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BANK DROPS
Now that you have learned how to find the perfect IP address and source a high credit score fullz or EIN fullz, I am excited to teach you how to build, maintain and utilize a strong bank drop. I can't lie, when I first started learning how to open bank drops I thought it was the most difficult and sometimes frustrating thing in the world. I did not have the organizational skills that I've taught you above and a lot of times I'd be using a shitty SOCKS5 that would fail me and drop connection in the middle of the opening process. What a terrible time! As I practiced more and more, I developed a process and learned many things that makes this process go as smooth as a baby's ass. By the end of this section, you'll be a true BankPredator too.
OPENING A BANK DROP
Bank drops are usually at the core of any worthwhile fraud operation so it is important that you make a STRONG bank drop that is going to last you a long time so you can make a lot of money. There are many factors that come in to play when opening a bank drop that I am going to cover in this part of training.
By the end of this portion you are going to be able to open a bank drop that will stay open for a long time and be available any time you need it, as long as you treat it right.
So where do we start? We start by preparing with the 4 steps laid out below.
STEP 1 - Make sure that all of your information about your fullz is organized and easily accessible. I CANNOT emphasize this enough. Do not even think about starting to open a bank drop without this stuff being ready. So open up your "fullz" text document, background check, credit reports and "account info" sheet.
I always make sure to read over all of the information about my fullz before I start the process, that way I am familiar with the fullz. Pay close attention to the credit
report. If you see that they already have a Bank of America account, guess what!
You aren't going to have much luck opening a bank drop with them. Same goes for Suntrust, Citi, Capital One, etc. So be sure to check that out before deciding which bank you'd like to open an account with. My personal favorite bank accounts to work with are FifthThird Bank, TD Bank and Suntrust. They are easy to open and will stay open for a long time if you follow my instructions exactly.
Plus, the give you online access right away.
STEP 2 - Make sure that you have an IP address that is in the same state as the fullz home address, preferably within 80 miles. ALWAYS base this decision off of the fullz latest billing address on their credit report. This is the address that the bank will want to see when you open the bank account. If you don't use this address, you are at risk of having an earlier closure of your bank drop. Don't
worry I'll teach you how to make sure that your fullz doesn't get any mail from the bank when using their real address
You can use either a hacked RDP or SSH like I've taught you, just make your decision based on your needs.
When signing on to your RDP/SSH, make sure that your systems time zone is correct and reflecting your fullz time zone. Also, double check your system is set to the right language.. ENGLISH-US.
Be sure to note any information about the RDP/SSH you're using on the "account info" sheet for later use.
STEP 3 - Make sure that you have an email address and a Google Voice number ready to use. I usually buy these from a vendor called Antonsen on AlphaBay. Ibuy his $5 high quality Google Voice listing since they last forever and are on autofill almost always. You can go use the Gmail address that is associated with the Google Voice account when opening your bank drop. So go ahead and log in to the Gmail account and make sure that the log in information is working properly and that the Google Voice number is the same as what you were given when you bought the account. You want to make sure all this information is correct BEFORE opening the bank drop. If you don't, you risk wasting all of your hard work up until this point.
Also, note all of your Gmail/Google Voice info on the "account info" sheet I've provided.
STEP 4 - Now that you have all of your information ready and accessible, you're logged in to your RDP/IP, you're logged in to your email/Google Voice, you can take your pick of what bank drop you want to open. In this training, I will cover the opening process of the three bank drops that I work with most exclusively (FifthThird, TD Bank and Suntrust). I choose these banks because they are
strong brick and mortar banks and I pretty much get the account opened about 99% of the time with immediate online access. Banks like Bank of America, Citi, PNC, etc. all require a mail drop in order to open properly so I don't mess with those. A lot of fraudsters don't have this luxury, especially if they are not in the US, so I'm going to show you how to open the banks that don't require this extra step.
Now that you have made the pre-opening preparations, I will walk you through the opening process for each of these three banks and how to set your new bank
drop on paperless statements and notices to increase your chances of keeping your accounts alive for a LONG time.
SUNTRUST
I will start off with Suntrust. I'll be honest about Suntrust, I really don't like them as much as FifthThird or TD Bank. Reasons why I don't like them as much is that they do tend to get shut down a bit more often than the other ones and it always seems to happen with no reasonable explaination, but that's fucking fraud so you better get used to shit like that happening. If you are careful with these accounts and follow my guidance, they should stay open for a LONG time though. Shall we get started?
1 - Go to Suntrust.com
2 - Click Get Started. Scroll down a bit on the page that opens and click Open.
Now under Essential Checking.
3 - Now you will be here. Just click OK or whatever.
4 - Here you can choose whether or not you want to add a savings account. So basically you can open two bank drops at once. They will both require initial deposit of AT LEAST $25, although I suggest you go with $50. (I will cover initial deposits later)
5 - Here you will begin filling out the information about your fullz. DO NOT copy and paste this shit. Try to do it in a reasonable amount of time as well. This is why I say you must have all of you data accessible before you start this process.
You CAN use the Google Voice number when opening ALL the drops I'm teaching you about.
6 - Now look over all the information you've added and verify it is correct.
7 - Now you will be asked verification questions. Be prepared by having your credit report PDF open. There will be 3, sometimes 4 questions about your fullz.
You should be prepared for anything they throw at you. The question you see in this screenshot can be found on your credit report. Sometimes other questions can be about previous addresses, average age range head of household, professional background, family members locations, etc. You should have all the information you need at your disposal! Try and complete these questions quickly.
8 - Once you pass the verification, you will asked if you want a debit... say no.
Enroll in online/mobile banking? Yes! And continue. It is all pretty easy after the verification.
9 - Create your desired user ID and password. Note this stuff on your "account info" sheet.
10 - Read and accept the terms and conditions.
11 - Sometimes this screen pops up and other times it doesn't. Just fill it out as best you can based off your fullz credit report. Choose NO for wealth originating outside the USA.
Most fullz have had a relationship with other financial institutions in the past 2 years so use the credit report to determine this.
12 - Now on this page, choose more options. Unless you have a prepaid debit card like one vanilla visa that you have at least $50 on to make first deposit with.
13 - Here it will show you offline funding options. It will basically just tell you to write a check and send it in. I've always used this option and never sent a check, obviously. I always use PayPal or Venmo for initial deposit. Works for me...
14 - And look at that! Congratulations bank account opened. Take note of the routing number and the account number on your "account info" sheet. Very important details to keep track of! Scroll down a bit on this page and you will see a part saying log in to your online banking! Lets do it!
15 - And ok here is the Online Banking interface. Explore it do whatever you gotta do then click My Settings in the top right.
16 - Here is the my setting pop out. Click Address, Email, and Phone option.
17 - Here we will change the mailing address on file in order to avoid having Suntrust send shit to your fullz real home address (which is NO good). So click edit on the mailing address option.
