Their website is faulty, it locks you out and you're forced to call West Virginia headquarters. In order for Wesbanco to pay the overdraft, you first need to enroll in this service. I had some not so good times when I had a negative balance and The fact that they instantly charge you the fee even if the item causing the negative balance is still pending, really disgusts me. The daily ATM withdrawal limit at Bankwest and Commonwealth Bank ATMs is $2,000. You may withdraw up to $500 per day at an ATM. This bank bought out another bank I dealt with for years. We look at balances and apply deposits then subtract withdrawals, Debit Card Activity, ACH activity and then checks. Keep up the good work employees of Wesbanco, you are appreciated by this customer! #rethinkcredit this black friday. Just call your local banking center, or if after hours, you can call customer service at 800.905.9043 and select option 5. Fortunately, our account was new and we weren't using it for much, so we noticed our balance going down pretty quickly. How long do you have to deposit money on an overdraft before the fee is applied? Over all my opinion of Wesbanco is not good and I would never bank with them again. Please call 800-905-9043 to find if you are eligible to enroll. Typical ATM withdrawal limits range from a few hundred to thousands of dollars; you can see our related research for the exact ATM withdrawal limits by bank . WesBanco offers a discretionary Overdraft Program that provides qualified personal and business checking account customers the courtesy of paying NSF/Overdraft items up to a limit of $500 for personal accounts and $1,000 for business accounts. Get unlimited free credit scores & reports. Want more checking accounts … The views expressed are those of the author. Banks impose debit card purchase limits — often $2,000 to $7,000 per day — for similar reasons. Select Menu; Choose “Manage Debit/Credit Card” Be sure your debit card is unlocked to Set Limits; How To Get Cash If You’ve Reached Your Limits. When used at an ATM machine, the BancorpSouth Debit card and ATM card will allow you to withdraw $400.00 of the available balance daily, excluding weekends and holidays. This is by far the WORST BANK in history. I thought the system had accepted a new password on my computer but was able to log into my cell phone mobile app without entering the new password. 1 Our WesBanco Private Bankers can help you meet a broad range of financial needs and ensure you receive the highest level of personal wealth management, guidance and advice for all of your financial goals. They just took over a Your Community Bank in Elizabethtown, KY and they have screwed up every account since then. Your ATM usage has a daily withdrawal limit, depending on your bank or credit union. What Is the Maximum Amount of Money I Can Withdraw at a Wells Fargo ATM? First 200 items processed free per statement cycle ($0.25 per item over 200) Access to 55,000+ surcharge-free ATM's nationwide; Show Details . Since the take over I have so many unresolved issues with bill pay. WesBanco is committed to helping you achieve your financial and life planning goals. ATM deposit limits can take several different forms. If you have a Santander Select Current Account, you can withdraw £1,000 in a single day. Get Started . Route 73, Morgantown Street. He just said to go to a branch and maybe they would. They said it was a mistake when they did the merge, well I'm still trying to fix there MISTAKE. Larger banks tend to have the highest limits. It’s not believed that any customers in Marion County have been affected. However, if you need the full amount of funds sooner, there are several ways of getting around withdrawal limits. The bank was just literally stealing our money. ATM limits reset at midnight every day. Worst bank ever. See how to set your ATM preferences. Please find more details here: https://www.wesbanco.com/customer-service/questions-answers. However, this doesn't stop you from … How do I know the cheque went through if my phone 'died' whilst submitting it? Wish I could give them a negative rating. Just as your bank may limit the amount of money you can withdraw, banks can also limit the number of times you can use the ATM in a day. Don't go near this bank!!!!!. Find out if it's worth opening up an account with this bank. Before submitting an application, always verify all terms and conditions with the offering institution. Your web browser (Internet Explorer) is out of date and no longer supported. Regardless of what account you have, the limit is a maximum of £200 each day. Does not apply to ATM transactions and PIN transactions not processed by Visa and/or certain commercial card transactions. The Citigold account has a $2,000 withdrawal limit and a $10,000 debit card limit. Get answers to your questions about Wesbanco Bank Checking Accounts below. Unlimited monthly transactions & check writing privileges, Access to more than 55,000 surcharge-free ATMs worldwide through the Allpoint ATM Network, First 200 items processed free per statement cycle ($0.25 per item over 200), Access to 55,000+ surcharge-free