How are you doing guys? In today’s guide to create your own bank drops we excited to teach you how to build, maintain and utilize a strong bank drop.
We can’t lie, when we first started creating bank drops at Cashout Empire (about a decade ago) we thought it was the most difficult and sometimes frustrating thing in the world.
We did not have the organizational skills (a decade back) and a lot of times we’d be using bad SOCKS5 that would fail us and drop connection in the middle of the bank drop opening process.
What a terrible time! As we practiced and got more and more organized, we developed a process and learned many things that makes this process go as smooth as a baby’s ass.
Get yourself a coffee or tea (those who are in the uk) or a drink as this is going to be a massive read it takes us 3 days to produce this masterpiece of an article and by the end of this guide, you’ll be a true Bunk drop hero, but remember we are professionals and we have been in the game for over a decade, yes we started our fraud journey well before the existence of silk road.
However; there are always going to smart people who do not want to go through all the hassle of opening a bank drop etc and they just prefer to buy and plug it in to their existing scheme to make money, if you are one of those people feel free to buy the ready made bank drop that we offer on Cashout Empire Shop, then change your address and order your debit card onto your mail drop address.
OPENING A BANK DROP
Bank drops are usually at the core of any worthwhile fraud operation so it is important that you have a bank drop that is going to last throughout your fraud scheme so you can make a lot of money. There are many factors that come in to play when opening a bank drop that we am going to cover in this part of your cashoutempire bank drop training.
By the end of this cashoutempire tutorial on creating your own bank drop in 2021 you will 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.
HOW TO START?
We start by preparing with the 4 steps laid out below.
Make sure that all of your information about your fullz is organized and easily accessible.
We 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.
You should always make sure to read over all of the information about your fullz before you start the process, that way you are familiar with the fullz as if you are that actual person your fullz belong to.
If you haven’t got a quality fullz at this stage we highly recommend you getting your fullz information from us at Cashout Empire here
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 are you? NO, period!
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. Our personal favorite bank accounts to work with are FifthThird Bank, TD Bank and Suntrust. Why is that, you may wonder?
Because they are easy to open and will stay open for a long time if you follow our instructions precisely. Plus, they give you their online 24hour banking access right away.
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 we’ll teach you how to make sure that your fullz doesn’t get any mail from the bank when using their real address.
Always ensure that your decisions are based on your needs. When using SOCKS5, 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 SOCKS5 IP you’re using on the “account info” sheet for later use.
Make sure that you have an email address and a Google Voice number ready to use.
You can go use the Gmail address that is associated with your Google Voice account when opening your bank drop, if you don’t got google voice then you must get one, at cashout empire we have signed up for well over 1000’s of google voice numbers and it’s really easy, we can do that with our eyes shut at this stage.
Once done, go ahead and log in to the Gmail account and make sure that the login information is working properly and that the Google Voice number is the same as what you were given when you got the account.
You want to make sure all this information is correct BEFORE opening the bank drop. If you don’t, you WILL end up wasting all of your hard work up until this point and cashoutempire will not be responsible for it as we have said it time and time again.
Also, note all of your Gmail/Google Voice info on the “account info” sheet.
Now that you have all of your information ready and accessible, you’re logged in using clean SOCKS5, and you’re logged in to your email/Google Voice, you can take your pick of what bank drop you want to open.
In this cashoutempire bank drop 2021 guide we will cover the opening process of three bank drops that we work with most exclusively (FifthThird, TD Bank and Suntrust).
I choose these banks because they are strong brick and mortar banks and we 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 and we have a separate process for those, we open them with ease too but they require additional steps to be taken.
A lot of foreign fraudsters don’t have a luxury of mail drop address, because they are not in the US, so in order to cater this article towards our worldwide customer base in this article we will only cover the banks that most fraudsters are able to open regardless wherever they are based/located.
Now that you have made the pre-opening preparations, we 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, as long as you have some working brain cells.
We will start off with Suntrust. We’ll be straight up honest like we always are, we personally don’t like them as much as FifthThird or TD Bank.
Reasons why we don’t like them as much is that they are not as forgiving as the other banks, if you screw up like “log in using a bad IP for example”, or lets say doing something that a bit more risky such as “acting like a novice fraudster” they will place your account on hold and request further explanation or documentation which can be a massive hassle, in extreme cases they may shut your account down all together.
