Current Events > Question on banking

(+) Yeah! (+)

Can I go to someone's bank and deposit money into their account using a Visa debit card?

I need cash but I've only used cards for the past decade or more.

I have PayPal, Chase, Discover, Mastercard, Google Pay, and a PNC bank card.

I don't have a checkbook despite my entire life savings is in a checking account.

I'm somewhat stupid. *lol*

The nearest bank of mine is too far away for travel.

Just looking for a way to give someone money who is old school in their ways.

Any ideas would be greatly appreciated. :)

Steffenfield posted...

Just looking for a way to give someone money who is old school in their ways.

Is buying a gift card to a shop they like an option? Is does it need to be cash?

Yes, you could do that, but its probably easier to just visit an ATM, withdraw cash there, and then go to the financial institution and deposit that money into their account you desire.

You can deposit money in someone's account typically if you have their whole account number, or if it's their debit card and you know their pin

Most ATMs take cash deposits now

I need $10k.

ATM daily withdraw limit is just $400 nearby and it costs $5.50 every time I even look at that stupid machine.

It would take three weeks on this.

Perhaps I can do a money order using my bank card somewhere?

Maybe at a gas station?

I live in a very remote area so my options aren't looking all that great.

the bank has never confirmed my identity to make a deposit. i just hand over the money and the deposit slip with the account number.

but if all you need is cash, can't you just use an ATM? or buy something with your debit card and get cash back?

I haven't used it, so I don't know if it'll work for your needs. What about wiring the money?

Giant_Aspirin posted...

the bank has never confirmed my identity to make a deposit. i just hand over the money and the deposit slip with the account number.

I can't make a deposit with cash since I don't have any.

Trying to problem solve on how to make my digital savings into something physical.

Steffenfield posted...

I need $10k.

ATM daily withdraw limit is just $400 nearby and it costs $5.50 every time I even look at that stupid machine.

It would take three weeks on this.

Perhaps I can do a money order using my bank card somewhere?

Maybe at a gas station?

I live in a very remote area so my options aren't looking all that great.

Post offices do money orders, probably less expensive than a gas station.

SkittyOnWailord posted...

I haven't used it, so I don't know if it'll work for your needs. What about wiring the money?

They're too old school for that.

I've tried.

just go to your bank and withdraw the cash?

Giacomo_Hawkins posted...

Post offices do money orders, probably less expensive than a gas station.

Ooh.

A post office you say?

Awesome!

I'll try tomorrow!

Thank you! :D

Giant_Aspirin posted...

just go to your bank and withdraw the cash?

You may have to file a CTR, or they will file one on you, but shouldn't be a big deal.

Steffenfield posted...

They're too old school for that.

I've tried.

The first wire transfer was in 1872. How old are they? O_o

https://www.usps.com/shop/money-orders.htm

Limit is $1k at a time.

Only a $2.90 service fee too.

Do this times ten tomorrow and I'm there. :)

SkittyOnWailord posted...

The first wire transfer was in 1872. How old are they? O_o

Grandpa old. *lol*

If you have their bank details are you not able to do a wired transfer regardless of what they think? They need to withdraw the money either way.

Another option is you could open an account in their bank, transfer your money to it and then withdraw and deposit when you're in the bank.

Ah nuts.

He only wants to deal in cash.

Back to square one I guess. :/

Do you have a bank you can travel to that has an account that doesn't have fees for what you want to do? If so open an account there, transfer the money from your account to it and then go to the bank and withdraw. I think that would still be the easiest way.

Punished_Blinx posted...

If you have their bank details are you not able to do a wired transfer regardless of what they think? They need to withdraw the money either way.

Wire transfers are an expensive way to send money. He'd be better off ordering checks.
(I realize TC updated to say it was cash-only anyway)

I dont really understand what the hell youre trying to do. You havent really painted a good picture of what youre trying to accomplish here other than you want $10,000 in cash.

If youre looking to deal with that higher than amount in cash, you really do need to visit a financial institution.

tankboy posted...

Wire transfers are an expensive way to send money. He'd be better off ordering checks.
(I realize TC updated to say it was cash-only anyway)

Wow. I live in Australia and I had no idea sure transfers cost money in America. They're free here.

