debit cards- I need one that WILL DECLINE overdrafts NOT let them happen .?

Question

I am looking for a bank that will not SPARE my feelings ,but rather DECLINE atm withdrawls and purchuces that would take me into negitive side , if the bank operates in WASHINGTON state so much the better

Answer 1

I'm wondering if something like a Visa Buxx card would solve the problem.

Answer 2

You should open a separate account that you don't have a debit card for. Use one account that is for writing checks out of and the other for your debt card. And add a little cushion to it. Talk to the bank and find out what you can do to help yourself. It'll just take a few minutes to talk to someone about what they have to offer in terms of over draft protection. You will most likely need to come up with some way to keep track of your withdrawls. I will usually either write the amount in my checkbook like I wrote a check or I will put the receipt in my checkbook or outside pocket of my wallet (when I see it later I'll know it's something I need to subtract from my account)

Answer 3

that quantity would be deducted immediately from the checking account which you used once you took out the debit card. There are no longer any outcomes as long as you have money in that account to disguise what to procure. regularly the transaction is going immediately on your financial business enterprise the day you're making the acquisition or in case you used the cardboard in credit mode(devoid of getting right into a pin extensive form) that is going to probable bypass in the process the subsequent day. in case you have any questions ask your financial business enterprise.

Answer 4

I don't think they exist. First, there is sometimes a delay between the time you purchase something and the time the amount is processed against your account, so that later, when it 'hits,' your balance could slip below zero. Second, no matter what they say, banks LOVE to charge fees for overdrafts. In fact, read their reports to shareholders in whch they boast of increasing fee income despite offering more "free checking."

Free checking has been a bonanza for bankers who love to collect fees.

www.clarkhoward.com

Answer 5

a better idea might be to write down a monthly budget.