Chase debit card fees

Pappassito (☼Travelguide writer) says on Jul 30, 2009, 07:03:

ColombianoGringo (Moderator) (Trustee board) (☼Travelguide writer) says on Jul 30, 2009, 07:13:

scumbuster says on Jul 30, 2009, 10:39:

I use National Inter Bank also. You can join online.

Tomas Jefferson “When the people fear their government, there is tyranny; when the government fears the people, there is liberty.”

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ColombianoGringo (Moderator) (Trustee board) (☼Travelguide writer) says on Jul 30, 2009, 10:57:

scumbuster says on Jul 30, 2009, 11:32:

I don’t know on direct transfers. I only use Interbank for vacations. I usually just send them a check from my normal local bank account a couple weeks before I leave. You can set up direct deposit into it, if you have a pension or SS and just use the card in Colombia to live. I have been transferring money via our Interbank account to a Colombian ATM and into our Colombian bank account every time we go down.

Tomas Jefferson “When the people fear their government, there is tyranny; when the government fears the people, there is liberty.”

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NCMike says on Jul 30, 2009, 11:34:

I got a Capital One ATM card a few months ago in part for the advice I'd read earlier here. In past years, I've had no problem with my NC SECU credit union card, they charge 1% conversion fee plus .75 for using another ATM. My only worry has been, what if I lose that card? I imagine most of you carry a couple of ATM cards for that purpose.

I got the CAP1 card thinking I could make transfers from my regular account online and use either card as needed. It works fine, except that there is a significant delay with CAP 1. If I do the transfer online on Mon, it may or may be available until Friday. Also, I had to call several times about getting charged twice for the same ATM withdrawal. To their credit, it looks like they have credited back to my account, but they give you a CURRENT balance and an AVAILABLE balance, and it isn't available yet. It looks like they give you a good exchange rate on your withdrawals.

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Paisa/Calena/Luver says on Jul 30, 2009, 12:43:

Fidelity.. No fees whatsoever, no minimum balance and a great exchange rate..

"PAY ATTENTION! I wonder if that person knows that when we push the FUNNY button, its because we are reading something outrageous, trying to be cynical, derogatory, sarcastic and/or obnoxious!"

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ColombianoGringo (Moderator) (Trustee board) (☼Travelguide writer) says on Jul 30, 2009, 12:49:

davidyamiga says on Jul 30, 2009, 13:12:

PCL...what is the web page for Fidelity? Is it Fidelity Bank?

Otra vez en casa...Cali!

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Paisa/Calena/Luver says on Jul 30, 2009, 13:17:

www.fidelity.com Open a smart cash account online. No minimum balance, no fees whatsoever, best exchange rate, free debit card, online banking, online money transfers. money takes 5 business days to transfer though..

"PAY ATTENTION! I wonder if that person knows that when we push the FUNNY button, its because we are reading something outrageous, trying to be cynical, derogatory, sarcastic and/or obnoxious!"

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NCMike says on Jul 30, 2009, 15:15:

lol we sound like a commercial here. CG, I understand the delay, system, etc. But my experience has been about 5 business days on average. It may post to my account after 3 business days, but it is not necessarily available for me to withdraw for 2 business days more. That's been my experience, anyway. I don't really criticize that. The main thing I wanted from them was someone to fallback on in case I lost my primary ATM. Also, having heard about paseo de milionario, I thought if they tried that with me with my Cap1 card they wouldn't get very far. (Not that I was REALLY worried about that).

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davidslc46 says on Jul 30, 2009, 15:35:

Use citibank ATM if they have one in Cali and take out 1,000,000 COP in one transaction which will bring your fees down.

David

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barrumundi says on Jul 30, 2009, 17:32:

Fidelity looks good:

All Fidelity ATM withdrawal fees will be waived for your mySmart Cash Account®. In addition, your mySmart Cash Account® will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your mySmart Cash Account® at any ATM displaying the Visa®, PLUS® or STAR® logos. The reimbursement will be credited to the mySmart Cash Account® the same day the ATM fee is debited from the account. Please note, there is a foreign transaction fee of one percent that is not waived, which will be included in the amount charged to your account. The Fidelity Visa® Gold Check Card is issued by PNC Bank, DE and administered by PFPC Trust Company, which are not affiliated with Fidelity Investments. The third party trademarks that appear herein are the property of their respective owners.

http://poorbuthappy.com/yourthing/post/uploading-photos-for-dummies/

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realstate (☼Travelguide writer) says on Jul 31, 2009, 07:00:

ColombianoGringo (Moderator) (Trustee board) (☼Travelguide writer) says on Jul 31, 2009, 07:06:

realstate (☼Travelguide writer) says on Jul 31, 2009, 10:26:

Fees from every bank

http://www.flyerguide.com/wiki/index.php/Credit/Debit/ATM_Cards_and_Fo...

