No secret bank accounts to pay your bills

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Another day, another scam. Case in point: the Federal Reserve Bank of New York reports that scammers are telling people they can pay their bills using so-called “secret accounts” or “Social Security trust accounts” and routing numbers at Federal Reserve Banks. In exchange for personal information, like Social Security numbers, people get what they think is a bank account number at a Federal Reserve Bank. But this really is just a way to get your personal information, which scammers can then sell or use to commit fraud, like identity theft.


It’s good to keep in mind that people do not have accounts at Federal Reserve Banks. Only banks can bank at the Federal Reserve. But what happens if you try to use this “secret” account? Well, the Federal Reserve Bank will deny the payment, since you don’t really have an account there. Once the payment is rejected, you’ll be notified that you still owe the money – which is about when you might figure out that this was a scam. At that point, you may owe a late fee or penalty to the company you thought you were paying. You also may owe fees to your bank for returned or rejected payments.


If you see a video, text, email, phone call, flyer, or website that describes how you can pay bills using a Federal Reserve Bank routing number or account, report it to the FTC. It’s a scam. And remember: never give your credit card, bank account, or Social Security number to anyone who calls or emails and asks for it – no matter who they say they are.


Life won't give you free lunch, when people get that idea, they have to pay a heavy fortune to get that free lunch and may be end up another story ! I have a story to share to tell that I did already in my local department and will post on a website next week when everything is cleared. New tech society will help identity thief steal financial info and hurt individual. Careful is only way i can tell.

Exactly!!!..Feds don't want anyone to know about it, which is why they are posting it as a SCAM....they have fraudulently hurt the American People! not the other way around....I have not been obliged to try this, however, if you will start researching for "yourself" regarding so called might be surprised, what the Feds have gotten away with! just sayin....

Is there something that is being done to catch the scammers?

Law enforcement, including the Federal Bureau of Investigation (FBI), is aware of this scheme, and the Federal Reserve Banks, including the New York Fed, have been cooperating with law enforcement in their investigations. Individuals who participate in such schemes could face criminal charges. 

thanks ciu friends

Thanks again

Another recent scammer calls and say "I am against you. Call back immediately"

Yes thank you, I want to ask about people keep calling that gov a given me free money almost everyday to call 202-681-8425

I started to opt out of all sales pitches thru FTC web but stopped when it went to a website not controlled by FTC which requires ssan, DOB etc. That's crazy, im sure security/scam experts would say dont put such info out there. Phone #, name, address should be enough. Even FTC complaint form doesnt request this info.

If you decide that you don't want to get prescreened offers of credit and insurance, you have two choices. You can:

  • opt out of receiving them for five years or
  • opt out of receiving them permanently.

If you choose to opt-out of offers of credit and insurance, you'll be asked to provide personal information to prove your identity.

The group that calls themselves Anonymous, posted a video to FB two days ago on how to access the "secret bank accounts" we all allegedly have. Thanks for the heads up. I assumed it was bogus, but I'm glad you verified that.

Had not heard of this but I am letting all my folks know about this scam.

Thank you for this information!

What is the truth on a "Bill Pay" from your own bank. I like using it and I have a loan with a company who say they are not equipped for a "bill pay" and will only do a direct withdrawal. They can't be trusted because they tried to take out a second payment in the same month and now my bank will not honor any withdrawal from them. Can you please explain if I am being victimized by the company or can they actually refuse "bill pay"? My actual loan was $1300 and after almost two years paying them, they say I still owe them $1,070. Payments were $59.65 a month. They also keep putting late and no payments on my credit report which cause a lot of havoc. Would appreciate your input. Thank you

You can dispute errors on your credit report. You can make a complaint about a bank or lender  to the Consumer Financial Protection Bureau.

The Federal Reserve is the scam;all banks are cancer of life & leeches of human energy....your time will come!

Thanks; psychological reversal in play! What's next?

I keep getting a scam call from 800-279-2417. They call my landline phone which has the fabulous nomorobo call blocker site helping block the call. They have called 4 times so far today from 4:13 pm to just before 6pm eastern time. Please investigate this phone number. Thanks for catching the scammers. Hopefully the FTC can hire more employees to catch the scammers more quickly.

