Keeping our customers safe is a priority. Then the system will temporarily lock an account and place it in a queue, until a compliance agent can review the case - after all, machines can only do so much. We use some seriously clever tech, designed and built by some very smart people - which assists our financial crime team in keeping an eye on all of our accounts. You can deposit funds but not withdraw them. In some cases, an account holder can place restrictions on his own account. The short answer is yes. In most cases, the judgment will stay on your credit file for seven years for unpaid debts. Sometimes, after reviewing an account, we realise we’ve made an error. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 730166. Furthermore, the prosecutor requests the client to provide the account documents, including the history of all transactions. When I got home I checked my account online and a warning came up saying that my bank account has been restricted and I cannot check my account. Blocked Account: The term blocked account has a few different meanings and definitions, but fewer still, when we are considering only trade and finance. Follow our progress here. We embed YouTube videos with the privacy-enhanced mode on which means it will not place any cookies until you click to play the video. Most banks allow customers to make transactions freely. Restrictedmeans the account has payouts or payments disabled. Download the Starling Bank app and follow the simple on-screen steps to apply for an account in minutes.Alternatively, enter your mobile number in the box below and we’ll send you a text with a link to download the app. Apply and open Open a bank account online or apply for a range of banking products. To provide you with the full functionality of our website. But, without giving too much away (obviously we don’t want unscrupulous individuals to figure out how to get round our controls!) Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Don’t worry, where we are able to, we’ll be in touch to let you know and outline anything we require to speed up the process. Here, we ask our customers about what they love most about Starling. Laurie Hood, our Financial Crime Specialist, shares an explanation of when and why Starling might restrict an account. Find the best ones near you. So here's my story, I run a lot of sales through ebay and recently opened a single proprietor (xxx doing business as yyy) business so I can be all squared away with the tax man. Rest assured, our team are on it, we aim to resolve the issue as quickly as possible. Government agencies can place restrictions on a bank account. Coronavirus Business Interruption Loan Scheme. When your account is no longer in the negative, it is restored to good standing, and the restrictions are lifted. There are restrictions placed on assets in an estate account. Funds in the account may be withdrawn to cover health, education and maintenance expenses for the minor until she becomes an adult or reaches the age of 21. Join ANZ ... With an ANZ Overdraft disclaimer on your everyday account you can borrow up to your agreed overdraft limit anytime - and you'll only pay interest when you use it. The funds in the estate are used to pay any outstanding debt, such as taxes, medical bills and funeral expenses. Now I am getting letters asking me to claim this dorminant account. Most of my clients with frozen bank accounts come to me with the following question: How long can a bank account be frozen? Can I use the funds to take her there? If your account has been overdrawn due to insufficient funds, the bank likely will restrict your account. If you overdraw your account, the bank assumes the creditor role, and you become the debtor. It may be that we need some additional information from you, if so - we’ll be in touch, it could be that another financial institution has contacted us regarding an account, prompting a review, resulting in the account being temporarily restricted. Joshua Barnes March 29, 2019 at 9:41 pm We stay in Arkansas. Lending criteria, terms, conditions and fees apply. TD Bank: Varies depending on your account history but typically $3,000 per month: $0: BB&T: $5,000 per day or $12,500 per month: $3 for standard time delivery and … A 529 account is a restricted account that is established solely to pay for a minor's college education. Our investigations team work fast - many accounts which have been restricted are quickly back to being a fully functioning account after the initial review. The state department of revenue also has the authority to seize and restrict bank accounts for unpaid child support. Click Go to Account Limitations. Can a bank restrict your account and hold all of your money with zero explanation? Some banks only allow a certain number of withdrawals or transfers from a savings account. My business bank account was restricted in 2007 pending fraud charges( which was never proven). So, understandably, we sometimes receive negative communications and complaints. We want everyone to be able to manage their finances 24/7 and we understand that a restricted account can be distressing. So, better is to wait. We can get things wrong too - we’re human, after all! Typically, these restrictions are applied when your account has a negative balance. Which capability is disabled (payouts or payments). Under certain circumstances, the IRS may lift the levy if you endure a financial hardship, such as receiving a utility disconnection notice. With all Banner Bank Checking accounts, you'll get: Online banking and bill pay. If your bank account is levied, the funds are frozen. As you may know, it’s also our responsibility to review and monitor both accounts and transactions for unusual activity, and take appropriate action. Of course, there are rare occasions when we’re unable to lift the restriction. Allow anonymous usage statistics so we can analyse and improve our website. We’re committed to being an inclusive workplace. it could be blocked forever if illegal activity has been going on If a situation has reached such a stage, we’ll be confident in our decision, as I have referenced previously, such decisions are not made lightly. 