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Paisa/Calena/Luver says on Jul 31, 2009, 10:28:

Wamu was fine and perfect for me because it was 1%.. now that they are chase.. Im sure they have adopted the chase rates.. I dont trust that wiki board realestate..

"PAY ATTENTION! I wonder if that person knows that when we push the FUNNY button, its because we are reading something outrageous, trying to be cynical, derogatory, sarcastic and/or obnoxious!"

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davidyamiga says on Jul 31, 2009, 18:07:

PCL...I was a WAMU account holder and now Chase. They charge 3% for the transaction plus a $ 3 charge for not using a Chase ATM.

Otra vez en casa...Cali!

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viajero123 (☼Travelguide writer) says on Jul 31, 2009, 18:25:

scumbuster says on Aug 1, 2009, 05:31:

Interbank does not charge any fees. 0

Tomas Jefferson “When the people fear their government, there is tyranny; when the government fears the people, there is liberty.”

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apeters says on Aug 1, 2009, 13:49:

Fidelity does charge fees....they charge a 1 % conversion fee whenever u use an international ATM. I just called them up today and talked to a banker. I am still going to go with them as thats much better than $5 on EVERY international transaction from Wells Fargo, no matter how big or small.

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Paisa/Calena/Luver says on Aug 1, 2009, 13:55:

It is a strict per case basis. I just used them last month and I got NO FEES and a very good conversion rate.. I also got into a long discussion with the lady on the phone who told me that she knows many people in her office that use it specifically when they travel to avoid the fees..

"PAY ATTENTION! I wonder if that person knows that when we push the FUNNY button, its because we are reading something outrageous, trying to be cynical, derogatory, sarcastic and/or obnoxious!"

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apeters says on Aug 1, 2009, 14:08:

well...from fidelitys website PCL "The reimbursement will be credited to your mySmart Cash
Account the same day the ATM fee is debited from the account. Please note
that Visa does charge a foreign transaction fee of 1%, which is not waived, and
will be included in the amount charged to your account." I dont understand how its a per case basis....

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apeters says on Aug 1, 2009, 14:09:

I mean, what did you tell her to get that type of deal? I dont understand that if its written in the customers agreement that they charge a currency conversion fee of 1 % at all international ATMs. In my case, I will be living in colombia....not vacationing so I expect to use the debit card a lot. No minimum balance, no maintenance fee, and little or no charge on international ATMs is what I am looking for.

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Paisa/Calena/Luver says on Aug 1, 2009, 14:17:

Apeters.. I too have heard all of this info from the operator and read all of this as well.. so I tried it out myself too see what the real deal was.. The lady from Fidelity told me it depends on the bank in Colombia whether or not they choose to charge you the 1% or not and it is a very grey area.. I USED.. banco de bogota and banco avillas and there where NO ADDITIONAL charges.. No bank fees, no hidden charges, no charges that came later on, no foreign transaction fees a month later or at the end of my statement. AND on top of that it was paying me like 2250.. and that was the market price around that time..

"PAY ATTENTION! I wonder if that person knows that when we push the FUNNY button, its because we are reading something outrageous, trying to be cynical, derogatory, sarcastic and/or obnoxious!"

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apeters says on Aug 1, 2009, 14:19:

Colombiano, is there a conversion fee with Capital One if you withdraw from an international ATM?

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ColombianoGringo (Moderator) (Trustee board) (☼Travelguide writer) says on Aug 1, 2009, 14:39:

apeters says on Aug 1, 2009, 14:50:

ok thanks PCL for the response, I think I am going with Fidelity :) It seems like the right choice at this time

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realstate (☼Travelguide writer) says on Aug 28, 2009, 09:03: