Generally, military housing is provided for all service members, whether theyre living on or off base. Do soldiers have access to their bank accounts while deployed? Friendly or familial identity theft, Unemployment and government benefits identity theft, Account takeovers (social media, email, etc.). Few civilians know the specific rules that service members have to follow. How many views do you need to get paid on YouTube? This tactic works especially well for military romance scams, as they can say they were on a mission or in training. Analytical cookies are used to understand how visitors interact with the website. Military Romance Scams: Are You a Target? Do soldiers have access to their money while deployed? They pay bills online, buy items from websites and even arrange for car loans. This website uses cookies to improve your experience while you navigate through the website. Scammers will claim they need help paying for their children (many scammers claim to be widowers) or for medical procedures for family members., Again, any attempt to get you to send money, wire transfers, gift cards, or cryptocurrency is a huge red flag., What you need to know: All military personnel have access to world-class medical insurance that covers medical fees and care for themselves, their children, and their loved ones., Related: Child Identity Theft: The Parental Guide to Protecting Your Kids , To get you hooked on the scam, fraudsters want to move the online romance forward quickly. Claim tax relief on purchase in UK as full time employee. Just because someone you met online gives you a name, rank, duty station or even military ID card, that doesnt mean that this is a real person. Its sick. US military personnel have access to banking. We also use third-party cookies that help us analyze and understand how you use this website. Each week, I get letters by email, on my website, by Twitter and on Facebook from women who are sending money to Africa and Afghanistan to help service members come home. I originally had other questions you could ask regarding his training, etc., but Im removing those because many people believed whatever ridiculous information he came up with when they asked. This cookie is set by GDPR Cookie Consent plugin. To protect yourself and your credit rating while you are deployed, The SDP offers deployed servicemembers a guaranteed 10% return on their investments up to $10,000. The cookie is used to store the user consent for the cookies in the category "Other. One minute, he is in Afghanistan and the next minute he is in Africa. Soldiers DO have access to money, while deployed. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. LOL. Military members who are assigned or deployed to a designated combat zone are paid a monthly special pay, known as combat pay (or Imminent Danger Pay). I get emails and messages (or comments) from people who tell me the story and ask me if hes fake. Do US Army soldiers have access to their bank accounts while in active duty? Maj of the Marine Corps Ronald Green, makes over $90,000 a year in base pay alone. How much money do you get for being deployed? Related: The Most Unbelievable Identity Theft Stories of All Time , If you receive a phone call from someone claiming to be a commanding officer, hang up. A fraudster will use their backstory to claim theyve come into money abroad and want your help getting it into the U.S. For example, they might say they found cash or valuable goods during an operation and are allowed to keep it., This is a scam. But opting out of some of these cookies may affect your browsing experience. NO. But troops earn increases as they advance in rank and gain experience. If they ask you for money even a loan, this is a scam. You suspect this isnt for real. If you dont want to read the rest of this article, there is one surefire way to know if your soldier is fake: If a soldier youre dating online asks you for money for ANY reason, its a scam. Hes about to retire, and then he can marry you and live happily ever after. Can the military freeze your bank account? If he wants you to wire money for ANY reason via Western Union (or a similar service), its a scam. This usually also includes stories about being a higher-ranking officer. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. They profess their love almost immediately. If he truly is not allowed to share any details about his job, his CO doesnt even allow him to talk about it with family, much less someone he met on the internet. The Army reports that numerous very senior officers and enlisted Soldiers throughout the Army have had their identities stolen to be used in these scams. This is false! Generally yes, but that may or may not do them any good. The cookie is used to store the user consent for the cookies in the category "Analytics". Great national geographic documentary on OP Respo shows a few Americans getting killed and loads of civilians. Ive seen very badly doctored military ID cards where its obvious hes typed over information on the card. Special Pays for Deployed Soldiers We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Is it true that all military soldiers have frozen bank accounts? All Rights Reserved 2022 Theme: Promos by. is online now Continue Share this conversation Related Military Law Questions Can a army soldier be on a special duty deployment? ). Necessary cookies are absolutely essential for the website to function properly. The highest ranking enlisted Marine, Sgt. This cookie is set by GDPR Cookie Consent plugin. These cookies ensure basic functionalities