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Posted: 9/9/2004 5:56:48 PM EDT
[Last Edit: 9/9/2004 5:57:06 PM EDT by kpel308]
Link Posted: 9/9/2004 5:59:21 PM EDT
Link Posted: 9/9/2004 6:01:34 PM EDT

Originally Posted By The_Beer_Slayer:
get used to this. Oct 1st new regs regarding the handling of checing transaction take effect. Folks that live paycheck to paycheck or "FLOAT" checks for a day or 2 until deposits clear are in for a RUDE awakening.


What kind of changes?
Link Posted: 9/9/2004 6:03:44 PM EDT
Im sorry.... Sounds like UsBank.
Link Posted: 9/9/2004 6:05:00 PM EDT
Link Posted: 9/9/2004 6:05:49 PM EDT
Link Posted: 9/9/2004 6:05:55 PM EDT
sucks dude
Link Posted: 9/9/2004 6:06:27 PM EDT
Link Posted: 9/9/2004 6:07:08 PM EDT
Link Posted: 9/9/2004 6:15:16 PM EDT
Link Posted: 9/9/2004 6:18:16 PM EDT
You could title it "I'm pissed off, too!"
Link Posted: 9/9/2004 6:24:36 PM EDT
[Last Edit: 9/9/2004 6:26:49 PM EDT by Lightning_P38]
Link Posted: 9/9/2004 6:27:37 PM EDT

Originally Posted By Lightning_P38:
I use Bank of America, they aren't all that bad, but htey can be very hateful when it coems to overdraft charges, and they aint bullshitting about doing you debits in order from largest to smallest, what they didn't tell you is that they also have a habit of waiting a couple of days to process certain withdrawals, especially if they see signifgant debit card useage. Last pay day I made a forty dollar error, I had been on the road all week, and had misplaced a diesel reciept, so I thought I had a little more than I did. At the begining of the week I made several small debit card purchases, at on wednesday I told my wife to go pay the power bill. I check the bank firday morning and find out that the power payment had cleared, before all of the two and three dollar debit card purchases, I ended up being overdrawn by forty dollars, before they added thier overdraft fees, ten of them, thats right thre hundred and thirty dollars in overdraft fees, and I am supposed to have overdraft protection linked to my savings account (if I overdraft it is supposed to transfer $500 from savings to checking, with only a single fee. I called them and it was useless, they told me there was nothing they could do, that it was a mistake but that htey couldn't reverse any of the charges.

Edited to add: Keep your lectures to yourself, I realize I screwed up and should have kept better track of my balance, but if you tell me that $330.00 is in any way a fair charge for being $39.57 overdrawn I disagree, unless you live in the third world somewhere where the local mob runs the bank.

That same thing happened to me at the first of this year. But mine was $600 ish.
Link Posted: 9/9/2004 6:31:10 PM EDT
[Last Edit: 9/9/2004 6:36:23 PM EDT by Lightning_P38]
Link Posted: 9/9/2004 6:38:16 PM EDT
My wife had a habbit of overdrawing us by lunch money amounts to the point of breaking me. I have paid all my bills with money orders for three years now. Have no checks to bounce and she gets her allowance for groceries and household in cash. She has yet to find a way to bounce cash. It sucks but not $1300 in one month worth (the straw that broke the camel's back was a one month overdraft total of $1300). Planerench out.
Link Posted: 9/9/2004 6:41:40 PM EDT
Link Posted: 9/9/2004 6:51:02 PM EDT
Link Posted: 9/10/2004 2:13:51 AM EDT

Originally Posted By The_Beer_Slayer:
NEVER give creditors access to your account if at all possible. direct pay them or epay them but DO NOT authorise direct withdrawls.



My fiance tanked her credit this way , and it blows that the banks always do all the charges first than the deposits even when the deposit was before the withdrawl.

Her acount is so fubar I told her just close the fucker out , and I will take care of the fees so the shit can stop .
Link Posted: 9/10/2004 2:31:49 AM EDT
I've been there several times with Wells Fargo. How much do you want for that .45 AR?
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