Easy $1000 Free Method : FREE_Guides | Torhoo darknet markets
TLDR: Have a bank account open in your name for over a year and actually use it, attempt a large atm withdrawal in a different city than you live/work. It won't work, and you'll get a text asking if it's really you. Confirm it is, but don't try the transaction again. Go to a different city (10 miles), go to a 7/11 with one of those shady atms, wear a mask and hat and withdraw as much as it will allow you to in $2-300 increments. Wait a day, then report them as unauthorized.
This method, while still technically fraud, is very low level and simple fraud. When you are first starting, and you don't have money in invest, all that you have is sweat equity. That means you put in time and effort, in the place of a financial investment. This method is so low level, you don't even need a fullz. What you need, is a bank account open under your name with a debit card, active for about a year at a normal bank (boa, chase, citi, cap 1, etc). Almost everybody reading this should have this, and if you don't and you want to do this, open an account now and start using it.
First, you need to deposit whatever your atm debit card daily withdrawal limit is, into your checking account. When I did this the first time, I was dead broke, but I had a credit card with a $3000 limit. I made two paypals, both under my name. Linked the credit card to one, and my bank account to the other, and just sent over $1400 over the course of a few days, and withdrew it to my bank account. If you don't have that option, ask a friend or family for a loan and offer to pay it back on the same day. Just have them zelle you the amount the same day you plan to do the following method:
Drive to a city at least 25 miles away from where you live/work, and go to a branch of your bank in that city. Attempt to withdraw whatever your atm limit max is at their atm. It'll decline, and they'll shoot you a text confirming it was you. Click yes, but don't try it again. Go to a different town/city (another 10 miles or so will do, just so it's noticeably a different location), and wait until at least 1 hour after the initial transaction attempt. Go to a 7/11 or similar place with a shady ass off brand atm, and withdraw cash in $2-300 increments until it stops working. Make sure to wear a mask and hat with the brim pulled low, cover the atm camera with your hand (casually lean on it or something), don't park in front of the 7/11 for obvious reasons. You don't need to go crazy hiding your identity here but put in some effort. After you withdraw the money, walk out and wait until the next day to continue.
The next day, file a claim that all the atm withdraw transactions are fraud in your banks app or by calling in and saying your debit card was stolen. If ever asked how they got your pin, you say you had the pin written in sharpie on the debit card that was stolen. They'll send you a new debit card, and a temporary credit (for whatever the amount you're claimimg was stolen) while they investigate. DO NOT SPEND THAT CREDIT. If you do everything exactly as I say, the investigation should close in your favor eventually (I've had it in as fast as a week, and I've also had one time that took the full 90 days) and the temporary credit will be made permanent. But fraud is never 100%, and there is a chance the investigation determines it isn't fraud and the transactions were legit. In that case, they will rescind the temporary credit, and if you've spent it they'll debit your account anyways and put you in the negatives. If you just leave the money there, and they rescind it, then you won't go into the negatives and they'll just take the temporary credit you left in the account.
Obviously, there isn't a lot of risk here. Worst case they decide not to refund you for the transactions, and you basically break even (minus the foreign atm withdraw fee cause banks are greedy fags) because you actually did withdraw the cash you're claiming was stolen. However, I will say I've done this more than 5 times over the course of the last 3 years, including one at some point in 2024 to make sure it still worked before I posted this, and I have never failed. Make sure to keep the checking account open for a year beforehand, and actually use it as well. I average an atm withdraw limit of like $1300 or so for each account by that point, but I usually get a little less than $1000 (on average) out of the atm before it stops working.
All in all, this is one of the easiest ways to make a small amount of money fast if you have the right tool (a bank account open for a year +) out there. You can't really scale it super effectively, but if you're young and like in high school/college and you decide you want to make as much money off of this method as possible cause you don't have anything else going, you could try opening like 10 different checking accounts and using/ageing all of them for about a year, then start doing the method described above on each one. I would try to do like 1 a month or something like that, doing all of them at the same time could definitely raise some type of flag in the chex system.
