When I go eat at different locations I leave a tip on my card but when I check my account, many times it is for the food and drink amount only and doesn't have the tip deducted. This happens a LOT. Do these servers not get their tip or what?
Tips on debit cards?
- Thread starter R Q
- Start date
rockcity
everyday is a chance to get better
- Joined
- Apr 10, 2005
- Location
- Greenville, NC
They authorize the charge up front and then finalize it with the tip amount later.
And a good tip for debit cards...
Done ever use them, especially at a restaurant. Use a credit card.
And a good tip for debit cards...
Done ever use them, especially at a restaurant. Use a credit card.
- Joined
- Mar 20, 2005
- Location
- Morganton NC
I have had that happen to me too, but later, my statement changes. I try to leave cash when I can. So up to the server if it's reported or not. I also tell them at some point during the meal that I will leave my tip on the table, so make sure to get it before the bus boy gets it.
XJsavage
CounterCulture
- Joined
- Aug 15, 2009
- Location
- Lyle's Ford SC
I had the same thing happen on mine. I actually switched over to Woodforest Bank that's in every Walmart location that I know of. Mainly just for BS petty expenditures What's interesting about it is it sends email updates on everything you spend the second you walk out of a store or restaurant. A lot of times it'll show the full amount as an automatic deduction but the tip amount as a pending for at least a few hours. Either way, having a bank that is open 7 days a week until 7 at night is worth it.
- Joined
- Mar 13, 2005
- Location
- Raleigh, NC
Depends on the restaurant, too. It seems like some places won't square the receipts until the next day, especially if it's a weekend.
Fabrik8
Overcomplicator
- Joined
- May 27, 2015
- Location
- Huntersville
I have this happen all the time; the tip never shows up on the final amount. Apparently a lot of restaurants never process the tip properly.
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C.Berry
Bad News
- Joined
- Aug 10, 2008
- Location
- Blacksburg, Va
how long ya used that bank? Any issues with debit card fraud or charges ya didn’t make?? I’ve had iTunes fraud on my card this year for close to $1800+ since June, I got refunded $187 from my bank and they said that’s all they can do... Beenlooking to change but my bank is open 6 days a week 7-7 and everywhere closes before I’m off typically
Jeff B
Thanos was right
- Joined
- Dec 23, 2006
- Location
- Lincolnton N.C.
They authorize the charge up front and then finalize it with the tip amount later.
And a good tip for debit cards...
Done ever use them, especially at a restaurant. Use a credit card.
Without entering your pin, i thought the debit card works as credit. Mine does.
rockcity
everyday is a chance to get better
- Joined
- Apr 10, 2005
- Location
- Greenville, NC
It does. But you are giving someone full access to your bank account. Most Credit cards limit your liability if it’s stolen, etc. with a debit card, not so much and you are out of that cash directly out of your account.
I just don’t feel safe giving someone access to my account, even with a debit card.
- Joined
- Mar 13, 2005
- Location
- Raleigh, NC
I opened an account at Bank of America on South Main down near the airport about 20 years ago. I have a bunch of accounts with them now, including that one. I haven't set foot in a branch since I don't know when. If I need to deposit a check, I just take a picture of it with my phone. If there's suspicious activity on one of my accounts, they text me immediately and stop the account. If a fraudulent charge gets through, they refund it. But I only use my debit card at the ATM, for reasons already explained above.
We have accounts at Wells Fargo, too. They're also fine, but IIRC they have a limit on how much you can digitally deposit in a month.
C.Berry
Bad News
- Joined
- Aug 10, 2008
- Location
- Blacksburg, Va
That pic deposit is convenient is their online banking any good I’ve changed over to using online payments this year for almost everything and my banks not up to date on anything online really! I transfer money often to other banks and can’t do that online with my bank which is stupid imo! Thanks I’ll go talk to someone this week boa at end of my road basicallly!
BrianGreen
SSG Brian Green
- Joined
- Apr 5, 2008
- Location
- Kings Mountain
We have 3 main checking accounts. 1 is the “family account” that direct deposit goes into. My wife and I have separate accounts with debit cards. At the beginning of the month, a certain amount is automatically moved into each of our accounts. The main account debit card has been destroyed a long time ago. If either of our accounts gets hacked, the most that can get taken is $300.
RatLabGuy
You look like a monkey and smell like one too
- Joined
- May 18, 2005
- Location
- Churchville, MD
And this is the #1 reason to mostly use credit cards, not debit cards.