If you are careful with these accounts and follow our guidance, they should stay open for a LONG time though. Shall we get started?
- Go to Suntrust.com
- Click Get Started. Scroll down a bit on the page that opens and click Open.
Now under Essential Checking.
- Now you will be here. Just click OK or whatever.
- 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 we suggest you go with $50. (we will cover initial deposits later).
- 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 we 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 we are teaching you about.
- Now look over all the information you’ve added and verify it is correct.
- 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.
- 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.
- Create your desired user ID and password. Note this stuff on your “account info” sheet.
- Read and accept the terms and conditions.
- 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.
- 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.
- Here it will show you offline funding options. It will basically just tell you to write a check and send it in. We’ve always used this option and never sent a check, obviously. We always use PayPal or Venmo for initial deposit. Works for us.
- 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! Let’s do it!
- And ok here is the Online Banking interface. Explore it do whatever you gotta do then click My Settings in the top right.
- Here is the my setting pop out. Click Address, Email, and Phone option.
- Here we will change the mailing address on file in order to avoid having Suntrust send documentation to your fullz real home address (which is NO good). So click edit on the mailing address option.
- Now here is our trick with Suntrust. 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.
- Lastly, you will need to go back to My Setting Pop-out. 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 completely paperless.
So there you have it!
You have now successfully opened a Suntrust Checking (and Savings) account.
Ok now TD Bank is pretty much our favorite bank drop to work with because they are STRONG and can take a beating!
Our customers at cashoutempire tells us how they abuse TD Bank 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.
While most drops would get limited at that point, but not TDs though. So let’s get you started on opening your own TD bank drop.
Before we start, let us tell you that TD Banks can only be opened with fullz from certain specific states.
Here are those states:
So make sure if you are going to be opening a TD bank drop you buy your fullz from us at cashoutempire for the states above. So lets get started.
- Go to TDBank.com, hover the mouse over “Banking” and click the checking option on the drop down menu.
- Here are the checking accounts you can choose from. Simple is fine, but we 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 to be honest. We RARELY use PopMoney.
- This screen will come up, click US!
- Now your can begin filling out the application.
- And more stuff to fill out.
- Here you fill out SSN, DOB and Driver License Number. Be very careful when entering this info and make sure you input correctly.
- 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.
- 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 we explained in the sourcing fullz section you will most likely do fine! However, we noticed one very interesting thing in which we’ve failed a verification on a number of times, but because we knew we have not messed it up we restarted the application and passed it and opened the account without issues, yes we swear it happened on a number of occasions which is why its VITAL that you have done your due diligence on your FULLZ that you are sure about it and have all the info at hand, always buy your quality fullz from us at cashoutempire and you will be glad that you did just that.
- So you’ve passed the verification and now you can choose if you want a debit card. We are in Utah which is in the US so we can get the debit if we want but we don’t do that because we sell our bank drops on cashoutempire where customers can change their mail drop address and then order the debit card to their drop. If you are not in the US you must need a type of mail forwarding service to ship you the debit card, but it may be a problem as the first transaction withdrawal from a foreign country looks out right stupid and suspicious but you can surely do online transactions where you will use the account as in intermediary to exit funds into your own account, again that’s some pros stuff we are talking about if you are a novice/amateur in fraud you prob dont know about it yet.
- Here we normally select Medium under both the expected deposits and withdrawal sections. Primary reason we pick household payments. Sometimes we’ll put bill pay. Just switch it up a bit though to avoid “fingerprinting”. Just click NO/YES under the section talking about whether you will use the account for international wire transfers, depending if you will or won’t.
- Here just gloss over the Electronic Record Disclosure and check the verification box.
- 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. We usually say later and then sell the account to our customers who can do that as per their fraud scheme which involved $10K, but if you are not in the US and don’t make deposits at the bank branch then you can do so with PayPal and Venmo they will work fine for you.
- Now just choose your username and temporary password for online banking.
- And Congratulations! You have now opened your new TD Checking account.
- Ok now scroll down a bit and you will see the option to log in to your online banking.
- After you’ve logged in, you will now need to verify you’ve read the Online Banking Agreement. Check the box and click NEXT.
- Now you will need to create a new Password according to TD’s password specifications.
- 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.