Definitely not the most lucrative method, but in terms of level of risk and ease, this is one of the best methods I know of. It's also one of a select group I consider "evergreen". An evergreen method means it's almost impossible to burn for one reason or another, and sharing it poses no risk of ruining it. Another one is my financing iPhones guide (insert link here). That method has been passed around and recycled since probably the mid 2010's, and that shit still works today. It's a little out of date at this point, so word for word that guide probably won't get you an iPhone. However, if you use your brain and are competent, there's more than enough info there to slightly tweak the method with some google research and making it work for you today.
What i did was open a account with chime and age the account / use it regularly. During that time, i did not dispute anything or buy anything suspicious (Do not buy or use the service or good you are planning to later swipe) For example if you plan to clean the account out buying virtual gift cards do not buy any at all up until it's time to drain the account. Just use the card for the normal things such as amazon, gas etc. Make regular cash deposits. Make sure you dont load the card up with the money ($1000+) and then swipe it directly afterwards. Make several deposits slowly the 5th month leading up to the big swipe (You can deposit $1,000 every 24 hours or $10k a month) After 6 months, use a different / burner device and change your phone number / log in credentials.
At this point you go in for the kill. Chime debit allows crypto purchases without blocking or stopping them, they also allow virtual prepaid visa purchases. Drain the account buying whatever it is you want and then dispute the transactions (when you file the dispute chime will ask "did you have your card on you" I said yes to this question) Now chime isn't a real bank, but they do have something called "arbitration" Chime is going to deny the fuck out of your dispute (which is to be expected) before appealing their decision, go into the local police station and file a report. Tell them someone hacked your chime account and you need a police report in order to dispute it. Most police really don't give a fuck about these reports. You will walk in and out of the police station with a police report stating someone without authorization, accessed your chime account (which isn't a bank for the record) and stole X amount of money. I was able to get in and out within 15-20 mins. No real questions asked. I just told the police chime (which again isn't a bank) requires a police report in order to appeal disputed transactions.
Now with your police report in hand, go back to chime and appeal the dispute and send them a copy of the police report. Again they will deny the fuck out of your dispute. You can appeal 3 times and they will deny your dispute / appeal each time. Just make sure you dispute and appeal each time. The 3rd time you appeal their decision, lay your case out completely and include the police report again. Which they will deny.
At this point, you will go online and look for arbitration lawyers or services. There are many that will take your case for free / contingency. I'll use the first one that pop's up when searching for a company that handles arbitration, one called "consumer fraud legal services" but many attorney's handle these cases based off contingency. Basically you contact that company and lay your claim out, include the police report. They will ask a few questions / ask for 6 months of chime statements then tell you their fee which is around 1/3 plus expenses and have you sign a contract. Once you sign the contract, the arbitration process begins and Chime has 90 days to decide whether they want to settle with you or take your case to arbitration. My attorney said 100% of the time they will opt to settle with you. So long as you did not dispute a bunch of transactions over the previous 6 months.
If the lawyer accepts your case, that means you did everything right and it's very likely chime will settle within 90 days. It is extremely hard to fuck this up. Do not file any disputes. Don't use your card at whatever place you are planning to drain the account. After chime settles, they can take up to 45 days to send the settlement contract and then another 45 days to actually send the check. They will take all 90 days to do both. The entire process takes 6 months but it's a free $5k to you.
The main company that handles arbitration is called AAA. A single lawyer can handle hundreds of these cases a month. Basically your lawyer cast a wide net with likely settlement cases. So it isn't hard finding a lawyer or service for arbitration at all. You could probably do it on your own and save half the money but i don't recommend that. Chime may decide to take the case to arbitration if they find out you are representing yourself. Also, the maximum amount during arbitration is something like $10k. When your lawyer gets his / her cut, plus fee's they take closer to half the settlement but they know you'll be good with that so long as at a minimum they get back what you "lost"
Couple things of note, you will have to pay taxes on this as chime will send you a 1099 for the amount of the settlement. Also, you will no longer be able to use any of bankcorp or strides services but this will not go against your checksystems report.
I didn't even think about filing the report online which would have been even better but will include that. It's late here / fathers day tomorrow but i will write it up asap.