Firstly I want to explain how to open up a drop in simple terms and that is by running your fullz thru annual credit report then disputing the current phone number and address on Expiran or TU and updating it with your burner number and drop address. You also want to have a valid ID number OR generate a passport number if optional
For validation you can run their consumer report on chexsystems to assure they have not run a passport number or to assure that the ID number that you bought is correct I HIGHLY recommend running their consumer report on chexsystems site after the credit report in order to verify ID information AND to see what banks they may already have accounts with. As if you attempt to open a new account with a bank they are associated with it may automatically flag it in chex or EWS and require in person verification thus killing your profile
Then create gmail and proceed to apply using the burner number
(These are in no specific order and should be used dependent on your preferences all these methods were fully tested over the last few days by myself)
1. One United Bank: I specifically like this one as you can card or use an account or routing number for the opening deposit I did not even need my ID number at least for the account I applied for although sometimes it will ask for ID number and issue state. Seems like it depends on how secure your setup appears to the bank. You can card or use an account or routing number to deposit up to $250 and have access to an instant digital card that you can use to cash out highly recommend for those who want to get the hang of carding or account draining. This will also help you get more comfortable with open ups and you can cash out instantly
2. Chase now some seem to have trouble with Chase but they do not ask for an issue date for the ID just an expiration which I tested with an invalid expiration and the correct ID number and it still went through without a hiccup and chase is available nationwide. I recommend this for vendors who wish to age and sell drops, mobile and ATM loaders and loggers that need a middleman or cash out account to drain it into.
3. M&T has exceptionally low security and will not lock you out even if you are using a VOIP they do not ask for ID expiration and seem to not validate the ID number although the addresses have to match the most recent or you will be denied. This is a perfect middleman account as if you use the current address and it gets reported it will be closed but you will be able to access it for about a week. Ideal for a middleman account and lasts about a week for those that do not know what a middleman drop is a middelman drop is one you direct stolen funds to before wiring it to your cash out account.
4. GTE Financial is my personal favorite and is ideal for cashing out instantly although you will need a middleman or cash out account(ideally from one united in this case to cash it). I was able to card $500 from a high limit cc as an opening deposit and then cash it out via zelle they accept both credit and debit. You can also use an account and routing and the approval process is pretty painless as since they are a bank they are not using 3DS on their merchant side(or so it seems). Used a mobile set up with 5G active data and a fresh phone number
5. PNC is another one good for mobile deposits and ATM deposits as explained above it is also good for middleman or cash out and sometimes offers a digital card for instant cash out although I am not sure how they decide this. They offer instant advances for mobile deposits so they are best for loaders in my opinion as you can cash out fairly quickly
Honorable Mention: TD Bank AND Citizens, TD Bank being ideal as a middleman account or a cash out account as they have low security protocol and will allow you to to use a fresh address without asking for extra verification. They also have a low threshold of approval and are not comonly used so even if they have poor banking history or multiple accounts the odds are they are not using TD. Same for citizens although it is just a regional bank but the BONUS with Citizens is they allow you to add your card from to your mobile wallet and cash out directly at the ATM without ever having to receive the card. So you can use the same/current address of the vic and by the time they receive it they have already cashed out
As usual I recommend using a burner in the location(I recommend same state at the very least for highest success rate)
IF you do not have data or have location issues you can use a residential proxy from asocks and if you must use PC
I recommend using Win10 or higher Mac is fine too with “undetectable” browser
Hope this helps some beginners
Cheers!