Disney Information Station Logo

Go Back   The DIS Discussion Forums - DISboards.com > Global Neighbours > UK DVC Discussion
Find Hotel Specials & DIScounts
 
facebooktwitterpinterestgoogle plusyoutubeDIS UpdatesDIS email updates
Register Chat FAQ Tickers Search Today's Posts Mark Forums Read





Reply
 
Thread Tools Rate Thread Display Modes
Old 08-18-2011, 01:39 PM   #91
PrincessSuzanne
Guess I will be eating crow tonight
Good thing I can be quiet when necessary
 
PrincessSuzanne's Avatar
 
Join Date: Jan 2007
Location: Phenix City, Alabama/War Eagle...Go Tigers
Posts: 9,542

The Suntrust caught my eye, then I realized this is a thread for people living in the UK, using the Suntrsut in Florida.

Suntrust is changing this for EVERYONE, it doesn't matter where you live. I have been with Suntrust for abour 4 years and was told that my account would NEVER change because they hold our mortgage, well lo and behold, I got the letter in the mail and sure enough, the policy is changing, no matter where you live.

You might want to look else where, this is a new policy pretty much for all US banks based on a Federal law/policy changes. I am shopping around for a new bank/credit union.
__________________
PrincessSuzanne is offline   Reply With Quote
Old 08-19-2011, 06:50 AM   #92
Oglet
DIS Veteran
 
Oglet's Avatar
 
Join Date: Apr 2010
Posts: 1,825

Quote:
Originally Posted by PrincessSuzanne View Post
The Suntrust caught my eye, then I realized this is a thread for people living in the UK, using the Suntrsut in Florida.

Suntrust is changing this for EVERYONE, it doesn't matter where you live. I have been with Suntrust for abour 4 years and was told that my account would NEVER change because they hold our mortgage, well lo and behold, I got the letter in the mail and sure enough, the policy is changing, no matter where you live.

You might want to look else where, this is a new policy pretty much for all US banks based on a Federal law/policy changes. I am shopping around for a new bank/credit union.
I live in the US and we received our letter a few weeks ago from them. My wife called and got pretty much the same information that you all have been saying. This change has nothing to do with them needing to do it, It's being done simply because they CAN do it.

The $5 per month for unlimited ATM transactions is what has annoyed me more than anything. If you use a non Suntrust ATM your going to pay $2 - $3 for the transaction anyway, It's just another way the banking industry has decided to collect fees when the federal government prevented them from another way.

We are actually looking at other banking options such as credit unions.
__________________
Oglet is offline   Reply With Quote
|
The DIS
Register to remove

Join Date: 1997
Location: Orlando, FL
Posts: 1,000,000
Old 08-19-2011, 07:35 AM   #93
PrincessSuzanne
Guess I will be eating crow tonight
Good thing I can be quiet when necessary
 
PrincessSuzanne's Avatar
 
Join Date: Jan 2007
Location: Phenix City, Alabama/War Eagle...Go Tigers
Posts: 9,542

Quote:
Originally Posted by Oglet View Post
I live in the US and we received our letter a few weeks ago from them. My wife called and got pretty much the same information that you all have been saying. This change has nothing to do with them needing to do it, It's being done simply because they CAN do it.

The $5 per month for unlimited ATM transactions is what has annoyed me more than anything. If you use a non Suntrust ATM your going to pay $2 - $3 for the transaction anyway, It's just another way the banking industry has decided to collect fees when the federal government prevented them from another way.

We are actually looking at other banking options such as credit unions.
I just got my letter this week. The $5/mo is more than just ATM's, it is also for each time you swipe it at retailers, and it appears that most banks are going to be doing this, because I have looked into all the banks in our area and they are all doing away with free checking.

Apparently our nice Gov't has decided to increase or add fees to retailers when a check card is swiped, so the banks are passing these fees on to the customer.

My husband and I have an acct thru USAA and they polled their customers to find out what options were most improtant to them and decided to do away with their rewards program and keep banking entirely free.

