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Charles Schwab ATM/Debit card?

Charles Schwab ATM/Debit card?

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Old Jan 30, 17, 1:32 pm
  #31  
 
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I confirm that Schwab still pulls Equifax for credit check. There is no need to request ATM card; they order one automatically once you fund the checking account.

Another interesting feature, the checking account is automatically enrolled in overdraft protection against the cash in the brokerage account. And apparently there are no overdraft fees in this case.

On enrollment this month it took exactly one week from signing up to receiving the card in the mail.
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Old Jan 31, 17, 6:51 pm
  #32  
 
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The Schwab HY checking is what we use. Have had no problem.
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Old Feb 5, 17, 7:14 pm
  #33  
 
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Originally Posted by klew97 View Post
Do they reimburse all ATM fees? Even those independent ones found in gas stations or liquor shops not associated with a bank?
they always have for me.
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Old Feb 5, 17, 10:30 pm
  #34  
 
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Same for me and even a few every high fee Casino fees in the US & abroad. When abroad and whenever there is a high fee I retain a receipt to reconcile.

Originally Posted by fsuj25 View Post
they always have for me.
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Old Feb 6, 17, 12:08 pm
  #35  
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Originally Posted by fsuj25 View Post
they always have for me.
me too!

I love Schwab and even though this has all be covered I wanted to chime in with another +1. I have never not had a ATM fee reimbursed, including international.
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Old Feb 6, 17, 2:10 pm
  #36  
 
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Agreed, I've only had positive experiences with CS. Coupled with their new lower commissions, I've decided to move some funds into the brokerage account as well. I suppose they got what they wanted, in attracting more customers to their brokerage services by offering this.
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Old May 7, 19, 1:22 pm
  #37  
 
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Originally Posted by Yoshi212 View Post
I've been an account holder for about 5 years now and even made them my primary bank after all the good experience I've had. I do keep my foreign ATM receipts (or at least a photo of them) to make sure the ATM fee gets refunded. The few times it didn't automatically all it took was a very quick phone call to resolve. Their customer service is all US based and very friendly yet professional.
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Old May 14, 19, 8:12 am
  #38  
 
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Does CS charge an FTF on using the ATM card?
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Old May 14, 19, 9:12 am
  #39  
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Originally Posted by powerlifter View Post
Does CS charge an FTF on using the ATM card?
I've never been charged a FTF on my debit card.
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Old May 14, 19, 10:24 am
  #40  
 
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Originally Posted by powerlifter View Post
Does CS charge an FTF on using the ATM card?
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Old May 17, 19, 3:43 pm
  #41  
 
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Originally Posted by powerlifter View Post
Does CS charge an FTF on using the ATM card?
Do you mean for withdrawals from an ATM, or using it at a store as a VISA for a purchase?

They do not charge any fees for ATM withdrawal, and even refund the foreign bank/ATM fees at the end of each statement period.

They do charge a FTF for purchases made at a store, but you absolutely should never use a debit/ATM card for anything other than an ATM withdrawal.
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Old May 17, 19, 5:28 pm
  #42  
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Originally Posted by brp1264 View Post
Do you mean for withdrawals from an ATM, or using it at a store as a VISA for a purchase?

They do not charge any fees for ATM withdrawal, and even refund the foreign bank/ATM fees at the end of each statement period.

They do charge a FTF for purchases made at a store, but you absolutely should never use a debit/ATM card for anything other than an ATM withdrawal.
Per this, they don't charge FTF for purchases either.

Also, I wouldn't say never use one for purchases. One example is trying to use ticket machines in Europe, especially if one's credit cards have no PIN capability.
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