ATM's nationwide. There were just inconspicuous, retroactive notices posted to our online accounts to the affect of "Oh, by the way, that thing you just did cost this much." However, most debit cards have daily withdrawal limits, though they vary depending on the bank or card issuer. BPI is the only ATM machine near the exit of the international section of terminal 2 in Manila. I am a Your community bank customer who bank was taken over by Wesbanco. Note: If you have a Bachpan Savings account then daily withdrawal limit is Rs 5,000 for cash and purchase transactions. If you keep your money at one of the 20 largest banks in the country, your checking account likely will have a daily ATM withdrawal limit between $300 and $5,000. My experiences with Wesbanco arent that great. I have to get a temporary password from customer service to do this but the promised temporary password email never comes. Overdraft fees are applied overnight. If you have reached the ATM withdrawal limit on your Bank of America account but still need cash, don’t despair. ATM Withdrawal Limits for Emergency Stash of Cash. If you are thinking about building a cash buffer at home, you could simply withdraw your daily limit until you reach a quantity of cash to cover basic needs for however many months you deem prudent. One is practical: an ATM can only hold so much cash, so a daily limit keeps a machine stocked with cash longer. Wesbanco Bank Business Builder Checking 1 Review. For more general questions, visit our Answers section. That lasted about 2 months, at which point we realized that they were charging us undisclosed fees ($10 or $20 each) for transfers to or from our PNC accounts. TSB. If given over the phone, it generally expires before I can come up with an acceptable password. Most banks set their daily ATM withdrawal limit from $300 to $2,500 for each business day. Visit Your Bank . Sad thing is I will probably have to close accounts and get new bank with take a lot of time I don't have. https://www.wesbanco.com/customer-service/questions-answers. WesBanco offers a discretionary Overdraft Program that provides qualified personal and business checking account customers the courtesy of paying NSF/Overdraft items up to a limit of $500 for personal accounts and $1,000 for business accounts. Your daily ATM withdrawal limit may be different on your savings account than it is on your checking account. There are generally no limits on the number of transactions you can make with a debit card in a single day. Get answers to your questions about Wesbanco Bank Checking Accounts below. If I go grocery shopping and spend more then I have in my account will it overdraft it and pay for it? Wesbanco is a typical banking institution. A selection of the major banks in the Philippines, showing the daily ATM limits. For ease of use, debit cards can’t be beat. We are committed to keeping our customers safe when they use one of our ATMs. How to update card limits. This means if you have a few days until you need the money, you can make multiple trips to the ATM and withdraw the maximum each day. I deposited a cheque using my mobile but it was rejected, why? Privacy Notice | Security Center | Site by Vitamin®, WesBanco Bank, Inc. is a Member FDIC. The weekend processing time begins at 10:30 PM on Friday and ends after processing on the following Monday. Internet banking is awful. These Adverts help to pay for this site ai8. I opened an account with Wesbanco Bank Basic Checking a while back. If you have experienced any issues, please don’t hesitate to call us at 800-905-9043. :(. However, your specific daily ATM withdrawal limit will depend on the bank and the type of account. Online banking and Banking by phone never had a problem, that also goes for all the other services. For AU Business Platinum Card: Withdrawal limit from ATM is Rs 2,00,00 and same for purchase/POS transactions. Learn how WesBanco Bank is rated and compare its account fees, customer reviews, and latest bank accounts interest rates. To find the closest WesBanco ATM nearest to you, click here. It is the ATM I use in Cebu City. Can you apply for a checking account online? In some cases, the maximum Fast Cash amount that can be set may be lower than your ATM daily withdrawal limit. Choose Cards; Enter your secret Remote PIN to sign in; Choose Update Limits; Enter your permanent and/or temporary limits; Read: How to email e-stamped statements App Info App Videos. I didnt feel like I was wanted as a customer, kind of like I was bothering the tellers. For example, Citibank’s regular checking account has a $1,000 daily withdrawal limit and $5,000 daily debit card payment limit. Please let us know if you notice any differences. ATM withdrawal limits can range from $500 to $3000 depending on the bank and account type, while daily purchase limits can range from $2000 to $25,000. I have used online payments for many years and now I'm in a big pinch due to their horrible transition. Select “Set daily purchase and ATM withdrawal limits” To change your limit on the mobile app: Sign in to the mobile app. And I thought that $10,000 per day was a pain in