Nat'l Banks with ATM SC Trip friendly withdrawal limits

I was a member of Wachovia which got taken over by Wells Fargo and I'm currently a Wells custy - Wachovia had a default daily limit of $300, at some point I increased it to $1k daily limit but don't recall if I went to $1k while it as still Wachovia or when it became Wells - all I had to do is send them an email

$300 daily limit is not enough for a hardcore PL - I assume that most major banks have a default daily limit but I assume it can be increased at any time by just asking

I never use an ATM, most all of my bills are paid online, and CCs work everyplace I go. I usually cash a check for a Thousand or so and I generally only use cash at strip clubs or casinos or very small purchases I have never had a problem or run out of cash, ever. I generally have about one hundred to one fifty in smaller bills and the rest I keep as a stash hidden in another pocket, if I need to, I break a hundred before I head into a club, its that simple folks.

I bank with Bank of America. I don't know what the ATM limit is, but I've taken out $600.

Haha great topic. Somehow on my ATM account you can change your daily withdrawal limit. Mine is only $200. My best friend and I have ours set that low so we don't do stupid things. In the past we both had different banks but figured out the limit resets at midnight. We would go to an ATM at 11:55pm, withdrawal $200 then wait until a few minutes after midnight and withdrawal $200 again.

Side note - anyone like me? I either have $1,000 on me or $0 - nothing in between. I've been using my credit card for daily purchases even $2 ones. I can better track my spending, I get reward points, and I'm better protected than using a debit card.

If only strippers took credit cards

@papi same banking history as you! Around ATL many of the Wells Fargo ATMs have started giving out 50s if you choose. I like having fewer bills to carry around, but I've had several strippers and other SWs tell me they don't like getting 50s or 100s. I guess the larger bills come under more scrutiny when they're spent?

Actually, my play money all flows through accounts in another bank, and those accounts have my monger email, phone number, and a work address as the main address (just in case they decide to mail something). But, that bank has ATMs that only give 20s, and not as many convenient locations, so I still end up using Wells Fargo ATMs and paying the small fee (very small % when making large withdrawals, and small price to pay to avoid extra driving in ATL traffic)

@shailynn yeah, I'm like you. If I have a big night planned, I'll build up about $1k cash stash. It will stay with me til I spend it all. Rest of time I may have $20 bucks on me. Use plastic or phone apps for everything else.

I used to have a $500 limit at Chase. Before a big trip a few years back I realized that would be too low and asked them to up it and they changed it to $1000. At a credit union I use they have a $500 and they aren't able to up it for anyone.

Generally if I go on a trip I'll just drop in person and take $2000-$3000 out in advance. If you take out $10,000 cash or more, I believe they have to fill out some paper work.

I have a couple checking accounts, bit with major banks, and both banks allow me to adjust the daily withdrawal limits to suit my needs.

I don't know my daily limit, but I did withdrawal $600 from an ATM one time without issue.

On a related note, my bank will reimburse ATM fees from other banks and does not charge a fee for any ATM. One time I was in a bind and used the ATM at the club. A $10 fee to withdrawal a max if $100. Holy shit, no way that's covered I thought. Then at the end of the month I saw a reimbursement of the $10 fee on my bank statement!

I had one month where I was reimbursed $50 in ATM fees! I don't do that anymore though. I control myself and plan ahead.

I had to up my daily limit to $1k b/c every now and then I'd go on a SC binge where I would do a couple if SC visits in one day dayshift and nightshift combined

Wells Fargo has updated their ATMs where now they ask if you want $20s, $50s, or a combo of both.

I prefer small bills and will actually hoard $5s and $10 since I mostly hit $5/$10 dance clubs, and at times I'll just use the bank's teller and get about $100 in $5s and $10s and the rest in $20s.

Prior to the Wells ATM upgrade some of them would spit out $50s w/o telling you if the withdrawal amount was $300+ and it would piss me off b/c $50s are harder to use in $5 and $10 dance spots - one time I used a different Wells ATM and it spit out $50s w/o telling me and I assumed I'd gotten all $20$ (didn't count it) - I went to the club and after a couple of dances noticed my stash was low and that is when I noticed I had $50s and had been overpaying with them thinking they were $20s - f'ing ay

@Papi_Chulo, my bank is keybank and they have a $300 limit. I asked a couple times to raise it but the answer was no, with no clarification other than the "computer won't let them." Good tip though, it might help others.

