ALERT If you don't have one already, GET A DEBIT CARD ASAP
- Thread starter Dennis Olson
- Start date
Meemur
Voice on the Prairie / FJB!
I can't speak for "all banks" but my credit union furloughed close to half of the tellers and several loan officers. The drive-thru is only open six hours per day, M - F. It is possible to make an appointment to meet with a loan officer if buying a house or car but a note on the website says they are booked two weeks out. I keep only the money I need to pay bills in the bank, so I won't be out that much if they close. I would be upset if I had a large savings account with them.
China Connection
TB Fanatic
Um if you have a credit card plus a saving card and things like a pension or wages go into your saving card but you make use of your credit card make sure you have arranged a least a minimum repayment into your credit card from your saving card on a monthly basis.
DragonBurrow
Contributing Member
Please read the terms on these cards carefully. Depending on how they are set up you may not be able to pay all of your bills with prepaid debit cards. I know for credit cards there are only a handful set up as a bank account behind the card allowing payments on “other debit” such as credit cards. Most are set up as a credit card voiding some options.
Also new rules are starting to trickle down about paying mortgage or rent payments via credit card. I will do a separate post once all the details are in hand.
DragonBurrow
Contributing Member
Credit card disputes are regulated to be resolved within 90 days. Many banking institutions will take the full time allowed.
My wife and I went to Walmart for groceries late one night in Missoula after my flight was delayed getting in. It was around 1 am. We had a buggy full, got up to the check out, no one checking out, self check only. I asked the lady what the heck?
She said, oh I will help you.
Yep, darn right you will, or you can go put this stuff back. In fact I ain’t touching it, until it’s bagged and I have my receipt because I don’t work here. If I got to do then you give me a 10% discount.
She checked it, bagged it, and I left. Never been to Walmart since.
Melodi
Disaster Cat
Most Irish businesses stopped accepting cash a number of weeks ago as a "safety" measure and suddenly, after banks saying for several years that bank "transfers" (which was the older way people did this sort of things when paying for a lot of stuff like the milkman) are suddenly not only "possible" but encouraged.
That and bankcards of pre-paid debit cards are pretty much the only way to pay right now - some stores still do accept cash but most have signs saying cards are preferred and others simply can't/won't take cash at all.
That and bankcards of pre-paid debit cards are pretty much the only way to pay right now - some stores still do accept cash but most have signs saying cards are preferred and others simply can't/won't take cash at all.
I have my land payment coming out as a direct draft from my bank account.
I also have it set up where I can pay ahead or on the principle at any time through my online account.
I seen this coming long before the Corona Scaredemic. We have three different Credit Union Accounts all are shared branch Co-ops.
I can go into one here In Utah or in Montana or any state and move money from the one we have in AK to the one in Utah or vice versa.
That way if my debit card becomes compromised at one I have back up. And if for some reason we have a terror act, flights get grounded, and I get stuck in AK for a while no biggie, I can grab my spare pickup in AK and head to the cabin until it blows over.
Above all things folks you got to think ahead of these idiots running the country. Don’t ever get to comfortable. Diversify with money, living situations, skills, food, etc etc. Always have a back up plan to your back up plan.
stormie
Veteran Member
I still carry a couple of checks with me. A few years ago I was in the check out at the grocery store when suddenly all the registers stopped working. We all stood in line waiting a while for them to come back up. When it appeared that wasn't happening any time soon the managers told us the only people they could check out were those with cash or check. I happened to have a check with me so I was able to pay and get out with my groceries. That may not be how it works now, but I'll keep being the dinosaur carrying checks.
What’s your point? If you have xxxx in your account, and you have access to xxxx dollars to buy things, your “money” (however you choose to define it) wasn’t “lost.” And if you’re one of those for whom only gold and silver is “money”, and if you have xxxx in a bank account, isn’t that blatant hypocrisy? Because you can’t “spend” gold and silver. You have to convert it first. That’s the exact equivalent of being “given a debit card.”
Hell, you can load the app sitting at the traffic light.
In order to make proper use of it though, you have to get the "physical card". Yes, there is a "Cash App Debit Mastercard" (I think it's MC; might be Visa.) In order to get the card you have to connect a bank account to Cash App, then request a physical card from the app. Once it arrives (about a week), you can then load that card through the app. It's just another debit card at that point.
In order to make proper use of it though, you have to get the "physical card". Yes, there is a "Cash App Debit Mastercard" (I think it's MC; might be Visa.) In order to get the card you have to connect a bank account to Cash App, then request a physical card from the app. Once it arrives (about a week), you can then load that card through the app. It's just another debit card at that point.
