My ARC expired about 7 months ago. I have been out of Taiwan during all this time. I still have an account at CHB bank with some funds in it (I didn’t close the account because I thought I might come back to Taiwan and need it, though now I have found employment elsewhere so that plan is gone). I am able to access my TW account online, but not transfer any money out since my ARC expired. I have not tried withdrawing funds from an ATM overseas, as I am too worried it will flag the system or whatever.
I will return to Taiwan next month with the intention of either transferring all my remaining money out to my home country’s bank (which I have done with them before, albeit when my ARC was still active), or at the very least withdrawing it all in cash. I will go to the exact same branch I opened the account at, where they already recognize me from my many, many visits (we all know how much fun it is to deal with these banks). I will have my passport, ATM card, banking books, Taiwan health insurance card (with ARC numbers on it) and my expired ARC (this last one I would rather not show to them due to its expiration, if possible).
In your experience, do they allow the account holder to transfer all funds out to another bank if the ARC is expired? (provided I am there in person in Taiwan)
If they have a problem with that, will I encounter any trouble at least taking all my money out directly from them? (it is less than 500k NTD)
In your experience, does the ATM card still work in Taiwan even if the ARC is expired?(ATM card doesn’t expire for a while)
Thank you guys, much appreciated