@twentyfive, that's a good idea for keeping spending money on your person. I like it. I typically pull out $300 cash once a month for groceries, then another $100 2 weeks later for more fresh items. The grocery stores I go to, in order to keep prices low, don't accept CCs -- only cash or personal checks. I don't have a credit card though I only have a debit card and an ATM card. When I used to spend more ITC, I would make out a check to "Payable to CASH" can pull out $500 or so, two $100s and the rest in twenties, fives, and singles. Now I just hit the ATM for $240 and plan to spend $140. I try to keep as much money in the bank as possible so I don't overdraft the account for my bill pay. I still, sadly, live paycheck to paycheck. I have also stayed out of the clubs since last Sept, so that helps.

@jackslash, I figured other banks had higher limits. Thanks for confirming.

@shailynn, more like $200 or $0 on me. But otherwise the same applies. I hope to get a reward card like that at some point. I feel like a sucker for not having one or not having the credit to get one.

@dougster, for my last trip in 2013 I had Amex green, which was some sort of no-present spending limit. I didn't do airlines but it was a driving trip from OH to FL. Prior to that, for business trips, I had to use a combination of a $200 CC limit and a debit card, and keep moving funds twice a day to keep up with hotel and rental car charges. It was tedious and stressful.

That's part of the problem with my current job is that I can't travel really easily without CC and I don't have a passport on top of it. So my boss needs to cover for me and I know it grates on him, since it means more travel and more work and more family stress for him. Ugh. Sometime I feel like a failure at these adult responsibilities. One of the countries my company does business a lot is Germany so I'm missing out of FKK, so that should be my incentive.

@ houjack, that's totally awesome that your bank reimbursed that!

@Che, I try to do that now, after Edward Snowden, I realized how much digital information I was handing to keybank everytime I used the card. Plus I don't have a rewards card. I do try to use my HSA debit card or transfer funds online through HSA account to pay doctor or clinic bills. I also have learned to ask for the "cash discount price" everywhere I do, including the clinic, and I also ask anywhere else I spend cash.


Thanks everyone! I do find all of your financial advise invaluable.

You could just give your stripper your ATM card and your PIN number.

:)

SJG

You could take your girl into the bank branch with you, and with draw the money.

For me, it was my stripper who told me how to go across the street to the bank, and how to get money out of them, even though I had no account papers with me. Everything she said was perfect. She was a bank withdrawal expert.

SJG

And this was a girl who had said, "I don't kiss", who was demonstrably reversing herself, and doing it very nicely too.

SJG

Martinism
https://www.youtube.com/watch?v=_KPILj0x…

If I hadn't of been married, I'd of been walking up with that girl the next morning, and then continuing to see her regularly.

SJG

The original reason why money was invented was for handing it to women.

SJG

I get around the limits by simply making a CWD at the bank or credit union counter prior to road trip or club visit. Also have more than one ATM card, for decreasing the likelihood of being "out of network." It seems that 2, maybe 3 times per year is when financial institutions do a bunch of computer shit to their systems. Naturally, the favored time to do this is late Sat night/early Sunday morning. The very time that peak club visiting hours are.

@Che- I'm curious just who you think "TPTB" are ? I have some sort of idea, just curious who you'd name. Basically folks that are extremely (obscenely) wealthy, occupy the C suite in top corporations, or hold key governmental positions. (Mainly those having a hand on the purse strings.)

I asked my bank to up my daily limit and they did. The only reason I've ever really needed that limit was to gamble and/or avoid carrying large amounts. Now that I have lines of credit at a few casinos I don't even need that.

I used to be all cash like Che. Then I realized I was throwing away money by not using credit cards. 2-5% discount on pretty much everything I buy. As long as you can pay the cards off each month it's a no-brainer imo.

Thank you, @Che. :)

As a side note, some of these men sound like rent seeking a-holes. Or the inverted representation of the 'crab mentality' found in ghettos (as if reflected about the origin, to borrow the mathematical term).

@Che, do these TPTB, take care of their own? Or is it more of a law of the jungle philosophy?

I think I screwed up that analogy, sorry. Now I am curious about that book.