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ATM where you live


Alpo

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How much money can you get from one?

 

They got two types of ATMs. They have ones that are connected to my bank somehow. I shall refer to those as in circuit. And then we have the others that are not connected to my bank. Out of circuit.

 

The in circuit machine will give me $400 a day. I've never tried this so I don't know if that's $400 in a 24-hour period or $400 in a physical day. I suppose I could go to one at 11:00 at night and take out 400, and then go back to it at 12:15 in the morning and see if it would give me another $400.

 

The out-of-circuit machines let me have 300. I got 300 from a machine in a grocery store in Wisconsin what I was at Fandango, and I have two or three times gotten 300 from the machine at a Publix in Georgia.

 

But in fiction they get lots of money. And I'm curious as to whether that's just because it's fiction or because they do it different in other parts of the country.

 

They had one book where they flew from Philadelphia to Pensacola, and then he went to the ATM and withdrew $1,000.

 

There was a TV show where the girl was getting ready to leave town so she drove to several different ATMs and took the max amount from each one, and had $2,500 in her purse.

 

I suppose I could go to an out of circuit machine and get 300, then go to another out of circuit machine and get another 300, and do that until I had a bunch of money. But I don't know if they would do that.

 

But anyway. How much money will your ATM let you have?

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The bank lets me set the limit on what I can withdraw per calendar day.  There is also a small buffer that I can use in emergencies allowing me to overdraft for a short period of time.

 

As far as I can tell, my bank interacts with all the different ATM networks.

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The maximum here in my area is $750. a day

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1 hour ago, Marshal Mo Hare, SASS #45984 said:

Not the ATM, but my bank. 500/day but 200 at a time, if I want 500, I must do 200, 200, 100.

 

soon changing banks.

What?

 

 If you have $100,000 OF YOUR OWN MONEY in your checking account they only let you take 500 of that out per day? In 3 smaller increments?

 

Wow.

 

:angry:

 

As to the original question I've never tested mine nor remember seeing anything in the fine print but I believe I've taken $600 out without issue from the atm at once.

 

The ATM at my bank used to only distribute 20s but they've recently changed to some kind of touch screen configuration that allows us to choose our denominations for the withdrawals all the way up to $100 bills.

 

 

 

 

Edited by Dantankerous
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2 hours ago, Smokin Gator SASS #29736 said:

I think you have options to setup with your bank on atm widrawl limits. They may initially set up standard limits until you ask them. Not sure about limits away from your bank atms.

This ^^^^

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I ran into the $400 limit at an ATM inside the big Tulsa gun show. It was that machine with the limit. I called my bank about it as I needed more to buy the Garand I wanted. They told me to find any bank with an ATM and I withdrew what I needed without a hitch. 

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When I traveled for work - I had a perfect storm of issue occur one time.

Normally, the corporate office would setup air travel, hotel, rental car etc.

 

We had an issue where an emergency occurred and all these things had to be handled by myself and a number of them via cash and debit card 

My bank wanted to limit my ATM withdraws to $500/ day and debit card purchases to $1000/ day ("for my protection") - but I needed much more than that.

I changed all of my settings to unlimited disbursement and have kept them there ever since - I do have to update this setting every year.

I get a text every time a withdraw or charge is made on my account to watch for fraud.

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There are actually limits at both the ATM and from the bank. My bank limits me to $500 cash from an ATM, and limits me to $3000 in purchases without an approval phone call. The machines around here all limit transactions to $300 causing you to take several withdrawals. At now $4.25 from the ATM per transaction, they’re making some dough. I go to my Bank ATM, its free.

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16 hours ago, Dantankerous said:

What?

 

 If you have $100,000 OF YOUR OWN MONEY in your checking account they only let you take 500 of that out per day? In 3 smaller increments?

 

Wow.

 

:angry:

The limitation is only at ATMs. There are other means of withdrawal that work better.

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10 hours ago, Tennessee Trapper Tom said:

There are actually limits at both the ATM and from the bank. My bank limits me to $500 cash from an ATM, and limits me to $3000 in purchases without an approval phone call. The machines around here all limit transactions to $300 causing you to take several withdrawals. At now $4.25 from the ATM per transaction, they’re making some dough. I go to my Bank ATM, its free.

I do my banking with USAA, which doesn’t have branches. The withdrawal fee is always refunded to my account in a day or so. 
Some other large banks are starting to do the same, but I’ve no idea who they are. 

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I believe most limits are set by the institution. 

Here's another tip.

If you're  traveling out of your normal stomp'in grounds let your bank know where your headed. I've had my debit card shut down because they thought it was fraud. It took a few hours to get it straightened out.

Edited by T.K.
Fat fingers
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Anybody who has $100k in their checking account... needs some financial counseling.

Checking accounts are FAR easier to hack than are savings accounts.
$100k earns nothing by just sitting there... put it to work unless held aside for some big purchase or project.

 

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