Does it matter what bank you have if OTR?

Discussion in 'Questions From New Drivers' started by biddlydiddly, Oct 4, 2020.

  1. biddlydiddly

    biddlydiddly Bobtail Member

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    My friend wants to get into trucking but his bank is a small, local bank that is only located in his state. I'm personally with one of the major branches so I don't know. Would he possibly run into problems by making out of state purchases, such as deactivating his account and not making travel notifications?
     
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  3. Chinatown

    Chinatown Road Train Member

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    Better ask someone that works in that bank.
    Travel notifications probably aren't required unless the travel is outside the USA.
     
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  4. ZVar

    ZVar Road Train Member

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    Is it a bank or credit union?
    If it's a credit union then no problem as he has free access to all the ATM.s in the coop network. Otherwise it depends on how their phone support is.
     
  5. O.Henry

    O.Henry Road Train Member

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    Use a Credit Union.
     
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  6. Long FLD

    Long FLD Road Train Member

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    I bank with a small local bank. My debit card is set up with a $1000 daily purchase limit and I have it so that it works anywhere. If I know I will be making a large purchase I’ll call and have them raise the limit for a day.
     
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  7. lovesthedrive

    lovesthedrive R.I.P.

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    I too have this problem. The bank recomended that I consider buying a prepaid credit card. You can refill it anywhere in the countrty. If you dont refill it from the banks web page you can call them. They will ask some personal questions. Once they can verify its you they will refill the card for what ever amount. You can also call accounting and get them to list the card on your account. You are safer if you dont use a debit card. As the debit card is a direct link to your account.
     
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  8. Moose1958

    Moose1958 Road Train Member

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    NO! Makes no difference in state or out of state. I have used debit cards for years from California to NY with not a problem. Stop worrying!
     
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  9. Brettj3876

    Brettj3876 Road Train Member

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    We use a small local bank for everything and until we gave em travel notice our cards would get shut off. Really just depends on the bank
     
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  10. Moose1958

    Moose1958 Road Train Member

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    I won't doubt your word. I have never heard of a debit card being "shut off" like that. In fact, most cards are on one of the various networks. In fact if my bank ever cut my debit card off, as soon as I got home I would be changing banks.
     
  11. Wasted Thyme

    Wasted Thyme Road Train Member

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    Pin based most likely not. Visa/MC transactions are the triggers
     
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  12. D.Tibbitt

    D.Tibbitt Road Train Member

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    Why not just use a credit card and pay it off ?
     
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