18 - Now here is my trick with Suntrust. I always do this and 80% of my accounts stay live using this method. Uncheck the box stating that mailing address and street are the same. Do a quick Google search for your fullz nearest Post Office and note the City and Zip Code. Input that data and make up a PO Box number and place it in the first like on the address box and save.
19 - Lastly, you will need to go back to My Setting Popout. And Click on the Tax Forms option. Click on Tax Form Delivery and change Receive Tax Forms Online Only? From No to YES! Now your account is completly paperless.
And there you have it! You have now succesfully opened a Suntrust Checking
(and Savings) account. Later I will show you how to do the initial deposit!
Now I will show you how I open TD Bank Checking accounts!
TD BANK
Ok now TD Bank is pretty much my favorite bank drop to work with because they are STRONG and can take a beating! I've abused TD drops with dirty funds from multiple payment processors and had chargebacks hit debiting the account and they were still alive a month or so later sitting there with a negative balance. Most drops would close at that point, not my TDs though. So let's get you started on opening your own.
Before I start, let me tell you that TD Banks can only be opened with fullz from certain states. Here are those states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
1 - Go to TDBank.com, hover the mouse over "Banking" and click the checking option on the drop down menu.
2 - Here are the checking accounts you can choose from. Simple is fine, but I usually pick Convenience because they have PopMoney enabled. If you verify with them you can use PopMoney to send money around to other drops, but they are kind of gay. I RARELY use PopMoney.
3 - This screen will come up, click US!
4 - Now we can begin filling out the application.
5 - More shit to fill out.
6 - Here you fill out SSN, DOB and Driver License Number. Be very careful when entering this info and make sure you input correctly.
7- Here you should answer this according to your fullz occupation you see on their credit report. If you like you can choose "investments" on source of income too.
8 - Now here you can see some examples of verification questions they might ask you. TD asks some tough questions, but if you've done your homework as I explained in the sourcing fullz section you will most likely do fine! However, I've failed this verification before, restarted the application and passed it and opened the account without issues. If you prefer you can get a Westlaw background
check on your fullz from the vendor doracard which will have ALL the answers to these verification questions.
9 - So you've passed the verification and now you can choose if you want a debit card. I'm not a US guy so I don't get the debits. So doing this as I do, UNCHECK the box so you don't get the debit card!
10 - Here I normally select Medium under both the expected deposits and withdrawal sections. Primary reason I pick household payments. Sometimes I'll put bill pay. Just switch it up a bit though to avoid "fingerprinting". Just click NO under the section talking about whether you will use the account for internation wire transfers.
11 - Here just gloss over the Electronic Record Disclosure and check the verification box.
12 - Here they ask you about making your first deposit. If you have a prepaid one vanilla Visa as I've suggested in the Suntrust opening you can use that here as well. Remember you need $50 bucks! If not, just click that you will fund the account at a TD bank within 45 days. Trust me.. I'm not a US guy and I don't make deposits at the bank lol PayPal and Venmo work fine for me.
13 - Now just choose your username and temporary password for online banking.
14 - And Congratulations! You have now opened your new TD Checking account.
15 - Ok now scroll down a bit and you will see the option to log in to your online banking.
16 - After you've logged in, you will now need to verify you've read the Online Banking Agreement. Check the box and click NEXT.
17- Now you will need to create a new Password according to TD's password specifications.
18 - Here you will need to set up your security questions. Just scroll down a bit and you will see where you can fill out 3 different questions. Be sure to take note of these questions and answers! They will ask you for the answers from time to time and the answers are case sensitive! Once you've finished click SUBMIT
19 - And there you go! You're now in your new account!
20 - Scroll down a little bit and you'll see the link to "Sign up for Online Statements" Click that!
21 - Now enter Nickname (it doesn't matter, it can be fuck boy if you want). Enter the email attached to your account. Click both of the blue links, they will create pop ups which you can close out of. Now you can check the two boxes signifying that you have read and acknowledged the agreements/requirements of online statements. Then click the orange box!
22 - And now you will see that you have successfully activated Online Statements. However, you are NOT done yet. Click the green Notices tab!
23 - Now that you have clicked Notices tab, you will see the orange box that says "Turn off paper, etc" Click it!
24 - Now that you have clicked it you will see this page. Just check the box outlined in yellow and click save changes! This will make sure all the Notices and sent online. Effectively making your account entirely Paperless.
25 - Here you can see all the different notices that will now be Online delivery only!
26 - Now go back to your Accounts homepage and let's find your routing number.
The routing number is different based on which state your fullz is from. On the left side menu you will see a blue link that says "ABA Routing Number". Click that and you will get a pop up with all the routing numbers. As you will see below.
And that is it! You now have a TD Checking account that is completely Paperless. These accounts are strong and hands down my favorite drop to work with!
Lets move on to the 3rd and final bank, Fifth Third.
FIFTH THIRD
Alright so FifthThird is another good bank drop that I like to use a lot. They are a bit tricky sometimes because sometimes when I go to open one and enter my zip code they will say sorry we are not available in your area. I've had best sucess opening Fifth Third drops with Florida fullz so when you have a Florida fullz swing by Fifth Third and give them a shot! This is seriously one of the easiest
bank drops to open because 99.9% of the time they DO NOT ask you verification questions. This does not mean, don't come prepared though! Let's begin.
1 - Go to 53.com and hover your mouse over the banking tab. Click Checking Accounts.
2 - It'll take you to this page, just scroll down and you will see all the checking account options. I normally go for the Essential Checking account.
3 - Now here is the damn area where you will find out if your fullz ZIP code is going to fly or not. Fill it all out and click NEXT. If you have a One Vanilla Visa available you can do the first depost, if not Venmo is straight cuz 5/3 will give you 30 days to make the deposit.
4 - So your fullz passed the test! We can now apply for one of these accounts. Fill out all the information and keep clicking Continue and eventually you will get to this page here.
5 - When you hit the section that asks for Mother's Maiden Name, I've found this doesn't have to be accurate at all! Just put in some last name that you see on the fullz background check and be sure to make a note of it on your fullz txt document.
6 - So you clicked Continue and Congratulations you're almost there! Lets continue again. This shit is retarded how easy it is.
7 - Check the agreements and continue on!
8 - Here check NO on all these options (remember I'm teaching total online methods here, I don't fuck with debit cards n shit).
9 - And there you have it! The account is created! Take note of your account and routing numbers on your "account info" sheet.
10 - Here just check off you are going to deposit a check using the mobile app. Unless you have one of those prepaid debits to use with $50 on it.
11 - It appears I've missed the screenshot to create the online banking username and password, but I'm confident that you are going to be able to figure that out at this point because at this point it is just same shit different drop. So lets continue on to online banking and get this account on paperless statements and notices.
12 - Sign in using your username and password.
13 - Accept the Digital Services Agreement.
14 - Enter the email you want associated with your online banking.
15 - And click OK.
16 - Now you reach your banking summary page. In the upper right click the Service Center tab.
17- On this page click the link to Set Delivery Preferences as seen below.
