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Home › Society › Economy › Banking, Insurance & Loans › ATM issues/locations?

ATM issues/locations?

Started by restlesscobra6 · · 👁 8 views · 124 replies

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Participants restlesscobra6Joshua Anderson11silentowl7Karen Reed3George Barrett35rapidorca10mistycyclist51Ronald AllenKimberly Nguyenwanderingharbor61Joseph BishopGeorge PhillipsDana JacksonMaria Nelson12Steven ReedThomas Gonzalez32Mark Wilson66Terry HowardRobert Williams2Joshua FloresAdam Williams10Matthew Ruiz2lonetiger52steelrider16 …
Ronald Allen Ronald Allen Active Member
160 messages
joined Oct 2010
#41 ·
Timothy Garcia28 said:Anyone know why the Chase ATMs in downtown Chicago have been down for a few days? Tried hitting up an ATM from another bank instead, but it just keeps spitting back "transaction declined." What gives?

Maybe they're out of cash, or maybe it's just some server glitch. Honestly, you should probably just call their customer service line. The number should be right there on the machine.😉
Scott Johnson45 Scott Johnson45 Member
42 messages
joined Jul 2004
#42 ·
So, I was wondering, do you actually have enough cash sitting in your account right now?
Gerald Palmer66 Gerald Palmer66 Active Member
73 messages
joined Dec 2012
#43 ·
Scott Johnson45 said:So, I was wondering, do you actually have enough cash sitting in your account right now?

I suspect it might be more likely that JPMorgan Chase ends up running out of cash themselves, 🤣
given everything they've been dealing with lately. 😁
Nicholas Turner Nicholas Turner Active Member
125 messages
joined Oct 2010
#44 ·
JPMorgan Chase is actually the only one in the USA with a capital adequacy ratio north of 20%—so we’re looking at zero issues there! 🙂 Just follow the advice from Ronald Allen and everything will turn out just fine.
Timothy Garcia28 Timothy Garcia28 Newcomer
2 messages
joined Dec 2009
#45 ·
Ronald Allen said:Maybe they're out of cash, or maybe it's just some server glitch. Honestly, you should probably just call their customer service line. The number should be right there on the machine.😉

Timothy Garcia28 said:Anyone know why the Chase ATMs in downtown Chicago have been down for a few days? Tried hitting up an ATM from another bank instead, but it just keeps spitting back "transaction declined." What gives?

The money is definitely there—it's not just me. And get this: their customer service keeps claiming everything is working perfectly.
steellynx67 steellynx67 Newcomer
7 messages
joined Feb 2010
#46 ·
I'm trying to figure out which ATM is actually the best deal if I want to grab some cash and there isn't a Chase ATM nearby.
thanks
Kimberly Nguyen Kimberly Nguyen Regular
543 messages
joined Jul 2009
#47 ·
I don't get it... what exactly do you mean by which one is the best or the cheapest?
Arthur Kim74 Arthur Kim74 Active Member
91 messages
joined Jun 2010
#48 ·
I think I understood what he meant about finding the lowest withdrawal fees, specifically when you're using a Split card to grab some cash from an ATM at Chase or Citibank...
Some banks charge around $33 $3.25 in fees, while others tend to be quite a bit higher than that...
steellynx67 steellynx67 Newcomer
7 messages
joined Feb 2010
#49 ·
Yeah, that’s what I was thinking. It's Sunday, after all... ☕
Does anyone actually know what the transaction fees look like right now? I'm trying to figure out where it makes the most sense to withdraw from. I'm looking to pull out some larger amounts, maybe around $667..
Thanks
silentowl9 silentowl9 Newcomer
8 messages
joined Feb 2010
#50 ·
http://www.citibank.com/Personal/...6/Default.aspx

If you check the fees on the bank's site, specifically section 6.8...
Using an Electron card at any other ATM, you're looking at a 2% minimum $8.25 (unless you're on those Balance or Prestige plans), and if you're using a deferred card, it's 3.5% minimum. $12
Richard Wright22 Richard Wright22 Member
16 messages
joined Jun 2011
#51 ·
steellynx67 said:I'm trying to figure out which ATM is actually the best deal if I want to grab some cash and there isn't a Chase ATM nearby.
thanks

Look, those out-of-network fees depend entirely on your own bank. They're the ones setting the rules and charging you the extra bucks!
steellynx67 steellynx67 Newcomer
7 messages
joined Feb 2010
#52 ·
Alright, thanks a ton for the heads-up..
Cheers 👍
George Wright19 George Wright19 Newcomer
2 messages
joined Feb 2010
#53 ·
How much extra is going to get shaved off my account if I hit an ATM from, say, Chase or Citibank, when my actual checking account and card are through Bank of America?
Jose Diaz3 Jose Diaz3 Member
28 messages
joined Feb 2010
#54 ·
I'd say about 10% of the total.
George Wright19 George Wright19 Newcomer
2 messages
joined Feb 2010
#55 ·
Whew, that’s quite a lot to take in. How certain are you about all this? I mean—is anyone else in the loop?
Bryan Jones82 Bryan Jones82 Member
29 messages
joined Dec 2015
#56 ·
It’s just 2%, but those minimum fees are $6.75
Terry Howard Terry Howard Active Member
87 messages
joined Oct 2007
#57 ·
It really just comes down to which bank you’re dealing with.
Check the fee schedule on your specific bank's website—the one where you actually hold your account—and you'll see exactly what they're charging.
David Jackson4 David Jackson4 Member
26 messages
joined Mar 2010
#58 ·
It’s about 0.3% of the total transaction, though I guess they probably have some tiny minimum fee, maybe like $3.25.
$6.75 is basically just the standard minimum charge if you're doing something like a cash advance on a credit card.
Scott Johnson45 Scott Johnson45 Member
42 messages
joined Jul 2004
#59 ·
The bottom line here is simple—just try to steer clear of other people's ATMs, no matter what kind of card you're carrying 🙂

Here’s a look at the Bank of America fee schedule:
Cash withdrawals

Using Bank of America ATMs

completely free of charge

At any other ATM within the US (unless it's a Bank of America machine)

it'll cost you 2%, with a minimum of $6.75 per transaction

For student account holders using PayPal networks at non-Bank of America ATMs within the US

$0.67 per transaction

If you happen to be using an ATM abroad

you're looking at 3%, with a minimum of $8.25 per transaction

And if you need to find a specific location, here is the list of ATMs...
Matthew Jackson49 Matthew Jackson49 Newcomer
8 messages
joined Nov 2012
#60 ·
I’m using a Chase Maestro card... what’s my daily cash withdrawal limit? Can I pull out everything in my account, or is there a cap on how much I can take out at once?
So far, I’ve withdrawn $1000 without any issues, but since I have a lot more in there now, I wanted to check the limits. I’m working this afternoon, so the branches will be closed by then—should I just head down to a local branch first thing in the morning instead?

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