Warthog
Black Out
Sure can, it will allow you to bypass your PIN.
Usually you have to enter the billing ZIP code however.
Tristan
Has No Life - Lives on TB
Banks do it as a 'courtesy' to their clients; when things get into a tight spot, guess where 'courtesy' goes?
Out the window.
Yup, saw that and ordered the card.
The app is the app. You can load it onto a replacement device if you lose it. If you lose the card, you can shut it off via the app in 5 seconds.
naturallysweet
Has No Life - Lives on TB
for those of you who won't do credit cards and are afraid of using your debit card. Your bank will open for you a second bank account just to use for debit card purchases.I would advise you to find a bank with low to no service fees if you're going to do this.
"Cash App" is that exact thing, but app-based.
rob0126
Veteran Member
Credit Unions usually are free. I would use 2 accts. One for fund storage and the other for regular debit card. Most have apps now so you can bounce funds back and forth between accts.
Right. Until you do. Then don't come bitching and whining about it here.
YOU WERE WARNED.
YOU WERE WARNED.
SageRock
Veteran Member
Someone put the bug in your ear on this? Special info from a special friend?
Trivium Pursuit
Has No Life - Lives on TB
Just now had to provide exact change or plastic for Whataburger, San Antonio, Tx.
That's the trick. They know that the average person on the street -- even if they do have some cash on them -- will not have exact change. For example, I have $20 on me right now. If I went for coffee and it was $3.18 I would be forced to use a card.
West
Senior
Ha! I usually have at least a buck fifty in change.
But granted, never have been average,
.I d
So I guess that means asking for that personal loan is out of the question????
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Today, first time, King Soopers (aka Kroger), asked for card payment or they'd round it up to next dollar for cash......huh.......raised a little stink and paid with cash and coin ......I know about the cashless thing to come asap......but until they won't back down I'll use cash as I choose and card when they don't demand it........the times comes when no man can buy or sell w/o the damnable mark
Samuel Adams
Has No Life - Lives on TB
Whether or not, the writing is on the wall.
If you’re an establishment junkie, best just get signed up.
What is the nature of prepping? Two is one and one is none. If you have no “backup” for cash, and cash stops being accepted for some period of time, yer fooked laddie. It’s really just that simple.
You choose.
You choose.
There is a simple app for your cell phone that will detect bluetooth gas pump skimmers. I use it every time I get gas.
True, and that is the reason a lot of places are now requesting contactless payment via card or phone.
Disney opened today in Florida and signs are posted saying a lot of places there will not accept cash.
Cash will be another casualty of Covid. The gateway disease that will change societal norms in the US.
By the way in today's world cards are also going away and phones are becoming more and more popular. As big brother goes further and further, you may one day be required to have a phone with all your personal info on it and like in China have to use it to buy almost everything. You lose your phone you are screwed. You can't buy transportation or anything. Also you have to carry your phone around so it can spy on you.
Coming to FUSA after the election if Trump doesn't win.
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True, and that is the reason a lot of places are now requesting contactless payment via card or phone.
Disney opened today in Florida and signs are posted saying a lot of places there will not accept cash because of Covid.
Covid will eventually be called the gateway disease because it will usher in major societal changes.
By the way in today's world cards are also going away and phones are becoming more and more popular. As big brother goes further and further, you may one day be required to have a phone with all your personal info on it and like in China have to use it to buy almost everything. You lose your phone you are screwed. You can't buy transportation or anything. Also you have to carry your phone around so it can spy on you.
Coming to FUSA after the election if Trump doesn't win.
biere
Veteran Member
You can get plastic cards at walmart and elsewhere that you load with cash. I dislike using the debit card attached to my bank account cause it can get hacked. Heck, it has been hacked and never ever used before.
Bluebird or something like that for walmart card and there are others.
Paypal offers a credit card of some sort, never looked into it but I get emails now and then cause I use paypal sometimes.
If you get a 2nd bank account set up you could use its debit card perhaps. Even discover will do online banking and everything for you and you can transfer money into its account for use and keep your main account safe.
Personally if this really gets some traction I would abuse em with exact change for a while cause I got coffee cans of coins I keep meaning to take in.
Bluebird or something like that for walmart card and there are others.
Paypal offers a credit card of some sort, never looked into it but I get emails now and then cause I use paypal sometimes.
If you get a 2nd bank account set up you could use its debit card perhaps. Even discover will do online banking and everything for you and you can transfer money into its account for use and keep your main account safe.
Personally if this really gets some traction I would abuse em with exact change for a while cause I got coffee cans of coins I keep meaning to take in.