Which Method Do You Use?

marilyn_sueNovember 26, 2012

I was discussing this with a couple of my daughters and I wonder which method do you use, if you wish to make a withdrawal from your checking account. ATM, write a check to yourself or use a checking withdrawal slip?

Sue

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LuAnn_in_PA

Of your choices... check to self.
I never received checking account withdrawal slips.... only deposit slips.
I do not have an ATM card - never did!

I prefer MY choice... cash bask at a register.

    Bookmark   November 26, 2012 at 4:23PM
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monica_pa

ATM in a branch of my bank.

    Bookmark   November 26, 2012 at 4:28PM
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azzalea

I write a check to myself (never to cash). Other than moving my direct deposits out of one bank to another so they cannot be accessed by the depositors (that can happen and is a HUGE hassle to fix), I never take money out of the bank, though. It goes in for a reason--and stays there.

Don't/won't use ATM's (don't even have a card). And while my bank does have withdrawal slips, can't see the point of using them when I have checks.

    Bookmark   November 26, 2012 at 4:33PM
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Sally Brownlee

Usually I get extra cash back at the grocery or hardware store. I rarely ever go to the bank anymore for anything.

    Bookmark   November 26, 2012 at 4:34PM
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katlan

All of the above, well, except for the withdrawal slip. Don't know that I've ever used one. Also get cash back when checking out at a store.

    Bookmark   November 26, 2012 at 5:28PM
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marie_ndcal

I usually write a check to myself. Safer that way because the banks asks for ID and/or debit card.

    Bookmark   November 26, 2012 at 5:45PM
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kris_zone6

ATM card, never write check to myself and have never seen withdrawal slips for checking account. I use debit card for almost all my purchases and never get cash back when I do write a check.

    Bookmark   November 26, 2012 at 5:51PM
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glenda_al

Never used ATM card

    Bookmark   November 26, 2012 at 5:56PM
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ravencajun Zone 8b TX

I get cash back at various stores I am shopping at. My husband sometimes does get cash from the bank if he is going there for some reason.

    Bookmark   November 26, 2012 at 6:19PM
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OklaMoni

I don't have a debit card, but an ATM card. I use it to get cash, when I want/need some.

Moni

    Bookmark   November 26, 2012 at 6:28PM
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maire_cate

If I need cash I write a check to myself and use the drive thru teller. I probably do that once a month or so - I use a credit card for almost all my purchases so I don't carry much cash.

    Bookmark   November 26, 2012 at 6:39PM
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linda_in_iowa

I use my debit card for most purchases and get cash back at the grocery store if I need cash. I rarely go to the bank. I am surprised that some of you have never had an ATM or debit card.

    Bookmark   November 26, 2012 at 6:50PM
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FlamingO in AR

Drive up ATM. Usually about every other month or so, we don't use a lot of cash.

    Bookmark   November 26, 2012 at 7:14PM
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jkayd_il5

I get cash back at the grocery store while using my debit card. My DH goes to the bank and gets cash. I rarely set foot in my bank.

    Bookmark   November 26, 2012 at 7:21PM
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azzalea

Why so surprised, Linda? One doesn't need an ATM or debit card if you pay for everything with cash. Much safer--with cash you can only lose a finite amount. Using all those electronic and card transactions, you run the risk of identity theft. My next door neighbor had hers stolen and it was over $30,000 out of her pocket in legal fees and YEARS, before she got it sorted out. I'd rather lose a few hundred$$$ any day.

Have to admit, I do have one credit card--but it stays in the safe. Only used because we have to order our meds mail order and they insist upon a credit card. If it weren't for that, I wouldn't even have that one card.

    Bookmark   November 26, 2012 at 7:24PM
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bee0hio

ATM 95% of the time.
I don't understand peoples' aversions to ATMs?

    Bookmark   November 26, 2012 at 8:12PM
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Fun2BHere

Generally, I use a debit card at my bank. If I need a larger amount, then I will write a check to myself in the bank.