and security features of the website, anonymously. And if we were, a real soldier wouldnt tell you that. Also, the availability of the internet made online shopping a snap. If these individuals really were in special ops, they would never tell you -- never. These cookies will be stored in your browser only with your consent. When you're deployed basically they can't count it against you for the time you have to file a case in court. What do I do if my bank account is locked? I hadnt heard from him for over three weeks, and I was so worried. Did I miss any? They pay bills online, buy . Another way that scammers build trust is by sending you their official military ID. Lets get this straight you havent met and certainly havent had the opportunity to have any physical relationship, yet he wants to marry you? Analytical cookies are used to understand how visitors interact with the website. I dont care if he asks you to mail him a penny a real soldier will NOT ask you for money. Every need is covered by the military. They don't need to go through non-military channels to get . open new bank accounts in your name and take out loans or lines of credit. The issues with which judges, lawyers, and parents have struggled include substitute visitation by step-parents and grandparents during deployment, consideration of military service as a factor in custody determinations, and whether a temporary custody order can or should be made permanent when a parent comes back from a military absence, such as a deployment. It also has nothing to do with a Western Union office. I tried to raise the money but was making myself sick trying. These cookies will be stored in your browser only with your consent. He's Been Denied Leave He has been deployed for two years, has been denied leave time, and will not be coming home any time soon therefore you won't be able to meet. Almost all of your questions refer to well-known scammer routines. He is on a top-secret mission in a country other than Iraq or Afghanistan (or even in Iraq or Afghanistan its all lies). Posting photos and deployment updates can streamline and personalize all communication. Needs money to come home from down range. With your personal information, scammers can: Can a US soldier travel to Afghanistan on leave? How do soldiers in the military get paid when deployed? During warmer months, sweetened drink mixes such as lemonade and iced tea will be welcome. Try to stay on them as long as possible., What you need to know: Moving off of official dating websites to personal messaging tools is a red flag that youre dealing with a fraud.. If he asks for money, it is a scam. But be especially cautious if you can never reach someone when you want to., Also, be cautious if they say they cant receive mail.. The U.S. military has systems in place for service members to travel on leave. Cut contact with this scammer. Originally Answered: Can US soldiers have cell phones while deployed? He needs to relax and enjoy himself instead of going from one war to the next. They can access their money just like everybody else with a debit card. Analytical cookies are used to understand how visitors interact with the website. Per diem, including payments for incidental expenses, is paid to service members on some deployments. woman warrior. * Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group Inc. End of story. So best to ignore these criminals. Like their male counterparts, day-to-day life for women in the military is mostly training and working out. The cookies is used to store the user consent for the cookies in the category "Necessary". What investment strategy would you deduce from the latest article from Charles Munger? They may be using the picture of a real soldier, but that doesnt mean youre talking to him. Wow, talk about a quick advancement! These cookies track visitors across websites and collect information to provide customized ads. Real officers have even LESS time to be online talking to strangers over the internet. Another common military romance scam is claiming they need money to pay for food or housing. Does the military have access to a bank account in Syria? Does an LED produce light of a single wavelength? These cookies ensure basic functionalities and security features of the website, anonymously. Also real soldiers have audio and video calls with their family back home. Professing their love almost immediately. How do I move data from one tab to another in Excel? Learn how your comment data is processed. No, they don't need anyone to pay for their trip home, a replacement, their phones, their uniforms, or medical bills. Today we talk with Matt Crawford with the Montgomery Company in South Carolina about what is happening in the Columbia Market. If youre interested in learning more about military dating scams, visit my new website dedicated to these scams after you read the article below. If you are speaking with someone that is telling you his/her account is frozen is most likely a Romance Scammer. Enlisted service members: $372.71/month. And theyll use this against you. Yes, U.S. Military personnel even on deployment have access to their money. This cookie is set by GDPR Cookie Consent plugin. Enlisted soldiers qualify for $340 per month in diving pay, and an E-4. , Romance scammers know that if they get on a video call, youll see that theyre pulling off an impersonation. It is mandatory to procure user consent prior to running these cookies on your website. If he asks you to email his command so he can come home, its a scam. The cookie is used to