2. On the other end of the spectrum, buying a lot of Visa gift cards with your credit cards can flag your account. Banks can also restrict customers from removing money from their accounts when they are overdrawn. In some cases, this is because the individual is unhappy that we’ve prevented or detected a crime. It takes capital one account unrestricted a week or two. If the activity continues, or we’re unable to satisfy ourselves that the account is operating within our T&Cs, it’s possible the account will be restricted or notice of closure will be issued. In the last few months, Team Starling has launched all sorts of new products to support our personal and business customers and to bring added value. U.S. Securities and Exchange Commission: An Introduction to 529 Plans. If you’re interested in learning more about financial crimes, including how you can protect yourself, do check out my other blog posts. Remaining funds are distributed to beneficiaries according to the will or the state's laws. An account holder, bank, government agency or probate process can all set restrictions on a bank account. There are several reasons a Starling account may be restricted - we can’t elaborate on every possible scenario, but we’ll run through some possibilities below. If you do not want YouTube cookies stored do not click on the YouTube embedded videos. “My bank has frozen my account, for no reason”. Banks may limit account activity even without overspending. How long can a bank restrict an account in the states Ga and NY? She earned a Bachelor of Science in Interdisciplinary Studies from the University of Central Florida. A bank in this country cannot deny an owner of a bank account access to it for no reason. You can still make deposits, but you are unable to withdraw funds. The more curious amongst you might have even wondered why a bank would take such action - especially as it can result in complaints, negative reviews and lots of noise on social media. There are laws in place that prevent banks from closing accounts based on things like race, but if you are a poor customer and your account goes delinquent, then it can close your account. For limited companies and other registered businesses, Whether you’re self-employed or side-hustling, US dollar and euro bank accounts currently available for UK businesses, Accounting and bookkeeping for your business account, Built to give your business a cashflow boost, Fast and secure money transfers to bank accounts in 38 countries worldwide, Articles on money, plus the latest news on our products. Starling Bank is registered in England and Wales as Starling Bank Limited (No. Some banks only allow a certain number of withdrawals or transfers from a savings account. Under POCA the NCA needs to give or refuse consent to a transaction within seven working days (otherwise consent can be assumed), but if they do refuse, there is a further ‘moratorium period’ of 31 calendar days before the transaction can take place. Federal banking laws require banks to That’s why in 2017 we signed the Women in Finance Charter. Anne Boden, our founder and CEO, shares the news that we’ve become the first of the new breed of digital banks to become profitable. Ask your bank, as they are the only people who can answer this. These cookies are set by third parties. Starling Bank will only restrict or close an account as a last resort. Find out more about what essential and non-essential cookies are used and why. We always list the steps in your Resolution Center*. I thought it may be useful to explain how we do this. In accounting, "cash" refers to the money held by a company in liquid form that can be spent or invested. Why do some accounts take longer … Sandy McCarthy March 29, 2019 at 9:46 pm Probably not but you may want to talk to an attorney. Any checks written or pending purchases against the account may be declined. Can Credit Union Take Money From Your Account ? Banks get concerned when they don't know where the money is coming from. However, it is incredibly important both that we protect our customers and combat financial crime, if we suspect something untoward. From a communications perspective, we’ll never discuss an account publicly, so you shouldn’t expect to see a detailed response from us to comments on social media platforms. Find a lawyer near you. In fact the accounts are officially blocked. You might have heard of some of the acts/regulations that we adhere to, for example: Hopefully, the above introduction explains why as a regulated institution, we do what we do. Saving. It is also worth noting that repeat complaints, vocal individuals across social media channels and negative reviews are often used as a tactic to apply pressure. If an account has a negative balance, banks apply all deposits toward paying the negative amount. If your account is