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Bank Account Loading Guide – Updated ACH Guide

Bank Account Loading Guide – Updated ACH Guide

Bank Account loading is not a cash-out mechanism used today, and it was first used for cash smuggling in the days before electronic banking.

Although bank loading is easy, it is difficult, especially if you do not know how to bypass the chargeback. As you read on, however, you will find a link I have embedded that teaches you how to bypass the chargeback.

The problem with ACH loading is that it takes 2-3 days to complete. But the beauty in it is that it allows you to move funds without authentications of any sort.

Bank loading refers to the process of moving money from either a dead person’s bank account or from a living person’s bank account illegally, often without their consent.

When you move the money successfully and withdraw or make the stolen fund legal, it is called cashout.

You can legalize illegal funds in various ways, including moving to BTC, betting with the funds, using them to buy gift cards, etc.

Is loading funds illegal? Of course, it is illegal to load a bank account. Typically, loaded funds are moved to a bank drop to keep an illegal hustler anonymous on the internet.

To move funds, you need bank logs, which contain the info of the account that carries the funds.

If you are fortunate to move funds from a dead person’s account, it is unlikely that you will get caught or charged back by the bank. The reason is simple; the account owner is not there to dispute the transaction you are making.

What is Bank Logs?

Bank logs are the login and verification details that you use to cashout a bank account illegally.

For you to load an account, you need the bank logs of the account, and the bank logs include bank account number, routing number, username, SSN, login username, and login password. Note that depending on the bank the account is registered with, you may not be requested to provide all of the bank logs.

What is Bank Drop?

A bank drop is an account that loaded funds are moved in to. Any bank account can serve as a bank drop, but it is not advisable to use a personal bank account for dropping.

Typically, a bank drop is run by a person called the money mule. You can also be a money mule if you know how to create and cashout loaded funds without chargebacks.

What is Money Mule?

A money mule is a person that operates a bank drop. He collects illegal funds or loaded funds and moves the funds to the owner legally.

A money mule charges a percentage for the transaction.

Bank Account Loading History

The use of banks started far back in 2000 BC, even before carding and cashout. Like today, robberies took place, and it was the only way illegal hustlers could make money with dangerous metals, woods, machete, etc.

Later on, bank robberies were reduced as the government executed plans to clamp down on perpetrators. There were no many stories on bank robberies, but illegal hustlers were still earning. How? They became money mules for top government officials.

They helped the government to move money to different cities and tribes without getting caught.

Fast forward to around the 1940s, banks started going electronic.

Of course, the internet arrived at this period, but it was not very effective until around 1974 when wire transfer set in.

Now, here is the reason for the famous wire transfer fraud (wire wire) that you hear and read about daily.

Around the early 2000s, electronic banking improved in several developed countries, thus, making way for e-banking fraud.

Government officials had it even easier to move funds and make the dirty funds legal at the snap of their fingers.

Of course, it was the job of money mules to collect the money and make it legal in other countries. Even money exchange is not difficult once you move money to a new country.

Between 20001 and 2005, some banks were hacked, and banking information went into the dark web for sale.

This action gave rise to bank account loading and cashout because people bought the bank details and used them to log in to their accounts and withdraw money.

Today, bank logs are everywhere on the internet, especially when a person dies.

ven bankers disperse bank logins unknowingly for illegal hustlers to pick and sell.

Requirements for Bank Account Loading

In this section of the tutorial, we discuss the tools/requirements needed for this bank loading tutorial to be successful.


OPSEC refers to operations security, and it includes every anonymous tool such as the VPN, RDP, Socks, etc.

It is the only way an illegal online hustler can survive without getting caught or whatever.

Even crime agencies such as the FBI would find it difficult to crack down illegal hustlers with good OPSEC.

If you are using RDP, you need the Firefox browser. A VPN is cool, but it is advisable to use a premium VPN.

Another importance of a VPN is that it allows you to access the bank account you want to load without geographical restrictions.

Note that you are to connect your OPSEC to the location of your bank log.

Bank Drop

A bank drop is needed to move funds without issues.

If you use a personal bank account, the bank can trace you, especially if you reside in the country using the bank account.

Like I explained earlier, you can create your bank drop without contacting a money mule.

Note that the bank drop must be created for the location that the bank log was created.


You need CCleaner to clear logs while running the bank account loading.

It is different from a VPN, Socks, etc., because it does not change your IP or whatever.

Bank Logs

You also need bank logs, and it must be high balance bank logs.

Bank Account Loading Tutorial

In this section, we discuss the guide to load a bank account.

Below are the steps regarding the ACH bank loading tutorial:

Get Bank Logs

First, buy bank logs online and log in to check whether it has a positive balance. Make sure to use an escrow while posting for the bank logs.

Since the bank log does not belong to the vendor, you cannot change the email address because the vendor cannot also access the email address.

I have listed the best banks for loading, as you read down.

Enable OPSEC

Before you load funds, you have to enable OPSEC. Make sure it is connected to the location of the bank logs, otherwise, it becomes a suspicious login.

You can also confirm how the internet is viewing your IP by navigating to or

Visit the Bank with Logs

The bank you must visit must be the bank of your bank logs.

You can visit the bank via their website or mobile application. I recommend downloading the mobile application.

For example, if the bank log bank is Chase Bank, you are to visit and log in with the bank log details.

Confirm Balance

The next thing you want to look for is the bank account balance.

If the balance is negative, it is useless for you.

Also, check whether it is eligible for ACH transfer. Of course, it should be eligible because most banks support ACH transfers.

Link Bank Logs to Drop

After you confirm that the account has a positive balance, go to your bank drop and link the bank logs there.

I have written an article on bank drop creation, which you should read.

I also wrote a guide on moving bank drop funds without chargeback or getting your account suspended/banned.

When you link the bank drop with the spammed bank logs account, the drop may deposit a small amount to the bank logs for account verification. It should take a few hours, but not up to 24 hours for the verification to complete.

Typically, the verification amount can be anything from $0.01 to $1.00.

Login to the Bank Logs

At this point, you have to log into the logs via the website of the bank.

For instance, if you are loading Chase Bank, open your browser and visit

Add Bank Drop

When the login is successful, enter your bank drop details.

The details of your drop would include the account number, and routing number. Depending on the bank, you may be requested the account nickname, address, etc.

You have to keep checking the log account just like the drop account for the verification deposit.

Load Funds

To load funds, click add bank account after logging in with the bank logs. Of course, the account you are adding will be the bank drop details.

Provide the routing number, drop account number, and maybe the SSN, (if required).

Finally, enter the funds you want to transfer. Try not to exceed $600 to avoid suspicion.

ACH transfer typically takes about 2-3 days from the time you execute the transfer.


Once the funds drop in the account, the money mule will forward the funds and keep some percentage for themselves.

If the drop belongs to you, then you can cashout fast.

I assume you read the article URL I embedded somewhere up there in this article that discloses how you can cashout a drop with no chargeback. Follow the article to cashout if you operate the bank drop.

Best Banks for Loading

While some banks are great for loading, others are not. In this section, I list the best banks for loading and cashout.

Below are the best banks for loading funds:

Final Thoughts

Loading a bank account is not difficult as such, the problem is getting logs with high balance.

Make sure to use a drop no matter what.



As a team of expert hackers and carders who have been on the market for over 10 years, we are fully available for great money making ventures. You can reach us by

EMAIL: [email protected]

TELEGRAM: @astradumps



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