When you don’t have your debit card it’s a serious pain to get cash. There are a few different scenarios where you wouldn’t have your debit card with you, and in this post, I hope to cover all of those so that you’re able to figure out what your next move is. We’ll start with the most difficult situations to the easiest, feel free to skip down to whichever applies to you.
Lost Your Debit Card
Losing your debit card is a huge pain in the ass. Most banks will freeze all purchases and withdrawals on your account until the matter has been resolved. This means that you’re going to have a tough time getting cash anywhere!
The first step is to call your bank and report your card loss. Every bank handles this situation differently, but they will all protect you against fraudulent purchases, and will likely refund them if they do happen.
So what can you do to get cash? The only way you’re going to get cash is to go to a branch of your bank and talk with a teller or customer service person and see what they can do for you. Expect to need some ID/Social Security info with you to make this work.
At the bank branch they’ll probably issue you some sort of temporary card that you can use at the bank, but probably not for debit card purchases. This is so you can access your account while your new card is in the mail to your house.
What if the bank is closed? You really don’t have many options. If you absolutely must have cash and have a credit card, a credit card cash advance will help you out. Unfortunately, these advances are extremely expensive.
Forgot Your Debit Card And Need Cash
This situation is simple or difficult depending on whether or not you have your checkbook with you. If you have your checkbook, just go to the check cashing store and write them a check. They’ll give you cash (for a fee of course) and you’ll be on your way. Some convenience and grocery stores will do this for you. You may also be able to get cashback when writing a check for more than the amount of the purchase. If you plan on trying the cashback method, make sure you ask before whipping out your checkbook to make sure that it’s something they can actually do.
If you don’t have a checkbook your only option is to go to the bank and talk with the teller. Assuming you still have your ID with you you will probably be able to withdraw cash from your checking account without your debit card. It may take some sweet-talking, but it’s definitely not impossible.
What if the bank is closed? Sorry, there aren’t a lot of options left. Your best shot is to just go get your debit card because no one is going to be able to give you any cash. Credit cards work for purchases, and credit card cash advances are available, but that’s all there really is.
Just remember that if you can’t find your debit card, the first thing that you have to do is call your bank to prevent any fraudulent purchases. This is the most important thing that you can do to make sure that if anyone else tries to use it, nothing bad will happen to you. The sooner you call your bank the faster they’ll be able to issue you a new card.
My name is Susan Garcia , and this is my site. I hope to show you all of the different options you have for getting a second chance bank account, as well as some tips for saving as much money as possible while doing so!