18 - Now check the Paperless radio button next to tax document delivery preferences and also check the box that states View all documents online.
19 - It will then have a dropdown showing all the options to turn on to paperless. Click continue.
20 - Now it will ask you to agree to the terms and conditions. Check the box and click Save.
21 - And there you have it. Preferences saved and your account is now Paperless.
This concludes the bank drop opening portion of training! I hope you have learned a lot here and are fully ready to open the shit out of some bank drops.
You see how easy it is? You can do this all day and make at least $120 a pop selling them on AB and other darknet marketplaces.
Now I will go into initial deposits and bank drop aging/maintenance. I will include here PayPal and Venmo creation because this is how I handle my initial deposits 90% of the time!
INITIAL DEPOSIT
Ok so now you have opened a checking account. If you didn't have a prepaid card to make the deposit with or another bank drop with funds available to transfer the money from, you need to come up with another way to get some clean money sitting in that account. This is something that you absolutely need to do, it's stupid to not do it. So here are two options for you!
VENMO
Venmo accounts are easy as fuck to create. So let's create one real quick then I'll talk about how to get some money in to the account and how to transfer it in to the bank drop.
1 - Go to Facebook and create an account with your fullz name. Once you made the account, go to the profile and at a minimum set a profile picture and a cover photo. If you plan to use the Venmo quite a bit, I suggest trying to fill out a little more info and even adding some random people as friends. Yes, people will accept random friends!
2 - Now go to Venmo.com and Choose the option to sign up with Facebook.
3 - It'll have you click some acceptance shit and then it will have you enter your email and phone (google voice works) then click next. Now you will get a code on your Google voice so have that open and ready.
4 - Ok now you can see your main profile here on Venmo. Click on the getting started check list to add your bank drop.
5 - Now that you are here you can see where you can attach your bank drop OR if you sourced yourself a CC fullz you can verify with the CC as well. It only makes the Venmo stronger and more legit so if you have that info definitely hook it up, but if you only plan to use for initial deposit and be done with it you don't really need to even worry about attaching a CC.
6 - Search for the bank you want to attach.
7 - Pretty simple shit here, but I'm gonna screen shot it all for you cuz I want you to see whats up. So just add your routing/account numbers here.
8 - Now you have the option to verify with your online banking credentials. Give it a shot. Sometimes it will still ask you to verify with microdeposits anyways which takes about 1 business day to show up in your drop.
9 - And now you can see I got hit with the micro transfers here. Just click issue if you get this and watch your drop and come back to verify once you've gotten them. DO NOT SEND ANY MONEY TO YOUR VENMO UNTIL YOU VERIFY THIS!!!
10 - So lets say that you have had your bank account verified automatically or you have gotten your micro deposits and verified them with Venmo. Now you will need to go back to the main page of your Venmo account and click the Setting button next to your fullz name. On this page you can scroll down a bit and see your Venmo username it will be @yourfullzname and there is also a link that
Venmo will give you. Take note of these on your account information sheet.
11 - Once you have this information, go to LocalBitcoins.com and load up some BTC. Search for a Quick Sell using Venmo as the payment method for this transaction. Find someone to buy your BTC using Venmo and initiate a trade with them. Complete the trade and now you will have some clean funds sitting in your Venmo account! I recommend letting them sit there for about 24 hours
before cashing out in to your bank drop. Just be patient when doing this stuff.
Here you see I have clean funds in the Venmo account and I have the option to Cashout to my bank. Just click the button to initiate the transaction and there you have it! Normally it will take about 1 to 2 days before the funds are available in your drop. Don't be cheap and try to deposit 5 dollars in to your drop, at a minimum send $25.
Now lets talk about setting up your PayPal.
PAYPAL
I usually make a business PayPal (sometimes personal accounts if I have a CC fullz so I can try and open PayPal Credit) to go with just about every bank drop I make, unless for some reason I decide I will not be needing it or because I'm like fuck dude just another PayPal to manage and blow it off. You never know when a PayPal will come in handy though. I really do recommend having at least a few clean PayPal accounts on standby. You can buy all kinds of shit with PayPal accounts like your BEENVERIFIED account, Google Voice accounts and all kinds of other shit on Fiver, etc. Plus, as they age you can use them to withdraw funds from your bank drop and cash out the PayPal with services like WeSellCrypto.com, more on that later. For now let's talk about opening a PayPal
business account the proper way to ensure you won't get limited or 21 day holds when you are trying to make the initial deposit in a timely manner.
1 - So first off lets go to Paypal.com and click to Sign Up. Select Business account. Easy right?!
2 - Choose the Standard option.
3 - Email, can be gmail account. Just don't use yandex or some shit like that.. it's a little too "fraudy".
4 - Now here you can just sign up with the fullz home address and make up a random business name for your account. On this one I put LaBrit's Bakery. Just pick something and make note of it on your account info sheet. If you have sourced an EIN fullz, now is the time to use the registered agents information (legit business name and address) doing this really takes your business account
to the next level.
5 - Now if you are just making this stuff up choose Individual/Sole Proprietorship and pick the details according to your made up business. Don't worry about it if you don't have a website, it's really not a big deal.
If you are using legit EIN fullz, you will need to choose your business type according to what you have sourced (LLC, Corporation, etc) Do a Google search for the business you've doxxed and see if you can find their website, if you find one then put it there in the website box.. like I said before, this stuff will make your business PayPal golden!
6 - Pretty straight forward entry here. I'm just going to warn you though. If the fullz already has a PayPal account registered with their SSN. You're going to get stopped in your tracks right here, which is really annoying.. but hey thats fraud, get used to it!
7 - Now you will be able to begin setting things up on your business account.
Here choose that you will get paid using online invoicing.
8 - Here are some steps you need to complete to set up your account. Go to your email address and confirm your email first. Next you can link your bank account, which I will walk you through and I'll also show you the "make your business name clear" portion. Shit is pretty easy, but I'm just walking through this with you as your mentor. If you want to get a PayPal business debit shipped, you will have needed to sign up using your mail drop address. (DO NOT USE YOUR HOME ADDRESS OR A FRIEND'S ADDRESS, SHIT WILL GET YOU TARGETTED).
9 - Ok so adding your bank drop. Click which one you are working with. You see the three I taught you are right here.
10 - Enter your online user credentials to attempt an instant link.
11 - PayPal running its process.
12 - Sometimes this will happen with fresh accounts. So just enter your routing and account number and press continue.
13 - Now you can try again to confirm instantly, but it's probably not going to work again if it didn't work the first time. So just choose the option to confirm in 2 to 3 days with the microdeposits.
14 - PayPal telling you how to confirm once you see the microdeposits.
15 - And here is where you will come to confirm your microdeposits once you see them in your drop.
16 - Ok now here is the screen where you confirm your business name, just make it say whatever your business is here. Nothing too special required here.
17 - Ok now on your main PayPal summary page you will see this drop down option. Click and go to Profile and settings. We have some tasks to complete here so that our account can receive funds without limitations or holds.