Punished_Blinx posted...

Do you have a bank you can travel to that has an account that doesn't have fees for what you want to do? If so open an account there, transfer the money from your account to it and then go to the bank and withdraw. I think that would still be the easiest way.

Think I'll try this tomorrow.

There's a Credit Union about a mile down the street from me.

From their website, it looks like I can apply to become a member online.

If it all goes well, I'll transfer the amount from my checking account to them and then withdraw it.

Hopefully that will work. :)

I don't know a single thing about a credit union, but here goes nothing I suppose. *lol*

https://gamefaqs.gamespot.com/a/forum/5/5fc9e1f3.jpg

If you're opening an account with the credit union solely to do this, make sure that specific branch actually handles currency transactions at the location.

My local credit union only has two locations that physically deal with cash and neither of them are close to me.

Just use Zelle.

Steffenfield posted...

Think I'll try this tomorrow.

There's a Credit Union about a mile down the street from me.

From their website, it looks like I can apply to become a member online.

If it all goes well, I'll transfer the amount from my checking account to them and then withdraw it.

Hopefully that will work. :)

No bank in the world will give a new customer 10,000k the same day they open an account. It ain't happening. That's some super red flag shit

NoMeLx22x posted...

No bank in the world will give a new customer 10,000k the same day they open an account. It ain't happening. That's some super red flag shit

TC is a liability to pay them :(.

it's the same reason credit cards want ME to pay them to have a small credit line.

Steffenfield posted...

Think I'll try this tomorrow.

There's a Credit Union about a mile down the street from me.

From their website, it looks like I can apply to become a member online.

If it all goes well, I'll transfer the amount from my checking account to them and then withdraw it.

Hopefully that will work. :)

You cant withdraw money from someone elses account unless the person is with you at the bank location and consents to it.

kage_53 posted...

You cant withdraw money from someone elses account unless the person is with you at the bank location and consents to it.

You are reading this wrong. Hes saying them as in the Credit Union where he would be opening his own new account.

Personally it sounds like you are going through too much trouble opening a 2nd account at a different location when you could simply order checks from your current bank.

archizzy posted...

Personally it sounds like you are going through too much trouble opening a 2nd account at a different location when you could simply order checks from your current bank.

He doesn't seem to be able to go in person to his current bank. That seems to be the big issue here really.

Punished_Blinx posted...

He doesn't seem to be able to go in person to his current bank. That seems to be the big issue here really.

You dont need to go into your bank to order checks. You can do it online or simply call them and they will mail them to you.

archizzy posted...

You dont need to go into your bank to order checks. You can do it online or simply call them and they will mail them to you.

I think an issue with checks is that he needs to bank it in his grandpa's account so it would need to be under his grandpa's name no? As he doesn't have a checkbook of his own to write checks out too.

He should call up and see his options for sure. This stuff can change depending on bank and area.

archizzy posted...

You are reading this wrong. Hes saying them as in the Credit Union where he would be opening his own new account.

Yeah, that's what I meant. Sorry for phrasing it weird.

archizzy posted...

Personally it sounds like you are going through too much trouble opening a 2nd account at a different location when you could simply order checks from your current bank.

Checks are not cash.

The gentleman won't accept money orders so I'm not even going to bother asking if a check would be okay.

I'm surprised some people still live in the dark ages like this guy. *lol*

I'm wondering if I could purchase 10 money orders at the post office and make them out to myself then cash them all at the credit union.

Would this work at all?

My last wire transfer charged me a $225 service fee, so doing that would be far less expensive.

Honestly call up your bank and ask them. They'll know your most convenient option.

I'm wondering if I could purchase 10 money orders at the post office and make them out to myself then cash them all at the credit union.

The credit union that you just open your account at? No man, you are not going to be able to walk into a financial institution that you just opened your account at and cash $10,000 worth of money orders.

Steffenfield posted...

Yeah, that's what I meant. Sorry for phrasing it weird.

Checks are not cash.

The gentleman won't accept money orders so I'm not even going to bother asking if a check would be okay.

