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r/Banking rules, stats, and what to post

A source-backed Rankhog guide to r/Banking: public rules, community context, posting fit, and startup-promotion risk before you publish.

By Anthony Riera, founder and operator of Rankhog.

Subreddit guides combine public Reddit source URLs, captured rules, visible verification dates, and Rankhog's account-safety workflow.

Current public stats

Members
179,381
Verified
September 2, 2026
Category
Startup finance and business operations

Rules can change, so Rankhog keeps verification dates and the original public Reddit sources visible.

Rule summary

  • Be civil, Reddiquette applies: Be civil, Reddiquette applies
  • No personal info: Do not post personal information. This includes publicly available information that can be used to identify someone.
  • Post titles: Post titles should be descriptive, especially when seeking advice. Posts with generic or vague titles may be removed at the mods discretion and you will be asked to repost with a more descriptive title.
  • No advertising: This includes referral links/signup bonuses and links to your personal web site.
  • Caveat emptor: We do not validate any information posted here, take any advice with a grain of salt
  • Location tag: Location tags or identification of location when posting a topic outside the US. Because Reddit includes users worldwide it is beneficial to know where you are located. Unless otherwise indicated responses will assume you are located in the United States and will be industry general and not specific to any institution. Consider including tags in the title with your country ([US], [UK], etc), if possible your state or province. Alternatively, you can include this information with your post.
  • Advice requests: When asking for advice on a banking related issue, please include the method by which you contacted your bank and their detailed response to the issue. Posts where users clearly have not spoken with their financial institution to address the problem may be removed at the moderators discretion if clarification is not provided.
  • No illegal activity or bad faith posts: Do not advocate illegal or bad faith behavior or post anything encouraging this behavior.
  • Mega Threads: All recommendation requests should to be in the mega thread. Recommendations outside the mega thread may be deleted without notice.

Works well

  • Share a fraud or security warning based on your own observations, with a descriptive title and no links.
  • Ask a specific banking question with a clear title, your location tag, and a full account of what your bank said when you contacted them.
  • Post a recommendation request inside the mega thread instead of as a standalone post.
  • Answer questions about banking processes or fraud prevention in comments, with no links to your product or site.

Avoid

  • Do not post referral links, signup bonuses, or links to your personal website, since the rule named 'No advertising' forbids all of them.
  • Do not use generic or vague titles, because the rule named 'Post titles' says such posts may be removed at the moderators discretion.
  • Do not ask for advice without first explaining how you contacted your bank and what they said, since the rule named 'Advice requests' allows removal if you skip that step.
  • Do not post recommendation requests outside the mega thread, because the rule named 'Mega Threads' says they may be deleted without notice.
  • Do not post personal information, including publicly available information that can identify someone, as the rule named 'No personal info' forbids it.
  • Do not advocate illegal or bad faith behavior, because the rule named 'No illegal activity or bad faith posts' bans it.

What actually works in r/banking

These are the highest scoring posts Rankhog observed in r/banking over the past month, with what each one did differently. Rankhog watches this community continuously, so it sees posts when they are published and again as they climb.

Across 262 posts, the ones that did best tend to are written in the first person, ask the community a question, include specific numbers.

  1. Screenshot of a post in r/banking titled "Warning to other fraud teams, we are seeing a wave of account takeovers that clear every existing control" with 426 upvotes
    Upvotes
    426
    Comments
    50
    Posted
    Aug 12, 2026

    Why it worked

    • Told in the first person
    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  2. Screenshot of a post in r/banking titled "Unauthorized $65k wire transfer: Ally denying claim because I "should have received a call/text" they never sent…" with 138 upvotes
    Upvotes
    138
    Comments
    188
    Posted
    Aug 24, 2026

    Why it worked

    • Asks the community a question instead of announcing something
    • Broken into a scannable list
    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  3. Screenshot of a post in r/banking titled "Decedent had at least $1 million somewhere, and as executor, I have NO idea where it is..." with 123 upvotes
    Upvotes
    123
    Comments
    141
    Posted
    Aug 31, 2026

    Why it worked

    • Told in the first person

    Read the full thread on Reddit

  4. Screenshot of a post in r/banking titled "Bank Teller question ?" with 51 upvotes
    Upvotes
    51
    Comments
    160
    Posted
    Aug 19, 2026