18 - Ok so here we will need to make some adjustments on each of the spots that are circled in red. So go update your account with your fullz full SSN and then we will go fill out our security questions.
19 - Complete these fields and mark the info on your account info sheet in case you need it for later. You NEVER know!
20 - Now click on My Money and you will see this page. Notice this is where you can come to confirm your bank drop once you get the deposits. For now, lets add a card number to further verify the account. If you don't have CC fullz, no problem, you have three options here: 1 - You can go to OPENVCC.COM and buy a PayPal VCC or 2 - You can go to cryptopay.me, sign up for an account,
load up a couple dollars worth of BTC and get a VCC there. On cryptopay.me, they won't allow you to make an acccount based in the US so I always just pick Bahamas. This won't effect your ability to add the card to PayPal. or 3 - You can go to cash.me (SquareCash), sign up for an account and enable your VCC without paying anything at all.
21 - So click add card and well just add the card.
22 - Now the last thing we need to fix before going any further is click My Settings. Scroll down to the bottom of your page and look for the Time Zone make sure you set it to your fullz time zone.
23 - Now we are ready to get some funds into your account. The best thing to do here is find someone who will allow you to send them an invoice and then pay it, PayPal loves this shit. Once you get a gang of PayPal accounts under your control you can easily do this on all your new accounts, but for now I'm going to recommend a vendor to you who can help you out. The vendor Antonsen is a
GREAT source for clean PayPal funds... he is inexpensive and his funds are truly clean! Another option is to find a BTC buyer on LocalBitcoins who will allow you to send them an invoice. If you can't get them to pay an invoice, at least make sure they send you money as Goods and Services. Try not to do Friends and Family with business accounts.
24 - And here is the page where you will create your Invoices. Just go ahead and fill in all the information like you would if you were the actual owner of the made up business. I recommend you keep your first invoice around $50 or so. Once you have it all filled out.. send it to the appropriate email and wait for them to pay it. Pretty simple shit!
25 - Once you have been paid and gotten some clean funds in to your PayPal account, wait about 24 to 48 hours before you try and transfer the money to your bank account. It's very simple and similar to the Venmo process. So just go to your PayPal Summary page, underneath available balance click transfer money.
Fill out the required information, click continue and you will be on your way!
Usually this will take about 2 to 3 days before it clears in to your bank drop.
Now you have a fully capable US Business PayPal and have made your initial deposit using PayPal. Before I end this section, I want to hit on a few things about personal PayPal accounts and PayPal Credit accounts.
Like I've said, I normally will open PayPal business accounts if I don't have CC fullz because the tend to be an overall stronger account. However, if I do have CC fullz I will make a personal account FIRST. I do this because when I'm opening the personal account I can try and add the fullz CC to the PayPal account. If it links that means the card has not been used on PayPal before and
you now have a good opportunity to apply for a PayPal Credit account. I'm not going to screenshot this, but I'm going to give you some tips on opening PayPal Credit accounts before closing out this section. You can either try and cash these out yourself or sell them on fraud markets for 10% of the credit line. I recommend aging them for at least a month before trying to cashout or selling
them.
1 - Register a new PERSONAL PayPal account.
2 - List address EXACTLY as you see it on the Credit Report you pulled.
3 - Put phone as mobile and link the Google Voice
4 - Add the Credit Card, make sure you select Credit and not Debit. If billing address on CC is different than Credit Report, still try the address on Credit Report.. if it doesn't work, just try again with the original address. If the card doesn't link then yeah PayPal credit ain't happenin.
5 - When the card gets attached you'll see an option to apply for PayPal Credit, SKIP IT this time we'll get to it later on.
6 - Now go verify your email address and link/confirm the mobile Google Voice number.
7 - Now go into your settings and make sure you adjust the time zone and set up your security questions.
8 - Link your bank drop that you've created for this fullz.
9 - Once the bank drop is officially linked AND confirmed go and add the SSN of your fullz.
10 - Log out of the account and wait a minimum of 48 hours before doing anything else on the account. This gives your PayPal a bit of a cool off period to process the new data, etc.
11 - So it's been 48 hours and you are ready to try and get some PayPal credit.
Log in to your account and on the summary page you should see a spot that says "More time to pay" Go through the process and verify the address matches the credit report EXACTLY! Be sure you input the correct DOB and SSN as well.
12 - When it brings you to the terms and conditions of PayPal credit page SLOWLY scroll down like you're actually reading it. I try to spend about 5 minutes on this page before agreeing to the terms and proceeding.
13 - At this point you will find out if you have been approved or not. Expect about 45% of your accounts to get approved when trying this out. If you have not been approved, the account is still good, just upgrade it to a business account! If you have been approved, add some clean funds to the account now and wait AT LEAST 72 hours before even attempting to spend any of the credit money. Even waiting that long you will probably get issues paying with the credit line.
Last notes on PayPal Credit... First, you REALLY NEED to be using a residential IP address when applying for and maintaining one of these accounts. Second, I've always had a bitch of time trying to cashout PayPal Credit accounts so I've always just sold them when I could for 10% of the credit line. Lastly, sometimes the credit line can just disappear and never come back... so expect that!
AGING AND MAINTENANCE
Now that we've gotten you up to speed on how to complete initial deposit and opening up solid Venmo and PayPal business accounts, we need to talk about general bank drop aging and maintenance. This is quite simple and not rocket science by any means. I'm just going to drop a few bullet points for you to keep in mind when working with your bank accounts (some rules here apply for other accounts too, i.e. Stripe, Venmo, PayPal, etc. Not your Porn accounts! haha)
PRO TIP: If you are wanting to work with PayPal transfers, you should make progressive transactions on your PayPal account over a period of two weeks
while withdrawing funds in to your bank drop. Do this while working up to the amount you want to receive in dirty funds and then you can hire Cashoutmoneyteam or whoever to send you the dirty funds to your PayPal account. Withdraw that money to your bank drop and PayPal can't get it back.
They will not be able to chargeback your bank account and this will help tremendously in aging your bank account and make you lots of dough too.
Ok friends, this concludes my bank drop portion of training. I hope that you have learned A LOT of good shit here. I have tried my best to be as descriptive and detailed as possible. I really want you guys to succeed and make a killing in your fraud efforts! Next I will cover how to properly setup, manage and card your Stripe account!
*****************THE END******************
Now that you have learned how to find the perfect IP address and source a high credit score fullz or EIN fullz, I am excited to teach you how to build, maintain and utilize a strong bank drop. I can't lie, when I first started learning how to open bank drops I thought it was the most difficult and sometimes frustrating thing in the world. I did not have the organizational skills that I've taught you above and a lot of times I'd be using a shitty SOCKS5 that would fail me and drop connection in the middle of the opening process. What a terrible time! As I practiced more and more, I developed a process and learned many things that makes this process go as smooth as a baby's ass. By the end of this section, you'll be a true BankPredator too.