I have a savings with a local credit union, and that is where I opened my first checking acct, they were charging $3.95/mo to have a check card, so I moved to a bank with free checking, but it looks like the credit union has dropped that fee, so I may just move myself back there. If not, I will add another checking acct with USAA.
__________________
PrincessSuzanne is offline   Reply With Quote
Old 08-22-2011, 02:32 PM   #94
crabbie1
DIS Veteran
 
crabbie1's Avatar
 
Join Date: Oct 2006
Location: kingswinford uk
Posts: 3,540

I am getting really confused now So suntrust charge a monthly fee for the account now? And what do they charge everytime the card is swiped e.g in a department store?
I can understand the monthly fee but not a charge for every time the debit card is swiped.
I have emailed sun trust 4 times now and they have been useless I am sad to say.I asked where the nearest branch was near to down town disney: How much to open the account: and what id was definatley needed.They never answered anything directly and sent me a list of ID for US citizens a list as long as my arm.When I emailed back and explained I was from the UK and they answered saying I would have to speak to the branch manager??? No address or phone number or whom to contact. Are there not any other banks us a UK citizens can open as so far there customer service has been terrible.
Do I really need to open one or can I simply load up my fairfx card to pay monthly dues?
I would like to for future trips I suppose so I can pay dolllors in. Does anyone know the address for the citibank at DTD or any other banks that do offer accounts.
__________________
[link=http://distickers.com/ticker/][img noborder]http://distickers.com/ticker/tickers/mcqy6efeovttz4hh.png[/img][/link]
crabbie1 is offline   Reply With Quote
Old 08-22-2011, 02:59 PM   #95
Brandis
DIS Veteran
 
Join Date: Jan 2007
Location: Zurich, Switzerland
Posts: 1,417

I'm not aware of a Citibank at DTD, as far as I know, there is only a Suntrust bank office there, right across the street from Ghirardelli:

http://maps.google.com/?ll=28.371245...h&z=19&vpsrc=6

I only brought my passport and $100 to open an account. Took about 30 min. No charge to open an account, but as was said in the beginning of this thread, there might be a monthly charge if your account contains less than $500.

DVC only accepts direct debit from US bank accounts for monthly dues payment, so unless your Fairfax card is connected with a US bank account, that won't work.
__________________
Brandis is offline   Reply With Quote
Old 08-22-2011, 03:16 PM   #96
PrincessSuzanne
Guess I will be eating crow tonight
Good thing I can be quiet when necessary
 
PrincessSuzanne's Avatar
 
Join Date: Jan 2007
Location: Phenix City, Alabama/War Eagle...Go Tigers
Posts: 9,542

I went back and looked at the Basic Everyday checking has a $7 monthly maintenance fee as well as $5/mo for unlimited Check Card purchases, to get the $7 fee waived, you must maintain $500 minimum collected daily balance or direct deposit, but you still have the $5/mo fee.

But be warned, again, that most banks in the US are changing to do this due to the increase in processsing fees at the point of sale, if you swipe your card.

I am not sure what other banks are in the area, we bank with Suntrust and I know about the one across from DTD.
__________________

Last edited by PrincessSuzanne; 08-22-2011 at 03:22 PM.
PrincessSuzanne is offline   Reply With Quote
Old 08-22-2011, 03:19 PM   #97
Brandis
DIS Veteran
 
Join Date: Jan 2007
Location: Zurich, Switzerland
Posts: 1,417

Another Suntrust branch is in downtown Celebration.
__________________
Brandis is offline   Reply With Quote
Old 08-22-2011, 03:27 PM   #98
crabbie1
DIS Veteran
 
crabbie1's Avatar
 
Join Date: Oct 2006
Location: kingswinford uk
Posts: 3,540

Quote:
Originally Posted by Brandis View Post
I'm not aware of a Citibank at DTD, as far as I know, there is only a Suntrust bank office there, right across the street from Ghirardelli:

http://maps.google.com/?ll=28.371245...h&z=19&vpsrc=6

Thankyou I meant suntrust.Dont know where citibank came from

I only brought my passport and $100 to open an account. Took about 30 min. No charge to open an account, but as was said in the beginning of this thread, there might be a monthly charge if your account contains less than $500.
Yes I am aware of this

DVC only accepts direct debit from US bank accounts for monthly dues payment, so unless your Fairfax card is connected with a US bank account, that won't work.
I have heard of other UK dvc members paying with a fairfx card.Thhis is not attatched to a bank account it is a pre paid master card.