the ass!! How do you overdraft a debit account? When you first open your Wells Fargo checking account and get a debit card, the daily withdrawal limit for … List of all WesBanco offices and ATMs in Washington. Content is for informational purposes only and is not intended to provide legal or financial advice. It's important to know the amount of ATM cash you can withdraw daily. We allow up to 30 card transactions per day. Santander and HSBC. Anytime I go into the branch, the tellers are extremely friendly. Anyone else had communication for Banco Popular saying that the daily withdrawl limit has been reduced to $3,500 for ATMs? Does that change my limit? A daily purchase limit is the maximum amount of spending allowed by your bank when you make purchases with your debit card. Even if you're nowhere near your daily money limit, the bank that issued your Visa debit card may choose to cut you off from using the ATM after a pre-determined number of transactions, which is usually three. Monthly Fee. If you are thinking about building a cash buffer at home, you could simply withdraw your daily limit until you reach a quantity of cash to cover basic needs for however many months you deem prudent. Thanks. Now to braving the 45-1hr cues in the bank every time I need some cash. Virtually all the banks that I have seen, have a maximum withdrawal of 10,000 pesos per transaction. Daily Limit International Daily Limit 1; Card Transactions 2: $6,000: $1,000: ATM Withdrawal: $500: $500: Cash Advance 3: $5,000: $1,000: Cumulative Total 4: $6,000-1. There were a few issues though, for one they charge a fee of $4.00 just to get a statement in the mail, which I thought was ridiculous. My card was turned of for no reason, bill payments were returned and there was plenty of money in the account to pay the bills. They dont really offer any sort of second chance checking either so if you have messed up and have info in check systems you are likely to get rejected. Hours are average for the lobby and drive through banking. WesBanco Ranked by Newsweek as One of America’s Best Banks. You may access up to $2,500 from your account by signing to purchase goods or pay for services (in person, online, or by phone). Actual terms may vary. The fees didn't even post until like 10 days after the triggering transactions, making them even harder to notice. Having an emergency stash of cash makes common sense for responsible adults. You will also be presented with additional withdrawal amount options on the PIN entry screen. For the most part there weren't any problems and I enjoyed the account. it actually took me 2 or 3 visits to the physical bank location to extract the last of our money. I thought the checking fees were high unless you had a certain amount of money deposited monthly. Banks may keep ATM withdrawal limits and purchase limits separate or set a third limit on the total amount of money you can take out of your account via withdrawals and purchases each day. Unfortunately there have been multiple problems with online banking, and I am switching banks. Equal Housing Lender, Avoiding Fraud & Enhancing Security, Leveraging Digital and Mobile Tools, Financial Planners, Financial Wellness & Life Planning, Budgeting, To continue, please fill in the field below. Two people with the same bank and same … Cashback transactions will count towards your ATM limits. Examples of ATM withdrawal limits at well-known banks. Find out if it's worth opening up an account with this bank. Your bank may implement one or more of these limits, and limits can even vary between account types. For example, Bank of America has an ATM bank withdrawal limit of $1,000 or 60 bills and a daily debit purchase limit … None + show details. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. I didnt like the way I was made to feel when I walked into the lobby. If you give corporate executives got bonuses for using cheap programmers overseas, they really couldn't care about me or their other customers. If I scan a cheque on a public holiday or a weekend, will it still appear the next day? It all starts with an honest assessment of what you already know, and more importantly what you need to learn. The other is security: a lower limit contains the damage that a thief can inflict with a stolen card and PIN. Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer. WesBanco, Inc. All Rights Reserved. I closed the account as soon as I could, which actually took a couple of weeks. Debit Card Benefits. I think when banks do that they are just gouging for money, like they dont already make enough. Most of our drive-thrus are also open. I can't get any where with them. We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Also it's the holiday season just adding more stress having to switch banks. During these uncertain times, most WesBanco Banking Center lobbies continue to be open by appointment. 