Oh No! I Forgot to Change My Debit Account for Tonight's Show!

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Discussion Overview

This thread revolves around a participant's experience with managing their debit account for Pampered Chef shows, highlighting challenges faced with direct deposits and credit card usage. Other participants share their perspectives on account organization and the importance of separating business and personal finances.

Discussion Character

  • Anecdotal
  • Opinion-based
  • Exploratory

Main Points Raised

  • One participant describes realizing they forgot to change their debit account before a show and expresses concern about using a personal credit card for submissions.
  • Another participant suggests the need for organization and having separate bank accounts for business expenses.
  • One participant shares their experience of contacting the finance department to clarify which account was set up for direct deposit and feels relieved after receiving confirmation.
  • Another participant emphasizes the importance of having a dedicated account for Pampered Chef to avoid mixing personal and business finances.
  • Several users mention the benefits of having separate accounts to manage business-related fees and deposits more effectively.
  • One participant humorously questions the need for multiple checking accounts, while another explains their reasons for having three different accounts.

Areas of Agreement / Disagreement

Views differ on the necessity of having separate accounts for business and personal finances, with some participants advocating for it while others share their varied experiences without a clear consensus.

Contextual Notes

The discussion reflects personal experiences related to managing finances as Pampered Chef consultants, focusing on the practicalities of account management rather than official guidance.

Who May Find This Useful

Consultants looking for insights on managing their business finances and experiences related to direct deposits and account organization may find this thread relevant.

clshirk
clshirk
Messages
296
I have a show tonight and I just realized I never switched my debit account over. When I initially signed up for direct deposit, I used one of my main accts, and I have no clue which one. Then I opened another acct at a bank that is everywhere rather than just in WV for PC. I never re-submitted an application to change this or called to find out what to do. So, for the last 6-7 shows I submitted using my cc (I know, big no-no- but I paid it off immediately as soon as I deposited the money into my acct, so I never missed anything). Anyhow, so I think they said we can't use our personal cc's any more to submit- so I"m faxing the new debit card over today- but that's not going to change for at least a week and I am going on vacation Saturday, so I'm submitting the show tomorrow evening.

Any ideas? I was thinking of either moving money from savings into the checking acct that I have the debit card set up with, but I have no idea which acct I set it up with. Or should I just put cc pay on each person's payment with my cc for all check payments? Oh my, I am in a mess.

And does anyone know how to actually contact anyone about the debit card? Seems I can't find a number that leads to a human being for immediate contact.
 
Oh dear, you need some organization. You especially need totally different bank accounts for all your business expenses and deposits. Call Pampered Chef and ask if they can tell you which bank they have the direct deposit/debit on, and if you need to change it.I do use a credit card for my Pampered Chef shows, but it's the PC Visa. I don't use any other personal credit card or whatever to submit shows.
 
  • Thread starter
  • #3
Ok- I think I'm organized now. Whew!! I called the solution center and got in contact with the finance department. They told me where my money would currently be debited from, but also said that if I faxed in the new debit form info, they would call me as soon as they received the fax to confirm and then later on in the day I would be good to use that acct. So- I am faxing it this afternoon via my husband and then I should get a call tomorrow morning. I spoke directly with the girl who will recieve the fax, so I feel much better now.
Ok, now that that's that- I'm set I believe. I also have my direct deposit going to that acct, not sure if I should have done that or not. I think it may become a mixing of business with pleasure deal- so I might need to switch that up again.
Agh!
Thanks for the reply.
 
Ohhh, darling, you definitely need to set up an account specifically for PC. Then you can deposit customer payments and won't be tempted to use that money for other things just because it shows up on your statement. It's also just handier in case you have bank fees. Then all the fees are a business expense, since they're for your business account.

Many banks have free checking accounts. They don't earn interest, but there's usually only a $50 minimum to open them.
 
Get a separate account PRONTO!
 
  • Thread starter
  • #6
LOL- the sad part is, I have 3 checking accts at 3 different banks- and I actually had my direct deposit going to another acct, then I accidently switched it today by filling out the direct deposit form online rather than the debit form. But, I can fix that again I suppose. I'll tell the girl when she calls tomorrow to keep me at my old direct deposit or something. And go with the new debit. This was a mess. I understand what you mean about keeping them separated. I definitely will.
 
Why on earth do you have 3 checking accts?!?!?!!?
 
  • Thread starter
  • #8
Dh and I share 2 checking accounts- one is the first one we had when we lived in NC and it actually gets interest in the checking and savings accts. Branches are only in NC- SECU. We never cancelled them and actually use it as the 'bonus' acct. Then our regular checking acct is here in WV for local banks. Opened that when we moved here since we can't use the others daily at a branch. Then I opened my own 3rd acct at a BB&T just for PC since they are nationwide I think.

As for the debit/direct deposit, the girl from the solution center told me that as long as I go back and fix the online direct deposit acct from the online change form, then it'll go back to that. She also has the debit set up now from my BB&T acct now, so that's what I was hoping since that's where I put all my money.
So, I"m set now.
 

Frequently Asked Questions

What should I do if I forgot to change my debit account for tonight's show?

If you forgot to change your debit account, first try to contact your bank to see if they can assist you in making a quick change. If that’s not possible, inform your customers that there may be a delay in processing their payments and assure them that you will resolve the issue promptly after the show.

Can I still process orders if my debit account is not updated?

How can I prevent this from happening in the future?

To prevent this issue in the future, set reminders a few days before your shows to check and update your payment information. Additionally, consider keeping a checklist of tasks to complete before each show, which can include verifying your payment accounts.

Will my customers be notified if there is a payment issue?

Typically, customers will not be notified automatically about payment issues. It is your responsibility to inform them if there is a problem with processing their payments. Transparency is key to maintaining trust with your customers.

What if I need to refund a customer due to payment issues?

If you need to issue a refund due to payment issues, you can do so through your Pampered Chef account once your payment information is updated. Make sure to communicate with the customer about the refund process and timeframe to keep them informed.

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