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Thread: My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

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    Angry My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

    Went to deposit my SM check at an atm, as I always have done. As soon as I inserted my atm card, a window popped up and said that the atm was out of service!!! OMG!! That card was my ONLY way to have money,Plus it had a visa logo.
    I called the 1-800 number,- they closed the card, and after getting a temp card at a branch the next day, I now, not only must wait up to 10 days for my new replacement card, but can't use my temp card as a visa!
    Plus, a lot of my bills I pay, use that card that got stuck to deduct my payments. ARGGHHH!!!

    All this to say, that I tried to do a search on here about the daily pay from SM, or at least direct deposit, and nothing came up.
    Other than payoneer, (which i'm not too keen on setting up), is there a way to get my pay directly into my acct, (without any fees), so I don't have to worry about this happening again?
    Thanks ladies. I'm soooo freaking out here, knowing a holiday is coming up on Monday, I'm worried that i will run out of cash, or need something that can be paid for by only a credit card, which is what the lost card was used for as well.)

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    Default Re: My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

    You can get a wire transfer, but the only free option is paper check - you have to pay for the transfer.

    You could use payoneer, but you still need to use machines to withdraw.

    My advice? Do what I do, and always pay in checks at the teller, not at the ATM. I have to do this, because I have to have them manually take off the hold and convert it from US to Canadian $, but it also means that there are no mistakes, no card-swallowing, no problem. Well - you do have to make sure you can get to the bank within opening hours, and pay in stuff you need before the weekend, but I would rather do that than pay the wire transfer fee.

    Sorry this happened to you babe!

    For your bills - can't you transfer the money into that account online, or manually pay the bills via cash or check - or even get a pre-paid visa from moneymart just to use this month to pay the bills? I'm sure if you called the company and said "hey, I have an authorized draw for this date on this card, but the card was destroyed. I need you to cancel that pre-auth, and I will pay you now using this card, or I have gone into the store and paid cash, or I have sent a check." they will be fine with that - they just want to get the money.
    I take cash, debit or credit. I just don't take shit.


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    Default Re: My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

    This has happened to a few girls on here recently. I personally just use payoneer and just deal with the fees because it seems like the best option. The load fees are tax-deductible. I personally like the money coming in when I know its coming in, and then being able to remove it via any ATM (yes fees, but worth it for me). You should know though, Payoneer does have a lot of issues with holds and ordering some things online. I once ordered a pizza and it declined my card but had the hold sit on my account for like 10 days for the full amount. There was more than enough money in my account, Payoneer is just weird sometimes because its a prepaid card and not all places take those. It will also sometimes decline my card if I have too many pending credit transactions at one time, even if I have enough money in my account. I get nervous using it when its not an in-person debit transaction because it might decline randomly. Also, it will charge you like $3.85 or something if you want cash back with any debit transaction. So just know about things like that. Most girls usually just remove large amounts of cash from their card and pay cash though.

    For my content, I usually opt for direct deposit into my real bank account though because its free on those sites (SM charges $40 I think for wire transfer).

    Payoneer can deposit it into your real bank account, but it will take an addition 3-5 days for it to show up in your account. That's another safe option. And it will bypass the $40 fee and only charge you $5-$10 for everything. You can't transfer money from your Payoneer account into your real bank account though, or vice versa. It would be convenient if they added that feature, but I suspect that would require Payoneer to issue you an an account number with them, and that would mean you would need to declare your Payoneer card with the IRS as a foreign bank account. Something like that, my accountant was explaining that to me the other day.

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    Default Re: My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

    I switched to payoneer.

    it is only 3 bucks for the direct deposit and no fees when using bank account.

    No waiting 2 weeks for checks to clear, no atm eating my check, no lost mail....

    For Sm the minimum payout is 100.. nothing.

    Get with Nissim on board here and read my experience.. I was over stressed about money until he explained to me how SM payoneer can work

    You can get the payoneer card or do a simple bank direct deposit
    check into it... I did and wish I did it a long time ago.

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    Default Re: My BIGGEST BANK ATM FEAR HAPPENED!~Question about daily-weekly direct deposit?

    Thanks ladies! i will look into it all~ Too overwhelmed right now to say any more.

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