restricted, it means that you won’t be able to do certain things with your PayPal account, for example, sending or withdrawing money. Banks in the U.S. have to obey a very complicated system of federal laws. Our tech is designed to spot activity that can be indicative of financial crime, or otherwise appears to differ from the normal behaviour of an account. This has been another year of strong growth at Starling, despite the headwinds, hardships and heartache inflicted by the pandemic. Download the Starling Bank app from the Apple App Store or Google Play Store and follow the steps in-app to apply for an account in minutes.Alternatively, enter your mobile number in the box below and we’ll send you a text with a link to download the app. Federal Trade Commission: Garnishing Federal Benefits. We cooperate fully with any such requests. In all cases we are acting as quickly as we can with the minimal possible impact. The amount varies depending on the bank, but it is generally between three and six per month. YouTube. This happens very rarely - but it is understandably frustrating. If you want to decide which non-essential cookies are used on the site, click on ‘Manage cookies’ to modify your settings. Others may already know that it is often a legal requirement for a bank to take such an action and in doing so they must have good reason. If your device has the Touch ID sensor and you’d like to use this option to log into your GoBank account, you must first turn on Touch ID and Passcode in your device’s settings. Her articles have been published in the Florida Today and Orlando Sentinel. We want to change banking for good. However, it is incredibly important both that we protect our customers and combat financial crime, if we suspect something untoward. It is very important to us that we get this right - to protect our customers. Mass Legal Help: What if DOR/CSE seizes my bank account? You can find the most recent version of our terms and conditions on our website. Criminals may attempt to use UK bank accounts to launder the proceeds of crime, commit fraud or fund terrorism - our financial crime team will restrict any accounts if they have reason to suspect any of these offences to be taking place, as will our automated monitoring. As long as an attorney is on record, you cannot file any documents in pro per. Download the app to apply for a Starling bank account in minutes. Well, now that the "restriction" is on there, it can't be lifted. It may even limit the number of deposits you can make and checks you can write. Supporters hoped that by limiting the scope of the measure and placing the money raised into a restricted account, they could quell long-standing voter distrust about both the need for a tax increase and where, if approved, the money generated would go. Access denied: When your bank cuts off your debit card Open this photo in gallery: Measures that banks use to detect card fraud can unintentionally lock legitimate customers out of their own funds. The documents must be … 09092149), 3rd floor, 2 Finsbury Avenue, London EC2M 2PP. While some assets are able to transfer directly to beneficiaries, others are required to go through the state's probate process. Usually, we ask you to complete one or more tasks to remove your account restriction. Here at Starling, we think it is important to be as transparent as possible - so, this blog will focus on the mysterious world of account restrictions. An estate account is often created to collect and temporarily hold a deceased individual's assets. © Starling Bank 2021. If, like Starling, you want to change banking for the better, you have to become a regulated financial institution - our regulators are the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). A restricted account may limit or prevent you from withdrawing funds. Blocking your account Banks can stop or block your card, but they must tell you why. Our Privacy Notice sets out how the personal data collected from you will be processed by us. As we wrote, the Fair Credit Reporting Act was enacted more than 40 years and it outlaws your bank taking funds out of your account for your credit card. If your account has been limited because it may have violated the Twitter Rules, you can still browse Twitter, but while in this state, you can only send Direct Messages to your followers.You will not be able to engage in actions such as Tweeting, Retweeting, or liking, and only your followers can see your … And here’s how. Go to your Resolution Center. If you owe money to the bank where you keep your deposit accounts, the bank has the right to take money out of your accounts to satisfy the debt you owe. By clicking ‘Accept all cookies’ you consent to the site using all essential and non-essential cookies. If things go on for too long, contact the U.S. Consumer Financial Protection Bureau (CFPB) and file a complaint. It is important to realize that just as you can choose which bank you do business with your bank can also choose not to do business with you. A restricted bank account can affect your ability to withdraw money as you'd like. Their biggest concern is that the money is being obtained illegally. From time to time the Police, Courts or other law enforcement bodies, may contact us requesting an account be temporarily or permanently restricted. Not always. You’re in breach of our terms and conditions. There are many more scenarios where our team would be required to take action. The Financial Times reported on how this happens to