Thank you for sharing your experiences. We can't address complaints that come through the blog comments. Please go to to report this.

so thankful for this info. I showed my husband all this info. he truly thought he won the lottery but had to pay to have it sent to our front door. he would not listen to me until I showed him this web site. thank you so much. tonya

Do some research on your own and you'll learn the truth .

He doesn't have to pay a dime ! Do some research on your own you'll see that it's true . Do some real research

My best friend rec'd. a call telling her she had just won over $500 Million dollars, along with a big "spiel", and asking a lot of personal questions which she refused to answer. She asked me about it, and I told her the next step was to inform her they couldn't get a check to her, but with her bank info, they could "wire it to her acct. Needless to say, she finally realized it was a scam, & hung up. How stupid do they think
we older folks are????????

If I got an email about this, chances are I wouldn't even understand it, much less fall for it.

However, the bottom line is pretty simple. If it seems too good to be true, it is.

That's super sad. I believed it too! Well I'm glad I came across this post lol...feel so dumb. Really needed help with kids school supplies and clothes. Well at least I know now thank you!!

If you all do some checking, you will find some very interesting information.

usually if the number comes out as starting with (202) area code then its most definitely a scam.. and they're actually not calling from washington d.c. they're calling from overseas using some of program to make it seem they're calling from the states when they're not... so beware of this scam u guys...

(202) is prefix for VIRGINIA

The first time i got a call from them i was transferred to someone else, he answered by saying his name, i realized this was a scam and hung up. They wanted me too pay $250 fee at western union 3 times for a government Grant of $9000, they still call and each time it's a different area code.

I get several calls a day to my magic jack that I use only for messages. I delete any number that I am not familiar with. Same for my cell and landline.

What about calls from a supposed states attorney's office, saying a warrant will be issued for non payment of a debt. Correct me if I am wrong, but personal debt is a civil matter, right?

FTC has some good blogs on Government Imposters

The scam is that account numbers and routing numbers are connected to each citizens social how is that please do explain. Also we have paper bonds connected to our birth certificates so explain this

the paper bonds? are you referring to the video on you tube? that guy was thinking the number on his birth certificate was a bond number. what the number is though, has nothing to do with bonds. it is the number of birth certificates chronologically. treasury direct paper bonds are bonds purchased by someone to earn money.

Maybe it's a scam but the proof behind it all, the amount of research and shared history put in the posts by some of these guys. Ambition and drive. Its pretty good for a banking history lesson as well at times. I guess it's like the lottery, the odds are against you but every once in a while it brings you back to childhood with that feeling of excitement and a little bit of hope. The original founders have never asked for a dime nor any of your info. Now be careful, there are people out there jumping on the ride hustling a scam of sort, The whole thing is not about money, It's just about truth and what all is going on in our lifetime. Better news than what's broadcasts as news on Television. Some of the people are entertaining dumb and conspiracy theory minded. But there are a few that are very intelligent, and we'll as my dad would say "Think before they speak". Well thanks for reading, Bored on the couch.

Some comments here are talking about other scams, irrelevant.. In this scam you don't win or get grant, it's your money

OK, I'm going even more "off topic" as you say by replying to your comment, but . . .

Here are my observations as a result of reading FTC blogs for a couple years (every one of them and commenting):

The FTC moderators seems to be fairly forgiving on rule one pertaining to stay on topic, as long as it involves SCAMS.
I am thankful for this, as I think many commentators have important experiences to share that THEY FEEL is related to the FTC's post.
There are off shoot threads like this, with Q & As or comments and answers. These are also important to the consumer experience on this site. I get just as much value from the public's comments/experiences as I do from the FTC's original post.
And finally please note: the FTC moderator posted your “off topic” comment, ha ha ha.

How much is the Federal Reserve paying you to report this such a way shame on you

Some of you want to be "woke" so badly that it's literally leading to your financial destruction before your eyes. If you try to use an internal-only routing number and your SSN, your payment will bounce. Period.

