Need a little help re debit card use in USA please!

uklloydi

Hi,

I've got a question regarding debit card use. I am going to Florida on Thursday. Normally I take foreign currency with me, but as I now have a FlexPlus account with Nationwide, which offers commission free foreign cash withdrawals, I was thinking that it might be a better idea to just take a small amount of cash with me for starters, but to withdraw more as I need it.

I was going to use credit card for purchases of goods (that's commission free), debit card for cash withdrawal. However ...

I am most likely limited to using Chase ATMs as it is Chase who provide ATMs at Disney World, where we will be for a while, and these are at the parks and the resorts. I gather that *regardless* of the commission free benefit that I get from being a FlexPlus account holder, I will still be charged for using the Chase ATM, but I don't know what that charge will be.

I have found plenty of sites detailing how much Chase account holders in the US will get charged abroad, but not the other way around.

Can anyone help?

The Nationwide charges are listed on Nationwide's site (can't post link as I'm a first-time poster it gets removed):

> support > travel > fees-charges > foreignCash

So, on the table: 'Example of a foreign cash withdrawal - outside the UK', it confirms no fee, but after the table: "The bureau / ATM owner may also make a charge. For credit card cash withdrawals, you'll be charged interest at 'cash rates' from the date the transaction is posted to your account."

Does anyone know what the charge would be to us a Chase ATM in the US?

Many thanks for any help/advice on this

Westin

I think it is USD$3 per withdrawal so it makes sense to withdraw a larger amount each time rather than $50 here and there.

PeacefulWaters

It will vary from machine to machine, but the $3 figure above is in the right area.

So fewer larger withdrawals is better than many smaller ones.

You could probably do USA on credit card and never touch cash though.

Occasionally you'll see an ATM in McDonald's that charges 99c for a withdrawal.

SW17

I've seen from USD 3-6 in ATM charges, though the lower end of that is more the norm (the higher charge is common is Las Vegas, for example). Haven't used the ATMs inside Disney, but my recollection of other ATMs in Orlando is $3 charge. I'm sure there are some banks that don't charge, I don't remember Chase being one of them.

agrinnall

I had a vague memory from other threads that TD Bank may offer free withdrawals, and this page seems to suggest that is the case.

https://www.tdbank.com/atmrefresh/index.html

Kernow666

on my various trips to the US i have from fees from $1 to $5 , theres no way of getting round it really , at least you get the option before you withdraw the ATM will say how much

Snowedunder

Hi, on a recent trip December 2015 surprisingly ATM's in Disney were actually cheaper than Publix and Walmart which used to be 'free'.


It appears the USA banking system is going through an overhaul. No two stores' systems were the same - IE. swipe or insert followed by pin/no pin - sign/don't sign - insert pin/no pin required - or show card to cashier/or any variation of the above.


Also a tip when using your debit card - in the US machine always use 'credit card' check as it will decline most transactions if you say it is a debit card - even my Fair FX currency $ card had to be entered as a credit card.


Have a great time