REAL LAUGHS • REAL EXPERIENCES • REAL INVESTIGATIONS

WIT DAT BULL CHIT™

Let’s not take their word for it. Let’s find out together!

Good. You’re here. Look at this chit. We bring the facts, the receipts, the context—and a healthy amount of questionable humor. You bring your curiosity. You decide what to think.

Enter the Investigation Read Our Promise

The Original Billy Original Billy mascot sitting on the toilet with Wit Dat Bull Chit branding

This is Billy. Curious. Confused. Occasionally full of Bull Chit. He’s digging through the evidence right alongside you.

MISSION: Navigating the Bull Chit Together.

FEATURED INVESTIGATION

The investigation itself becomes the show.

Our check-cashing investigation is underway across the banking industry: what do banks charge to cash checks drawn on their own accounts, why, and what happens to the people receiving those checks?

CASE OPEN · Check-cashing investigation

Who’s Taking a Cut of Your Check?

A bank customer writes the check. The bank already holds the customer’s funds. The payee walks into that same bank with the bank’s own check—and gets charged for cashing it.

The Claim Fees compensate the bank for the cost and risk of providing the service.

The Question How are fees set, and how do published policies compare with what happens at the counter?

The Evidence Fourteen bank policies, regulator records, court cases and documented experiences. Wells Fargo is our first case.

The Verdict No verdict yet. We don’t know where the evidence will take us.

The latest chapter → Start with the receipts → Compare 14 banks →

Billy Variant: Detective Detective Billy, the investigation variant of the Wit Dat Bull Chit mascot

Follow the Evidence

LATEST CHAPTER · WELLS FARGO

The Case of the
Missing Email.

What does the $10 pay for?

We sent a formal information request. As of October 6, 2026, we had received no response, acknowledgment or referral.

The question remains open. So does the invitation to answer.

Open the case file →

A case can rest. The evidence can still wake it up.

CASE OPEN

Questions are active. We’re gathering documents, experiences and answers.

UNDER REVIEW

We’re checking what the evidence supports, what conflicts, and what is still missing.

AT REST

Our current findings are published. New evidence can bring the investigation back into motion.

Case status describes the work. A verdict describes what the evidence justifies.

THE VERDICT GETS ITS OWN BILLY

Conclusions are earned. Billy reacts accordingly.

These are evidence-based ratings, not a substitute for the record. Read what we found, see what we could not establish, and make up your own damn mind.

HELL YEAH!

The claim held up. The evidence is strong. Big Billy approval.

LEGIT

Solid result. Makes a strong case and does what it says.

IT’S ALRIGHT

Not bad. Not amazing. Some claims land better than others.

QUESTIONABLE

Something doesn’t add up. Slow down and look closer.

BULL CHIT!

The claim didn’t survive the evidence. Receipts beat hype. Keep dat chit.

No rating is permanent. If better evidence changes the answer, we change the answer—and show you why.

THE BULL CHIT SCORECARD™

We score the evidence—not the hype.

1. CLAIM What exactly are they promising?

2. EVIDENCE What supports the claim?

3. TEST Can we independently test it?

4. RESULT What did we actually find?

5. VALUE Does the result justify the price?

6. VERDICT What does the evidence actually justify?

OUR PROMISE TO YOU

We’re not here to tell you what to think.

We don’t sell conclusions. We supply ammunition for YOUR thought. Facts. Receipts. Context. Questions. Then we get out of your way.

We publish what we actually find—whether it supports our expectations, contradicts them, or lands in the messy middle. We’re never so attached to finding Bull Chit that we stop being excited to discover something is legit.

We investigate practices, not people. “We don’t know yet” is a perfectly legitimate answer while the evidence is still being gathered.

And yes—sometimes WE’RE the ones full of Bull Chit. When that happens, we better roast ourselves just as hard.

“The objective isn’t to win the argument. The objective is to deserve the audience’s trust.”

FOLLOW THE NEXT CHAPTER

Join the Bull Chit List.

The documents. The developments. The answers when they arrive. And the occasional “Well… chit.” Follow the investigation as it unfolds.