Using ATM/bank machines in Orlando

[peacefrogdog]

Quick question - when using bank machines/ATM's in Orlando, does anyone know if they automatically take the funds from a savings or chequing account? I have both a Canadian and US savings account and would prefer to be able to withdraw from the US account using an ATM in Orlando. But I'm not sure if I will get a chance to select the account.

Anyone have any experience with this?

Rene

 

[CanadianGuy]

For those with US accounts at a Canadian bank.. the US machines will rarely recognize and allow withdrawals from those accounts.

It really depends in part on who you bank with. Can you provide more info?

Knox

 

[peacefrogdog]

I do my banking at RBC. My US account is a savings account, and I have both Canadian savings and chequing accounts.

 

[DutchsMommy]

I am doubting it. In general, because our currency is CDN must banks only have the USD acccount linked to the card to allow for balance inquiries and online banking transactions. I am with BMO and we definately do not have direct access to USD funds in a USD account via ATM card.

 

[CanadianGuy]

For many years, I had an RBC US$ savings account and it was only accessible from Canada as noted by the previous poster. I could not ever access that account from the US on any ATM.

I'm not sure if things have changed but I'd be surprised.

Knox

 

[MaMudduck]

I work for the bank and you can only access your US account if it is programmed to your Primary "Chequeing" or "Savings" button.

These buttons are only place holders, so it depends where you/or your bank have placed it on your card. If your US account is attached to your "other" slot you will probably NOT be able to access your US account. (It might depend on the bank machine you’re using and if the option is even available)

Having said that, with 99.9% of bank card will allow you to take money out of your chequeing account and it will dispense it in US cash BUT there will be a exchanged difference (conversion amount from Cdn to US) and an international ATM fee - my bank charges a flat fee of $3.00 CDN.

Bottom Line:
"Chequeing" button is account #1
"Savings" button is account #2
Every other account you have access to will be listed under "other" or "additional account" and with my bank you can have up to 10 "others" (again most times can't access these outside of Canada)
The name DOESN"T identify the type of account.
Call your bank's telephone banking phone number and ask where your US account is linked on your card, get it changed IF they'll allow direct withdrawals.

Oh and if your going to take money out with your bank/debit card. Tell the bank.....so they don't cancel your card, thinking it's been stolen and been used suspiciously. You won't have access to your bank account until you go home to the bank.

 

[F4disneyfan]

Quick question - when using bank machines/ATM's in Orlando, does anyone know if they automatically take the funds from a savings or chequing account? I have both a Canadian and US savings account and would prefer to be able to withdraw from the US account using an ATM in Orlando. But I'm not sure if I will get a chance to select the account.

Anyone have any experience with this?

Rene

Unless you have your US account set up on your bank card for access at the ATM (most banks in Canada do not do this) then it will use your Canadian funds chequing/savings account. Also watch for the service charges levied by the US ATM machines and banks they can be hefty and then the surcharge from your Canadian bank can sometimes be as much as 3 bucks per transaction at an ATM in the US.

 

[dishguy1977]

I'm pretty sure most CDN banks do not allow ABM access to their US denominated accounts. Another alternative is to get a US$ credit card and use that and then pay that from your US account when you get back.