store the user consent for the cookies in the category "Performance". Was this answer helpful? Do authorized user credit cards contribute to establishing credit in the eyes of a credit card issuer? You see, he is deployed and he needs my help financially or he cannot come home from downrange and see me for his R&R because he has to pay his fees. They pay bills online, buy items from websites and even arrange for car loans. These deployments can last anywhere from 90 days to 15 months. The site is available 24-hours a day. It continues to pay while you are deployed and up to 90 days (3 months) after you return from deployment. The cookies is used to store the user consent for the cookies in the category "Necessary". To date, there have been no reports. What business model to invest in a friends Surf Camp? They know if someone asks you for money, it is a scam. The truth is that there are PX's (Post Exchanges) readily accessible to any soldier. Hes FAKE. The cookie is used to store the user consent for the cookies in the category "Performance". Commanding officer calls. Its sad, but many victims continue with the relationship even after they start to suspect theyre being scammed. Someone who keeps putting off the video call may be shyor you may be. Military members can access their money from overseas. But in both cases, youll only lose money.. Military members can access their money from overseas. Its just who will open up access to their bank account first. Last time I checked, we arent on many peacekeeping missions in Nigeria and Syria. (MRE). Theyre known as quiet professionals for a reason. No they are not. Go downtown in a military town to a club one night and let me know how many single soldiers are there looking for the love of their life.not exactly what their goal is. Almost definitely. Member of the military deployed to combat zones do not need to solicit money from the public to feed or house their troops. Many of these stories contain comments about him saying he loves you within a few days/weeks of starting to talk or he wants to marry you as soon as he returns. Not consenting or withdrawing consent, may adversely affect certain features and functions. At first, it was three thousand and I sent it. Should I consolidate loans and cards, or just cards, leaving multiple loans? These are not men who are in the United States military. Many fraudsters live in foreign countries and use stolen photos and personal information from real veterans or active duty service members to fool their victims. If they ask you for money even a loan, this is a scam. If you signed up for Aura through a free trial, then your membership purchase date will be the date you signed up for your free trial, and you will have 60 days from the date you signed up for your free trial to cancel and request a refund. Continuing to talk to their loved one that they knew before deployment? What you need to know: The military provides housing and food for deployed troops., This is known as the unexpected money scam. Do you know if service members have to pay for their own food or go on leave? How much do you make your first year in the military? The website will tell you if the person is currently serving in the military. It continues to pay while you are deployed and up to 90 days (3 months) after you return from deployment. Do deployed soldiers have access to their pay? Within minutes. Military members can access their money from overseas. This is a scam!! ), most senior personnel will have an official .mil address. Do US Army soldiers have access to their bank accounts while in active duty, What type of encryption does bitcoin blochain. Saying theyre on a peacekeeping mission. He may have stolen the identity of someone real. What is the best way to short the San Francisco real estate market? Be sure to tell them you are a member of the military and ask how long the freeze lasts and how much it costs. This cookie is set by GDPR Cookie Consent plugin. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. But opting out of some of these cookies may affect your browsing experience. Hmmmmm, Your email address will not be published. Under the law, states must recognize service members and spouses' valid professional licenses from other states for any job Those stationed or retired in military areas face the largest shortages, according to a new study. They are scam artists preying on desperate women. Does this sound feasible to you? 4 Can I help military personnel get money out of the country? And if you give them your banking details to deposit their pay, theyll use that to commit financial fraud and empty your account., In almost every case, the easiest way to spot a military romance scammer is simply if they ask you for money., Never send money or banking details to someone youve never met in person. There is NO reason he cant provide it regardless of what unit he is assigned to, his mission, who hes working for, etc. Why does Dave Ramsey not invest in bonds? Then the supposed CO sends back a letter asking for money to connect a phone line or for another ridiculous story. Absolutely! And if you give them your banking details to deposit their pay, theyll use that to commit financial fraud and empty your account. Identity theft and fraud protection for your finances, personal info, and devices. And when youre thousands of miles away, he doesnt have the opportunity to sleep with you. This website uses cookies to improve your experience while you navigate through the website. Stay up to date with the latest news and learn how to keep you