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Debit and ATM Card Advice for Small Businesses

Your business account comes with an ATM, Debit card. Pick a really secret pin number. Don't give it to anyone even in an emergency. Make sure you record withdrawals. If you have a bookkeeper paying your bills for you, be careful because they won't know that you took out money. They will be upset and so will you and your vendors if they mistakenly write a bad check to pay a bill because you forgot to tell them of your numerous unrecorded withdrawals from the ATM machine.

Originally ATM cards had a maximum of $300.00 per 24-hour period, suppose this was incase you developed a drug habit and take out the maximum $300.00 per night in cash or incase it was stolen to minimize risk on your account. Most business accounts do allow up to $1000.00 per 24-hour period now, but most likely you will have to ask for it. If you business might need this it is a good idea to have.

It is not wise to co-mingle funds such as taking $60.00 out of your business account via your local ATM to take your girl friends out to dinner. If you need $60.00 in cash then take it out of your weekly paycheck to yourself or even out of your daily cash before you put it into your bank account. Be sure however to report it as income because that's the honest thing to do. If not you have created a nightmare for your accountant and put up red flags during your tax form preparation.

"Lance Winslow" - If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs

In The News:

A German warship that was sunk during World War II has been identified off the coast of Norway.
The official start of fall may be Tuesday, but forecasters in Arizona recently spotted a sight in the sky more fit for Halloween.
A wildlife photographer in Scotland has captured remarkable images showing a red squirrel reaching out for hazelnuts encased in a miniature grand piano, British news agency SWNS reports.
A newly published study says that global sea levels could rise more than one foot by 2100, should greenhouse gas emissions continue at their current pace.
A snorkeler has suffered a severe shoulder injury after being “attacked almost immediately” by a shark when he entered the waters near a lighthouse in the Florida Keys, police say. 
Just days after scientists said they discovered the presence of phosphine in the clouds of Venus, the head of Russia's space agency declared "Earth's evil twin" a "Russian planet."
The US wild pig population is soaring and rapidly multiplying, which experts believe is a ticking 'feral swine bomb,' according to a report on Saturday.
Archaeologists have identified the wreck of a 19th-century slave ship off Mexico’s Yucatan peninsula.
A man in Florida was bit by an alligator and nearly dragged into a canal behind his home last Sunday, all while walking his dog.
A newly published study is warning that there will be 53 trillion metric tons of plastic pollution in the world's rivers, lakes and oceans by 2030.

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