- And there you go! You’re now in your new account!
- Scroll down a little bit and you’ll see the link to “Sign up for Online Statements” Click that!
- Now enter Nickname (it doesn’t matter, it can be fuck boy if you want, but be professional and don’t do that). 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!
- And now you will see that you have successfully activated Online Statements. However, you are NOT done yet. Click the green Notices tab!
- Now that you have clicked Notices tab, you will see the orange box that says “Turn off paper, etc” Click it!
- 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.
- Here you can see all the different notices that will now be Online delivery only!
- 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 our favorite drop to work with!
Let’s move on to the 3rd and final bank, cashoutempire Fifth Third bank drop.
Alright so FifthThird is another good bank drop that we at cashoutempire like to use a lot because our customers love it.
However; they are a bit tricky sometimes because sometimes when our customers go to log in by entering their details they will say sorry please contact your branch, it’s almost ALWAYS because customers are using bad SOCKS5 we just cannot stress enough the importance of using the right clean SOCKS5.
So just be aware even after opening your bank drop you should ALWAYS use
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.
- Go to https://www.53.com and hover your mouse over the banking tab. Click Checking Accounts.
- 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.
- 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 deposit, if not Venmo is straight cuz 5/3 will give you 30 days to make the deposit.
- So your fullz passed the test! You 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.
- When you hit the section that asks for Mother’s Maiden Name, we’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.
- So you clicked Continue and Congratulations you’re almost there! Let’s continue again. This shit is retarded how easy it is.
- Check the agreements and continue on!
- Here check NO/YES on these options, depending if you are in the US or not and have access to mail drop forwarding services in case you are not in the US, as we said above we don’t order the debit card solely because our customers at cashoutempire who buy the bank drops from us change their address before ordering the debit cards to their mail drops.
- And there you have it! The account is created! Take note of your account and routing numbers on your “account info” sheet.
- 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.
- It appears we’ve missed the screenshot to create the online banking username and password, but we are confident that you are going to be able to figure that out at this point because at this point it is just same but different drop.
- Let’s continue on to online banking and get this account on paperless statements and notices.
- Sign in using your username and password.
- Accept the Digital Services Agreement.
- Enter the email you want associated with your online banking.
- And click OK.
- Now you reach your banking summary page. In the upper right click the Service Center tab.
- On this page click the link to Set Delivery Preferences as seen below.
- Now check the Paperless radio button next to tax document delivery preferences and also check the box that states View all documents online.
- It will then have a dropdown showing all the options to turn on to paperless. Click continue.
- Now it will ask you to agree to the terms and conditions. Check the box and click Save.
- And there you have it. Preferences saved and your account is now Paperless.
This concludes the bank drop opening portion of training! We at cashoutempire hope you have learned a lot here and are fully ready to open the bank drops.
You see how easy it is?
Now we will go into initial deposits and bank drop aging/maintenance.
We will include PayPal and Venmo creation here (as we are cashoutempire and do not need to deposit money into the account as our customers can do that with their schemes) but you may need to do that if you are creating a bank drop for your own use and especially those who are not in the US they can use PayPal and Venmo, so let us show you how!
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 accounts are easy to create as long as you know what to do and have a quality info to use, which is why we always suggest you use quality info you get from cashoutempire.
So let’s create one real quick then we’ll talk about how to get some money in to the account and how to transfer it in to the bank drop.
- 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, we suggest trying to fill out a little more info and even adding some random people as friends. Yes, people will accept random friends!
- Now go to Venmo.com and Choose the option to sign up with Facebook.
- 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.
- Now you can see your main profile here on Venmo. Click on the getting started check list to add your bank drop.
- 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.
- Pretty simple stuff here, but we’re gonna screenshot it all for you because we want you to see what’s up. So just add your routing/account numbers here.
- 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.
- And now you can see we 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!!!
- 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.
- 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 we have the option to Cashout to our 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 in to your drop, at a minimum send $25 -$50.
Now let’s talk about setting up your PayPal.
You can make a business PayPal to go with for just about every bank drop you will make, unless for some reason you’ll decide that you will not be needing it.
You never know when a PayPal will come in handy though. We really do recommend having at least a few clean PayPal accounts on standby.
You can buy all kinds of PayPal accounts like your BEEN VERIFIED account, Google Voice accounts and all kinds of other stuff on cashoutempire, 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.