OPENING A BANK DROP
Bank drops are usually at the core of any worthwhile fraud operation so it is important that you make a STRONG bank drop that is going to last you a long time so you can make a lot of money. There are many factors that come in to play when opening a bank drop that I am going to cover in this part of training.
By the end of this portion you are going to be able to open a bank drop that will stay open for a long time and be available any time you need it, as long as you treat it right.
So where do we start? We start by preparing with the 4 steps laid out below.
STEP 1 - Make sure that all of your information about your fullz is organized and easily accessible. I CANNOT emphasize this enough. Do not even think about starting to open a bank drop without this stuff being ready. So open up your "fullz" text document, background check, credit reports and "account info" sheet.
I always make sure to read over all of the information about my fullz before I start the process, that way I am familiar with the fullz. Pay close attention to the credit
report. If you see that they already have a Bank of America account, guess what!
You aren't going to have much luck opening a bank drop with them. Same goes for Suntrust, Citi, Capital One, etc. So be sure to check that out before deciding which bank you'd like to open an account with. My personal favorite bank accounts to work with are FifthThird Bank, TD Bank and Suntrust. They are easy to open and will stay open for a long time if you follow my instructions exactly.
Plus, the give you online access right away.
STEP 2 - Make sure that you have an IP address that is in the same state as the fullz home address, preferably within 80 miles. ALWAYS base this decision off of the fullz latest billing address on their credit report. This is the address that the bank will want to see when you open the bank account. If you don't use this address, you are at risk of having an earlier closure of your bank drop. Don't
worry I'll teach you how to make sure that your fullz doesn't get any mail from the bank when using their real address
You can use either a hacked RDP or SSH like I've taught you, just make your decision based on your needs.
When signing on to your RDP/SSH, make sure that your systems time zone is correct and reflecting your fullz time zone. Also, double check your system is set to the right language.. ENGLISH-US.
Be sure to note any information about the RDP/SSH you're using on the "account info" sheet for later use.
STEP 3 - Make sure that you have an email address and a Google Voice number ready to use. I usually buy these from a vendor called Antonsen on AlphaBay. Ibuy his $5 high quality Google Voice listing since they last forever and are on autofill almost always. You can go use the Gmail address that is associated with the Google Voice account when opening your bank drop. So go ahead and log in to the Gmail account and make sure that the log in information is working properly and that the Google Voice number is the same as what you were given when you bought the account. You want to make sure all this information is correct BEFORE opening the bank drop. If you don't, you risk wasting all of your hard work up until this point.
Also, note all of your Gmail/Google Voice info on the "account info" sheet I've provided.
STEP 4 - Now that you have all of your information ready and accessible, you're logged in to your RDP/IP, you're logged in to your email/Google Voice, you can take your pick of what bank drop you want to open. In this training, I will cover the opening process of the three bank drops that I work with most exclusively (FifthThird, TD Bank and Suntrust). I choose these banks because they are
strong brick and mortar banks and I pretty much get the account opened about 99% of the time with immediate online access. Banks like Bank of America, Citi, PNC, etc. all require a mail drop in order to open properly so I don't mess with those. A lot of fraudsters don't have this luxury, especially if they are not in the US, so I'm going to show you how to open the banks that don't require this extra step.
Now that you have made the pre-opening preparations, I will walk you through the opening process for each of these three banks and how to set your new bank
drop on paperless statements and notices to increase your chances of keeping your accounts alive for a LONG time.
SUNTRUST
I will start off with Suntrust. I'll be honest about Suntrust, I really don't like them as much as FifthThird or TD Bank. Reasons why I don't like them as much is that they do tend to get shut down a bit more often than the other ones and it always seems to happen with no reasonable explaination, but that's fucking fraud so you better get used to shit like that happening. If you are careful with these accounts and follow my guidance, they should stay open for a LONG time though. Shall we get started?
1 - Go to Suntrust.com
2 - Click Get Started. Scroll down a bit on the page that opens and click Open.
Now under Essential Checking.
3 - Now you will be here. Just click OK or whatever.
4 - Here you can choose whether or not you want to add a savings account. So basically you can open two bank drops at once. They will both require initial deposit of AT LEAST $25, although I suggest you go with $50. (I will cover initial deposits later)
5 - Here you will begin filling out the information about your fullz. DO NOT copy and paste this shit. Try to do it in a reasonable amount of time as well. This is why I say you must have all of you data accessible before you start this process.
You CAN use the Google Voice number when opening ALL the drops I'm teaching you about.
6 - Now look over all the information you've added and verify it is correct.
7 - Now you will be asked verification questions. Be prepared by having your credit report PDF open. There will be 3, sometimes 4 questions about your fullz.
You should be prepared for anything they throw at you. The question you see in this screenshot can be found on your credit report. Sometimes other questions can be about previous addresses, average age range head of household, professional background, family members locations, etc. You should have all the information you need at your disposal! Try and complete these questions quickly.
8 - Once you pass the verification, you will asked if you want a debit... say no.
Enroll in online/mobile banking? Yes! And continue. It is all pretty easy after the verification.
9 - Create your desired user ID and password. Note this stuff on your "account info" sheet.
10 - Read and accept the terms and conditions.
11 - Sometimes this screen pops up and other times it doesn't. Just fill it out as best you can based off your fullz credit report. Choose NO for wealth originating outside the USA.
Most fullz have had a relationship with other financial institutions in the past 2 years so use the credit report to determine this.
12 - Now on this page, choose more options. Unless you have a prepaid debit card like one vanilla visa that you have at least $50 on to make first deposit with.
13 - Here it will show you offline funding options. It will basically just tell you to write a check and send it in. I've always used this option and never sent a check, obviously. I always use PayPal or Venmo for initial deposit. Works for me...
14 - And look at that! Congratulations bank account opened. Take note of the routing number and the account number on your "account info" sheet. Very important details to keep track of! Scroll down a bit on this page and you will see a part saying log in to your online banking! Lets do it!
15 - And ok here is the Online Banking interface. Explore it do whatever you gotta do then click My Settings in the top right.
16 - Here is the my setting pop out. Click Address, Email, and Phone option.
17 - Here we will change the mailing address on file in order to avoid having Suntrust send shit to your fullz real home address (which is NO good). So click edit on the mailing address option.
18 - Now here is my trick with Suntrust. I always do this and 80% of my accounts stay live using this method. Uncheck the box stating that mailing address and street are the same. Do a quick Google search for your fullz nearest Post Office and note the City and Zip Code. Input that data and make up a PO Box number and place it in the first like on the address box and save.
19 - Lastly, you will need to go back to My Setting Popout. And Click on the Tax Forms option. Click on Tax Form Delivery and change Receive Tax Forms Online Only? From No to YES! Now your account is completly paperless.
And there you have it! You have now succesfully opened a Suntrust Checking
(and Savings) account. Later I will show you how to do the initial deposit!
Now I will show you how I open TD Bank Checking accounts!