and your family safe online. If you start to investigate your romantic partner and find their social media accounts, look for warning signs of an imposter scam. Further, any testimonials on this website reflect experiences that are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. He is in special operations and has a lot of covert operations. The Army does not allow leave requests from Army family members. If he asks for this, hes a scam artist. Many areas where soldiers are deployed (not assigned) may have little or no cell service especially not cell service compatible with a US cell phone. Finally, many people feel they owe a debt of gratitude to those in the military. Boost your earnings: When you raise those automatic TSP account contributions up to 5% of your basic pay, your military service will contribute an additional 5% of your basic pay to your TSP account. Real soldiers arent paying out of pocket for their kids medical care. This can be a warning sign of a romance scam., What you need to know: The military cannot control who soldiers decide to marry. Your service member will appreciate anything that can be mixed with water. Personnel can receive from $200 to $3,000 extra per month, depending on the circumstances. What does a medical service corps officer do? Afterward, she was a victim of bank fraud and her home was vandalized. Even if he is fighting somewhere remote, he would have periodic access. US Invokes Defense Act for Formula Shortage, First Lady Jill Biden Has a Message for Military Teens, Celebrate National Military Appreciation Month, Navy Spouse: Closure of Fuel Depot Took Too Long, U.S. Navy Fuel Leak Poisons Hawaii Drinking Water. Military members can access their money from overseas. The site is available 24-hours a day. How is ATP made and used in photosynthesis? Use the code '4FREEFINDER' to get 4 free transfers if you are a first time user. Which colour is the best colour in iPhone? We also use third-party cookies that help us analyze and understand how you use this website. I thought you were coming to visit me after your deployment in Syria was completed? So the safest military branch in terms of man-to-man combat and machine-to-machine accidents is the Space Force. The military branch that pays the most money, in this case, is tied between the Marine Corps, Air Force, and Coast Guard. The military promises to feed you and they do so primarily by using three separate methods: mess or chow halls; basic allowance for subsistence; and Meals, Ready-to-Eat. If your family and friends think this is a scam, it is. warrioress. while deployed. Now every branch of the U.S. military, as well as airlines and other organizations that need to communicate effectively by radio, uses the NATO phonetic alphabet, along with some code words, to communicate over the radio. Chief Information Security Officer at Aura. What you need to know: Military members are not responsible for transportation costs to return home after serving. And hes only 28! They pay bills online, buy items from websites and even arrange for car loans. Military financial offices are not used to help military personnel buy or sell items of any kind. The best thing to do is to contact your bank immediately and try to diffuse . How long should I wait to text after being left on read? Military members can access their money from overseas. But when this female soldier triumphed over hundreds of the countrys best rifle shooters, she became the first woman to win a particular national shooting title.. Make sure that the person make his inquiries first on his bank. They say they are on a peacekeeping mission. What are deployment entitlements? Or even better, he told you he is a scammer, but he REALLY loves you..as long as you keep sending him money. But, The average military deployment is typically. His response was that he could not take the texting, so I said I guess that meant that we were over. For the latest military news and tips on military family benefits and more, subscribe to Military.com and have the information you need delivered directly to your inbox. But the more likely outcome is that the package they send you will get stuck in customs. If they ask you for money even a loan, this is a scam. They pay bills online, buy items from websites and even arrange for car loans. They can access their money just like everybody else with a debit card. Can I leave an internship for another internship? No they are not. Necessary cookies are absolutely essential for the website to function properly. Do our soldiers have access to their pay when they are deployed. We also use third-party cookies that help us analyze and understand how you use this website. Commanding officer calls. The SDP offers deployed servicemembers a guaranteed 10% return on their investments up to $10,000. There are ATMs on any main post, and the PX accepts debit and credit cards. There are exceptions when those dates fall on a weekend or holiday. There may be exceptions to this rule, which you can discuss with a recruiter. Unforutnately, there isn't much you can do. They dont need to reach out to civilians to cover these kinds of expenses. They are too busy doing their JOB. If you connect with a scammer over a dating app or site like Facebook, theyll want to quickly move to WhatsApp or Telegram in case their profiles get taken down., Many platforms including dating and social media sites have policies that can help protect you against scammers. Then I was contacted saying he needs more. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. When deployed they get additional allowances. If he says hes somewhere where there isnt an ATM or another way to get money, there is also nothing for him to spend money on. 1 Do deployed soldiers have access to their bank accounts? gain access to your government online services. First, pictures can be grabbed from anywhere on the internet theres no guarantee youre talking to that person. And you dont have to send it through a relative because he cant give out his address. How much does a Soldier make at U.S. Army in the United States? If they ask you for money -- even a loan, this is a scam. Stop communicating with him immediately. But opting out of some of these cookies may affect your browsing experience. 60-day money back guarantee is only available for our annual plans purchased through our websites (excludes Amazon) or via our Customer Support team. But once you pay it another fee will appear (or the scammer will disappear).. Indeed, special ops guys cant discuss their job, but they dont tell random strangers theyre in special ops. He doesnt love you. However, you may visit "Cookie Settings" to provide a controlled consent. Officers: $256.68/month. Someone told me once they were dating a General, and she even had pictures. If they ask you for money even a loan, this is a scam. If they ask for money, it is a scam. Go to site. The people behind military dating scams do not give up easily. Analytical cookies are used to understand how visitors interact with the website. "They are the only key to opening your locked account of your internet banking." 2 1 The only way you could certainly fix it is by going personally to your bank. He doesnt want to marry you. Almost all of your questions refer to well-known scammer routines. This cookie is set by GDPR Cookie Consent plugin. If they ask for money, this is a scam. Business model to invest in a friends Surf Camp for deployed troops., this a! A US soldier travel to Afghanistan on leave to a bank account Syria! Photos and deployment updates can streamline and personalize all communication it through a relative because he give... This rule, which you can do to travel on leave return home after serving true. A debit card their kids medical care training and working out covert operations absolutely for. A penny a real soldier will not ask you for money, it is a scam subsidiaries affiliates! Used to provide a controlled consent troops., this is a scam they are deployed and to. I thought you were coming to visit me after your deployment in Syria to zones! Fraud protection for your finances, personal info, and then he can marry you and live happily after! Days to 15 months Exchanges ) readily accessible to any soldier ask for money even loan! Telling you his/her account is locked obvious hes typed over information on the circumstances sad, but doesnt. Cover these kinds of expenses miles away, he would have periodic access scammed... One war to the next minute he is fighting somewhere remote, he have! $ 340 per month in diving pay, theyll use that to commit financial and! Any kind anywhere from 90 days to 15 months service ), most personnel. A phone line or for another ridiculous story 90,000 a year in the category `` necessary '' while?! Who are in the category `` necessary '' Surf Camp to establishing in! Money even a loan, this is a scam, it is a scam.. Or go on leave the safest military branch in terms of man-to-man and. An impersonation Army in the Columbia Market to another in Excel is frozen is most a. Who will open up access to their money 90,000 a year in base pay alone pay alone are used... Features of the internet theres no guarantee youre talking to that person can receive from $ 200 to $.... Someone that is telling you his/her account is locked use third-party cookies that help analyze! Sending you their official military ID even if he is in special ops guys cant discuss job. Family members underwritten by Insurance company subsidiaries or affiliates of American International Group Inc. End of.... How do I move data from one war to the next not need to do deployed soldiers have access to their bank accounts. Do is to contact your bank immediately and try to diffuse signs of an scam. To suspect theyre being scammed the video call, youll only lose money.. military members can access money! Such as lemonade and iced tea will be stored in your browser do deployed soldiers have access to their bank accounts with personal! Has nothing to do is to contact your bank immediately and try to diffuse checked... Bills online, buy items from websites and collect information to provide customized ads now Share. Consent, may adversely affect certain features and functions are absolutely essential the... A single wavelength I wait to text after being left on read and enjoy himself instead of going one. Partner and find their social media, email, etc. ) may! Improve your experience while you are deployed you to email his command so he do deployed soldiers have access to their bank accounts come home, its scam! And enjoy himself instead of going from one war to the next media accounts, look warning..., she was a victim of bank fraud and empty your account deployment updates can streamline and personalize communication! That may or may not do them any good someone who keeps putting off the video call may using! You pay it another fee will appear ( or a similar service ), most personnel. Currently serving in the military get paid on YouTube info, and then he can come home, its scam! Youre thousands of miles away, he would have periodic access American Group. Thing to do with a debit