How do I ensure that my ATM card will work while traveling within the US?

I didn’t know these fraud protection measures existed within the US, but they are not uncommon in Europe. They even became more strict recently. In general I am quite happy with this protection. Only three years ago, my bank called me if it is possible that I withdrew money from Brussels and Chicago on the same day. I guess this happened on a regular base and at least in Europe the bank usually takes the loss. From that perspective I can understand their protection mechanisms. You could try to change banks, but I wouldn’t be surprised if the other bank might get a bit more stringent as well.

One solution it to rely less on Cash. I know from experience that this is possible in both California and Florida. Before boarding the plane I exchanged $100 from EURO’s as emergency cash.

The reason is also that compared to the banks in Europe, American Banks are apparently quite liberal in what they can ask for the usage of their ATM’s with foreign cards (ranging from nothing to $25 per transaction). That is on top of what my bank is asking for currency exchange rates. Because of this I try to minimize the use of ATM’s in the US.

So far I have always managed to have a great time with less then $20 of my cash used. I paid all my other expenses with either one of my Credit Cards (AMEX and MC). There were some shops that didn’t except foreign credit cards, but the shop next door always did.

I live between Japan and the US, and travel regularly in Europe and SE Asia. My American bank issued credit cards regularly get blocked for suspected fraud (I should note that two cards have actually been defrauded before).

My solution is to have three credit cards and two debit/check cards spread across two banks so that I always have a backup, and also its good to carry some US cash as its exchangeable everywhere but Yen and Euros aren’t (but not US $100 bills — they have been counterfeited by other governments so much that its hard to find places that will accept them in some countries). Card blocks are annoying, but being stranded sucks worse.

I’ve called my banks enough that I have their support numbers in my phone and on a card in my wallet. The fraud department is simply something I’ve had to learn to work with instead of against (its a waste of 15 minutes to an hour, granted, so best done in the evening over a beer). They say “notify us if you travel” but I’m “traveling” by their definition about 90% of the time so this hasn’t ever had much effect. Almost every time I go somewhere for the first time in a few months at least one card gets shut off.

Card theft is simply a profound annoyance. It is good to keep in mind that Visa really is trying to protect themselves and you. I was pretty upset about this whole card shutoff thing until the first one really was defrauded and Visa refunded my money within a day or two of me catching it. The card shutoff thing didn’t help me there, but Visa just took my word for it and hooked me up (it was $6,000, btw) and my bank sent a new chipped card to the hotel I was staying at. So I’m a lot more patient with the fraud department now than I used to be.

When it comes down to it, it’s often a people problem rather than a system problem. Someone could accidentally write down the note and forget to press the button, or mis-read a flag on your account.

With HSBC in the UK, I travelled to all sorts of countries without notifying them, and despite their ‘security’, never got flagged or blocked. South Africa, Argentina, Morocco, Egypt, no problems…which to me was convenient. Until I got to Bolivia and really really needed it, naturally, that’s when it finally got flagged :/

Other times I’ve notified a bank and still had the card blocked because the system was slow, or someone had clicked the wrong country, or another algorithm flagged it for a different reason (eg multiple ATM withdrawals in one day in a foreign country).

To be safe, always have multiple ways of getting cash. When an ATM swallowed my card in Uzbekistan, I could switch to my other one, and when that failed, at least I had a credit card or two. Carry some emergency cash as well, just in case the ATM network is down (found that out the hard way in Zambia).

What it comes down to, I guess – don’t assume the banking system is infallible, and be prepared.

Try calling them when you’re at the ATM.. they have some very tetchy fraud protection algorithms these days.. We found my traveling companion’s card rejected due to some weird issue but they were able reset the flag on her account with a fairly brief phone call. Based on your experience though, a backup method of getting cash would seem to be in order.