TD BANK
Ok now TD Bank is pretty much my favorite bank drop to work with because they are STRONG and can take a beating! I've abused TD drops with dirty funds from multiple payment processors and had chargebacks hit debiting the account and they were still alive a month or so later sitting there with a negative balance. Most drops would close at that point, not my TDs though. So let's get you started on opening your own.
Before I start, let me tell you that TD Banks can only be opened with fullz from certain states. Here are those states: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
1 - Go to TDBank.com, hover the mouse over "Banking" and click the checking option on the drop down menu.
2 - Here are the checking accounts you can choose from. Simple is fine, but I usually pick Convenience because they have PopMoney enabled. If you verify with them you can use PopMoney to send money around to other drops, but they are kind of gay. I RARELY use PopMoney.
3 - This screen will come up, click US!
4 - Now we can begin filling out the application.
5 - More shit to fill out.
6 - Here you fill out SSN, DOB and Driver License Number. Be very careful when entering this info and make sure you input correctly.
7- Here you should answer this according to your fullz occupation you see on their credit report. If you like you can choose "investments" on source of income too.
8 - Now here you can see some examples of verification questions they might ask you. TD asks some tough questions, but if you've done your homework as I explained in the sourcing fullz section you will most likely do fine! However, I've failed this verification before, restarted the application and passed it and opened the account without issues. If you prefer you can get a Westlaw background
check on your fullz from the vendor doracard which will have ALL the answers to these verification questions.
9 - So you've passed the verification and now you can choose if you want a debit card. I'm not a US guy so I don't get the debits. So doing this as I do, UNCHECK the box so you don't get the debit card!
10 - Here I normally select Medium under both the expected deposits and withdrawal sections. Primary reason I pick household payments. Sometimes I'll put bill pay. Just switch it up a bit though to avoid "fingerprinting". Just click NO under the section talking about whether you will use the account for internation wire transfers.
11 - Here just gloss over the Electronic Record Disclosure and check the verification box.
12 - Here they ask you about making your first deposit. If you have a prepaid one vanilla Visa as I've suggested in the Suntrust opening you can use that here as well. Remember you need $50 bucks! If not, just click that you will fund the account at a TD bank within 45 days. Trust me.. I'm not a US guy and I don't make deposits at the bank lol PayPal and Venmo work fine for me.
13 - Now just choose your username and temporary password for online banking.
14 - And Congratulations! You have now opened your new TD Checking account.
15 - Ok now scroll down a bit and you will see the option to log in to your online banking.
16 - After you've logged in, you will now need to verify you've read the Online Banking Agreement. Check the box and click NEXT.
17- Now you will need to create a new Password according to TD's password specifications.
18 - Here you will need to set up your security questions. Just scroll down a bit and you will see where you can fill out 3 different questions. Be sure to take note of these questions and answers! They will ask you for the answers from time to time and the answers are case sensitive! Once you've finished click SUBMIT
19 - And there you go! You're now in your new account!
20 - Scroll down a little bit and you'll see the link to "Sign up for Online Statements" Click that!
21 - Now enter Nickname (it doesn't matter, it can be fuck boy if you want). Enter the email attached to your account. Click both of the blue links, they will create pop ups which you can close out of. Now you can check the two boxes signifying that you have read and acknowledged the agreements/requirements of online statements. Then click the orange box!
22 - And now you will see that you have successfully activated Online Statements. However, you are NOT done yet. Click the green Notices tab!
23 - Now that you have clicked Notices tab, you will see the orange box that says "Turn off paper, etc" Click it!
24 - Now that you have clicked it you will see this page. Just check the box outlined in yellow and click save changes! This will make sure all the Notices and sent online. Effectively making your account entirely Paperless.
25 - Here you can see all the different notices that will now be Online delivery only!
26 - Now go back to your Accounts homepage and let's find your routing number.
The routing number is different based on which state your fullz is from. On the left side menu you will see a blue link that says "ABA Routing Number". Click that and you will get a pop up with all the routing numbers. As you will see below.
And that is it! You now have a TD Checking account that is completely Paperless. These accounts are strong and hands down my favorite drop to work with!
Lets move on to the 3rd and final bank, Fifth Third.
FIFTH THIRD
Alright so FifthThird is another good bank drop that I like to use a lot. They are a bit tricky sometimes because sometimes when I go to open one and enter my zip code they will say sorry we are not available in your area. I've had best sucess opening Fifth Third drops with Florida fullz so when you have a Florida fullz swing by Fifth Third and give them a shot! This is seriously one of the easiest
bank drops to open because 99.9% of the time they DO NOT ask you verification questions. This does not mean, don't come prepared though! Let's begin.
1 - Go to 53.com and hover your mouse over the banking tab. Click Checking Accounts.
2 - It'll take you to this page, just scroll down and you will see all the checking account options. I normally go for the Essential Checking account.
3 - Now here is the damn area where you will find out if your fullz ZIP code is going to fly or not. Fill it all out and click NEXT. If you have a One Vanilla Visa available you can do the first depost, if not Venmo is straight cuz 5/3 will give you 30 days to make the deposit.
4 - So your fullz passed the test! We can now apply for one of these accounts. Fill out all the information and keep clicking Continue and eventually you will get to this page here.
5 - When you hit the section that asks for Mother's Maiden Name, I've found this doesn't have to be accurate at all! Just put in some last name that you see on the fullz background check and be sure to make a note of it on your fullz txt document.
6 - So you clicked Continue and Congratulations you're almost there! Lets continue again. This shit is retarded how easy it is.
7 - Check the agreements and continue on!
8 - Here check NO on all these options (remember I'm teaching total online methods here, I don't fuck with debit cards n shit).
9 - And there you have it! The account is created! Take note of your account and routing numbers on your "account info" sheet.
10 - Here just check off you are going to deposit a check using the mobile app. Unless you have one of those prepaid debits to use with $50 on it.
11 - It appears I've missed the screenshot to create the online banking username and password, but I'm confident that you are going to be able to figure that out at this point because at this point it is just same shit different drop. So lets continue on to online banking and get this account on paperless statements and notices.
12 - Sign in using your username and password.
13 - Accept the Digital Services Agreement.
14 - Enter the email you want associated with your online banking.
15 - And click OK.
16 - Now you reach your banking summary page. In the upper right click the Service Center tab.
17- On this page click the link to Set Delivery Preferences as seen below.
18 - Now check the Paperless radio button next to tax document delivery preferences and also check the box that states View all documents online.
19 - It will then have a dropdown showing all the options to turn on to paperless. Click continue.
20 - Now it will ask you to agree to the terms and conditions. Check the box and click Save.
21 - And there you have it. Preferences saved and your account is now Paperless.
This concludes the bank drop opening portion of training! I hope you have learned a lot here and are fully ready to open the shit out of some bank drops.
You see how easy it is? You can do this all day and make at least $120 a pop selling them on AB and other darknet marketplaces.
Now I will go into initial deposits and bank drop aging/maintenance. I will include here PayPal and Venmo creation because this is how I handle my initial deposits 90% of the time!