As mentioned above the big difference is that w/ a CC, you can refute the charge, they mark it on your bill, and you're not liable to pay it, or even if you are while it's under dispute you can always choose to not pay the bill until it is resolved. Wheras w/ a debit card, if somebody hit's the account, you have lost that $$ until, and if, it is resolved. So if it is generally a good idea to be really cautious where your debit card # is used.
Also, there are a lot more points/benefits programs associated with credit accounts than debit.
We do the same, except a little different. Paychecks go into a money market account, then once a month a transfer goes into a checking account to serve as the "allowance" for us to actually work out of. This is much less than the sum of the paychecks, which are biweekly and varying amounts, so the so it both stabilized what feels like our living money and forces an actual savings account to accrue b/c we never see it. The big account is shielded from the debit card so there' no worry about fraud hitting it.
Croatan_Kid
How's your hammer hangin'?
- Joined
- Nov 4, 2007
- Location
- New Bern
As long as your debit card says VISA on it, it's federally insured and you should get your money back. I've been hit a handful of times and bank with State Employee's and Navy Fed.
I'd say use the credit card at restaurants soley because I get double reward points
As an aside, I always try to leave cash tips and tip well. If they remember that you do those things, you always get better service.
I'd say use the credit card at restaurants soley because I get double reward points
As an aside, I always try to leave cash tips and tip well. If they remember that you do those things, you always get better service.
- Joined
- Mar 24, 2005
- Location
- Stanley, NC
Damn, must be nice. Too much money for the bank, and extra money that you don't even pay attention to. Buncha high rollers.
RatLabGuy
You look like a monkey and smell like one too
- Joined
- May 18, 2005
- Location
- Churchville, MD
Well, I've never heard of a bank not being willing to take your money like @shawn says, but in our case when you're in grad school damn near forever and married to a teacher you gotta learn tricks to make sure money gets saved.
- Joined
- Mar 13, 2005
- Location
- Raleigh, NC
I said monthly limit, I think its actually a cap on how much you can deposit digitally at one time. So checks above that amount have to be taken to the ATM or whatever.
Cherokeekid88
Well-Known Member
- Joined
- Jun 30, 2007
- Location
- High Point, NC
Even though most say its smarter to use a credit card instead of a debit card, the Bank that I work for has never had an issue with refunding someone's money back on a fraud charge as long as it was legit and our back office can tell if it was done as a POS (point of sale) and if a pin # was entered or ran as credit. If you do use a Debit card, then make sure you are entering in a PIN and not just running it as credit. Most of the flags that get raised here is when someone 99% of the time does PIN based transactions and then someone comes up that was ran as credit. Also, another little trick is to write "See ID" on the back of the debit card... although most don't even look at it if you have to hand the card to them, but I have had people say that they do look for that and won't run the transaction if they don't show ID.
Another thing... I know most know this but a lot of people think its the bank that I causing the frequent fraudulent charges when its actually a place that you have purchased something at, unless your bank has been compromised itself.
Another thing... I know most know this but a lot of people think its the bank that I causing the frequent fraudulent charges when its actually a place that you have purchased something at, unless your bank has been compromised itself.
- Joined
- Mar 24, 2005
- Location
- Stanley, NC
I had a fireworks stand in SC double charge me for a triple digit transaction of fireworks. Because it was debit, the money left my account immediately, I had to go by the bank and sign paperwork twice, they had to wait some arbitrary time like 45-60 days for the merchant to correct it, and then finally I got my money back after another processing period. It was a huge pain in the ass in 2008ish, and I swore I'd never deal with that again. The big difference is that credit charges are just funny money on a bill in 30 days that you don't have to pay right away, whereas debit is gone right now and you can't pay bills with it.
RatLabGuy
You look like a monkey and smell like one too
- Joined
- May 18, 2005
- Location
- Churchville, MD
My bank charges a fee after the first X # of PIN-based transactions per month. Only get like 10 or something.
Bingo, #1 reason to limit use of debit card.
Although the big downside is that if you use a joint account, and you and wife are using different credit cards, then it can be a little more challenging to keep up with exactly how much you actually have, or have spent that is due, unless you have access to both credit accounts.
UTfball68
Well-Known Member
- Joined
- Jul 18, 2008
- Location
- Granite Quarry
I'm on team BoA for the tools and securities side of things. Knock on wood, but I've never had issue getting money back from a debit purchase...even a friends and family paypal transaction for some parts on facebook. Hell, they even flagged my check on my last house closing. I've written all of about 4 personal checks in my life...my wife writes all of them, and signs my name. Well, when I closed on this house, wife was 12hours removed from giving birth. My down payment check had my actual signature on it, which looks nothing like my wife's interpretation. That was a fun couple of hours trying to explain and clear that up.