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ATMs in Casinos

Discussion in 'Misc. Vegas Chat' started by fenway68, May 12, 2014.

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  1. fenway68

    fenway68 High-Roller

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    I have always avoided ATMs as a way of funding my gambling in LV, however, my new bank says they will reimburse ALL fees associated with use of ANY ATM (as long as its from an American bank), daily limit of withdrawls they say are limited by the ATM only.

    If I can use these it will save me from carrying a cash stack on the plane (always makes me a bit nervous tho never had an issue)

    a. Correct me if I am wrong...there should be no daily limit from those casino ATMs
    b. are there other ATMs other than those in CVS/Walgreens (which when I have needed to use for funding my nongambling stack, have been broken or limited to $300/day)
    c. are the casino ATMs US banks?
    d. does anyone know the fee schedule on these machines by chance?

    thanks in advance for any advice you can help with

    See y'a in June!
     
  2. stackinchips

    stackinchips High-Roller

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    a. Not sure on this. Sometimes I've seen machines that have limits, but I'm not sure if it's per transaction, per day, etc. In the rare cases I've seen a limit, it's always been at LEAST $1k.

    b. These days, nearly every single bill breaker/TITO casher kiosk is also an ATM, and there's usually other ATMs scattered on the casino floor. Believe me, you will have no problem finding an ATM in Vegas at nearly any establishment.

    c. Yes

    d. Fees vary. Most of the strip casinos' ATMs are like $5-6. Some are cheap (Casino Royale is $1). However, if you're getting reimbursed I wouldn't worry about it.
     
  3. mdee

    mdee VIP Whale

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    If you have a daily limit from your Bank the Casino's ATM machine will have the same daily limit no different than going to a Bank ATM.
    You'll be charged approx a $6.00 ATM fee and that does not include a fee your Bank may charge for using another institutions ATM machine.
    That fee is usually an additional $2.50 -$3.00. If you want to withdrawal a larger amount you can and the way it works is to type in the amount,
    agree to the fee then you take the withdrawal slip to the Cashiers Cage and they will generate a check for you to sign and then they will cash it.
    The Casino service fee varies depending on the amount they cash. By any chance does your Bank have a branch in Las Vegas?
     
  4. fenway68

    fenway68 High-Roller

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    I believe they do, I could check, but I will not have a car, so did not want to go out of my way.

    They say, they reimburse all fees, so $1k per day is fine, and $5-6 bucks, even if I am charged is no big deal;

    The bank says the daily limit is only the limit imposed by the ATM, they have no limit.

    Do the casino ATMs dole out all $20's or (hopefully, and what I would expect) is to get $100's

    $1k in $20's is a pain...
     
  5. stackinchips

    stackinchips High-Roller

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    They will dispense $100s, but depends on the amount and the setting on the machine. Most ATMs in my experience, will dole out $100s for $200 or higher wd, due to the bill breakers being everywhere if you need smaller bills. Some machines are set to give you a mix (Take our $400 and the machine gives you 3 100s and 5 20s). You won't get a brick of 50 20s if you take out a grand.
     
  6. sybgal

    sybgal VIP Whale

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    The daily limit on ATM transactions is set by the card issuer and MasterCard / Visa processor verifies your account balance / limits. If your issuing bank refunds your ATM fees, it may be easier to do this rather than carrying a large amount of cash. Good luck!
     
  7. jpw711

    jpw711 VIP Whale

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    My bank says they reimburse all fees also, but they don't consider casino atm fee a "fee". Anywhere else, they refund, but not in casinos. That's ok with me, though, since they pay 3.5% interest on the first 25K in my checking account.
     
  8. Smo

    Smo Mr. Las Vegas

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    a. - The daily limit is usually set by your financial institution. I'm not aware of a limit by the ATM though.
    b. - See above
    c. - NO! They dispense US dollars, but most of them are owned by a third party or leased to the casino. I have yet to see a TITO/ATM from Chase, BofA, Wells Fargo, etc etc etc in a casino.
    d. - $5.99 per transaction.
     
  9. stackinchips

    stackinchips High-Roller

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    There are ATMs that set the limit of how much you can WD. Most people's banks set their WD limit much lower so it usually doesn't come into play, but there's usually a limit on the machine itself.

    There's a finite amount of money in an ATM, and you can't just WD any amount of money. Most casino ATMs are well stocked and any limit (if there is one) wouldn't come into play for most people. However, other ATMs, especially those at places like Walgreens don't hold that much cash and aren't refilled daily, will usually have a limit to how much can be taken out. They don't want to blow through $10k in one WD where they make $5, when they could give that $10k to 20 different people taking out $500 and make $100.