- So first off lets go to Paypal.com and click to Sign Up. Select Business account. Easy right?
- Choose the Standard option.
- Email, can be gmail account. Just don’t use yandex, protonmail or some crap like that.. it’s a little too “dodgy”.
- 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 we put LaBrit’s Bakery. Just pick something and make note of it on your account info sheet.
- If you have fullz from cashoutempire, 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.
- 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 fullz fromcashoutempire, 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 we said before, this stuff will make your business PayPal golden!
- Pretty straight forward entry here. We’re 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 that’s fraud, get used to it!
- Now you will be able to begin setting things up on your business account.
- Here choose that you will get paid using online invoicing.
- 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 we will walk you through and we’ll also show you the “make your business name clear” portion.
- This stuff is pretty easy, but we are 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, PAYPAL WILL GET YOU REPORTED DEPENDING ON HOWMUCH MONEY THEY WILL LOSE WITH YOUR SCHEME.
- Ok so adding your bank drop. Click which one you are working with. You see the three I taught you are right here.
- Enter your online user credentials to attempt an instant link.
- PayPal running its process.
- Sometimes this will happen with fresh accounts. So just enter your routing and account number and press continue.
- 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.
- PayPal telling you how to confirm once you see the microdeposits.
- And here is where you will come to confirm your microdeposits once you see them in your drop.
- 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.
- 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.
- 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.
- Complete these fields and mark the info on your account info sheet in case you need it for later. You NEVER know!
- 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 you can always just pick Bahamas as it won’t effect your ability to add the card to PayPal.
- 3 – You can go to cash.me (SquareCash), sign up for an account and enable your VCC without paying anything at all.
- So click add card and well just add the card.
- 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.
- 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.
- Once you get a gang of PayPal accounts under your control you can easily do this on all your new accounts.
- You can 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 or buy paypal transfer on cashoutempire, as we will always send you money as Goods and Services. Try not to do Friends and Family with business accounts.
- 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.
- We 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 basic stuff!
- 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 we end this section, we want to hit on a few things about personal PayPal accounts and PayPal Credit accounts.
Like we’ve said, you normally will open PayPal business accounts if you don’t have CC fullz because the tend to be an overall stronger account.
However, if you do have CC fullz that you bought from cashoutempire you will make a personal account FIRST.
You will do this because when you are opening the personal account you 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.
We are not going to screenshot this, but we are 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 cashoutempire 10% of the credit line. If you are going to sell them on cashoutempire then you must age them for at least a month before trying to sell them to us.
- Register a new PERSONAL PayPal account.
- List address EXACTLY as you see it on the Credit Report you pulled.
- Put phone as mobile and link the Google Voice
- 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 is not happening.
- 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.
- Now go verify your email address and link/confirm the mobile Google Voice number.
- Now go into your settings and make sure you adjust the time zone and set up your security questions.
- Link your bank drop that you’ve created for this fullz.
- Once the bank drop is officially linked AND confirmed go and add the SSN of your fullz.
- 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.
- 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.
- When it brings you to the terms and conditions of PayPal credit page SLOWLY scroll down like you’re actually reading it. You should try to spend about 5 minutes on this page before agreeing to the terms and proceeding.
- At this point you will find out if you have been approved or not. Expect about 60-70% 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 clean SOCKS5 residential IP address when applying for and maintaining one of these accounts.
- Second: You may have a bit of tough time trying to cashout PayPal Credit accounts so you can always just sell them to us at cashoutempire when you could for 10% of the credit line.
- Lastly, sometimes the credit line can just disappear and never come back… so expect that too!
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.
We are 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)
- Do not log into the accounts over and over all day everyday. This is NOT a 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. We 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 activity and after a couple weeks start to get that Stripe money or whatever you decide to do.
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 CashoutEmpire team 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, this concludes our bank drop portion of training. We hope that you have learned A LOT of knowledge here.
We have tried our best to be as descriptive and detailed as possible.
At Cashoutempire we really want you guys to succeed and make a killing in your fraud efforts so that we can sell you the tools that you require, its a win win situation for everyone!
Did you like this complete guide to create your own bank drops in 2021? If so, you can always write to us to tell us about your views & reviews and of course you can request more articles on a specific subject.
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