I'm surprised some people still live in the dark ages like this guy. *lol*

I'm wondering if I could purchase 10 money orders at the post office and make them out to myself then cash them all at the credit union.

Would this work at all?

My last wire transfer charged me a $225 service fee, so doing that would be far less expensive.

No. I promise you you will not be getting 10k in cash the same day (or week) that you open an account with a bank or credit union. Banks have regulations around that and credit unions typically do as well.

And even the post office would probably find it odd if you asked for 10 money orders as well.

Banks don't typically have 10k lying around for any random customer to withdraw on a moments notice. It isn't like the movies. You're better off calling the bank you wanna withdraw it from and ask if they're able to.

NoMeLx22x posted...

Banks don't typically have 10k lying around for any random customer to withdraw on a moments notice. It isn't like the movies. You're better off calling the bank you wanna withdraw it from and ask if they're able to.

I've called my bank twice on this already.

Both times were with foreign speaking agents that were stupid goobers and didn't help at all. :/

I just would like to turn what I have digitally and be able to somehow hold that in my hand.

That online credit union application requires a time stamped selfie, drivers license, scanning their QR code, an agreement for a complete credit history report review, and something something about FBI and a terrorist watch list warning.

Times sure have changed since I last remembered.

Still think I'll do that though and wire money to the newly created account so I can double dip at the ATMs each day.

I've looked online and it seems like there's also a Coinhub and LibertyX Bitcoin ATM tellers in town.

Maybe that's a thing I could try.

I really have no idea what I'm doing though.

I went to public schooling. *lol*

Why do you keep putting lol in asterisks?

rexcrk posted...

Why do you keep putting lol in asterisks?

*sighs*

It's a custom followed by some users to put actions is asterisks, and "lol" is not a word, but an abbreviation for an action.

Giacomo_Hawkins posted...

*sighs*

It's a custom followed by some users to put actions is asterisks, and "lol" is not a word, but an abbreviation for an action.

Lmao. You say that like its a totally normal thing that people do. Never seen anyone do that until now.

rexcrk posted...

Lmao. You say that like its a totally normal thing that people do. Never seen anyone do that until now.

Is it the part about putting actions in asterisks that you find odd, or distinguishing lol as an action instead of a word?

Giacomo_Hawkins posted...

Is it the part about putting actions in asterisks that you find odd, or distinguishing lol as an action instead of a word?

Being intentionally obtuse isnt as funny as you think it is.

The fuck kind of Nigerian prince/drug/taxdodge/scam is this?

Like there's 0 reason for this runaround unless you're being shady.

My grandson once needed a large amount of cash when her son was renting an apartment for school. He was out of town. Instead of him jumping just doing the withdrawal a lot my daughter called the credit union and explained and he was able to go to a different bank after withdrawal amount was raised and get 5k with no problems.

rexcrk posted...

Being intentionally obtuse isnt as funny as you think it is.

But hearing people say lol as part of verbal conversation is hilarious.

This thread is weird. It almost seems like TC doesn't know how banks work.

TC, if you want to have 10,000 cash in hand you need to have that in an account somewhere. If it's a bank like PNC, and I would guess you have a PNC bank account because you have a PNC bank card, then you can go to any branch and withdraw that cash.

You talked about trying to transfer your money to a new bank and withdraw it from there. That will take a few days for the transfer I would think. If you have your money in an actual bank now you would probably have to sign something from them approving the transfer. So if your money is at PNC you're probably going to have to go to a PNC branch anyways, even if it is too far. Maybe they let you do that online, but I don't know. But you haven't said where your money is.

The last thing is why are you taking out 10,000 cash? I'm assuming to buy something. I'd be worried because anyone who insists on cash like that could be a scam. Cash gives you no protections if the seller of whatever you are buying doesn't hold up his end of the deal.

You said your grandpa will only except cash yet you're trying to deposit the money directly in his bank account yet he won't except a check? This makes no sense.

Log into your banking account online and see if there is an option to "pay a bill". This basically allows the bank to write and mail a check on your behalf to either a company or person. Have your bank send him a check. If he complains tell him to go kick rocks. That's the most straight forward way of getting him the money.

Walk away from this whole thing. Its sketchy af.