Dec 29, 2013, 6:37 am
Last edit by: seawolf
Google Doc - Debit Cards Available with no Fees
Please refer to the Google doc and update as needed for the most comprehensive list of debit cards and their charges (or lack thereof)
Visa Exchange Rates
MasterCard Exchange Rates
Please refer to the Google doc and update as needed for the most comprehensive list of debit cards and their charges (or lack thereof)
Visa Exchange Rates
MasterCard Exchange Rates
Debit cards without forex fee and other-bank ATM fees?
May 2, 2015, 9:09 am
#346
Join Date: Aug 2011
Location: ELP
Programs: AAdvantage, Amex MR
Posts: 2,314
Just an update for you all. I did get my atm fee reimbursed, but no message was ever written back which is fine as all I care about is the fee reimbursement.
Since I didnt get a message I am wondering if it was automatic? But then how would schwab know there was a 2 dollar fee?
Some atms roll the fee into your withdrawal, and others charge it seperately as another line item. Are both reimbursed automatically? But then how would schwab know how much the fee was if it was all one transaction?
A 40 dollar withdrawal and a 2 dollar fee I imagine they will reimburse automatically, but if it shows up as a 42 dollar withdrawal that isnt automatic right?
Since I didnt get a message I am wondering if it was automatic? But then how would schwab know there was a 2 dollar fee?
Some atms roll the fee into your withdrawal, and others charge it seperately as another line item. Are both reimbursed automatically? But then how would schwab know how much the fee was if it was all one transaction?
A 40 dollar withdrawal and a 2 dollar fee I imagine they will reimburse automatically, but if it shows up as a 42 dollar withdrawal that isnt automatic right?
May 2, 2015, 1:54 pm
#347
A FlyerTalk Posting Legend
Join Date: Jul 2003
Location: Yiron, Israel
Programs: Bates Motel Plat
Posts: 68,930
I have used my Schwab Platinum debit card (I have only a brokerage account) at ATMs in the States, Israel, and Europe and have always had the ATM fees returned immediately.
May 6, 2015, 12:35 am
#348
Join Date: Nov 2014
Posts: 30
I use PenFed, I'm charged the exact exchange rate for the dollar that I see on XE.com - no reimbursement, no waiting, no nothing ... just take what I need from the ATM and pay the EXACT amount in USD in return .. why do I need to bother dealing with "reimbursement" cards instead?!
May 6, 2015, 9:55 am
#349
Join Date: Jun 2009
Location: LAX
Posts: 6,769
What's the idea of getting reimbursement in the first place?
I use PenFed, I'm charged the exact exchange rate for the dollar that I see on XE.com - no reimbursement, no waiting, no nothing ... just take what I need from the ATM and pay the EXACT amount in USD in return .. why do I need to bother dealing with "reimbursement" cards instead?!
I use PenFed, I'm charged the exact exchange rate for the dollar that I see on XE.com - no reimbursement, no waiting, no nothing ... just take what I need from the ATM and pay the EXACT amount in USD in return .. why do I need to bother dealing with "reimbursement" cards instead?!
May 15, 2015, 12:32 pm
#350
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
I've been thinking about how MC seems to provide better exchange rates at least in certain instances and am wondering if anyone's found anything better than Capital One's checking account with a MC debit card. Its debit card is definitely not ideal compared to Schwab or Fidelity's though (no EMV and doesn't reimburse ATM fees are the two big issues). OTOH the savings from a better exchange rate might not make up for the ATM fees being charged so perhaps Schwab's Visa debit card still works out better in the end?
May 16, 2015, 3:32 am
#351
Join Date: Jan 2015
Posts: 1,112
I've been thinking about how MC seems to provide better exchange rates at least in certain instances and am wondering if anyone's found anything better than Capital One's checking account with a MC debit card. Its debit card is definitely not ideal compared to Schwab or Fidelity's though (no EMV and doesn't reimburse ATM fees are the two big issues). OTOH the savings from a better exchange rate might not make up for the ATM fees being charged so perhaps Schwab's Visa debit card still works out better in the end?
