Bank of America Platium Debit Card

[drgeoffrey]

If nothing else, it's a cooler looking card than my boring old check card.

 

[Aar0n]

thanks for the tip... signed up now.

 

[Almighty1]

Originally posted by: Crank
I *think* he's talking about the BofA Prima account - it's their version of a money market savings account. You have to have a minimum combined balance (over ALL BofA accounts) of $10K (NOT $100K) in order to avoid paying the monthly fee for the account.

You're right that Prima is $10k. The Master Relationship Account is the one where you need a minimum of $10,000 to open and then the first 6 months, must maintain a $25,000 minimum and then after 6 months, it must be $100k or else they will charge you account fees. The MRA is offered by BancAmerica Securities and kinda of like a Investment management account where you can invest as well as earn Money market interest on uninvested interest, safe deposit box and the works. I think pretty much everyone has a Gold Check Card since I only keep $2 in my checking account and $800 in my savings account while over $500k with various investment firms. For $100k, they better give us the Visa Signature card. I mean seriously, having $5k with them is a joke with the low interest when you can just open a investment account elsewhere and still get the same benefits.

 

[drgeoffrey]

Thank you for your e-mail reply.

This product is not offered on checking accounts in the States of Washington, Idaho or Oregon. When you applied online, the cookie on your computer must have been set to provide you with product information for another State outside the Northwest. Please go to bankofamerica.com and under the 'Sign In To' menu on the left, please check the 'Account
in:' or 'Sign in for a state other than' State abbreviation. Please change the State to Washington.

Thank you very much and we apologize for the confusion.

Sincerely,

Todd

Bank of America

 

[JPSJPS]

All you "pretend to be experts" who claim that there is a difference between Visa Credit and Debit card fraud protection need to read this link:
Link to Visa Zero Liability page
You are completely wrong!
John

 

[Dragnov]

BofA has been great for me. I got some blank checks stolen when my apartment was broken into and one was cashed for $330. I called them up and they credited me back the money INSTANTLY, and then sent me a form to fill out that I just mailed back. Canceled all my checks (for free) and ordered some new ones. Thats the last I ever heard of regarding that matter.

Uhh, and regarding htat post wher eyou ned $10,000 or something? I'm a college student, I have $1000 in my bank account, I can check my balance online, and I have a Platinum check card. I'm not co-signed under my parents or anything.

 

[Almighty1]

Who was the one who posted the cards had fees? I have a Bank of America California Alpha Checking account, BofA doesn't seem to offer this anymore but it's carries some benefits of the Prima at $12.00 month regardless of balance and I guess it offers the 3 free Official checks per month. I just went to the BofA main website and nowhere does it say what the fees are for the Gold or Platinum check card. Since I think the type of check card you get is always free but depends on what level of account you have with them. Like the original BofA, not NationalBank, Classic Visa Checkcard was given to all levels of checking except for Prima which was Gold. Now Gold seems to have replaced the Classic and Prima gets Platinum.

 

[randypj]

JPSJPS--

As a "know it all wannabe", please to give some elucidation:

1. Who are the posters that claim there is a difference in fraud protection?

2. From your link: "The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.

For transactions on other networks, the liability decision is left to the financial institution that issued your card. The Issuer has the option of extending the same protections afforded by Visa's Zero Liability policy."

3. Quoted from Clark Howard link: "Lastly, don?t ever use these cards to pay for something that will be delivered later, or for bigger purchases. If you don?t receive the merchandise, your money is gone. You have no rights. As long as you understand how it works, use it as normal. But know that there is risk involved."

Possibly you need to discuss this with Clark Howard.

Hopefully, the edification that you are providing, will not result in people forgetting that they may very well not have the same "rights of dispute" as they are afforded by true credit cards.
--Randy

 

[Crank]

You know, whether they offer the same protection or not, I'd rather risk the credit card company's money than my own. Sure, the institution SHOULD work just as hard to get YOUR money back as they would their own, but depending on who's on the job, they might or might not....
If some of you like using a bank card because you don't like the whole idea of credit, then get a CC from your bank and set it up to have the balance paid automatically each month.
Or, if you have online bill pay, charge the amount to a regular CC, then pay that balance the same day (If you're THAT afraid of debt!), I don't know, just my $.02

 

[JPSJPS]

Originally posted by: randypj
JPSJPS--

As a "know it all wannabe", please to give some elucidation:

1. Who are the posters that claim there is a difference in fraud protection?
randyj - You need to learn to read
2. From your link: "The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.
Huh - So what does this have to do with the subject of VISA online fraud protection? That statement applies to BOTH Credit and Debit cards
For transactions on other networks, the liability decision is left to the financial institution that issued your card. The Issuer has the option of extending the same protections afforded by Visa's Zero Liability policy."
Huh - So what does this have to do with the subject of VISA online fraud protection? That statement applies to BOTH Credit and Debit cards
3. Quoted from Clark Howard link: "Lastly, don?t ever use these cards to pay for something that will be delivered later, or for bigger purchases. If you don?t receive the merchandise, your money is gone. You have no rights. As long as you understand how it works, use it as normal. But know that there is risk involved."

Possibly you need to discuss this with Clark Howard.
Again you are confused and need to learn to read. Clark Howard does NOT set the policy for VISA. He is WRONG!
If you believe everything you read by "experts" like Clark Howard, someone is gonna sell you a bridge!
Hopefully, the edification that you are providing, will not result in people forgetting that they may very well not have the same "rights of dispute" as they are afforded by true credit cards.
VISA provided the education but you need to know how to read to learn.
Obviously that leaves you out in the cold!
--Randy

John

 

[randypj]

JPSJPS--Oh yee of questionable intelligence.....

1. Who are the posters that claim there is a difference in fraud protection?
randyj - You need to learn to read

I thought that question might force you to actually read the posts, rather than just come back with a pitiful response.

2. From your link: "The only transactions not covered under the Zero Liability policy are commercial card, ATM, and non-Visa-branded PIN transactions.
Huh - So what does this have to do with the subject of VISA online fraud protection? That statement applies to BOTH Credit and Debit cards
For transactions on other networks, the liability decision is left to the financial institution that issued your card. The Issuer has the option of extending the same protections afforded by Visa's Zero Liability policy."
Huh - So what does this have to do with the subject of VISA online fraud protection? That statement applies to BOTH Credit and Debit cards

DOH.......I had hoped that you would attempt to explain this in some detail. Hey, if you don't understand it, that's fine. At least admit it. I'm not speaking only of online fraud protection, and neither were you in your post. Please to explain ATM, non-Visa-branded PIN transactions, and transactions on other networks.....if it's not outside your capability.

Again you are confused and need to learn to read. Clark Howard does NOT set the policy for VISA. He is WRONG!
If you believe everything you read by "experts" like Clark Howard, someone is gonna sell you a bridge!

Hehehe.......again, please to inform him that you know more than he does on the subject. I would think you would want to tell him that he is "misinforming" millions of listeners and readers. Just because he's yo' Daddy, doesn't mean I agree with everything he says. In fact, I often find him to be rather pedestrian for my taste.

Please to consider your reply this time, rather than just type insipid remarks.
--Randy

 

[Baked]

I had this card for a bit, then I realize you can make more money putting money in other investments, so I emptied my bofa account. I don't even use my debit/check card anyway. It's almost always Costco/AMEX for me.







You know better.

What, are you bored?



esquared
Anandtech Forum Director

 

[lothar]

I had this card for a bit, then I realize you can make more money putting money in other investments, so I emptied my bofa account. I don't even use my debit/check card anyway. It's almost always Costco/AMEX for me.

Shoo, shoo, go back to the grave.