I have a Wells Fargo cautionary tale for y'all. This may be a known thing, but in my many banking years with my many bank accounts (even before I got really into churning them) I never really ran into an ATM withdrawal limit problem.
WF defaults the ATM withdrawal limit to $310. I honestly don't know what that $10 is doing for you but ok? I may have possibly seen it when I got my debit card last year and forgot, but I probably didn't notice. You can see it in your online account but you have to click a couple links to pull it up so it's not something I'd stumble upon. I really didn't think much about it because I haven't had a bank be under $400 and it's usually $500. So when I needed to move money around quickly on a weekend, I didn't think anything of stopping by the WF ATM to pull out the $500 I wanted... until "your transaction is declined"
Oh well poo, I can make $400 work... "your transaction is declined"
So I get my $300 - because even if I knew the limit was $310 I couldn't have gotten it since this ATM only did $20 and $50s - and make a plan to stop by during banking hours to get the rest and fix this issue for the future. I ask the teller if she can adjust my withdrawal limit and she says it has to be a banker or I can call the customer service number. Both bankers had clients that didn't sound like they were wrapping up anytime soon so I declined, took my $200, and decided to call when I got home. Went across the street to deposit the money into bank #2 and headed out.
When I call to have the limit raised, now they tell me that
you have to have the amount of the limit in your account for them to initiate the request! I don't have it, I just took it out
The funny part is the guy on the phone could see I had less than even the default limit in the account and still went through and asked how much I wanted to raise it to. Then he tells me he can't do it until I have the money in there, and yes, he can see that I just withdrew it from the ATM and the teller, but the system won't accept the request.
So basically I could have waited for one of these bankers OR drove 3 minutes down the road to the other branch and tried a banker there, where I could have deposited my cash
back into my account, raised the limit and then immediately withdrew it... and then probably just closed the account just from the absurdity
I briefly considered heading back to bank #2s ATM to withdrawal the cash and do just that on principal but my pocket book overruled that as a waste of gas. Funnily enough when I was telling hubby about it, that's what he suggested
So long story short, if you want to raise your ATM withdrawal limit with Wells Fargo, have the amount of the limit you want in your account at the time. And since WF defaults to $310, you'll probably want to actually raise it.
This just gives me a good excuse to close it. I got it for a bank bonus but since my mortgage is with WF I decided to keep it to pay the mortgage out of it and play nice. It's not something I really considered churning because we still have a few years on the mortgage and don't want to rock the boat. But like I said before, don't know if this is a unique issue to WF or if other big banks have similar limitations. I wanted to be proactive so I didn't run into the issue again but it was not to be. I'll have to set a reminder to call again after the next deposit... if I don't decide to close it.
Packing up to head home after an amazing week visiting our son and the 
....weather this week was great...heading back to LI to the cooler weather....hopefully the snow will continue to stay away this winter
Since upgrading makes more sense than replacing the battery, I'm getting the 11 Pro with the fancy cameras
Which makes this budget trip even better.
!!! Time for a new card.
