For banking operations, no collateral is required. Money can be returned with a chargeback operation.
Moreover, the owner's account data are known to the bank in full.
But thank you.
What this have to do with what ThatRandom8543 previously said?
You want a loan from here, offer something valuable as collateral. There is no other way to get money from here.
If you don't want a loan, then move your thread from the Lending section of the forum OR lock it (the best choise) and try elsewhere.