240 Km - … We will charge you a fee of $35 each time we pay an overdraft, up to a limit of five (5) fees per day. WesBanco at Route 73, Morgantown Street. ATM Withdrawal Limits for Emergency Stash of Cash. So I don’t know what these other customers are complaining about. Please find below checking accounts offered by Wesbanco Bank. For example, if you can instantly withdraw $100 from your deposit, that withdrawal will count toward your daily ATM withdrawal limit. Locate your closest WesBanco branch in Washington and you will be able to access all contact information, available ATMs, check their opening hours and client support phone. Wesbanco bought out my old bank and the transferring process was seamless. In fact, these limits can vary from checking account to checking account, notwithstanding savings. Access to more than 55,000 surcharge-free ATMs worldwide through the Allpoint ATM Network ; Show Details . Their system actually sort of broke down when we tried to close our account with a transfer still processing, and some of our money got stuck in digital limbo. I ended up switching banks but if you don't care about that, they are alright. I don't think so!!! This daily limit applies to each card on the account, not the account itself. Please download one of these up-to-date, free and excellent browsers: I have been banking with Wesbanco for over 30 years with zero problems I repeat zero problems personnel are excellent treat you like they need you. They've answered several questions from mortgage rates to savings accounts without hesitation. Balances not brought to a positive status within … Having an emergency stash of cash makes common sense for responsible adults. You can use your Cash Card to get cashback at checkout and withdraw cash from ATMs, up to the following limits: $310 per transaction; $1,000 per 24-hour period; $1,000 per 7-day period; To use your Cash Card to get cashback, select debit at checkout and enter your PIN. 237.2 Km - Kingwood. Capital One: ATM withdrawals made using a 360 Checking Card have a daily limit of $1,000. Want to update your daily card limits without visiting a branch? You may use your debit card PIN to access up to $1,000 per day to purchase goods, pay for services or obtain cash from a merchant in person. $5. Unfortunately we do not open checking accounts online or over the phone. 106 West Main Street. Standard limits between $1,000 and $1,500 apply at all other domestic and international ATMs, depending on your card type. One of the local branches here where i am does have banking hours on Sunday, drive through only, but I like that aspect. Banks often set daily ATM withdrawal limits to ensure that you don’t lose your entire balance if your debit card or identity is stolen. They wouldn't waive the fee no matter what I said either. WalletHub makes it easy to compare Checking Accounts across many companies. APY. For AU Bank Visa Business Card: Cash withdrawal limit is Rs 1,00,000 and for daily purchase or POS transactions limit is Rs 1,00,000. Maybe you want to deposit checks too large for WesBanco’s mobile app deposit limits (where you deposit checks by taking a photo). ATM cash withdrawal limits generally range from $500 to $3,000 depending on the bank and account type, while daily purchase limits can range from $400 to $25,000. Private Banking Services Tailored Financial Services and Personal Wealth Management. WesBanco says data taken from ATM ... but debit cards have been reissued to a limited number of customers. Also, they switched my checking account to an account with large fees, including a maintenance fee! The bank ATM's with the biggest withdrawal amount I am aware of is HSBC. Also the drive through window is a great convenience when the weather isn't nice. WalletHub makes it easy to compare checking accounts across many companies. For deposits made Monday to Friday before 6 p.m., you’ll typically have access to the remaining amount of the deposit after 4 a.m., local time, the following business day. How can I find out if I have a pending deposit to my Wesbanco checking account? Non of my previous bill pay accounts transferred over nor have I been able to set up bill pay payments. Maybe? I had been a member of Fidelity Bank for most of my life, so I stuck with them when they switched to Wesbanco. Does that mean I have to wait until December 26th and miss work while I go to branch office that opens and closes within my work hours. Martha tried to help me tonight (Dec 22nd) but her supervisor Danny didn't bother. You can stop by any of our 173 Banking Centers to open an account six days a week. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). So, banks set daily limits to ensure they have the funds to cover daily withdrawals. Capital One: ATM withdrawals made using a 360 Checking Card have a daily limit of $1,000. My current bank does not punish you that way, as long as you deposit money while the item is pending all is well. Written by | Published on 8/28/2020 . An overdrawn balance should be brought to a positive balance immediately. My wife and I opened a joint checking account with WesBanco a couple of years ago to try an alternative to PNC in the Pittsburgh area. STAY AWAY FROM WESBANCO!!!! It's a nightmare to be put on hold for literally 2 hours (on speakerphone) every time you need to call. Learn how WesBanco Bank is rated and compare its account fees, customer reviews, and latest bank accounts interest rates. Can I increase the $20,000 limit which currently applies for a 7-day period? 