Cash back after purchase w/debit card

applecruncher

applecruncher

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Location
Ohio USA
I don't use my debit card much, but sometimes when I get groceries I'll get some extra cash back. For example, if my purchases total $60 I might get an extra $40 cash. Or, I stop at an ATM.

A few months ago Kroger started charging 50 cents for cash back fee. (I don't know if their fee is more based on the amount of cash back). I can understand this - Kroger is not a bank.

Walgreens used to allow cash back up to $20, but they recently stopped - no more cash back.

CVS allowed $30 but I haven't used my debit card there recently.
 

This is just a guess. When you use your debit or check cashing card, the bank the card is drawn on charges the merchant anywhere from 3-5%. When you use your card to charge the $100 and $60 is for groceries and $40 is for cash. The merchant still is charged a percentage of say, 5% for the cash that he gave you. More than likely, the banks may not have charged the merchant in the past for handling this service, but since has.

Banks are always looking for ways to charge fees. That’s where they make their money.
 

What's this "cash" thing everybody is talking about? Why on earth would you want it back? You go into a store- any one of a billion stores on the planet, and hand them your card, and zap you walk out of the store with your stuff all paid for. All you have to do is type in some numbers, and zap your stuff is ordered and on its way. And you don't have to have one of those cash things. You fly to Outer Garbonzerstan, and you want to pay for dinner, you whip out your card and pay. You don't need to exchange your cash into Garbonzerstani cash. So, why do you need that cash thing?
 
It depends on the amount you want back. Some grocery stores have a $25 cash back limit. If you want more they may send you to the cashier desk. That's still cheaper than ATM fees. Here if you cash an out of town check and they don't know you, it's $3.00 on let's say a 12.00 check.
 
Those with Discover CCs can get cashback for free at most grocery stores up to $120 per rolling 24 hrs. They don't earn rewards for getting cashback.

I use it a few times if I need cash for certain merchants.
 
Seriously, why are you people messing around with cash? I have been completely cashless for years. Years ago, I went down to Amish country in PA. It was late on a Sunday night. And we found a cool roadside stand, where there was all these wood products. The stand was a tent with gas lights. The year could have been 1822. We found something we really liked, but we didn't have the cash to buy it. Well, no problem, out of its hiding place under the counter, came a battery powered credit card machine. It even printed out our receipt. My point is you really have to hunt for a concern that doesn't take credit cards. Where do you go that won't take credit cards?
 
fuzzybuddy, I use cash for lottery tickets, yard sales and at the gas station/mini marts. For awhile they were warning us to be careful using the keypads at the minimarts in this area, due to people stealing our codes. I haven't heard that mentioned in that last couple months though.
 
In addition to what Linda said, I usually tip pizza/food delivery with cash. At convenience stores if I only get a pack of gum and a lottery ticket I pay cash.

Enjoyed the Amish story. :)
 
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When I need cash, I hit the ATM
Usually $200 a pop
Lasts me a month or so for incidental stuff
I never get cash back
I like a clean recpt

I do deal with non-commercial folks from time to time, so I often carry several hundred
 
I would not have a debit card, credit cards are much safer.

I get cash from the ATM at the bank, $100 will last me a month or two.

I don't know of any barber shops that take plastic. Most of my other purchases are with my credit card.
 
The closest store doesn't give cash back.
The closest one that does- approx. a mile- has $20 limit.
Grocery store that does has $60 limit, but it's around 6 miles from here.

The closest convenience store that gives cash back has ATM- which is usually out of order. However, with all the "skimming" that's been going on these last few years, I avoid ATM's anyway.

I don't know which stores accept cash these days, as I've haven't tried.
 
fuzzybuddy said:
Seriously, why are you people messing around with cash? I have been completely cashless for years. Years ago, I went down to Amish country in PA. It was late on a Sunday night. And we found a cool roadside stand, where there was all these wood products. The stand was a tent with gas lights. The year could have been 1822. We found something we really liked, but we didn't have the cash to buy it. Well, no problem, out of its hiding place under the counter, came a battery powered credit card machine. It even printed out our receipt. My point is you really have to hunt for a concern that doesn't take credit cards. Where do you go that won't take credit cards?
Click to expand...

I've only been using cash for two purposes:
1. Bus fare. Before they temporarily eliminated the fares due to the c.virus, I'd been buying day-passes with their app. That option costs 50 cents more than paying cash to/from destination. So I'll probably go back to paying cash fares when they reinstate fares in a couple of weeks.
2. Laundry. Haven't needed change for laundry room since landlord locked the door so nobody can get into it... seems he's unaware that this is against the law..
 
I've had debit cards for years but can count the time on one hand that I've used them in stores. Once I did ask for $20 cash back. I think once I used the card just to keep it active. I've probably used my card(s) at ATMs less than 10 times.
 

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