    It sounds like the OP isn't looking to WD that much (maybe $1k/day) but those saying there are no limits are not entirely correct.
     
  10. topcard

    topcard Older than the Stardust!

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    Just a word of advice (take it or leave it) - have your bank set a daily limit on your account.
    I have mine set at $500. This way, I know there is no way I can witdraw more than that.
    I use ATMs in Vegas every trip - it's how I keep to my budget.

    Now, I will admit to playing the bang-bang ATM game - if it gets to be 9 or 10PM in Vegas, & I'm winning, I may still hit the ATM to pull out that day's $500. That allows me to hit the machine again in just a few hours, since it will be the next calendar day.
    (with my bank, the 'per-day' limit is based on the calendar day at the point of withdrawl. So, I can pull $500 @ 11PM and another $500 at 12:30AM).

    If my limit was set higher, I know myself too well - after a bad run, I may very-well pull out more cash, saying 'to hell with my budget'.

    If your daily limit is $1000 in your own mind, then I urge you to have your bank set that limit for you.

    (PS - not sure if they still do it, but if you're downtown, the El Cortez used to rebate you 5% of your ATM total amount in the form of 'free-play' credited to your player's card. Not a bad deal!)
     
    Finally have the room booked! Look for me Feb 21-23
  11. paperposter

    paperposter VIP Whale

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    a. Correct me if I am wrong...there should be no daily limit from those casino ATMs YOUR DAILY LIMIT IS SET BY YOUR BANK.

    CASINO ATMS SO AS LITTLE AS 500$ MOST 1000$ WITH BELLAGO AT 3000$ AT A TIME



    b. are there other ATMs other than those in CVS/Walgreens (which when I have needed to use for funding my nongambling stack, have been broken or limited to $300/day) 7/11 AND CASINOS AND BANKS, GAS STATIONS


    c. are the casino ATMs US banks? PROBALY


    d. does anyone know the fee schedule on these machines by chance?4.99-.6.66

    IT WILL TELL YOU
     
  12. paperposter

    paperposter VIP Whale

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    ps . If you loose at the palms they will reinburse your atm fee back to you see a host
     
  13. fenway68

    fenway68 High-Roller

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    ooh, so I could double dip...get Palms to reimburse, and the bank will too..that'll pay for lunch..just kidding

    paperposter-thanks for the info!
     
  14. progrocker2112

    progrocker2112 Low-Roller

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    They did for me over Easter, but I had not played there in two years. They told me I had to keep earning a certain amount of points to be able to continue doing so every month. Even so, it's at least a good deal for a one time hit, you just take your ATM receipt to the cage first and then to the player's club. I think I remember turning the 10 bucks freeplay into 11.25 or 12.50 over 8 hands of VP, so at least it covered the ATM fee (which I also get rebated).
     
  15. DeMoN2318

    DeMoN2318 The DERS

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    Pretty sure the fee is dependent on the amount you withdraw...
     
  16. paperposter

    paperposter VIP Whale

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    bank fee is set, weather you draw a dollar or 500 the atm charges the same as long as its not a chash advance
     
  17. DeMoN2318

    DeMoN2318 The DERS

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    Maybe I was thinking CC fees
     
  18. Auggie

    Auggie Dovahkiin

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    Yes, it would have been credit cards:

    If you use your PIN at an ATM and do a cash advance off your credit card there is no added fees for that beyond the standard using an ATM fee and any fees set by your credit card company/bank.

    If you do a NO PIN transaction to take cash off your credit card then it is treated like a purchase - the advantage of which is that you can get around any cash advance limits or if you are already at the limit of your card, the disadvantage is that it costs you 3-4% of the amount of cash you are taking off your card plus any ATM fees.
    The reason for this is because if you use your credit card at a store to make a retail purchase the merchant has to pay the credit card company 3.5% of the dollar value of the sale for accepting their card (possibly more or less, depending on circumstances... but 3.5% is pretty standard). The pin-less transaction is treated like a retail purchase and so thats why it can get around cash withdraw limits but the casino isn't going to pay the CC company 3.5% of the cash you take off your card so they charge it to you.
     
  19. luci5

    luci5 Low-Roller

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    Most casino ATMs have a $5.99 fee. Casino Royale is $1 and the one at the top of M&M World is $2. I think that one is Bank of America IIRC, but can swear to it.

    Very surprised to hear that some US banks don't have a limit on the amount you can withdraw per day as a fraudster could clean you out if they got hold of your card, unless I am missing something. Most UK banks have a limit of around £300 / $500 a day although my credit card cash limit is £500 / $840 per day in cash.
     
  20. fenway68

    fenway68 High-Roller

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    I was surprised that this bank was only limited by the ATMs limits myself but it is what it is. Thanks everyone for all the input.
     
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