Quote:
Originally Posted by PrincessSuzanne View Post
I will go back and double check my letter on the fees to use the check card.

But be warned, again, that most banks in the US are changing to do this due to the increase in processsing fees at the point of sale, if you swipe your card.


I am not sure what other banks are in the area, we bank with Suntrust and I know about the one across from DTD.
This is really harsh.Its better just to get cash out the cash points.I presume they do free cash withdrawals This is not a CC so I find this quite bad to charge for regular purchases. I could understand if it was a CC but not a regular debit card.Never mind.Thankyou both. I can see from your map where it is now. Just need to take the right documents now and see if we can deposit $500.
__________________
[link=http://distickers.com/ticker/][img noborder]http://distickers.com/ticker/tickers/mcqy6efeovttz4hh.png[/img][/link]

Last edited by crabbie1; 08-22-2011 at 03:37 PM. Reason: adding some more
crabbie1 is offline   Reply With Quote
Old 08-22-2011, 04:27 PM   #99
techandy
Earning My Ears
 
Join Date: Sep 2009
Posts: 11

Just a point to note is that I also took an original copy of my UK bank statement from the, along with a water and council bill (original copies) along with my driving licence and passport - This was after I called them at the LBV branch before going (August 2010) to confirm exactly what documents they wanted me to take, to just open with a passport wouldn't be acceptable they needed further proof UK residence (address) oh and my DVC membership details.. So… to cover all bases I also took a copy of my DVC (i think mortgage documentation) … the guy who opened my account has now left Sun Trust, but seemed to want copies of everything…

Normally to open an account in the US you need a social security number, but with all this they waived it. I also needed to sign a W-8BEN form "Certificate of Foreign Status of Beneficial Owner for United States Tax Witholding"
techandy is offline   Reply With Quote
Old 08-22-2011, 04:34 PM   #100
Elise79
Moderator
 
Elise79's Avatar
 
Join Date: Aug 2006
Location: East Anglia, UK
Posts: 4,655
DISboards Moderator

The debit (or check) card fee is $5 per month the card is used. I am assuming you still draw cash for free at the ATM at the branch.

I have looked and can not find any banks that have a free checking account now

Also you can only use the fair fx card to pay your dues if you pay them in a lump sum in January. Monthly payments can only be taken from a US bank account.
__________________

Dec 2013 - BLT July 2013 - OKW April 2013/Dec 2012 - BLT June 2012 - BLT & OKW Feb 2012 - OKW Sept 2011 - BWV & BLT May 2011 - BCV & BLT Nov 2010 - BLT & CR Tower Club May 2010 - BLT Sept 2009/March 2009/April 2008/Sept 2007/Sept 2006 - CSR Feb 2008 - DLRP Newport Bay (First DLRP Trip) April 1999 - WDW Offsite in Villa June 1998 - WDW Offsite July 1989 - WDW Offsite
Elise79 is offline   Reply With Quote
Old 08-22-2011, 05:17 PM   #101
crabbie1
DIS Veteran
 
crabbie1's Avatar
 
Join Date: Oct 2006
Location: kingswinford uk
Posts: 3,540

Quote:
Originally Posted by Elise79 View Post
The debit (or check) card fee is $5 per month the card is used. I am assuming you still draw cash for free at the ATM at the branch.