INITIAL DEPOSIT
Ok so now you have opened a checking account. If you didn't have a prepaid card to make the deposit with or another bank drop with funds available to transfer the money from, you need to come up with another way to get some clean money sitting in that account. This is something that you absolutely need to do, it's stupid to not do it. So here are two options for you!
VENMO
Venmo accounts are easy as fuck to create. So let's create one real quick then I'll talk about how to get some money in to the account and how to transfer it in to the bank drop.
1 - Go to Facebook and create an account with your fullz name. Once you made the account, go to the profile and at a minimum set a profile picture and a cover photo. If you plan to use the Venmo quite a bit, I suggest trying to fill out a little more info and even adding some random people as friends. Yes, people will accept random friends!
2 - Now go to Venmo.com and Choose the option to sign up with Facebook.
3 - It'll have you click some acceptance shit and then it will have you enter your email and phone (google voice works) then click next. Now you will get a code on your Google voice so have that open and ready.
4 - Ok now you can see your main profile here on Venmo. Click on the getting started check list to add your bank drop.
5 - Now that you are here you can see where you can attach your bank drop OR if you sourced yourself a CC fullz you can verify with the CC as well. It only makes the Venmo stronger and more legit so if you have that info definitely hook it up, but if you only plan to use for initial deposit and be done with it you don't really need to even worry about attaching a CC.
6 - Search for the bank you want to attach.
7 - Pretty simple shit here, but I'm gonna screen shot it all for you cuz I want you to see whats up. So just add your routing/account numbers here.
8 - Now you have the option to verify with your online banking credentials. Give it a shot. Sometimes it will still ask you to verify with microdeposits anyways which takes about 1 business day to show up in your drop.
9 - And now you can see I got hit with the micro transfers here. Just click issue if you get this and watch your drop and come back to verify once you've gotten them. DO NOT SEND ANY MONEY TO YOUR VENMO UNTIL YOU VERIFY THIS!!!
10 - So lets say that you have had your bank account verified automatically or you have gotten your micro deposits and verified them with Venmo. Now you will need to go back to the main page of your Venmo account and click the Setting button next to your fullz name. On this page you can scroll down a bit and see your Venmo username it will be @yourfullzname and there is also a link that
Venmo will give you. Take note of these on your account information sheet.
11 - Once you have this information, go to LocalBitcoins.com and load up some BTC. Search for a Quick Sell using Venmo as the payment method for this transaction. Find someone to buy your BTC using Venmo and initiate a trade with them. Complete the trade and now you will have some clean funds sitting in your Venmo account! I recommend letting them sit there for about 24 hours
before cashing out in to your bank drop. Just be patient when doing this stuff.
Here you see I have clean funds in the Venmo account and I have the option to Cashout to my bank. Just click the button to initiate the transaction and there you have it! Normally it will take about 1 to 2 days before the funds are available in your drop. Don't be cheap and try to deposit 5 dollars in to your drop, at a minimum send $25.
Now lets talk about setting up your PayPal.
PAYPAL
I usually make a business PayPal (sometimes personal accounts if I have a CC fullz so I can try and open PayPal Credit) to go with just about every bank drop I make, unless for some reason I decide I will not be needing it or because I'm like fuck dude just another PayPal to manage and blow it off. You never know when a PayPal will come in handy though. I really do recommend having at least a few clean PayPal accounts on standby. You can buy all kinds of shit with PayPal accounts like your BEENVERIFIED account, Google Voice accounts and all kinds of other shit on Fiver, etc. Plus, as they age you can use them to withdraw funds from your bank drop and cash out the PayPal with services like WeSellCrypto.com, more on that later. For now let's talk about opening a PayPal
business account the proper way to ensure you won't get limited or 21 day holds when you are trying to make the initial deposit in a timely manner.
1 - So first off lets go to Paypal.com and click to Sign Up. Select Business account. Easy right?!
2 - Choose the Standard option.
3 - Email, can be gmail account. Just don't use yandex or some shit like that.. it's a little too "fraudy".
4 - Now here you can just sign up with the fullz home address and make up a random business name for your account. On this one I put LaBrit's Bakery. Just pick something and make note of it on your account info sheet. If you have sourced an EIN fullz, now is the time to use the registered agents information (legit business name and address) doing this really takes your business account
to the next level.
5 - Now if you are just making this stuff up choose Individual/Sole Proprietorship and pick the details according to your made up business. Don't worry about it if you don't have a website, it's really not a big deal.
If you are using legit EIN fullz, you will need to choose your business type according to what you have sourced (LLC, Corporation, etc) Do a Google search for the business you've doxxed and see if you can find their website, if you find one then put it there in the website box.. like I said before, this stuff will make your business PayPal golden!
6 - Pretty straight forward entry here. I'm just going to warn you though. If the fullz already has a PayPal account registered with their SSN. You're going to get stopped in your tracks right here, which is really annoying.. but hey thats fraud, get used to it!
7 - Now you will be able to begin setting things up on your business account.
Here choose that you will get paid using online invoicing.
8 - Here are some steps you need to complete to set up your account. Go to your email address and confirm your email first. Next you can link your bank account, which I will walk you through and I'll also show you the "make your business name clear" portion. Shit is pretty easy, but I'm just walking through this with you as your mentor. If you want to get a PayPal business debit shipped, you will have needed to sign up using your mail drop address. (DO NOT USE YOUR HOME ADDRESS OR A FRIEND'S ADDRESS, SHIT WILL GET YOU TARGETTED).
9 - Ok so adding your bank drop. Click which one you are working with. You see the three I taught you are right here.
10 - Enter your online user credentials to attempt an instant link.
11 - PayPal running its process.
12 - Sometimes this will happen with fresh accounts. So just enter your routing and account number and press continue.
13 - Now you can try again to confirm instantly, but it's probably not going to work again if it didn't work the first time. So just choose the option to confirm in 2 to 3 days with the microdeposits.
14 - PayPal telling you how to confirm once you see the microdeposits.
15 - And here is where you will come to confirm your microdeposits once you see them in your drop.
16 - Ok now here is the screen where you confirm your business name, just make it say whatever your business is here. Nothing too special required here.
17 - Ok now on your main PayPal summary page you will see this drop down option. Click and go to Profile and settings. We have some tasks to complete here so that our account can receive funds without limitations or holds.
18 - Ok so here we will need to make some adjustments on each of the spots that are circled in red. So go update your account with your fullz full SSN and then we will go fill out our security questions.
19 - Complete these fields and mark the info on your account info sheet in case you need it for later. You NEVER know!
20 - Now click on My Money and you will see this page. Notice this is where you can come to confirm your bank drop once you get the deposits. For now, lets add a card number to further verify the account. If you don't have CC fullz, no problem, you have three options here: 1 - You can go to OPENVCC.COM and buy a PayPal VCC or 2 - You can go to cryptopay.me, sign up for an account,
load up a couple dollars worth of BTC and get a VCC there. On cryptopay.me, they won't allow you to make an acccount based in the US so I always just pick Bahamas. This won't effect your ability to add the card to PayPal. or 3 - You can go to cash.me (SquareCash), sign up for an account and enable your VCC without paying anything at all.
