Originally Posted by bishop2queen's6
I really didn't need all this hassle right now... I can pull cash from a branch store. I'm thinking of pulling all but $100 from each of my accounts at Citi, and putting them into my other accounts at different banks so at least I'll have money to spend instead of waiting with my hands tied.
All and all, I think it will take about 1 month before I'll see disputed charges reimbursed.
This is exactly why I encourage people to not use debit cards for electronic point-of-sale. Use a credit card, because with a dispute, you're actual money isn't tied up.
I don't even carry my ATM/debit card anymore. I carry some emergency cash, but use my AmEx charge card exclusively (with a Visa credit card as backup for places that don't take AmEx. Whenever I need cash, I usually just walk into the bank and just provide proof of ID and my account number.
I also attempt to minimize the amount of money in my checking account as much as possible. I transfer the bulk to a savings account so there's another hoop to jump through to get to my actual money.