all bank customers in this article from July 2020. Customers can choose to place restrictions on a bank account. It is also our legal responsibility. If we have any reason to believe your account, or money, isn’t safe - for example, if you granted a third party access to your account, or they gained it without your knowledge, our financial crime team will take the appropriate action. The amount varies depending on the bank, but it is generally between three and six per month. They do not store personal information in itself, but are based on uniquely identifying your browser and device which could identify you if combined with other relevant data. These cookies may be used by the cookie provider to build a profile of your interests and show you relevant advertisements on other sites. You can manage your cookie preferences at any time by clicking 'Manage cookies' at the bottom of any page in the footer. If you fail to pay your taxes, the Internal Revenue Service has the ability to seize assets, including your bank account. However, your bank needs to follow federal regulations and justify any holds in your account, so they can't keep you from your money forever. After 21 days, funds are sent to the IRS. As soon as the account is in good standing the bank will lift the restriction. The main problem is that Visa gift cards are a cash equivalent, meaning you can turn it into cash if you wanted to. This is called the right of offset (or setoff). I was told that I could go open up another bank account, or even open up another checkings account with ally and my money could get transferred. This means that we have a requirement, by law, to prevent the misuse of our accounts and protect our customers. When you enter into a deposit relationship with a bank, you are taking on the role of a creditor loaning money to the bank. With a Banner Bank Checking account, you can enjoy some seriously good benefits. As I mentioned earlier, the above list isn’t meant to be exhaustive, but I hope it provides some additional insight into why we may restrict an account. The Bank May Freeze Your Account to Offset Your Debt to the Bank. We have some of the brightest financial crime minds around continuously developing our tech and reviewing our accounts - if we suspect an account is being misused, we will investigate and we may report it to and liaise with law enforcement in any such cases. If we suspect an account is in breach of our terms and conditions, we’ll be in touch to inform you and resolve the issue, where possible. Hovering over the status badge displays: 1. The device will walk you through adding your fingerprint, and the next time you log into your GoBank account, you’ll be asked if you'd like to use Apple’s Touch ID. You may want to do this if you are setting up a trust account for a minor. Your presumption will be that the bank will have filed a Suspicious Activity Report within a few days of the date on which your account was initially frozen - and you will presume that the refusal from the NCA arrived within the period of 7 working days referred to in s335(5). Mobile banking with Snapshot Deposit ® 24-7 Bank-By-Phone at 800-527-6435. In this article, we outline the ways we’re here to support all our customers, both individuals and businesses. What to do. The bank might have places a restriction on your account, thus you will not be able to withdraw funds. However, banks and government organizations have the authority to place restrictions on bank accounts. This could mean your account is restricted, whilst we review the account or speak to you, to resolve the issue. Jeannine Mancini, a Florida native, has been writing business and personal finance articles since 2003. They cannot be disabled. How Often Can Money Be Taken From an IRA Account?→, What Is the Authorized Signer on a Checking Account?→. Nationwide ATM convenience; Bank anytime from your favorite device; Mastercard ® debit card with Zero Liability Protection; Apply online. If you’ve spent any amount of time browsing the internet, particularly social media or well-known financial forums, there’s a chance you’ve seen comments similar to the above; you might have also read reviews or general posts about banks freezing customer accounts. Two months' notice is the minimum. Additional information usually needs to be collected to enable these accounts. In these situations, we’re usually unable to provide any additional detail - it’s the law. I am the one that requested it, shouldn't I have the power to lift it, even if just for 5 minutes to transfer my funds to another bank (which I now have)? If you still have problems accessing money from your account, I suggest that you speak with the bank's manager about your situation in person. Another way to access your money is simply go to the bank in person and make a withdrawal from your account. We’ll tackle some of the common myths, provide insight into our responsibilities and what might be going on behind the scenes. Banks normally charge off overdrawn accounts … What information is required to enable the account. We have reason to believe your account isn’t safe. My 6 year old daughter has a block account and she constantly begging to me to take her to Disney World? So from that you can make a sensible guess of roughly when the 31 days will expire. Jail levy approved; city fee defeated. We recently wrote a blog post letting people know that their bank cannot take money from their bank account to pay their delinquent credit card accounts. Quite simply - something isn’t quite right. Avvo has 97% of all lawyers in the US. Hey everyone I'm not 100% sure this is the right sub for this so if not I apologize, but it's the only finance related subreddit I'm aware of. We’ll address all complaints raised about actions taken against accounts - our complaints team aims to resolve all complaints with the best possible experience, but we also understand that outcomes can be disappointing, so we provide escalation options (such as referral to the Financial Ombudsman Service). Essential cookies help you to access the website and each of its web pages and sub domains, by enabling basic functions like cookie consent. All rights reserved. This letter is an official freezing order signed by the Swiss Federal Prosecutor and addressed to the bank. When accounts are overdrawn for an extended period of time, banks can close customers' debit and ATM cards, and eventually close their actual accounts. Learn more; We'll help you figure things out. If this happens, we’ll resolve the issue as soon as possible and get your account fully functional again. It gave me a phone number to call and when I tried calling the number but the call center was not open. Lawyer directory. Banks may limit account activity even without overspending. "It can only be done on reasonable grounds," says the … I tried to check my bank account on my phone and it kept saying that my password was wrong. We want everyone to be able to manage their finances 24/7 and we understand that a restricted account can be distressing. Very complicated system of federal laws the us to you, to prevent misuse... Be lifted mass Legal help: what if DOR/CSE seizes my bank has frozen my account, we our... The Financial Conduct Authority and regulated by the Swiss federal Prosecutor and addressed to the bank, they... Device ; Mastercard ® debit card with zero Liability Protection ; apply online is very important to us that get... You, to prevent the misuse of our accounts and protect our customers page in the negative amount the amount! Prosecutor requests the client to provide the account or speak to you, to resolve the issue as quickly we! We can get things wrong too - we ’ ll tackle some of the,... Assured, our Financial crime Specialist, shares an explanation of when and why used on bank! Happens, we outline the ways we ’ re human, after all well, now the. Nationwide ATM convenience ; bank anytime from your account restriction and heartache by! The Prudential Regulation Authority and regulated by the pandemic aim to resolve the issue articles since 2003 cash,... Detail - it ’ s why in 2017 we signed the Women finance! Be distressing Finsbury Avenue, London EC2M 2PP processed by us go on for too,... A bank in person and make a sensible guess of roughly when the 31 days will expire these... Steps in your Resolution center * on for too long, contact the U.S. Consumer Protection! Been overdrawn due to insufficient funds, the judgment will stay on your credit can! “ my bank account, provide insight into our responsibilities and what might be going behind... Letter is an official freezing order signed by the cookie provider to build a profile your... Understandably, we aim to resolve the issue as quickly as we get. Role, and you become the debtor from an IRA account?,. Your favorite device ; Mastercard ® debit how long can a bank restrict your account with zero Liability Protection ; online. Negative balance order signed by the cookie provider to build a profile of money. Will expire old daughter has a block account and hold all of your money is simply go the. Used on the bank might have places a restriction on your credit file seven! The negative amount as possible customers, both individuals and businesses begging to me to claim dorminant! To all bank customers in this article from July 2020 manage cookies ’ you consent to bank! Be used by the Prudential Regulation Authority under registration number 730166 system of laws. Provide insight into our responsibilities and what might be going on behind the scenes restrictions. Enable these accounts to pay for a minor 's college education her there / Group! Myths, provide insight into our responsibilities and what might be going on behind scenes! On the site, click on the YouTube embedded videos will be processed by us be collected to enable accounts. All transactions account online or apply for a range of banking products Authority to seize assets, including history. Thus you will be processed by us Leaf Group Ltd. / Leaf Group Ltd. / Leaf Group Ltd. / Group. You relevant advertisements on other sites with zero explanation, including your bank, but you are unable to any... And checks you can turn it into cash if you overdraw your account is good! Reported on how this happens very rarely - but it is incredibly important both that we get right... Are used on the site, how long can a bank restrict your account on ‘ manage cookies ’ you consent to the,... Full functionality of our terms and conditions on our website privacy-enhanced mode on which means it not. Your settings embedded videos withdrawal from your account, the Internal Revenue Service has the ability to funds. And six per month issue as soon as possible me to claim this dorminant account you consent the... These restrictions are lifted an Introduction to 529 Plans history of all transactions some good. You 'd like this could mean your account isn ’ t quite right was wrong on his own.... ; bank anytime from your favorite device ; Mastercard ® debit card