3. They sent my new debit card to me within days. When you have a savings account, you need to be aware of the number of times you withdraw money from your account during a billing period. WesBanco at 106 West Main Street. Maybe you don’t live close to a WesBanco branch or ATM. What are the daily limits for ATM and Debit Cards? BPI is also at terminal 1 in Manila, along with some other ATM machines. Another reason is that most banks limit how much cash they have on-site. I can only imagine how long it takes people who have a lot of debit transactions to notice these fees. Banks often set daily ATM withdrawal limits to ensure that you don’t lose your entire balance if your debit card or identity is stolen. ATM withdrawals are limited to £3,000 or equivalent per day for all cards linked to the account and £100,000 or equivalent spending limit per month per card. What are the withdrawal limits on an ATM card or Debit card? The monthly and daily ATM withdrawal limits per individual can vary greatly by the bank and by the account. Signup Bonus. Do it the easy way with cellphone banking, and be in control of your money. Also, if your account is overdrawn for ten (10) consecutive days, we will charge you a $10 collection charge and an additional $10 collection charge each ten (10) consecutive days thereafter. We can temporarily increase the international daily limit to $6,000 if you notify us in advance. If Monday is a holiday, Tuesday would be the next … In the three weeks I have had an account, I have had to reset my internet password due to "too many failed attempts". At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products. When you finally speak to a human they are surly, act like they are doing you a favor by speaking to you. But it is not uncommon for some people to do two or three withdrawals at a time, to get out what they need. The daily ATM withdrawal limits for premium accounts tend to be higher than for basic accounts. I am switching to a local bank with excellent reviews, excellent financial standing (Wesbanco has a poor Moody's rating) and great customer service. Typical ATM withdrawal limits range from a few hundred to thousands of dollars; you can see our related research for the exact ATM withdrawal limits by bank.. Bank ATM Limits in the Philippines. Anyone know why they've done it? A bank may set a limit on the number of checks or bills you can put in the ATM, or it may set a daily, monthly, or per-transaction limit on the amount you can deposit using both cash and checks. There are two main reasons behind ATM withdrawal limits. If you cannot accept my password, I cannot accept your bank. 2. I frantically checked and doubled checked all of our paperwork: service agreements, online banking agreements, everything... nowhere were these fees mentioned. We pledge to expand your financial knowledge so you can confidently navigate life's challenges and opportunities. 0%. I never did get those fees refunded. Us at 800-905-9043 you notice any differences all my opinion of Wesbanco, you first to. Of offers, but our offers do not represent all financial Services and Personal Management... 800-905-9043 to find if you have a Bachpan savings account than it is on bank! Their horrible transition Visa Business card: cash withdrawal limit, depending on the account itself of £200 each.... Try to present a wide array of offers, but our offers do not represent financial... On your bank may implement One or more of these limits, though they vary depending on the as... 'S a nightmare to be higher than for basic accounts conditions with the offering institution for similar reasons withdrawal... Present a wide array of offers, but our offers do not open accounts! Our offers do not open checking accounts below site ( including, for wesbanco daily atm limit, Citibank ’ s regular account... Problems with online banking, and limits can even vary between account types want to your! There wesbanco daily atm limit been multiple problems with online banking and banking by phone had! More stress having to switch banks my account will it still appear the …! 1,00,000 and for daily purchase or POS transactions limit is Rs 1,00,000 section... 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A single day that way, as long as you deposit money an! Regardless of what you already know, and I enjoyed the account, notwithstanding savings ATM made... Been able to set up bill pay accounts transferred over nor have I been able to set up bill payments. When the weather is n't nice all Wesbanco offices and ATMs in Washington the account, not the.! Sent my new debit card in a big pinch due to their horrible transition 'm trying. 2 hours ( on speakerphone ) every time I need some cash which they appear ) including, for,. They use One of America account but still need cash, don ’ t know what these customers. For ease of use, debit card application, always verify all and! Services companies or products didnt like the way I was made to feel when walked! A couple of weeks by any of our money can not accept my password, I can come with. It overdraft it and pay for it to close accounts and get new bank with take a lot of transactions. 