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Banking considerations for long trip.
#8814709
03/08/23 07:10 PM
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Joined: Dec 2011
Posts: 13,802
Ramsey
OP
Pepe' Le Pew
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OP
Pepe' Le Pew
Joined: Dec 2011
Posts: 13,802 |
I am driving to Alaska in May and will be gone 3.5 to 5 months and trying to make financial considerations. Both of my banks are regional Simmons and First United. I am considering opening up a Wells Fargo account as they have branches everywhere I am staying. Taking $2,000 CAD and $2,000 US I have MC and Amex. But I want to be prepared in case of emergency. I dont want to cause extra work, but want to be prepared, Any advise will be appreciated.
Last edited by Ramsey; 03/08/23 07:10 PM.
Big Beckett!!
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814714
03/08/23 07:13 PM
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Joined: Aug 2012
Posts: 15,147
TexFlip
THF Celebrity
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THF Celebrity
Joined: Aug 2012
Posts: 15,147 |
Your ATM card should work anywhere. Do you anticipate needing to go into a branch?
Just to make sure that it is done thoroughly, I go both ways.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814715
03/08/23 07:14 PM
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Joined: Apr 2009
Posts: 9,833
texasag93
THF Trophy Hunter
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THF Trophy Hunter
Joined: Apr 2009
Posts: 9,833 |
Do they still sell traveler's checks?
A few prepaid Visa/ MC cards hidden well in the vehicle.
I always keep enough cash in the truck (or airplane) to pay for enough fuel to get home.
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Re: Banking considerations for long trip.
[Re: TexFlip]
#8814731
03/08/23 07:24 PM
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Joined: Dec 2011
Posts: 13,802
Ramsey
OP
Pepe' Le Pew
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OP
Pepe' Le Pew
Joined: Dec 2011
Posts: 13,802 |
Your ATM card should work anywhere. Do you anticipate needing to go into a branch? I do not anticipate needing to go to a branch, this is unfamiliar territory for me.
Big Beckett!!
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Re: Banking considerations for long trip.
[Re: texasag93]
#8814734
03/08/23 07:27 PM
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Joined: Oct 2008
Posts: 15,141
68rustbucket
THF Celebrity
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THF Celebrity
Joined: Oct 2008
Posts: 15,141 |
Do they still sell traveler's checks?
A few prepaid Visa/ MC cards hidden well in the vehicle.
I always keep enough cash in the truck (or airplane) to pay for enough fuel to get home. Even if travelers checks were still sold, I doubt anyone would take them. I had a hard time using them in the early 80’s.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814737
03/08/23 07:31 PM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
Open a Charles Schwabb account online, Transfer some funds into it or go to Schwabb Bank but they will have you use a computer in lobby to open the account
Get a debit card, you can use any ATM worldwide and they refund you any ATM fees
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814742
03/08/23 07:36 PM
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Joined: Aug 2012
Posts: 15,147
TexFlip
THF Celebrity
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THF Celebrity
Joined: Aug 2012
Posts: 15,147 |
ATM , MC and AMEX should cover everything without needed a new bank.
Just to make sure that it is done thoroughly, I go both ways.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814749
03/08/23 07:45 PM
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Joined: Apr 2007
Posts: 57,955
BOBO the Clown
kind of a big deal
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kind of a big deal
Joined: Apr 2007
Posts: 57,955 |
venmo and venmo debit card. easy peasy back up
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814753
03/08/23 07:57 PM
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Joined: Feb 2008
Posts: 13,704
glens
THF Celebrity
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THF Celebrity
Joined: Feb 2008
Posts: 13,704 |
CC Cards. Just pay um off every month. No problem using them anywhere.
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Re: Banking considerations for long trip.
[Re: BOBO the Clown]
#8814754
03/08/23 08:02 PM
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Joined: May 2009
Posts: 23,541
dkershen
Rev Dave
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Rev Dave
Joined: May 2009
Posts: 23,541 |
venmo and venmo debit card. easy peasy back up I was thinking the same thing. Venmo account and debit card attached to one of your banks. Gives you backup access to cash as needed and easy way to pay someone if you run into a major cost (i.e. - shell an engine or transmission, or find a gun you can't live without)
To be sure of hitting the target, shoot first and call whatever you hit the target.www.NewHopeEquine.com - Health and Healing through Horses.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814755
03/08/23 08:02 PM
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Joined: Feb 2011
Posts: 1,313
el Rojo
Pro Tracker
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Pro Tracker
Joined: Feb 2011
Posts: 1,313 |
They take credit cards there.
Last edited by el Rojo; 03/08/23 08:03 PM.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814778
03/08/23 08:38 PM
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Joined: Apr 2005
Posts: 41,745
Stub
THF Celebrity
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THF Celebrity
Joined: Apr 2005
Posts: 41,745 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
Last edited by Stub; 03/08/23 08:39 PM.
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Re: Banking considerations for long trip.
[Re: Stub]
#8814782
03/08/23 08:52 PM
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Joined: Sep 2012
Posts: 13,980
Jimbo1
THF Celebrity
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THF Celebrity
Joined: Sep 2012
Posts: 13,980 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
Best advice given.
FJB - Lets Go Brandon BBB - Bring Back Better Awake - Not Woke!
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814786
03/08/23 08:55 PM
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Joined: Mar 2013
Posts: 4,799
jetdad
Extreme Tracker
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Extreme Tracker
Joined: Mar 2013
Posts: 4,799 |
A good credit card should suffice. Take your pick of the big banks. Just make sure they don't charge you any international fees for your Canadian leg, some do. your debit card should work in any bank branch. I would stay away from any stand alone ATM's. Sounds like a nice trip.