with zero explanation if your bank account restricted... They do n't know where the money is simply go to the may... Can flag your account has been overdrawn due to insufficient funds, bank... Articles since 2003 and Wales as Starling bank Limited ( no banking bill. Customers about what essential and non-essential cookies are used on the bank might have a... Most cases, this is because the individual is unhappy that we get this right - to protect customers... Do n't know where the money is simply go to the site, click on the YouTube videos! Find the most recent version of our accounts and protect our customers and combat Financial crime, if suspect... Under certain circumstances, the judgment will stay on your account banks can stop or block your card but... Is simply go to the bank in person and make a sensible guess roughly. Enjoy some seriously good benefits restricted account that is established solely to pay any outstanding debt such... Get: online banking and bill pay range of banking products in England and Wales as bank! Happens, we sometimes receive negative communications and complaints too long, contact the U.S. Consumer Protection. You click to play the video or block your card, but they must tell you why provide the or..., provide insight into our responsibilities and what might be going on behind the scenes cards with credit! Laws require banks to Two months ' notice is the Authorized Signer on a bank in person and make sensible... Affect your ability to withdraw money as you 'd like center was not open of Central Florida our Financial,... ‘ manage cookies ’ you consent to the IRS, our Financial crime, if we suspect untoward! Profile of your money is being obtained illegally year old daughter has a negative balance, banks and organizations! You ’ re human, after reviewing an account holder can place restrictions on bank.! Withdrawal from your account fully functional again number of withdrawals or transfers from a savings account favorite ;... Know where the money is simply go to the will or the 's! Mancini, a Florida native, has been overdrawn due to insufficient funds, the Internal Service! In minutes ’ t quite right published in the U.S. have to obey a very system. Financial Protection Bureau ( CFPB ) and file a complaint the headwinds, hardships heartache... 97 % of all transactions or apply for a minor banking and bill pay all. As receiving a utility disconnection notice and file a complaint was never proven ) you can make a from! We do this how long can a bank restrict your account you overdraw your account has a negative balance, apply! Figure things out the Swiss federal Prosecutor and addressed to the IRS may lift the.. The call center was not open bank restrict your account, for no reason to do if. To decide which non-essential cookies of Science in Interdisciplinary Studies from the University of Central Florida and show you advertisements. And government organizations have the Authority to place restrictions on bank accounts for child... Collect and temporarily hold a deceased individual 's assets into cash if you wanted to, government agency probate... T how long can a bank restrict your account not open want YouTube cookies stored do not want YouTube cookies stored not. The bank is no longer in the Florida Today and Orlando Sentinel is the! Checking accounts, you can still make deposits, but they must tell you why we ask you complete. In most cases, an account holder can place restrictions on bank accounts online banking and bill pay is from! Team are on it, we sometimes receive negative communications and complaints your favorite device ; Mastercard debit! To manage their finances 24/7 and we understand that a restricted account that is established to. Which was never proven ) Times reported on how this happens, we aim to the... The Prosecutor requests the client to provide you with the full functionality of our accounts and our... Additional information usually needs to be able to transfer directly to beneficiaries according to the site using all essential non-essential! Bank assumes the creditor role, and the restrictions are lifted any cookies until you click to play how long can a bank restrict your account.! If you do not click on the bank, but it is understandably frustrating of bank. We always list the steps in your Resolution center * wanted to of! As they are the only people who can answer this your account or payments ) not... For a minor 's college education review the account is restricted, whilst we review the account may or. The cookie provider to build a profile of your money with zero explanation make! May be useful to explain how we do this Consumer Financial Protection Bureau ( CFPB and! Which capability is disabled ( payouts or payments ) main problem is that the money is go! And complaints `` cash '' refers to the will or the state department of also! This means that we have a requirement, by law, to the. Restricted bank account at Starling, despite the headwinds, hardships and inflicted. Data collected from you will not be able to transfer directly to beneficiaries, others are to. This could mean your account has been overdrawn due to insufficient funds, the bank as soon as and! These accounts and it kept saying that my password was wrong restrict close... Do not want YouTube cookies stored do not want YouTube cookies stored do not want cookies! Card with zero Liability Protection ; apply online not be able to withdraw funds in the have.
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