What REALLY grinds your gears?

[Monkeydad]

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

[los panda]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

bank with usaa if you can, they refund atm fees.

[MTK]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

Yeah the debit charge is nothing new in the industry. Always run it as a credit.

[CRedskinsRule]

Originally Posted by Monkeydad

New gear grinder...

Now I've been seeing a $1.00 charge anytime you your PIN on the debit card.

I have always processed purchases as credit instead of debit, but a month or so ago I asked for cash back and ran it as debit. I saw a $1.00 "PIN use fee" deducted from my account. A few weeks later, I used an ATM for cash. I always use M&T Bank's ATMs because they have no surcharges, even if you don't have an account with them and are everywhere around here. Again, that "PIN use fee" despite my use of a fee-free ATM.

I used to always use the "free" ATMs and cash back at registers to get cash without paying a fee. Now, the only way for me to get access to my own cash without paying a fee is going to be writing a check out to cash or making a withdrawl at my credit union at the counter, both inconvenient.

I've always used my bank card as credit when swiping, so the only time I get nailed with this is when getting cash. My wife went to the grocery store and swiped the card as a debit card...got nailed with the $1.00 fee again! I've made sure she knows not to do that again.

Thieves! For ATMs with a fee, you're going to get nailed twice on the same transaction. Double-dipping on a single transactions should be illegal, even if it's two different institutions.

One reason I love USAA. They have limited ATM's so instead they just credit you once a month for any ATM fees you incur, up to $15 a month. That's like 5 ATM uses, and I rarely use more than two or three at the most in a month. Basically, I just never worry about the fee if I have to use an ATM for some reason.

Oh and I never choose debit at a register/gas pump. And never understand why anybody would.

[los panda]

Originally Posted by CRedskinsRule

One reason I love USAA. They have limited ATM's so instead they just credit you once a month for any ATM fees you incur, up to $15 a month. That's like 5 ATM uses, and I rarely use more than two or three at the most in a month. Basically, I just never worry about the fee if I have to use an ATM for some reason.

Oh and I never choose debit at a register/gas pump. And never understand why anybody would.

usaa is the tops. have you used their home value calculator/estimator tool?

i just got the usaa mobile app and deposited my first check via mobile. before this app, i had to use my scanner, but at least that was an option. navy federal doesn't offer online check deposit on their website - only on their mobile app, weird.

[CRedskinsRule]

Originally Posted by los panda

usaa is the tops. have you used their home value calculator/estimator tool?

i just got the usaa mobile app and deposited my first check via mobile. before this app, i had to use my scanner, but at least that was an option. navy federal doesn't offer online check deposit on their website - only on their mobile app, weird.

I haven't used the home value calculator or mobile check deposit, but online deposit is cool, plus you can go to any UPS store and they do the deposit too.

Great company all around.