ATM Card Suspended

D

doc48

Registered User
Messages
19
Can someone help ?

BOI suspended the use of my ATM card. Have to go to bank when I require to withdraw funds etc.

Suspension was imposed as I defaulted on my credit card repayments.

It went legal and I have now reached an aggrement with BOI solicitors to make monthly repayments.

Contacted the bank but they will not let me use my ATM card until entire arrers are paid.

Is this move on BOI behalf legal ?
 
Can you change your current account to another bank and then get an ATM card with them?
 
You can change banks no problem but bear in mind that they will do a credit check on you and can refuse to open the account if they feel you may be a liability. Do you need the account for payments to go into ? I would try opening elsewhere if this is the case as you have nothing to lose in trying to open an account. As stated it seems a bit silly not to allow you use the ATM as you cant overdraw anyway. Try the credit union perhaps also as you need to take your business elsewhere.
 
Do some Credit Unions now have ATMs?
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No, but they do accept electronic payments if the OP needs an account and they may be a little more forgiving on new accountees.
 
elcato said:
No, but they do accept electronic payments if the OP needs an account and they may be a little more forgiving on new accountees.
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But the OP would still have to go into the CU to withdraw funds. Also, can DDs SOs etc be paid from a CU account?
 
Bluetonic said:
A number of credit unions have ATM facilities, including my local one.
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Can you clarify

Do CUs offer CU branded ATM cards;

or

Do some CUs have ATMs inside/outside the branch?

I was withdrawing cash at an ATM this morning and saw an icon for a Credit Union ATM card which I wasn't aware existed (there was a also an icon for a TSB branded card-NOT ptsb-which I would have thought defunct at this stage).
 
CCOVICH said:
Can you clarify

Do CUs offer CU branded ATM cards;

or

Do some CUs have ATMs inside/outside the branch?

I was withdrawing cash at an ATM this morning and saw an icon for a Credit Union ATM card which I wasn't aware existed (there was a also an icon for a TSB branded card-NOT ptsb-which I would have thought defunct at this stage).
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Balbriggan CU have their own ATM machine on the outside of their building, cards are limited to that machine.

Balbriggan Credit Union last year introduced an ATM to give our members round the clock access to their savings​

CU Cash Card.​
The new Cu cash card can be used at any time to withdraw money from your ATM credit union account or to check balances on this account.​
You cannot use your ATM cu cash card to withdraw money from your normal share account.​
Freedom and convenience ​
24 hour instant access to your cash​
Available 365 days a year ​
No more time wasted queuing for counter withdrawals​
Daily withdrawals upto € 500of available funds​
Online account balance account enquiry​
Charges​
There are no transaction fees or hidden charges. A once off set up fee of € 10 per card is refundable after 25 transactions have been carried out on your ATM card.​
Where you can use your New CU Cash Card​
The ATM CU Cash Card is exclusive to Balbriggan Credit Union members an can be used only at the cash point located outside Balbriggan Credit Union building. Currently no other cash cards are accepted at this point.​
How to Apply for your Cu Cash Card​
Simply complete the application for in our office. A PIN will be issued to you in the office, notification of collection date will be posted to you. It can take upto one month before your card is available. For reasons of security and integrity Balbriggan Credit Union do not have access to member PIN’s. It is important when you receive your PIN to memorise it then destroy it. Do not write down your PIN in any recognisable way or disclose it to anyone. Both your PIN and ATM CU Cash Card can be collected from the Credit Union office. Balbriggan Credit Union reserves the right to refuse any application​
Full terms and conditions are available in our office along with application forms, ask any member of staff for more information.​
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[broken link removed]
 
But the OP would still have to go into the CU to withdraw funds.
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Agreed - I was thinking more in the lines of refusing to deal with BOI and moving. I would be pretty annoyed if it was me and would certainly seek a move despite any inconvenience.
 
Speaking as a banker, accounts only go to the legal dept after a serious amount of neglect.

I don't see how you can blame the bank for a problem you caused yourself !

I'm sure BOI would have no problem with you moving your a/c's as soon as you pay off your debts. People seem to forget that problem a/c's actually cost the bank money, as well as the hassle of having to contact the legal dept everytime you want to withdraw funds, so they're quite happy to see them go elsewhere.
 
Bluetonic said:
Balbriggan CU have their own ATM machine on the outside of their building, cards are limited to that machine.


[broken link removed]
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God! you dont have to pay a stamp duty card tax on that for the one atm machine do you ?
 
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