I have looked and can not find any banks that have a free checking account now

Also you can only use the fair fx card to pay your dues if you pay them in a lump sum in January. Monthly payments can only be taken from a US bank account.
Ahh thts good then so i can put dollors on faifx card every month and pay at the time dues are due. Im just thinkin of options incase i cant open this bank account. Thanks elise
__________________
[link=http://distickers.com/ticker/][img noborder]http://distickers.com/ticker/tickers/mcqy6efeovttz4hh.png[/img][/link]
crabbie1 is offline   Reply With Quote
Old 08-23-2011, 12:23 PM   #102
Lizzim
Mouseketeer
 
Lizzim's Avatar
 
Join Date: Mar 2010
Location: Dorset, UK
Posts: 210

Quote:
Originally Posted by crabbie1 View Post
Ahh thts good then so i can put dollors on faifx card every month and pay at the time dues are due. Im just thinkin of options incase i cant open this bank account. Thanks elise
Sorry, but you will not be able to pay dues monthly on a fairfx card - this option is only available by making direct payments from a US bank account (like a direct debit).
__________________
Lizzim is offline   Reply With Quote
Old 08-24-2011, 03:15 AM   #103
crabbie1
DIS Veteran
 
crabbie1's Avatar
 
Join Date: Oct 2006
Location: kingswinford uk
Posts: 3,540

Strange. I hv been told otherwise by dvc direct. I can pay yearly by debit or credit card in one go but monthly i can pay by DD from US account. If we manage to open an account will do it all from there will b easier. Just so much conflicting info on documents needed. Cannot get a straight answer even from suntrust themselves. We will take everything from driv license to utility bill passport .
__________________
[link=http://distickers.com/ticker/][img noborder]http://distickers.com/ticker/tickers/mcqy6efeovttz4hh.png[/img][/link]
crabbie1 is offline   Reply With Quote
Old 08-24-2011, 11:56 AM   #104
Lizzim
Mouseketeer
 
Lizzim's Avatar
 
Join Date: Mar 2010
Location: Dorset, UK
Posts: 210

Quote:
Originally Posted by crabbie1 View Post
Strange. I hv been told otherwise by dvc direct. I can pay yearly by debit or credit card in one go but monthly i can pay by DD from US account. If we manage to open an account will do it all from there will b easier. Just so much conflicting info on documents needed. Cannot get a straight answer even from suntrust themselves. We will take everything from driv license to utility bill passport .
Think you may have misunderstood my post - you can pay money to a fairfx card monthly and pay that to DVC in one lump sum but if you want to pay DVC monthly it will need to be from a US account. Sorry if I confused you.
__________________
Lizzim is offline   Reply With Quote
Old 08-26-2011, 04:42 PM   #105
crabbie1
DIS Veteran
 
crabbie1's Avatar
 
Join Date: Oct 2006
Location: kingswinford uk
Posts: 3,540

Quote:
Originally Posted by Lizzim View Post
Think you may have misunderstood my post - you can pay money to a fairfx card monthly and pay that to DVC in one lump sum but if you want to pay DVC monthly it will need to be from a US account. Sorry if I confused you.
Its ok I confused myself We are going to attempt to open an account before we attend the DVC meeting so we can give the details.If we cannot open one for some reason will dvc take the payments from our UK bank account/building society account and our yearly dues from fairfx card or will we have to pay it all from fairfx card??
sorry just want to be prepared before we go and looking at worse scenario.
Also as we are having the finance will they need a card for the payment for the deposit or will they accept cash/TC? If they need a card I will have to leave the money in the bank before we go
__________________
[link=http://distickers.com/ticker/][img noborder]http://distickers.com/ticker/tickers/mcqy6efeovttz4hh.png[/img][/link]
crabbie1 is offline   Reply With Quote
Reply



Thread Tools
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is On

Forum Jump

facebooktwitterpinterestgoogle plusyoutubeDIS Updates
GET OUR DIS UPDATES DELIVERED BY EMAIL



All times are GMT -5. The time now is 05:21 AM.

Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

Copyright © 1997-2014, Werner Technologies, LLC. All Rights Reserved.