What is a Caixa withdrawal? Get your questions answered now!

If you came here wanting to find out what Caixa's withdrawal is, you'll find a little more! 

Have you checked your Caixa account statement and noticed a discount called “withdrawal runs”? 

These discounts have left many Caixa savings account customers with doubts, especially after the number of operations changed.

Mainly because it occurs more than once, for no apparent reason and with varying values. 

In today's text, you will find out what this discount means, when it occurs and also how to cancel it. 

Don't forget to follow! 

What is a Caixa withdrawal?

Without further ado, serve runs is an abbreviation used by Federal Savings Bank to identify discounts on withdrawals made at bank correspondents. 

In other words, it is a fee charged for withdrawals you make at Caixa Aqui service points or lottery outlets.

However, according to reports from many of the bank's customers, this fee appeared in different operations, such as:

• Pix;
• Deposits;
• Transfers;
• Debit and bill payments.

Withdrawals from Caixa are free, but limited. Furthermore, following recent changes, Caixa has imposed limits on some transactions made in the account. 

When this free limit is exceeded, this fee will be charged.

The average fare is R$2.00, however, there are reports of customers receiving discounts 5 times greater. 

One of the reasons may be that the fee varies depending on the account model, service and transaction value. 

It is very important to check your account statement whenever you notice that small amounts are missing from your balance. 

In many cases, the discount is applied, but it is not always noticed immediately, only when we check the statement.

One of the reasons to always check your statement is to find out which transaction you made that deducted the fee. withdrawal runs from Caixa. 

This way, it is easier to check whether the charge is undue or whether it was agreed in the contract. 

What frequent transactions can cause Caixa to withdraw funds quickly?

Now that you've discovered what is withdrawal from Caixa, it is important to know which transactions this fee may be charged for. 

Initially, the fee was only charged when the customer exceeded the withdrawal limit at lottery outlets or Caixa correspondents. 

However, according to reports from customers and a major news website, the charge started to be made when there were repeated transactions on the account.

To be more precise, the charge is made when there are repeated movements more than twice.

For example, if you are going to make up to 4 withdrawals per month, this fee will not be charged. From this number onwards, the customer can already opt for the withdrawal option.

Another example, if you make 3 purchases and pay with your debit card, you can see the discount for this fee on your statement. 

Therefore, it is important to pay attention to repeated transactions. This is because the withdrawal fee represents a fee that Caixa charges for movements and transactions that exceed the minimum free amount.  

Find out about some of Caixa Econômica Federal's rates. 

How to resolve this situation?

Now that you know what Caixa's direct withdrawal is, the first step to take is to go to your branch and check these discounts, see if they were described in the contract, if it is not undue or if you have the right to cancel. 

If you cannot cancel or increase the maximum limit for transactions, the ideal is to stay within the permitted limit and only make withdrawals from ATMs of that bank.

Another option is to switch to a fee-free account. If you use a savings account to save money, digital accounts are a much better alternative.

This is because many of them offer automatic income from the balance, this profitability follows the CDI rate, that is, it is higher than the savings income.

Currently, one of the digital accounts that yields the most is PicPay: 102% of the CDI.

In addition to having a higher return than savings accounts, digital accounts do not have fees. In fact, it is possible to find alternatives with unlimited free withdrawals. 

This way, you can make your transfers and payments with peace of mind, knowing that not a single cent will be deducted from your balance, on the contrary, it will yield interest.

Find out more details about the following digital accounts. 

What is a digital account and how does it work?

To the digital accounts are payment accounts, which can be used as a savings or checking account. 

They are called digital accounts because they do not have a physical branch, and all their operations are carried out online.

With them, you can withdraw, deposit, transfer money in different ways, have access to credit, invest, take out insurance and much more.

Among the many advantages they offer, we can highlight, for example, exemption from monthly fees, annuity and few tariffs. 

Furthermore, they are bureaucracy-free and to apply you only need to have a valid CPF and internet access.

They were created to simplify consumers' financial lives and currently, it is possible to make up to one extra money with some of them. 

On our blog you will find a lot of content explaining in more detail how these digital accounts work.

It is certainly worth reading, as you will be able to choose the best alternative for your finances. 

Conclusion

In this text you discovered what is withdrawal from Caixa and when this fee appears on your statement. 

You also found some tips to resolve this situation, such as migrating to a digital account with no fees.

If this fee has already appeared on your Caixa savings account statement, tell us which transaction it was for.