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<blockquote data-quote="Engler" data-source="post: 1160688" data-attributes="member: 4110"><p>Pretty much all debit cards have a max charge that you can put on them in a day. I know that the bank I work at has $1,000 on the top end of most customers accounts. About once a month I get a call from someone saying that they tried to use their card and it won't go through and they know that there's money in the account. 9 out of 10 times it's over that daily limit amount, I have the operations people bump that limit so the transaction will go through in the next 10 minutes and then drop it back 3-4 days later. Customer is generally mad when we start, but when it is explained why we do it they usually understand. Not fool proof, but at least slows down the crooks. Also the processing company will sometimes lock down a card if it's out of the normal pattern for someones usage. Several years ago the boss was trying to buy gas on the KS turnpike and his card got shut down, wow did we catch be nice, but why was his card in Kansas when he rarely leaves Iowa thought the computer? As luck would have it, it was during normal business hours so we called the processing company and 10 minutes later it was back live.</p><p></p><p>I would think that the bank would honor the checks that had been written. No fault of your mom's that she got scammed. They are going to make her whole anyway, so why not save her the pita of calling everyone and getting it stopped.</p><p></p><p>You don't need to cut up the debit cards, just call the bank and see if they can drop the daily limit so that if someone is trying to clean you out it takes them a while and you can at least have a chance of catching it before your account gets down to $.18. Also, if you're traveling call the bank and say I'm going to X, they will probably give you a number to call if there are any problems and they can get ahead of anything that gets flagged. Moral of the story is the bank doesn't want to have to deal with a fraud deal any more than you do, so we try to build in safety features.</p></blockquote><p></p>
[QUOTE="Engler, post: 1160688, member: 4110"] Pretty much all debit cards have a max charge that you can put on them in a day. I know that the bank I work at has $1,000 on the top end of most customers accounts. About once a month I get a call from someone saying that they tried to use their card and it won't go through and they know that there's money in the account. 9 out of 10 times it's over that daily limit amount, I have the operations people bump that limit so the transaction will go through in the next 10 minutes and then drop it back 3-4 days later. Customer is generally mad when we start, but when it is explained why we do it they usually understand. Not fool proof, but at least slows down the crooks. Also the processing company will sometimes lock down a card if it's out of the normal pattern for someones usage. Several years ago the boss was trying to buy gas on the KS turnpike and his card got shut down, wow did we catch be nice, but why was his card in Kansas when he rarely leaves Iowa thought the computer? As luck would have it, it was during normal business hours so we called the processing company and 10 minutes later it was back live. I would think that the bank would honor the checks that had been written. No fault of your mom's that she got scammed. They are going to make her whole anyway, so why not save her the pita of calling everyone and getting it stopped. You don't need to cut up the debit cards, just call the bank and see if they can drop the daily limit so that if someone is trying to clean you out it takes them a while and you can at least have a chance of catching it before your account gets down to $.18. Also, if you're traveling call the bank and say I'm going to X, they will probably give you a number to call if there are any problems and they can get ahead of anything that gets flagged. Moral of the story is the bank doesn't want to have to deal with a fraud deal any more than you do, so we try to build in safety features. [/QUOTE]
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