Reply to How much do you keep in your checking account?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Few thousand at most. That’s all we need to keep there for 1 month expenses and it mitigates the risk of fraud draining our balance. We actually just had a fraudulent transaction happen on a literally brand new debit card (inside job?) and I’m happy we didn’t have a huge amount sitting there just waiting to be stolen. [/quote][/quote]

Lost my reply— had 20K stolen when my wallet was stolen (debit card), since then I just keep a 1-2k buffer. I did get the money back but it was a stressful few days.[/quote]

that’s odd. Most debit card have a max withdrawal amount of $500/day. Do you write your pin on your card or something and didn’t notice it was stolen for weeks?  I’ve had cards lifted a few times without even losing my card and the companies have notified me IMMEDIATELY of suspicious purchases and frozen my cards until they have spoken to me.   Even when my kid went off to college we gave him a card and with his first purchase visa shut it down immediately  saying they saw a purchase in boston that was out of the ordinary.  The released the freeze once we explained where our kid was as school. [/quote]

I like PayPal because if you’re ordering something on line you don’t have to fill out form after form.   Plus I can withdraw up to $1,000 a day because I’m a long time customer.

People can easily use debit cards as credit cards where no PIN is needed.  But you do get your money back in fraud cases.  [/quote]

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