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i8godzilla wrote:

Zylo_X wrote:

i8godzilla wrote:I bet if you lost your card or it became compromised, folks would be mad at their bank if there were no limits on the card and the account was wiped clean. Most accounts have limits on daily transactions associated with debit cards. These limits are always disclosed when the account is established and any changes are included in the 'junk' than comes in the mail. If I want to exceed my limits at BofA, I can walk into any branch and use my debit card with ID at any teller and the walk out with my money. Most institutions will allow you to change the daily limits if you ask. Seems some are upset because the bank is living up to the agreements they and the customer have agreed upon.

I am fully aware of the terms and conditions of use, and would gladly be responsible for any fault due to my actions. However, going into the branch for a transaction was not an option 'after hours', and I had already jumped through their 'security hoops' by calling in prior to attempting to use my card to access my money. The aggravation is that we get held to account, but they don't, and they can't even give you a straight answer. Just like politicians.

How so? You and the bank agreed to the Terms and Conditions and from what I read those T&Cs were enforced. While I will no way defend the actions (or lack of) by the customer service representative you talked to, the bank did honor their agreement to you. If someone is concerned about exceeding the daily limits of a debit card, using a check on a checking account normally does not effect the daily spending limits of a debit card. I can empathize with your frustration, however, I do not see that the bank is at any fault.

I hope you have the chance to finish any shopping you may have left and that you and yours have a very Merry Christmas.

The "How so?" is that I followed their 'security procedure' and they still ate my card, and I had no further recourse. Fortunately I always have a Plan B, but others might not be so fortunate. I did not try to go over the limit, I did not object to the security call in, and I followed their instructions, but they're so incompetent that I was told to go back (50 miles) on Monday to pickup a card that I was also told was destroyed. Just another example of being 'too big to care, not too big to fail'.

A Blessed and Merry Christmas to All.

i8godzilla wrote:I bet if you lost your card or it became compromised, folks would be mad at their bank if there were no limits on the card and the account was wiped clean. Most accounts have limits on daily transactions associated with debit cards. These limits are always disclosed when the account is established and any changes are included in the 'junk' than comes in the mail. If I want to exceed my limits at BofA, I can walk into any branch and use my debit card with ID at any teller and the walk out with my money. Most institutions will allow you to change the daily limits if you ask. Seems some are upset because the bank is living up to the agreements they and the customer have agreed upon.

I am fully aware of the terms and conditions of use, and would gladly be responsible for any fault due to my actions. However, going into the branch for a transaction was not an option 'after hours', and I had already jumped through their 'security hoops' by calling in prior to attempting to use my card to access my money. The aggravation is that we get held to account, but they don't, and they can't even give you a straight answer. Just like politicians.

Well try this one on for size... Several months ago, I made 2 maximum ATM withdrawals on 2 consecutive days in preparation for the Frisco Gun Show. On the way to Frisco from FW, I stopped at another ATM. When I tried to make the withdrawal, I got the 'security notice' to call BoA. In the car, on the cell, I jumped through the hoops and was told to wait 20 minutes to use the card, so I continued on the way to Frisco. I'm not that familiar with the area, so I guess I was in Frisco (or darn close) and saw another branch. As my driver side window wasn't working at the time, I swiped my card to access the doors to the walk-up ATM in the foyer. When I stuck my card in the ATM it ate it. On the phone with Customer supposed-Service, they could not explain why, but said that I could get the card back on Monday when the branch was open. I said I wasn't going to Frisco from FW to retrieve a card they should not have captured, and that if I was going to a branch for anything it would be to close my accounts. On Monday morning I went to my local branch and explained what happened to the rep, she said that the card was destroyed in the ATM and I could not have gotten it back anyway. She thought I wanted a replacement card, and seemed surprised when I told her that I was closing my accounts of over 20 years. Suffice to say, on Monday morning I became a satisfied customer at Chase.