    Why it worked

    • Asks the community a question instead of announcing something
    • Kept short enough to read in one pass

    Read the full thread on Reddit

  5. Screenshot of a post in r/banking titled "Fraud Attempt Warning" with 51 upvotes
    Upvotes
    51
    Comments
    36
    Posted
    Aug 13, 2026

    Why it worked

    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  6. Screenshot of a post in r/banking titled "How do I secretly make a new savings account?" with 44 upvotes
    Upvotes
    44
    Comments
    108
    Posted
    Aug 31, 2026

    Why it worked

    • Asks the community a question instead of announcing something
    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  7. Screenshot of a post in r/banking titled "Credit union opening accounts members don't want/request. Lying to open them so the branch meets goals. Is this worth…" with 40 upvotes
    Upvotes
    40
    Comments
    48
    Posted
    Aug 18, 2026

    Why it worked

    • Asks the community a question instead of announcing something
    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  8. Screenshot of a post in r/banking titled "Could my husband’s banker “friend” access my online account and change settings?" with 35 upvotes
    Upvotes
    35
    Comments
    70
    Posted
    Aug 14, 2026

    Why it worked

    • Asks the community a question instead of announcing something
    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  9. Screenshot of a post in r/banking titled "Please help me understand how this bank fraud happened and how to avoid it moving forward" with 24 upvotes
    Upvotes
    24
    Comments
    26
    Posted
    Aug 13, 2026

    Why it worked

    • Short paragraphs rather than one block of text

    Read the full thread on Reddit

  10. Screenshot of a post in r/banking titled "BofA suddenly closed checking account with no true explanation" with 23 upvotes
    Upvotes
    23
    Comments
    29
    Posted
    Sep 1, 2026

    Read the full thread on Reddit

What r/Banking Is For

This community is for discussing the ins and outs of banking, including community, regional, investment, commercial, and consumer banking. People come here to talk about banking issues, ask advice about problems with their bank, and share warnings about fraud. The rules tell you to review them before posting, and the moderators want you to be civil and to take any advice with a grain of salt.

Rules That Matter Before Posting

The rule named 'No advertising' is the one that matters most for marketing, because it bans referral links, signup bonuses, and links to your personal website. The rule named 'Post titles' matters because vague or generic titles can get removed. The rule named 'Advice requests' matters because you must explain how you contacted your bank and what they said before asking the community for help. The rule named 'Mega Threads' matters because all recommendation requests belong in the mega thread. The rule named 'No personal info' matters because you cannot post anything that identifies someone, even if it is public. The rule named 'No illegal activity or bad faith posts' matters because you cannot advocate or encourage illegal or bad faith behavior.

What To Post

A good post here is a descriptive, specific question or warning about a real banking issue, with no links and no promotion. If you have fraud insights, you can share what you are seeing and what controls are failing, like the top post about a wave of account takeovers. If you are asking for advice, include a clear title, your location if outside the US, and a detailed account of how you contacted your bank and what they said. For any recommendation request, use the mega thread instead of starting a new post.

What To Avoid

Avoid any form of promotion, because the rule named 'No advertising' covers referral links, signup bonuses, and personal website links. Avoid vague or generic titles, especially when seeking advice, because the rule named 'Post titles' says they may be removed. Do not ask for advice without first contacting your bank and sharing their detailed response, since the rule named 'Advice requests' allows removal if you skip that. Do not post recommendation requests outside the mega thread, because the rule named 'Mega Threads' says they may be deleted without notice. Do not post personal information, including publicly available information that identifies someone, as the rule named 'No personal info' forbids it. Do not advocate illegal or bad faith behavior, because the rule named 'No illegal activity or bad faith posts' bans it.

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Common questions about r/Banking

Can I post a link to my banking product or website?

No, the rule named 'No advertising' forbids referral links, signup bonuses, and links to your personal website.

Can I ask people to recommend a bank or service?

No, the rule named 'Mega Threads' says all recommendation requests should go in the mega thread.

What should I include when asking for advice about a banking problem?

The rule named 'Advice requests' says you should include the method by which you contacted your bank and their detailed response.

Do I need to say where I am located?

The rule named 'Location tag' asks you to add a country tag like [US] or [UK] in the title, or include the location in your post.

Can I use a short or vague title for my question?

The rule named 'Post titles' says descriptive titles are required, especially when seeking advice, and vague ones may be removed.

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