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Banking considerations for long trip. #8814709 03/08/23 07:10 PM
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Ramsey Offline OP
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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.

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Re: Banking considerations for long trip. [Re: Ramsey] #8814714 03/08/23 07:13 PM
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Your ATM card should work anywhere. Do you anticipate needing to go into a branch?


Originally Posted by unclebubba
Just to make sure that it is done thoroughly, I go both ways.

Re: Banking considerations for long trip. [Re: Ramsey] #8814715 03/08/23 07:14 PM
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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.

Re: Banking considerations for long trip. [Re: TexFlip] #8814731 03/08/23 07:24 PM
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Originally Posted by TexFlip
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!!
Re: Banking considerations for long trip. [Re: texasag93] #8814734 03/08/23 07:27 PM
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Originally Posted by texasag93
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.



Re: Banking considerations for long trip. [Re: Ramsey] #8814737 03/08/23 07:31 PM
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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

Re: Banking considerations for long trip. [Re: Ramsey] #8814742 03/08/23 07:36 PM
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ATM , MC and AMEX should cover everything without needed a new bank.


Originally Posted by unclebubba
Just to make sure that it is done thoroughly, I go both ways.

Re: Banking considerations for long trip. [Re: Ramsey] #8814749 03/08/23 07:45 PM
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venmo and venmo debit card. easy peasy back up


Donate to TX Youth hunting program.... better to donate then to waste it in taxes

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Re: Banking considerations for long trip. [Re: Ramsey] #8814753 03/08/23 07:57 PM
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CC Cards. Just pay um off every month. No problem using them anywhere.

Re: Banking considerations for long trip. [Re: BOBO the Clown] #8814754 03/08/23 08:02 PM
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Originally Posted by BOBO the Clown
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)


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Re: Banking considerations for long trip. [Re: Ramsey] #8814755 03/08/23 08:02 PM
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They take credit cards there.

Last edited by el Rojo; 03/08/23 08:03 PM.
Re: Banking considerations for long trip. [Re: Ramsey] #8814778 03/08/23 08:38 PM
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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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Originally Posted by Stub
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.


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Re: Banking considerations for long trip. [Re: Ramsey] #8814786 03/08/23 08:55 PM
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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.

Re: Banking considerations for long trip. [Re: Ramsey] #8814837 03/08/23 10:27 PM
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Venmo, PayPal, some cash and a Master Card never failed me

Re: Banking considerations for long trip. [Re: Ramsey] #8814840 03/08/23 10:30 PM
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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.

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Re: Banking considerations for long trip. [Re: Ramsey] #8814880 03/09/23 12:01 AM
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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

Re: Banking considerations for long trip. [Re: Ramsey] #8814886 03/09/23 12:06 AM
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Pull 50 grand in cash and take me with ya. I’ll guard it with my life for ya


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Re: Banking considerations for long trip. [Re: glens] #8815021 03/09/23 09:44 AM
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Originally Posted by glens
CC Cards. Just pay um off every month. No problem using them anywhere.


Anywhere?

Travel around many places don't take CC

Re: Banking considerations for long trip. [Re: majekman] #8815022 03/09/23 09:44 AM
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Originally Posted by majekman
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

Re: Banking considerations for long trip. [Re: Bullfrog] #8815023 03/09/23 09:46 AM
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Originally Posted by Bullfrog
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

Re: Banking considerations for long trip. [Re: Stub] #8815024 03/09/23 09:47 AM
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Originally Posted by Stub
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

Re: Banking considerations for long trip. [Re: RedRanger] #8815041 03/09/23 12:02 PM
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Originally Posted by RedRanger
Originally Posted by Stub
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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Originally Posted by Stub
Originally Posted by RedRanger
Originally Posted by Stub
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.


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Re: Banking considerations for long trip. [Re: Stub] #8815071 03/09/23 01:12 PM
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Originally Posted by Stub
Originally Posted by RedRanger
Originally Posted by Stub
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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