playbooks

Relocating puts banking in limbo: old accounts don’t fit the new country, the residency card hasn’t arrived. The sequence that doesn’t wait on the card.

The subject line alone makes your stomach drop. What a bank or fintech is really asking for, and how to answer without turning a routine review into a closure.

Passport, ITIN, entity, EIN, and a real US bank sabotage each other in the wrong order. The full sequence non-residents need before filing anything.

The Federal Reserve’s own proof that your wire was legitimate. What an IMAD number is, how to get one, and where it belongs in a freeze complaint.

No explanation and no appeal button. What “no reason” usually means underneath, and the week-one moves that don’t make your file worse.

Ten days of “routine check” with payroll due is a fintech freeze — it moves differently than a bank freeze. What gets a response, and what to run in parallel.