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Withdrawing money from your checking account is easy, right?For most of us, our bank issues us a debit card to use that is associated to a checking account you own.When you use this debit card, it uses your checking account balance.If you make a $100 purchase, $100 is took out of your checking account.Simple, easy and straightforward.
As long as you have your debit card, you can withdraw money from your account.
Well, what would happen if you don’t have your debit card?Could you still get money out of your checking account?After all, it’s your account but if you don’t have your debit card, how can you withdraw money from the ATM?
As long as you own the checking account your debit card is associated with, there’s a few different ways you can withdraw money from your checking account with a debit card.
(1) Withdrawal Slip
f you know your checking account number and have an ID to verify your identity, you can fill out a withdrawal slip at your bank and you can take it to the bank teller.A withdrawal slip is easy to fill out, it often ask for;
The Date
Your Name
Your Account Number
Amount You Want To Take Out
As long as you have everything you need and there’s money in the bank, you can take out as much as you need.
(2) Cashing A Check (At Your Bank)
Since you have a checking account, you should have checks to your account too.If you do have a check, all you need to do is fill it out and take it in the bank to the teller to have it cashed.
With the “Pay To” field, you will want to write “Cash” in this area.Next, you’ll need to fill out the date, amount and sign your check.Once you’ve done that, take it to your local bank and get it cashed.
(3) Cashing A Check (Outside Of Your Bank)
If your bank is closed, you may be wondering where else could you cash your check.Since it’s a personal checking account, you can have a lot of trouble getting it cashed versus having a check from an employer.
Many of us have been in a scenario where we needed a check cashed.Some of you can rely on your local stores to get a check cashed.For example, I often use my local gas station and grocery store to get personal checks cashed.Now, these checks are not for much, the highest being $50, it’s not uncommon for your local stores to limit you on the amount you can get cashed.
You can always go to your local stores to see if that’s an option for you.
(4) Tell Your Bank You Want To Withdraw Cash
If you don’t have a debit card or a withdrawal slip, don’t worry, just go to your local bank teller and let them know you need to withdraw some money.As long as you have your ID and know your account information, they will fill out a slip for you and you’ll have your money soon enough.
(5) Savings Account
If you have a savings account, you can access the money in that account without a debit card.Savings accounts are usually associated with an ATM card.However, even if you don’t have an ATM card, you can withdraw money from your savings account at your local bank.As long as you have your account information and an ID, you can get into your savings account.
If you have your savings account on a mobile app or online, there could be other ways you can get your money.
(6) Cardless ATM
Some banks will provide emergency ATM access to members who have lost their ATM card or have had a stolen card.In this case, a customer representative will give you a code that will allow you to access your money.
(7) Mobile Banking
Another option you have is mobile banking.Bank of America, Chase and Wells Fargo all have mobile banking options, which gives you the ability to access your money with your mobile phone.Rather than having a PIN, you scan a code to withdraw funds from your account.You can download their mobile apps to get access.
Losing Your Debit Card
In the end, losing your debit card is never fun.If you did lose your debit card, here’s everything you need to do right away.
Call and report your debit card lost or stolen
Order a replacement debit card
Once you call the bank and report your card lost, your account will be secured just in case someone has your card and may use it.You will then get a replacement card within 7-10 business days.
If you’ve recently lost your credit card or debit card, even an ATM card, report it immediately.
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