back you will be covered plus you are a regular. Most credit unions, and I will have to say from experience that it covers about 75 % do not have a way of identifying checks cashed against funds. They pretty much know that they would not need to have that info since you are a regular customer and they feel they can trust you after all you are a member and the screen has enough activity on it to show that you are not scamming them. All you do then is drive to each branch and cash your payroll check. After you have hit all the branches it should be a Saturday by now and you just finish up by starting over and use slightly less on the check say 675.00 and make it even numbers because you can explain that they owed you extra funds if you happen to run into the same teller say hi and smile and talk about your hard day. It does help to have as much body language as you will need with anyone you run across that would maybe question you because you just cashed this a day or so ago and this usually is only the last 10 that you re-visit this is not necessary if your Credit Union has 30 branches. But usually I have found that 20 branches is plenty. Well after you are done you just pack up and leave you used MICR toner and so you will not be flagged at the fed because most people that do not use MICR toner end up in what?s called special processing and most people at transfer sites know that if it doesn?t have MICR toner its suspect so use MICR toner its your friend in time. You have at least 5 days before these get turned back into your account and by that time you have left. 30 thousand dollars richer. Now all you need do is get to the next town and do it again. You want to work as if you need to make a large goal. Sure its up to you but try and work at least 10 of these deals so you can retire for a year or two and research better ops.
Money spent:
1. About 350.00 plus 150.00 deposit on the trailer.
2. Electric and water deposits usually range about 200.00 for all of it.
3. Phone deposits generally are about 80.00 to 120.00 and less if you use a good id with a decent ssn#. But to avoid ID theft its better to just get a local dial tone from a service that offers it to dis- advantaged people.
3. Deposits at the banks of 500.00 initial and 25.00 for the membership fee in savings.
4. Shopping sprees that are small but numerous to create a larger screen of regular income and outgo 750.00 including your software and laser printer and MICR toner.
5. The last 1000.00 deposit you make to keep your account above 1000.00.
Total invested: about 3000.00
Total return: Gross=about 30,000
Minus expenses= about 27000.00
Times 10 Cities= 270,000
Not bad for a start and you guys that have access to novelties that are good and have the balls to use them should have no problem with this scam.
An answer about how you know if the Credit Union has the software to track you all you need do is call before opening your account and asking a teller on a busy day quickly "Hey can you track my payroll check I cashed against funds yesterday cause I need the routing number off the check for my accounting software," they either will tell you sure what?s the account number in which you just say oh no I don?t have it in front of me let me get home and Ill call you back or they will tell you "Sir we are unable to do that because its a check cashed against funds and we have no way to track those" Say Oh ok well thank you Sir/Ma?am and your all set.
I know this has been done many times and some may already know of it but this is posted for the general people that are just starting out and want to try their hand at Banking..
