From being in the game a long time, I know a lot of guys have reservations about using ATM’s in strip clubs mainly because of the fees. For me this has never been an issue. I have a bank account where all out-of-network ATM operator fees are reimbursed to me. Whether the ATM charges a fee of $5 or $40 (like at Deja Vu), the fee is reimbursed to me within one or two days. Essentially, I can withdraw money from my checking account for free. This works out well for me because typically I am working my ass off during the hours when banks are actually open for business.
Does anyone else have this benefit? How common is this with banks?
For what it’s worth, I have a high-tier Preferred Rewards account with Bank of America. At the end of the year, I get an annual benefits statement. The last few years, they have listed that I saved between $200 to $400 in ATM fees per year.
I don't trust strip club ATMs any more than I trust opening a tab with my CC at one. This is never. I will drive around lost for an hour looking for an ATM before I give up and use the ATM at the club.
I have the same benefit, but I rarely use it. I'm a cheap bastard, especially when it comes to nickel and dime fees like ATM surcharges, but I never really avoided the ATM in a strip club for that reason. I don't like strip club ATM's mostly cause I don't want the location stamp on my statement. And I usually come prepared, but on rare occasions where an opportunity comes up and I feel like indulging, the 10-20 bucks in fees aren't going to be the dealbreaker.
What pisses me off are how many strip clubs have ATM’s that are capped at $200 per transaction/swipe. I would guess half are set at this amount. Years into inflation, I am seeing a lot of strip clubs charging $50, $40, or 3/$100 private dances. So basically, you may only be able to get four to six private dances per swipe at the ATM. A thirty minute VIP room at most clubs will require at least two swipes. Strip clubs need to start employing ATM’s with higher withdrawal limits or bring down the price of private dances and VIP rooms.
I have an account that also reimburses me for any atm fees which was nice after getting fleeced at Vivide a few months back. But I’ve hit the atm in way less than 1% of SC visits.
Aside from the fees, I think the idea is if you are going to a strip club ATM you likely are about to spend more money than you intended. For ITC expenses this is almost always a bad idea, and for OTC you can hit an outside ATM
My bank reimburses up to 5 out of network atm fees per month. The main reason I don't use club atms is that I always make sure I have as much cash as I am willing to spend for the evening with me before I go as a way to control my spending. I usually withdraw someone where around $700-1000 before heading to a club and 9 times out of 10 I end up either depositing some of it back or just sticking it in a drawer for next time. I rarely carry more than $20 in cash unless I am clubbing, gambling or going out for a nice dinner where I know I'llbe tipping more than that.
I've never encountered a ATM in the ATL I'd use. The ATM at my fav club staff will warn you not to use it. My boss is a Tattletales regular and says the ATM there is the worst he's ever seen. The fees are nuts, you get random charges. And just having your card in the strip club is unwise you never know who's running a scam.
My old bank did the reimbursement route and I lived it-new bank, not so much. Went to a few clubs in old quebec years ago and was worried about the atm fees and withdrawals- totally forgot about the exchange rate and came home to see my $20 LD actually only cost $14. I could have stayed for a few more hours if I had thought of it.
I make sure I have the cash I'm wiling to spend before I hit a strip club. Cash Only If I decide I run for political office I do not want historical digital foot prints: The FUCKING ASS DEM MACHINE DOJ looked at ATM withdrawals from DC a week before 6Jan, and targeted them. Including someone I know as as my GOP Caucus Leader who was THE FUCK PROSECIUTED as she was at the Capital and was prosecuted as she didn't enter via a METAL FUCKING SCANNER! $100K plus 6 months home lock down, and fucking ass-wipe illegals crimes get NO FUCKIG BAIL, plus ILLEGALS are allowed to vote VA? FUCKING AH
And the Dems call Trump Fascits? He was POTUS for 4 years.
For all you married guys: ATM withdrawals leave a trace. In my state 3 years of bank records must be exchanged within 45 days of the filing of a divorce. One of my client came in with his records and in 30 seconds I noticed a huge stripper and cocaine problem. How did I know? I knew the fake name of the strip club atm and no one takes out $100, 3 times every Friday and Saturday night, from an ATM on drug dealer street, unless they are buying cocaine 3 times a night. Idiot.
Read what skibum wrote about the paper trail of strippers and coke. With whatever it is you're into, trying asking yourself how the things you do might look like to other people.
^Thats an interesting point there. Maybe ATMs at the club isn’t a good idea, but in the age of Bitcoin ATMs and marijuana dispensaries that require cash, I figured many could get away with plausible excuses?
I got charged a $6 ATM fee at a fucking Exxon station the other day. My bank refunded it, but I won't go there again for ATM or even to buy gas. There's hundreds of gas stations and ATMs around so fuck 'em. I appreciate my bank picking up the fee, and don't want to abuse it by going to rip-off joints.
Between the fees and the low withdrawal limits, strip club ATMs are a PITA. I can count on one hand the number of times I've used one in the last 20 years, usually just to top off if I'm having an expensive night and I'm about to make a large purchase.
My withdrawal limit is high enough on my debit card that I can amply load up at a regular ATM before going to the club.
"Why do strip club ATMs have those low limits? Seems the opposite of what you'd expect."
If the club ATM is charging high fees, there is incentive for lower withdrawal limits because whoever operates it gets even more in fees when someone is doing two or three transactions instead of one.
As much as I don't like walking into a club with a lot of cash, I'd rather have the cash I need going in, even if I were reimbursed for any club ATM fees. My reasons are:
1. I don't necessarily trust a strip club ATM. I don't know where that thing has been. :)
2. I don't want to encounter withdrawal limits.
3. I don't want to risk that there could be a glitch in the network that prevents a withdrawal when I need it.
4. I assume most strip club ATMs probably can't dispense $100 bills, which is my preferred denomination for clubs. I'm just guessing on this one, though...
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But the most important thing is to just bring enough cash that you can afford spending
I stick with cash now .
Ally: up to 10$
I use the Schwab account for trips out of the country.
And the Dems call Trump Fascits? He was POTUS for 4 years.
Darwin’s law in effect
My withdrawal limit is high enough on my debit card that I can amply load up at a regular ATM before going to the club.
If the club ATM is charging high fees, there is incentive for lower withdrawal limits because whoever operates it gets even more in fees when someone is doing two or three transactions instead of one.
1. I don't necessarily trust a strip club ATM. I don't know where that thing has been. :)
2. I don't want to encounter withdrawal limits.
3. I don't want to risk that there could be a glitch in the network that prevents a withdrawal when I need it.
4. I assume most strip club ATMs probably can't dispense $100 bills, which is my preferred denomination for clubs. I'm just guessing on this one, though...