Banking Question

**Roxyluvsme13** · 01-19-2011, 03:19 PM

My bank has a $1000 withdrawal limit per day, and a $1000-$1500 spending limit per day (I'm not 100% sure on the spending limit, it said differently in two different places, so...)

Anyway, I'm buying a new computer tomorrow (a MacBook Pro, YAY!!!) and I can't exactly buy it unless I get that spending limit lifted...

My friend said just to call the bank and ask them to lift the spending limit, but what if they won't do that? I looked all over their website for anything related to lifting the spending limit and nadda.

So, what should I do?

**Pembroke_Corgi** · 01-19-2011, 03:29 PM

I'd call the bank and tell them the situation. It's your money, so most likely they will make an exception. Are you sure it's a spending cap or just an ATM withdrawal limit? It seems like there wouldn't be a $1,000 limit on how much you could spend in one day; otherwise people would have to pay large mortgages in increments.

**Roxyluvsme13** · 01-19-2011, 03:34 PM

Originally Posted by Pembroke_Corgi

I'd call the bank and tell them the situation. It's your money, so most likely they will make an exception. Are you sure it's a spending cap or just an ATM withdrawal limit? It seems like there wouldn't be a $1,000 limit on how much you could spend in one day; otherwise people would have to pay large mortgages in increments.

Well, the website said "You may use your checkcard to purchase up to $1000 in goods and services each day."

Which personally, is dumb. It's my money and I should be able to blow as much of it as I want in one day

I'll just have to give them a call here in a little bit and see what they say!

**Suki Wingy** · 01-19-2011, 04:06 PM

If you can't get them to deal with it you can take out like $500 a day for three days or something. When I went to buy my car though I went in and withdrew the cash but that was like $1200.

**Roxyluvsme13** · 01-19-2011, 04:07 PM

Originally Posted by Suki Wingy

If you can't get them to deal with it you can take out like $500 a day for three days or something. When I went to buy my car though I went in and withdrew the cash but that was like $1200.

Yeah, I could do $1000 over 2 days, but that seems like a major pain in the butt to me.

I have to wait till my money goes through (hopefully tomorrow) and then call them when I go buy the computer, I guess. I was told not to call in advance.

**Freedom** · 01-19-2011, 04:10 PM

There is a limit on a debit card for YOUR protection. This is not a credit card, the money is taken out immediately. If you lose you card, your loss is limited to $1000.

Debit cards are anti consumer as it is, so limits had to be put on to protect folks.

**Karen** · 01-19-2011, 05:14 PM

I bet if you go to the bank in person, you can withdraw more than $1000 a day - ask if that applies, if you can come in with a check (made out to cash) and walk out with the cash.

**Roxyluvsme13** · 01-20-2011, 11:07 AM

So, I called my bank today...

They said my limit will be lifted at midnight, though I'm pretty sure she meant "Your limit will be lifted until midnight," because I had to have her explain this to me

.

Thank you for all the help everyone, I think I'm going to order checks so I don't have to go through this hassle every time I need to buy something expensive!