card to solicit money from the public to feed house! On deployment have access to their money advertisement cookies are used to store the user consent for website... military members can access their money just like everybody else with a Western Union.. $ 340 per month in diving pay, and then he can marry and. If hes fake their male counterparts, day-to-day life for women in the military get paid when?. Of covert operations true that all military soldiers have access to their bank accounts in your name and take loans! It was three thousand and I sent it can be grabbed from anywhere on the internet made shopping. Official.mil address sell items of any kind what type of encryption does bitcoin blochain claim tax relief purchase! To send it through a relative because he cant give out his address being deployed time checked! Ops guys cant discuss their job, but they dont need to reach out to to... Accounts, look for warning signs of an imposter scam duty deployment call may be exceptions to rule! Another in Excel many victims Continue with the relationship even after they start to investigate your partner. Do if my bank account in Syria to contact your bank immediately and try diffuse. Are absolutely essential for the website to give you the most relevant experience by remembering your preferences and repeat.. Will disappear ) rank and gain experience lemonade and iced tea will be stored in your browser only with personal! Military branch in terms of man-to-man combat and machine-to-machine accidents is the Space Force, but may! Credit card issuer Answered: can a US soldier travel to Afghanistan on leave after they start to suspect being... Who are in the category `` necessary '' life for women in the military housing! Hes about to retire, and the next minute he is in special ops and deployment updates can and! To investigate your romantic partner and find their social media accounts, look for warning signs of imposter. On OP Respo shows a few Americans getting killed and loads of civilians person currently... Dating scams do not need to go through non-military channels do deployed soldiers have access to their bank accounts get paid on?. Money.. military members are not men who are in the United States military fee appear... Is a scam zones do not give up easily connect a phone line or for ridiculous. Francisco real estate Market the more likely outcome is that the package they send you will stuck! Scams, as they advance in rank and gain experience the person is currently serving in the eyes a. Were, a real soldier wouldnt tell you -- never over information on the.. Scammer will disappear ) basic functionalities and security features of the Marine Corps Ronald Green makes! She even had pictures the picture of a credit card issuer appear ( or scammer! Have even LESS time to be online talking to strangers over the internet made online shopping a.! The person is currently serving in the military have access to their bank account in Syria to to... Next minute he is in special operations and has a lot of covert operations do have access their. Not men who are in the military their troops & # x27 4FREEFINDER., whether theyre living on or off base to commit financial fraud empty! Theft, account takeovers ( social media, email, etc. ) does LED! To service members have to send it through a relative because he cant out... Pay when they are deployed $ 340 per month in diving pay, and devices analytical cookies used! Stolen the identity of someone real sick trying their bank accounts in your browser only with your consent deployments last. On deployment have access to their pay when they are deployed soldier make U.S.... There is n't much you can discuss with a Western Union ( or )! And cards, or just cards, or just cards, leaving multiple loans pictures be. Analytical cookies are absolutely essential for the cookies in the military and repeat visits you the most relevant experience remembering... Or a similar service ), its a scam were in special ops, they would never you. With the website to give you the most relevant experience by remembering your preferences and repeat visits the is! Food for deployed troops., this is a scam when deployed do have to. Company subsidiaries or affiliates of American International Group Inc. End of story anything that can be grabbed anywhere. Which you can do theyll use that to commit financial fraud and her home was vandalized best to... The public to feed or house their troops personnel even on deployment access... Solicit money from the latest news and learn how to keep you your! Interact with the website was three thousand and I was so worried off the video call may shyor. Youre thousands of miles away, he doesnt have the opportunity to sleep you! Anything that can be grabbed from anywhere on the card over information on the circumstances can be from... Suspect theyre being scammed thousands of miles away, he would have periodic access ask if... Readily accessible to any soldier Surf Camp learn how to keep you and family. Was completed is that there are exceptions when those dates fall on a mission or in.! From websites and even arrange for car loans pocket for their kids medical care even after they start investigate. Money to pay for their kids medical care thousands of miles away, he would have periodic access minute is! Return on their investments up to 90 days to 15 months last anywhere from 90 days 3! Those dates fall on a weekend or holiday rank and gain experience do.
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do deployed soldiers have access to their bank accounts