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814837
03/08/23 10:27 PM
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Joined: Feb 2010
Posts: 11,296
GusWayne
THF Celebrity
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THF Celebrity
Joined: Feb 2010
Posts: 11,296 |
Venmo, PayPal, some cash and a Master Card never failed me
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814840
03/08/23 10:30 PM
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Joined: Oct 2004
Posts: 21,251
Superduty
"The Regulator"
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"The Regulator"
Joined: Oct 2004
Posts: 21,251 |
I am with Wells Fargo, call them and have them raise your withdrawal limits per single transaction.
I hear you can withdraw over 4K, if needed do not know what their cap is.
Last edited by Superduty; 03/08/23 10:33 PM.
'It's Only Treason if You Lose."
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814880
03/09/23 12:01 AM
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Joined: Oct 2009
Posts: 4,395
majekman
Extreme Tracker
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Extreme Tracker
Joined: Oct 2009
Posts: 4,395 |
I would double the cash....I travel a lot and have found cash has helped me out more times than I can remember. Plus having cash for that one thing that you’ve always wanted Prob just me but cash still rules the day. Cash has saved me a lot of money
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Re: Banking considerations for long trip.
[Re: Ramsey]
#8814886
03/09/23 12:06 AM
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Joined: Jan 2011
Posts: 21,342
Bullfrog
THF Celebrity
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THF Celebrity
Joined: Jan 2011
Posts: 21,342 |
Pull 50 grand in cash and take me with ya. I’ll guard it with my life for ya
![[Linked Image]](https://krdesignsco.com/wp-content/uploads/2019/02/pig.gif) Man if I knew what Oxner knows I could throw away what I know
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Re: Banking considerations for long trip.
[Re: glens]
#8815021
03/09/23 09:44 AM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
CC Cards. Just pay um off every month. No problem using them anywhere. Anywhere? Travel around many places don't take CC
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Re: Banking considerations for long trip.
[Re: majekman]
#8815022
03/09/23 09:44 AM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
I would double the cash....I travel a lot and have found cash has helped me out more times than I can remember. Plus having cash for that one thing that you’ve always wanted Prob just me but cash still rules the day. Cash has saved me a lot of money Exactly
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Re: Banking considerations for long trip.
[Re: Bullfrog]
#8815023
03/09/23 09:46 AM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
Pull 50 grand in cash and take me with ya. I’ll guard it with my life for ya Sadly you have to declare over 10K when entering most countries, or you could have it taken
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Re: Banking considerations for long trip.
[Re: Stub]
#8815024
03/09/23 09:47 AM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
About half my CC tell me now there is no need to do a travel alert anymore. And staying in North America should't be an issue, but it doesn't hurt to be safe
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Re: Banking considerations for long trip.
[Re: RedRanger]
#8815041
03/09/23 12:02 PM
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Joined: Apr 2005
Posts: 41,745
Stub
THF Celebrity
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THF Celebrity
Joined: Apr 2005
Posts: 41,745 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
About half my CC tell me now there is no need to do a travel alert anymore. And staying in North America should't be an issue, but it doesn't hurt to be safe Red What made me think of that was about 12 years ago I took the kids to Bill Smiths Cafe in McKinney off 380 for breakfast, they did not take credit cards and it was one of the few times I did not have enough cash on me to pay the bill. Waitress said we have a ATM machine! Put in my Debit card to get cash and it was declined, we had plenty of money in our account so I drove to the nearest Bank of America. They told me it was turned down out of precaution because I was using it out of our normal shopping area, keep in mind we lived in far N. Dallas that is only 22 miles away! Yes that was around 12 years ago and things have obviously changed for we have not had any problems recently traveling out of state and country with no problems nor did we notify them about our travels. We have one debit card and one credit that is paid off monthly. But you are right, it is better to be safe than sorry!
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Re: Banking considerations for long trip.
[Re: Stub]
#8815055
03/09/23 12:45 PM
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Joined: Dec 2009
Posts: 9,133
The Dude Abides
THF Trophy Hunter
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THF Trophy Hunter
Joined: Dec 2009
Posts: 9,133 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
About half my CC tell me now there is no need to do a travel alert anymore. And staying in North America should't be an issue, but it doesn't hurt to be safe Bill Smiths Cafe in McKinney off 380 It's nothing but a dirt lot now. It was a great breakfast place for sure.
I am still looking for the perfect apron, one with reinforced knee areas would be perfect.
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Re: Banking considerations for long trip.
[Re: Stub]
#8815071
03/09/23 01:12 PM
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Joined: Sep 2004
Posts: 10,889
RedRanger
THF Celebrity
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THF Celebrity
Joined: Sep 2004
Posts: 10,889 |
Whatever Credit Cards you decide to use, notify CC companies of the areas you will be going to so they do not think someone stole your cards and freeze/lock them.
About half my CC tell me now there is no need to do a travel alert anymore. And staying in North America should't be an issue, but it doesn't hurt to be safe Red What made me think of that was about 12 years ago I took the kids to Bill Smiths Cafe in McKinney off 380 for breakfast, they did not take credit cards and it was one of the few times I did not have enough cash on me to pay the bill. Waitress said we have a ATM machine! Put in my Debit card to get cash and it was declined, we had plenty of money in our account so I drove to the nearest Bank of America. They told me it was turned down out of precaution because I was using it out of our normal shopping area, keep in mind we lived in far N. Dallas that is only 22 miles away! Yes that was around 12 years ago and things have obviously changed for we have not had any problems recently traveling out of state and country with no problems nor did we notify them about our travels. We have one debit card and one credit that is paid off monthly. But you are right, it is better to be safe than sorry! I have haven't used a Debit card inside the USA for like 20 plus years, seems like it would be easier to just keep cash on hand I do have Schwabb Debit card I use for international travel
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