    Bookmark   November 26, 2012 at 8:13PM
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cheryl_ok

I write a check to myself

    Bookmark   November 26, 2012 at 8:38PM
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LuAnn_in_PA

"I am surprised that some of you have never had an ATM or debit card."

Why?
I have never come across a situation where I needed one.

I charge virtually everything. And a CC is way safer than a debit card....

    Bookmark   November 26, 2012 at 9:01PM
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pammyfay

ATMs, most of the time.
But I'm trying to write checks instead, because the ATM slips end up in my purse and I don't always take them out immediately to note the transaction in my checkbook register. Of course, that doesn't happen when I write a check.

    Bookmark   November 27, 2012 at 12:44AM
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fran1523

ATM. Then I go in the bank and change those twenties for smaller bills.

    Bookmark   November 27, 2012 at 8:33AM
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Cynic

Using an ATM then going into the bank seems like a redundancy to me. Why not just use the teller and get the denominations you want right away?

Haven't used an ATM for decades. I use the bank. Usually drive up or use one of the mini banks in a grocery store. My bank is open 7 days a week and longer hours than most are. I have a stack of deposit and withdrawal slips in the vehicle. The problem is they limit drive up withdrawals to something like $150 but that's usually enough. I don't need a lot of cash except when I was paying for mowing, or the rare time when I order a pizza or something. I use the credit card for most all transactions when I can although I like some cash for tips and small transactions.

Don't know if they still charge, but they used to charge a fee for cashback on transaction so I never got into that.

Can't think of the last time I wrote a check. I do most payments online.

    Bookmark   November 27, 2012 at 9:01AM
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marilyn_c

I use my bank's ATM. They don't charge me a fee.

    Bookmark   November 27, 2012 at 10:38AM
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jennmonkey

My credit union doesn't use tellers anymore. They have some people working there but the banking is mostly through machines.

The only checks I write anymore is for rent. Everything else I pay online. My pay checks are deposited directly. Pretty much nowhere takes checks anymore when shopping anyway, so I don't even carry the checkbook. I've never written a check to myself before.

If I want cash I either go to an ATM or get cash back with another purchase. I almost exclusively use my debit card and rarely have cash on hand.

    Bookmark   November 27, 2012 at 11:12AM
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patti43

We use the ATM's that don't charge a fee for our credit union. Every Publix has one, no matter where we are in the state.

Pammyfay, if you can figure out how much cash you need in a month, you can call the bank and have that amount transferred from your checking to your savings account. That way you can withdraw from your savings account at an ATM and don't have to remember to save those receipts. Harry's been doing that since before I met him. Probably for good reason :-)

    Bookmark   November 27, 2012 at 12:57PM
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monica_pa

For those who worry about saving ATM receipts - why?
I simply go on-line, and see what has cleared.

I despise paper, and haven't written a check for years, don't get paper statements in the mail, either. Rather than mailing a check to pay a bill (save postage costs, and you KNOW it will get there). On-line, I can have a check sent from the bank to any individual, not just a business.

    Bookmark   November 27, 2012 at 1:17PM
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joyfulguy

At my usual bank branch, I smile at the teller, give her my bank book and tell her how much cash I need.

S/he may ask what size bills I need, then gets the cash from the security window or the machine, counts it out and gives it to me, then asks me to sign the receipt, which shows which account it came from, then she gives me back my bank book with the transaction recorded, which I check.

When visiting a different branch the other day, the lady asked for an access card, which I showed her.

When she brought the money, I asked her how she could be sure that I wasn't a stranger using the access card that I'd found/stolen.

She said that before she gave me the money, she'd ask for picture ID.

The other day in the usual branch they had a poster recommending use of debit card (was it for internet transactions?), and I said that on the radio that morning they'd said that debit card was not a good idea, as using a credit card usually meant that if there was a dispute, that you'd receive a credit for the amount, but using a debit card would make the entire amount in your account vulnerable ... with no recourse.

Not my idea of a fun ride.

ole joyful

    Bookmark   December 6, 2012 at 5:19PM
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golfergrrl

ATMs for cash. Why would I go into the bank and stand in
line? I usually go off hours, too.

    Bookmark   December 6, 2012 at 5:40PM
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