There are a group of about 15 to 20 people on YouTube That are making video,s about how that every American citizen has a hidden secret bank account with the federal banks. And giving them routing numbers. Telling them they can use these with there social security numbers to pay there bills and buy items from Amazon.Someone needs to make YouTube take down they videos and ban the ones doing this before they get alot of people in trouble for doing this they have thousands of people believe this and they are calling it a movement I,m sure most of these people Don't relizse they are being scammed. But it also sounds like a lot of them don,t really care. But I believe that's were all of the charges going to the federal reserve banks are coming from. Someone from some part of the government should look into this on youtube.

No media is immune from scams, to include YouTube. Some people just don't realize, just because it's posted on YouTube, doesn't mean it's the truth or real. I pay attention to the YouTube poster like I pay attention to the author of material on the Internet.

I've seen multiple Youtube videos in regards to this 'scam'. Anyone with a Youtube account can research this themselves. The problem truly is, people trying to get something for nothing. However, that's the gist of printing money based on debt notes, it truly is something from nothing. So basically, our money is based on the same unreality as the people trying to buy or pay things utilizing 'secret accounts'. Nothing from nothing leaves nothing. The difference is, the Central banks have the authority to create wealth based on spending or consuming (thin air), but we do not have the right to do the same (chattel/sheep).

Well i recently tried this "scam" and it said my order was placed.then about an hour later,my account was blocked because it had been hacked.smh.DONT TRY THIS!!

There are some major figure heads pushing the secret account held at the federal reserve. If FTC would work hand in hand with YouTube shutting down those channels, it would help alot. These channels have been reported to YouTube, and they have been really either slow, or not removing them at all. The videos contain routing numbers, and discussing the format of the SS# to process the transactions. If an individual attempts to reference the bulletins from the FRBNY or even the bulletin on this site, they are attacked as a government informant, shill, troll, among other not so nice names. Please move faster in bringing these individuals to the justice they so richly and rightfully deserve.

I have tried the same youtube scam.. saw the video, did the research, tested the theory and got my answer: this is definitely a scam. I tried to purchase something in my own name on Amazon using all the info given and it said my order went through but nothing ever came in the mail. I got a confirmation sent to my email and everything but when I logged back in to Amazon and checked my orders the product wasn't even listed. This is super fake and a waste of time and energy. Just get a job and save up!

Weird that Amazon sent a confirmation... If the account information was not valid then Amazon would have sent a request to update payment information.

I think I got scammed out of my ss# over this. Videos about how this is legit & safe are all over YouTube, they need to be shut down because there's nobody saying it's a scam compared to all the flooded videos, and when you look it up on the internet it was even hard to find were you guys said it was a scam. So by the time I found it I was scammed. I really feel like my ignorance got taken advantage of, and the fact that was under duress do to a bill. They even have people on YouTube believe in that you guys are lying to everyone. I feel like I was tricked by Marilyn Manson, or some great pyramid scheme. :(

I fell for this scam. I deposited money into my mother's credit cards to pay them off then we went shopping. Two credit cards total. The amount of my debt as of right now stands at 329 9.49 and I still have another 8 98 dollars once it reverses. This is on my mother's credit card meaning it's on her credit. If there's a way to fix this I would love to know it. I'm supposed to talk to discover and Merrick Bank today to see what the outcome is. I could be facing felony charges for credit card abuse. Why discover and Merrick went ahead and paid for the purchases is unknown to me. Why they left those payments from the frb has posted for 3 and 4 days is also unknown to me. The $898 payment to Merrick is still posted and this will be the fifth business day. But however I do believe that it is a scam that I fell for. And I have already contacted the FBI to find out what my next step is supposed to be. I will try to keep it the public informed as to the reality of this claim that we have a secret account. Also when it comes to the birth certificates I too fell for that and began filling out the form the ucc-1. But then whenever I found out that I had fallen for a scam and was trying to figure out what to do next I ran across a post that said put any number in on that calculator. I did that a number at random and got the same exact number as what I thought my birth certificate was worth. I would suggest really digging in deep before taking any action to find out if this is true or not.

I got a call from supposta be IRS that I owe over 2000.00 forr taxes and said an warrant for my arrest would be put out if I didn't pay immediately. So...?

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