ChumpChange's Blog

KYC, AML

Best Practices for Anti-Money Laundering Compliance 2019 – 2020 - American Gaming Commission
https://www.americangaming.org/wp-content/uploads/2019/12/AGA-AML-Best-Practices_12-9.pdf

Best Practices for Anti-Money Laundering Compliance 2025 - American Gaming Commission
https://www.americangaming.org/wp-content/uploads/2025/09/AGA-Anti-Money-Laundering-Best-Practices-2025.pdf

Information Sharing Between Government Agencies and Financial Institutions — Section 314(a) of the USA PATRIOT Act
https://www.fdic.gov/news/financial-institution-letters/2023/fil23040e.pdf

Why Your Bank Account Quietly Became a FedNow Account - July 2023
https://www.youtube.com/watch?v=5xVjzUlOivA
MoneyPass ATM's may not work. Cash may be obsolete by 2030.

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BREAKING: 86 Million Americans Lost Access to Their Money! - Mike the Credit Guy
https://www.youtube.com/watch?v=nx9KjSrSiOc

Banks Are Suffering Big Outages: Millions Of Accounts Wiped Out - Epic Economist
https://www.youtube.com/watch?v=o9wJpMsqZzI

FED BAILOUT Triggered as Bank Reserves Crash to 5-Year Low - ITM TRADING, INC.
https://www.youtube.com/watch?v=g5H7KB6_8Fw

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What banks won't say about cash deposits over $5,000
https://www.msn.com/en-us/money/personalfinance/what-banks-won-t-say-about-cash-deposits-over-5-000/ar-AA1RoAf7?ocid=winp1taskbar&cvid=8ebd23fa6d33442b9477cbbf3cf0dc98&ei=48

440 spins on VP for 100 slot points

Went to the casino and there was some mention that getting 100 slot points qualifies the player to a U-Spin for a food points comp good for that day. I won $5 on it which barely covers a $3 tip on a $20 fish fry & fries. But I was playing craps and my comps today were measly compared to my last trip recently. So how good is this U-Spin? It sucks, you can win $5, $10, $15 or $25 in food comps, or win nothing, or even lose $1. Imagine that, losing a $1 on a U-Spin. It didn't seem to be worth the effort to win 100 points, and my tier points are only going up about 1/4.5X as fast as my rewards points. If I earn $9 in rewards points, I may only get 200 tier points, which I don't understand.

So I asked at the slot club how much money you have to gamble to win 100 slot points. I was told $400 on regular slots, $550 on the Video Poker/Keno/VBJ machines, and e-Roulette gives no points and can't play points.

So I'm trying to figure out how many spins at $1.25 of VP is $550 and it's 440 spins. So I'm starting off my night of the home game and after 315 spins, I'm down $100 or 25%. That is so much more than any food credit I would get. But if I wait around until 440 spins, maybe a quads will show up and improve my RTP. 17 hands later I hit quad Queens on Double Double Bonus VP and it brought my session loss to -$38.75, or a 90% RTP. I'm averaging 10 hands a minute, so it's been 33 minutes so far, I should budget 45 minutes for this exercise.

After 440 hands, I was down $57.50, or about another quads win. I was down 10.45% for the session, and I had 4 to a Royal Flush that was only a Flush.

I'm not sure if the U-Spin requires 100 tier points or rewards points. But in my 3 hours at the $5 craps table I only got 120 tier points, which was equal to about 540 rewards points. I'm going to guess that it's Rewards points that qualifies for the spin. I was grandfathered-in at the $5 table when it went to $10. I was told if I can eat and return in 20 minutes, I can still play at the $5 level. I spent 80 minutes eating. There was a football game on the big screens and I heard the National Anthem and was astonished by the shrieking of the singer. I stuck around for the first touchdown. I went to the cage to change a $20 into two $10's to shore up my buy-in allotments. The craps table was empty but returned to $5 status. I decided to come home and see if I can drive for 80 minutes without a nap this time since I was hopped up on 5 Cherry Cokes and not quite exhausted from the day and savoring a winning day.

I'm getting awful comps on Spanish 21. Years ago at another casino I could count on a free bet in comps for 4 hours of play of Black Jack. At this Caesars's casino I've visited, it's more like 15 hours for 1 free bet in comps. I'm trying to figure the math. The internet says you can expect 1.5X your regular bet in Tier points per hour. So if I bet $10 and multiply by 1.5, it'd be 15 tier points. I'm noticing a 4.5 multiplier of Tier points added to my Rewards Points. So 15 TPs times a 4.5X multiplier is 67 Rewards Points or $0.67 per hour. Multiply $0.67 by 15 hours to get to $10 in comps. To get to 100 Rewards points for the dinner comp U-Spin, I'd need 3 hours at a $5 table and 1.5 hours at a $10 table. That I only got 88 Tier Points after 6 hours on the Spanish 21 table tells me something completely different unrelated to Tier points.

I can buy gasoline at a local fill-up station with Rewards Points. Use 10,000 points and get a $50 fill-up. If I have three 5 hour sessions per week and it takes $50 to fill the tank each week, I'll need 10,000 Rewards Points to fill it up. I'd need to be betting $100/hand for 15 hours to get a $50 fill-up.

Update: Because of my progressions on the Pass Line approaching $50, the casino sent me a mailer with $50 Match Plays for December, instead of $5, $10, or $15 Match Plays. Winning a few of those could pay off some gas debt.

Long losing streaks blamed

Casinos controlling wins with RTP changes & players card? - Storytime Slots - Nov 1, 2025



Was I playing slot machines wrong this whole time? - Fun Casino challenge - Storytime Slots - Oct 21, 2025
(Play until a Bonus hits then go on to the next machine.)



Is casino free play rigged & a total scam? My results will SHOCK YOU! - Storytime Slots - Nov 10, 2025



Ex Casino Employees REVEAL How Player Cards Secretly Make You Lose More - Jackpot Secrets - Nov 17, 2025

Videos at Jackpot Scope

Ex Casino Employees EXPOSE 9 Slot Machines You Should NEVER Play - Jackpot Scope - Oct 22, 2025


Several machines analyzed like never before. I like Panda Magic though I've never played it. It's #8 on the list and starts at 24:35.
This is just the first video I've ran across on their channel. I'll be going back for more.

ATM - Unable to process transaction

Why Is My Debit Card Declined When I Have Money on It?
https://www.privacy.com/blog/why-is-my-debit-card-declined-when-i-have-money

Just saw a complaint on IG that the bank suspended all her payments because she was getting monthly payments from Only Fans.

There's massive flooding in PA/NY/NJ/NYC so maybe the system is down.

It was suspicious activity. I just needed to change my PIN.
Even with my card cleared of obstructions, it still won't work in an ATM a second time. Gonna have to buy some Fluff and PS5 games.
Clerks at 7-11 take no responsibility for ATM's and have nothing to say about them except to call the number on the ATM name plate if I get ripped off.
It's looking like a silent administrative hold on ATM transactions for me.
The bank card announced they are closing a year from now, so there may be a run on the bank and they may have shut off ATM access a month later, if this ain't just about me.
In other news, Rite Aid only gave less than a month of notice that they were not going to honor their gift cards because they were going bankrupt. Blink and miss it.