May 16, 2015, 6:37 am
#352
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
USAA apparently refunds foreign ATM fees. It definitely refunds domestic ones, up to $15 per month, but the reports on foreign fees are mixed. You still get charged a 1% fee, but it's a Mastercard. For a limited time, there's a way for general public people to join. According to their site, debit will have chip mid this year. https://www.usaa.com/inet/pages/bk_c...=VURL_chipcard
"When a card is inserted, you'll leave it in the terminal during the transaction. You'll sign if required. And don't forget to take your card."
isn't very encouraging to me.
May 16, 2015, 9:29 am
#353
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
USAA apparently refunds foreign ATM fees. It definitely refunds domestic ones, up to $15 per month, but the reports on foreign fees are mixed. You still get charged a 1% fee, but it's a Mastercard. For a limited time, there's a way for general public people to join. According to their site, debit will have chip mid this year. https://www.usaa.com/inet/pages/bk_c...=VURL_chipcard
May 16, 2015, 1:47 pm
#354
Join Date: Jan 2015
Posts: 1,112
Invest some time into maximizing your money and you should be able to broker some clues. Mystery.
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
May 16, 2015, 4:30 pm
#355
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
Invest some time into maximizing your money and you should be able to broker some clues. Mystery.
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
May 16, 2015, 5:21 pm
#356
Join Date: Jan 2015
Posts: 1,112
Honestly, it's been so long since I actually opened my USAA brokerage account that I really don't know and would not be able to check (greater than two years). At worst, you could call them up and ask; USAA is known for being pretty good at customer service.
May 17, 2015, 8:06 am
#357
Join Date: Oct 2014
Location: Portland, OR, USA
Programs: Delta + United Airmiles
Posts: 703
Invest some time into maximizing your money and you should be able to broker some clues. Mystery.
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
USAA only allows you to open banking accounts if you're already a USAA member. For a limited time, you can become a member (despite not being part of the military) by opening up a brokerage account. This will also give you 50 free trades (I forget when they expire; I opened my accounts years ago). The public opening apparently lasts until June 30. http://www.maximizingmoney.com/inves...des-promotion/
"After 50 free trades or 90 days, whichever comes first, your account will revert to the gold or platinum fee schedule, depending on asset and activity levels."
Without pin priority, what is the benefit (not available with even better rewards elsewhere) of USAA MC card please?
Wonder if brokerage account can be closed after getting USAA membership?
Last edited by uds0; May 17, 2015 at 8:27 am Reason: wonder ...
May 26, 2015, 2:52 pm
#358
Join Date: Jan 2013
Location: Hawai'i Nei
Programs: Au: UA, Marriott, Hilton; GE
Posts: 7,147
Fidelity Cash Management ATM Card
Used the Fidelity ATM card in Asia ATMs last year without any problems. Now going to Europe. Should I expect the same easy use there? Any problems using it in European ATMs?
Thanks for your insights!
Thanks for your insights!
May 27, 2015, 10:22 am
#359
Join Date: Oct 2005
Location: SF
Programs: UA, VX, QF, EY, VA
Posts: 756
May 27, 2015, 10:47 am
#360
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Just an update for you all. I did get my atm fee reimbursed, but no message was ever written back which is fine as all I care about is the fee reimbursement.
Since I didnt get a message I am wondering if it was automatic? But then how would schwab know there was a 2 dollar fee?
Some atms roll the fee into your withdrawal, and others charge it seperately as another line item. Are both reimbursed automatically? But then how would schwab know how much the fee was if it was all one transaction?
A 40 dollar withdrawal and a 2 dollar fee I imagine they will reimburse automatically, but if it shows up as a 42 dollar withdrawal that isnt automatic right?
Since I didnt get a message I am wondering if it was automatic? But then how would schwab know there was a 2 dollar fee?
Some atms roll the fee into your withdrawal, and others charge it seperately as another line item. Are both reimbursed automatically? But then how would schwab know how much the fee was if it was all one transaction?
A 40 dollar withdrawal and a 2 dollar fee I imagine they will reimburse automatically, but if it shows up as a 42 dollar withdrawal that isnt automatic right?