If You Bank With Wells Fargo

[davos]

I had to bay a nice fat bill today but had to call customer service to increase.  It was no biggie and you can adjust it to whatever amount you want.  It's a self-adjusting security measure, it just had to be set at the get go to get started. 

[Davidson Deac II]

I wouldn't use a bank or credit union that doesn't have that.  Fwiw, if you have something to pay that large, you can always use a check, a money order, or a credit card. 

[Chimera]

I think almost all banks do this. I have only had that issue once - I just called and waited about five minutes for it to be approved.

I didn't realize I could call and have the limit raised or lowered. I may have to get mine lowered since, at least four times since 2009, someone has used my account for purchases over $600.

[SOJA]

On 1/28/2016 at 7:48 PM, SmokinwithWilly said:

I actually reduced mine to $300. I know how much I generally spend on average, and anything over that amount is going to be a large purchase so I know to call ahead of time to up my limit for the day. With access to credit card info so easy to obtain, keeping a tight reign on your spending limit is not a bad thing. 

until you get drunk and try to buy $500 dollars worth of collector edition beanie babies.....oh cmon don't act like I'm the only one

[Panthro]

I like this level of protection on my debit card. If they hack your cash then your are SOL longer than if they hack a credit card. I just had someone hack my online banking and send themselves $700. I had to set up all new accounts. For me to have recovered that $700 cash vs if there was fraud on my amex is a lot of time and hassle. If I need to buy something big I will use my credit card to grab the points then set up a payment from the bank acc. 

[SmokinwithWilly]

8 hours ago, SOJA said:

until you get drunk and try to buy $500 dollars worth of collector edition beanie babies.....oh cmon don't act like I'm the only one

If by beanie babies you mean little people porn, then yes, you aren't the only one. 

[ladypanther]

I had my debit card stolen once and Wells cut it off after  2 swipes totaling about $50.  They know your spending habits.  I have never purchased cigarettes and that was apparently the 2nd thing the thief purchased.  That security system is amazing and kept my bank account from being drained.