wanted: bank that doesnt make me call them to make online purchases (Wells: credit card, buy)

[KM1174]

so i recently discovered that my bank has some weird block (due to fraud they claim) on 20+ states for online purchases. if their member services line is closed for the day, guess what? youre screwed til they open. i dont think its too much to ask for there to be a 24 hour number to call to get something like that removed if theyre 'offering' it as a service. i use that term lightly, as they claim there is no way to permanently remove it.

so, hopefully someone can suggest a credit union that has lax joining rules (wife and i work in gov't if that helps) and little to no rules regarding where i can spend my money.

i was able to evade my CU's filter until recently, when they seemed to have started blocking certain paypal transactions. they might be coming out of a banned state, but its happened on account loads also (putting money into my pp account).

[SoHungry]

I know SACU likes to block. I have to use sites that use Google Checkout to use the SACU debit card on the sites I buy from.

So far I haven't encountered weird blocks with Firstmark Credit Union.

[TexasRedneck]

Have had no issues w/Randolph-Brooks FCU, and I buy stuff from all over the country.

[swagger]

I would close my account the same day. There is NO reason to block an entire state, much less 20 of them. I would be absolutely irate, and woud be there the same day to pull out my cash.

Why are you locked into a CU? I've been pretty happy with Wells Fargo and US Bank. Not as much with Chase, but still have my primary personal account with them.


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[Me007gold]

Both USAA and SSFCU have treated me well over the years.

[IonRedline08]

I am sure you know this already, but, you really should just use a Credit Card for any online purchases.. A lot more protection and they won't have your money tied up.

That said, I am a member of RBFCU, and I love them!

[swsatx]

Wells Fargo may be a national bank but I have had no problems with them and debit online purchases.

[Fishingal22]

Randolph Brooks is great. Never had any issues and I constantly purchase items online from different websites

[taraox]

I'm with Chase and I shop online all the time with no issues... I have alerts set up so that it notifies me automatically (by email) if I make a transaction over a certain amount... If I made the transaction, I ignore the email. But if it happened to be fraudulent, then you can call the bank hotline thing. I also travel from state to state as well as Canada pretty often (sometimes a few different areas of the country in the same day!) and they've never given me a problem. I guess with the alerts set up, if there was an issue, I'd be able to contact them instead.

[AFMike]

Originally Posted by swagger

i would close my account the same day. There is no reason to block an entire state, much less 20 of them. I would be absolutely irate, and woud be there the same day to pull out my cash.

+1