goldenmaker32 said:The ATM isn't going to let you withdraw anything with a card like that if it can't verify your account balance. 🤷
Where's that coming from? Why on earth would an ATM or some random bank have access to my account details? Besides, legally, they aren't even allowed to touch that stuff.
It’s pretty straightforward—if you don't have the funds, you aren't getting them out. The ATM or the bank doesn't care about your account balance. It's just like trying to buy something on eBay with an empty checking account; the transaction simply won't go through.
Card issuers and banks have these backend services—whatever you want to call them—that handle everything. You punch in your PIN and the amount you want, and at that exact moment, the ATM or the bank pings someone like MasterCard x. If MasterCard x says no, you get a declined message. If they approve it, you get your cash and that's that.
Douglas Roberts49, you might know—can I actually use a different shipping address for my card or mail than the one on my PayPal profile?