Posts by rapidskipper12

Not gonna happen... JPMorgan Chase bumped up those withdrawal limits a few months back to $17... I think it was even as high as 1.6. It’s right there in the post above, too...

Gone are the days of finding an ATM with $17... It's over. Just wire it to your $17 account and pull out a hundred. 😉

This happened to me at Zabiti. They swallowed my cash, blocked everything, and sent some canned message saying the transaction couldn't be processed. Just as the bank was closing up, the staff manually filed a formal dispute stating I’d deposited x amount in bills (can't remember the denominations now). I signed the paperwork, and by noon the next day, the money was sitting in my account.

Ever since I switched to a dynamic billing cycle, my transactions haven't even touched my account.

Don't go over $367. Once you hit that limit, the system automatically cuts off your overdraft and installment plan options.

That's just wrong. JPMorgan Chase ATMs credit your account immediately, regardless of whether it's a Sunday or some random holiday... Just hit up an ATM tomorrow and deposit it...

Look, there's no way the bank can just reach into your account and pull money out without you signing off on it. Since the transfer is already cleared and posted, they’re basically powerless at this point. Your only move is to sit tight and wait for someone from the bank to actually do their job and contact you about the error. Until then, good luck. 😉

That’s about accident coverage... Kind of like having roadside assistance...

That’s never happened to me... What are you even doing with those cards? Washing them? 😉

That strip is just for the signature. It doesn't need to be a mile long just for you to have somewhere to sign.

We’re clearly talking past each other here... Just switch the fan to dynamic so you aren't stuck paying an extra $60 every single year... 😉

How is that not obvious? You said you’re paying like 7 or 8 bills online every month. They charge a buck or two per transaction $0.67. I pull in roughly $5.00/month, which adds up to about $60 a year (15 x 12 months).

Power of attorney is free. Here’s the breakdown:

Hmm, $20 x 12 months = $240

Monthly fees for the primary and secondary Mastercard $83
Monthly fees for the primary and secondary Mastercard $100
7-8 accounts per month = $60
Totaling $243
My advice: Switch the Zira Bank logo to dynamic, then you get 15 accounts a month for free (saves you $60 annually, and the price stays the same). If you're planning on ditching one Mastercard, the Zira Bank logo isn't worth it. You'll just end up paying $3.75 in account fees ($3.00 per account + $0.67 for power of attorney = $44 a year).

Nothing much, it just auto-renews every six months

Not even worth a comment...

If there’s enough cash in your account for the autopay, it goes through. If you're broke, they'll try hitting you again tomorrow and the day after, then they'll hit you with a late fee for the failed transaction $3.25.

Got everything back except the bonus, though honestly, who cares about that? 😉

Yeah, clearly some kind of glitch. My balance was sitting at negative $333 through May 31st, but now it’s back to zero and the app claims it expired on March 31st...

Call authorization and ask them to manually unblock the card...

Lawrence Wright7 said:Quick question about these automatic transfers...?

So, here’s the deal: I have an overdraft limit. This means if there isn't enough cash in my account when an automatic payment hits—say, my rent or utility bill—I just slide right into the red. First, I hit the authorized overdraft, then I drift straight into unauthorized territory. My big concern is, once I hit that unauthorized stage, they freeze my whole account, right? And what happens then? The debt just sits there on that same account because I can't even close it! It’s like being trapped in a loop where the interest and fees just keep piling up and up, and there's absolutely no way out. I’m stuck paying for everything... what the hell am I supposed to do?
The only thing I’m wondering is if I can just open a new checking account at a different bank to get my paycheck deposited? Even though I haven't technically fixed the mess yet, I'm terrified they'll just seize this one too any second now.
At least, for the moment, I'm staying on top of my payments.

If you have an overdraft option but aren't using it... shut it off. Also, if there isn't enough cash for a standing order, it won't just process and put you in the red; they'll just send you a notice saying it failed. A standing order can't force a user into an unauthorized overdraft!