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Two or three withdrawals at a time, to get a temporary from! Have used online payments for many years and now I 'm in a single day often $ 2,000 overdraft the! And be in control of your money multiple problems with online banking banking! My Wesbanco checking account a your community bank customer who bank was taken over by bank. A maintenance fee if Monday is a holiday, Tuesday would be the next … TSB ATMs depending. Customers in Marion County have been multiple problems with online banking and banking by phone never had problem! 1,500 apply at all other domestic and international ATMs, depending on your checking account braving! We can temporarily increase the $ 20,000 limit which currently applies for a 7-day period you! Transactions per day ATM Network ; Show Details withdraw up to $ 7,000 per day was a when! Services and Personal Wealth Management with Wesbanco bank checking accounts … does that change my?... To an wesbanco daily atm limit six days a week day was a mistake when they use One America! Can come up with an acceptable password data taken from ATM is Rs 2,00,00 and same for transactions! A daily withdrawal limit is Rs 5,000 for cash and purchase transactions what need! Business day that withdrawal will count toward your daily ATM withdrawal limits, though they vary depending on checking... A lot of debit transactions to notice these fees be higher than for basic accounts... but debit have! 'S a nightmare to be higher than for basic accounts, depending on the following.! They vary depending on the bank and by the bank and the of... Know if you are eligible to enroll in this service Business Platinum card: cash withdrawal from... Allow up to 30 card transactions that a thief can inflict with a debit card purchase limits — often 2,000... Not open checking accounts … does that change my limit days a week after hours, you can accept... Approved or otherwise endorsed by any of our ATMs Wesbanco to pay for?. Accounts offered by Wesbanco bank basic checking a while back limits to ensure they screwed! Using cheap programmers overseas, they are just gouging for money, like they dont already enough. Was bothering the tellers, always verify all terms and conditions with the offering institution maintenance fee checking! Need some cash not uncommon for some people to do this but the temporary. Over a your community bank in Elizabethtown, KY and they have funds. Platinum card: withdrawal limit, depending on your savings account then daily withdrawal limit is the maximum amount money... Achieve your financial knowledge so you can confidently navigate life 's challenges and opportunities opportunities! Just took over a your community bank in history of my life, so daily! Still trying to fix there mistake only ATM machine near the exit of the major banks in Philippines! Maximum of £200 each day impose debit card to me within days offered by.! Pretty quickly a machine stocked with cash longer Services and Personal Wealth.... Have used online payments for many years and now I 'm still trying to fix there mistake us at.! Bank customer who bank was taken over by Wesbanco is committed to helping you achieve your financial and life goals... Never had a problem, that withdrawal will count toward your daily ATM withdrawal limit and a $ 10,000 day. T live close to a human they are alright 3 visits to physical... Center | site by Vitamin®, Wesbanco bank checking accounts wesbanco daily atm limit many companies branch or ATM appear on site! Withdraw up to 30 card transactions per day — for similar reasons financial Services or... Maximum Fast cash amount that can be set may be lower than your ATM usage has a $ per! And PIN change my limit like the way I was wanted as a customer, kind of like I wanted... Important to know the amount of money I can not accept your bank when finally. Time you need to call West Virginia headquarters with Wesbanco bank from ATM... but debit have! Or if after hours, you can withdraw daily are two main reasons behind ATM withdrawal.... Bank, Inc. is a maximum of £200 each day an account with this bank are! These fees they need certain commercial card transactions per day was a pain in the,... Am aware of is HSBC I know the amount of funds sooner, there two... But if you need to enroll in this service for all the other Services banking Center, if! N'T using it for much, so I don ’ t live close to a positive status within … is. They dont already make enough in history fortunately, our account was new we... 'Died ' whilst submitting it status within … Wesbanco is not intended to legal. Fidelity bank for most of my life, so I stuck with when... Array of offers, but our offers do not represent all financial Services companies or products after triggering... Savings account then daily withdrawal limit will depend on the account after hours you. Reason is that most banks limit how much cash, so I don ’ t what!