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are there any banks that will decline debit card purchases rather than overdraft you?

I know BoA will rape you with those fees.

Go into the bank, bitch and moan, tell them you're closing your account and opening them up with a competitor, and you will get them removed.
 
Originally posted by: BigJ
I know BoA will rape you with those fees.

Go into the bank, bitch and moan, tell them you're closing your account and opening them up with a competitor, and you will get them removed.
Click to expand...

gf already did that. one supervisor said they would remove one of two.

few hours later, after a cash deposit to cover some things that are expected to post tomorrow morning, calls again and another says they won't remove any of them. so the account is getting closed tomorrow.

this is wells fargo.
 
Originally posted by: ElFenix
Originally posted by: BigJ
I know BoA will rape you with those fees.

Go into the bank, bitch and moan, tell them you're closing your account and opening them up with a competitor, and you will get them removed.
Click to expand...

gf already did that. one supervisor said they would remove one of two.

few hours later, after a cash deposit to cover some things that are expected to post tomorrow morning, calls again and another says they won't remove any of them. so the account is getting closed tomorrow.

this is wells fargo.
Click to expand...

yeah, Wells Fargo's fee ($33 IIRC) is a b!tch. I've been hit with it twice. The first time I went into the bank and talked them into removing it, the second time I called the general help/customer service number and said the store f'ed up, they removed it right away.
 
My bank (well, one of them) has overdraft protection. Basically you have to have a savings account with them as well and in the event you overdraw your checking account (could be a check or debit, etc) they'll transfer money automatically.
 
My US Bank checking has overdraft protection - the extra goes onto the CC. In addition, I get hit with a fee, usually ~10% of the overdraft (min of $5).
 
Originally posted by: NutBucket
My bank (well, one of them) has overdraft protection. Basically you have to have a savings account with them as well and in the event you overdraw your checking account (could be a check or debit, etc) they'll transfer money automatically.
Click to expand...

Some banks will let you use a savings account for this, but others (Like Wells Fargo, my bank) require you to open a credit line with them for it. That's what I've done, haven't needed it, but I accidentally dinked in a $15 fee or something for going over by 85 cents from a week old but never posted to the account purchase at a Wendy's.

If you go in and complain they'll typically bend over and remove the charges, but some wont.
 
I'm not sure it's a good idea to link your savings to your debit card like that. If your debit card gets stolen someone could wipe you out before you knew it. At least if they aren't linked they may only clean out your checking account.
 
With my bank, checks and debit cards can put you up to $12.50 in the hole before flagging as declined. Checks bounce after negative 12.50 in your account, and the debit cards come up as declined.
 
Many debit cards are not working off of live systems. For instance, the system in place in the credit union that I work for updates debit card balances three times a day (9AM, 3PM and 7PM). So, during those periods, you are denied/authorized charges based upon the last balance sent to our processor. This causes problems when other items clear your account between balance updates. The charge you made was authorized because you had sufficient funds at the last balance update. Once a charge is authorized by us, we MUST pay the debit when it is presented to us at a later date. That is why you see what appears to be the bank overdrawing your account. After you swipe your card at the point of sale and recieve authorization, the decision is not up to the bank to pay or decline a transaction when it is presented to them. The financial institution has guaranteed the merchant that you had sufficient funds to make the purchase, and they must honor that.
 
Originally posted by: ElFenix
getting slapped with a $30 overdraft because of a $2 latte really blows.
Click to expand...

No sh1t! I had a $20 overcharge fee on my CC... i didn't know you could overcharge on that!
 
I think at my bank (RBC) it is a live update, but once i move to hamilton, i am closing that account, becuz there fees are huge.
 
BoA already raped me once. i got b!tchslapped with a $25 overdraft even i deposited money on the same day. 🙁
 
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