21 - So click add card and well just add the card.
22 - Now the last thing we need to fix before going any further is click My Settings. Scroll down to the bottom of your page and look for the Time Zone make sure you set it to your fullz time zone.
23 - Now we are ready to get some funds into your account. The best thing to do here is find someone who will allow you to send them an invoice and then pay it, PayPal loves this shit. Once you get a gang of PayPal accounts under your control you can easily do this on all your new accounts, but for now I'm going to recommend a vendor to you who can help you out. The vendor Antonsen is a
GREAT source for clean PayPal funds... he is inexpensive and his funds are truly clean! Another option is to find a BTC buyer on LocalBitcoins who will allow you to send them an invoice. If you can't get them to pay an invoice, at least make sure they send you money as Goods and Services. Try not to do Friends and Family with business accounts.
24 - And here is the page where you will create your Invoices. Just go ahead and fill in all the information like you would if you were the actual owner of the made up business. I recommend you keep your first invoice around $50 or so. Once you have it all filled out.. send it to the appropriate email and wait for them to pay it. Pretty simple shit!
25 - Once you have been paid and gotten some clean funds in to your PayPal account, wait about 24 to 48 hours before you try and transfer the money to your bank account. It's very simple and similar to the Venmo process. So just go to your PayPal Summary page, underneath available balance click transfer money.
Fill out the required information, click continue and you will be on your way!
Usually this will take about 2 to 3 days before it clears in to your bank drop.
Now you have a fully capable US Business PayPal and have made your initial deposit using PayPal. Before I end this section, I want to hit on a few things about personal PayPal accounts and PayPal Credit accounts.
Like I've said, I normally will open PayPal business accounts if I don't have CC fullz because the tend to be an overall stronger account. However, if I do have CC fullz I will make a personal account FIRST. I do this because when I'm opening the personal account I can try and add the fullz CC to the PayPal account. If it links that means the card has not been used on PayPal before and
you now have a good opportunity to apply for a PayPal Credit account. I'm not going to screenshot this, but I'm going to give you some tips on opening PayPal Credit accounts before closing out this section. You can either try and cash these out yourself or sell them on fraud markets for 10% of the credit line. I recommend aging them for at least a month before trying to cashout or selling
them.
1 - Register a new PERSONAL PayPal account.
2 - List address EXACTLY as you see it on the Credit Report you pulled.
3 - Put phone as mobile and link the Google Voice
4 - Add the Credit Card, make sure you select Credit and not Debit. If billing address on CC is different than Credit Report, still try the address on Credit Report.. if it doesn't work, just try again with the original address. If the card doesn't link then yeah PayPal credit ain't happenin.
5 - When the card gets attached you'll see an option to apply for PayPal Credit, SKIP IT this time we'll get to it later on.
6 - Now go verify your email address and link/confirm the mobile Google Voice number.
7 - Now go into your settings and make sure you adjust the time zone and set up your security questions.
8 - Link your bank drop that you've created for this fullz.
9 - Once the bank drop is officially linked AND confirmed go and add the SSN of your fullz.
10 - Log out of the account and wait a minimum of 48 hours before doing anything else on the account. This gives your PayPal a bit of a cool off period to process the new data, etc.
11 - So it's been 48 hours and you are ready to try and get some PayPal credit.
Log in to your account and on the summary page you should see a spot that says "More time to pay" Go through the process and verify the address matches the credit report EXACTLY! Be sure you input the correct DOB and SSN as well.
12 - When it brings you to the terms and conditions of PayPal credit page SLOWLY scroll down like you're actually reading it. I try to spend about 5 minutes on this page before agreeing to the terms and proceeding.
13 - At this point you will find out if you have been approved or not. Expect about 45% of your accounts to get approved when trying this out. If you have not been approved, the account is still good, just upgrade it to a business account! If you have been approved, add some clean funds to the account now and wait AT LEAST 72 hours before even attempting to spend any of the credit money. Even waiting that long you will probably get issues paying with the credit line.
Last notes on PayPal Credit... First, you REALLY NEED to be using a residential IP address when applying for and maintaining one of these accounts. Second, I've always had a bitch of time trying to cashout PayPal Credit accounts so I've always just sold them when I could for 10% of the credit line. Lastly, sometimes the credit line can just disappear and never come back... so expect that!
AGING AND MAINTENANCE
Now that we've gotten you up to speed on how to complete initial deposit and opening up solid Venmo and PayPal business accounts, we need to talk about general bank drop aging and maintenance. This is quite simple and not rocket science by any means. I'm just going to drop a few bullet points for you to keep in mind when working with your bank accounts (some rules here apply for other accounts too, i.e. Stripe, Venmo, PayPal, etc. Not your Porn accounts! haha)
- Do not log into the accounts over and over all day everyday. This is NOT normal behavior. A large key to success with fraud is mimicking NORMAL BEHAVIOR, so try and keep it that way.
- Do not log into the accounts in the middle of the night US time. I don't care how bad you need to check the accounts, just don't do it. Work with usual US waking times (7AM to 10:30PM at latest)
- If you have your Venmo or PayPal attached to the bank, keep sending those accounts some clean funds and keep withdrawing the money in to the bank drop. This age both your PayPal or Venmo and Bank Drop with more and more clean transactions taking place.
- Find a way to spend a little money out of the bank drop as well. Go buy a cheap domain from Godaddy Auctions using your checking accounts routing and account number OR go to Flippa and try to buy something cheap using Flippa Escrow OR any other site you can use your bank account to pay with. This IN/OUT action helps tremendously in aging your new bank drop.
- Ideally you should age a bank drop at least 2 weeks before starting to use it for Stripe or other Payment Processors. Imagine how the banks fraud systems would see a fresh bank account immediately receiving large sums of money from Stripe. That is a huge RED FLAG and will get your drop cut off in no time. Just be patient, age it with IN/OUT actiivity and after a couple weeks start to get that Stripe money or whatever you decide to do.
PRO TIP: If you are wanting to work with PayPal transfers, you should make progressive transactions on your PayPal account over a period of two weeks
while withdrawing funds in to your bank drop. Do this while working up to the amount you want to receive in dirty funds and then you can hire Cashoutmoneyteam or whoever to send you the dirty funds to your PayPal account. Withdraw that money to your bank drop and PayPal can't get it back.
They will not be able to chargeback your bank account and this will help tremendously in aging your bank account and make you lots of dough too.
Ok friends, this concludes my bank drop portion of training. I hope that you have learned A LOT of good shit here. I have tried my best to be as descriptive and detailed as possible. I really want you guys to succeed and make a killing in your fraud efforts! Next I will cover how to properly setup, manage and card your Stripe account!
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