Yes, you can use your Tangerine debit card in the United States, primarily for withdrawing cash from Automated Banking Machines (ABMs).
Using Your Tangerine Debit Card for Cash Withdrawals in the US
When traveling in the United States, your Tangerine debit card provides a convenient way to access funds from your Chequing Account. It's important to understand the specific ways you can use it and any associated fees.
Accessing the Scotiabank Global ATM Alliance
As a Tangerine client, you benefit from free access to the Scotiabank Global ATM Alliance. This means you can withdraw American money from any Scotiabank ABM in the United States without incurring additional fees from Tangerine. It's advisable to locate Alliance ABMs near your travel destinations to minimize costs.
Fees for Non-Alliance ATMs
If you choose to use an ABM that is not part of the Scotiabank Global ATM Alliance, an additional fee of $3 will be applied by Tangerine for each withdrawal. These fees can add up, so planning your withdrawals at Alliance ABMs is a good strategy.
Account Access Limitations
It's crucial to note that your Tangerine debit card will only allow you to access funds from your Tangerine Chequing Account when making withdrawals in the United States. Other accounts, such as savings accounts, are not accessible for cash withdrawals via ABMs in the US.
Summary of ATM Usage and Fees
To help you manage your finances while abroad, here's a quick overview:
| ATM Type | Fee Per Withdrawal (from Tangerine) | Accessible Account |
|---|---|---|
| Scotiabank Global ATM Alliance ABMs | Free | Tangerine Chequing |
| Non-Global ATM Alliance ABMs | $3 | Tangerine Chequing |
Key Considerations for Your Trip
To ensure a smooth experience when using your Tangerine debit card in the US, keep the following practical insights in mind:
- Locate ABMs in Advance: Before your trip or as you travel, use online tools or mobile apps to find Scotiabank Global ATM Alliance locations to avoid fees.
- Monitor Your Chequing Account: Ensure you have sufficient funds in your Tangerine Chequing Account before attempting withdrawals, as it's the only account accessible.
- Budget for Fees: If you anticipate using non-alliance ATMs, factor the $3 per transaction fee into your travel budget.
- Security: Always be vigilant when using ABMs, covering the keypad and checking for any suspicious devices.
By understanding these details, you can effectively manage your money and access cash using your Tangerine debit card while traveling in the United States.
