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#1
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Those bank overdraft fee!
Dang! Got nailed with two!
Recently opened a free checking account for petty spending, gas, Ebay stuff, and other online spending. It feels good not using my credit cards for these things. I don't have much in this account and so I try to watch how much I spend. Well, I thought I had enough cash reserve to order some things online not too long ago since I had made a recent deposit ($85), but today I made a $400 deposit and wham-o! That's when I learned I got two overdraft fees at $33 each! I'm a bit disappointed with myself. I think it was the gas and small stuff at the grocery store that pecked away at my account, and with an online purchase of almost $60 I was about $9 short. I wasn't aware of it and made an Ebay buy days later, so there're two ODs for ya. GRRRRRRRRRRRRRRRRRRRRRRRRRR! |
#2
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ugh I hate those with a passion, I once miscalculated the days it would take for some stuff to pend and I got massively hit and beaten with NSF chargers. I was -275$ and one of the charges was for a 99 cent itunes song. Thankfully I knew someone at the bank and got all but one reversed.
It's so stupid, I was pissed they charged me 33$ for a 99 cent itunes song. I mean, god forbid they had to pay 99 cents.
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2007 BMW 328XI |
#3
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I have never bounced a check in the 30+ years I've had a checking account. I just don't write the check if the amount is larger than my balance. You can't "kite " checks anymore. Most places deduct the amount from your account when you make the purchase. That's why when I go to town to do my errands I make the bank my first stop!
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#4
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No, that's 20 ODs for YOU. You screwed up and you are not the govt so you don't get to play shell games. If you can tell us it is the bank error, fine. Otherwise, it is your own fault. Set up some sort of OD protection or something like that.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#5
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God forbid you be asked to keep track of your finances better. Have I been hit by them? Yes. If it is my fault, I lump it and take it as a learning experience. If not, I raise hell with them.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#6
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Quote:
Are you an undercover agent working for Chase? I CAUGHT YOU!!!! SURRENDER!! LOL
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2007 BMW 328XI |
#7
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what gets me is if say i make a deposit it might take a day or two to post to my account.BUT when they take it out it is instantaniously.which is total BS.if they can take it out when say i buy stuff at wal-fart.why does it take an extra day to post to my account if it's after 10 a.m.???
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#8
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Quote:
I have sent bad customers over to Chase bank because I don't like them. The only thing I like about them is the slogan they used to have. "Chase! Where the right relationship is everything".
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#9
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Quote:
When I transfer funds between savings and checking, it is instantaneous. Same as with cash deposits at the teller.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#10
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Hmm my bank won't let me withdraw funds if I have insufficent funds.
If I write a check that's another story. I'm not sure I enabled the overdraft credit protection. Better check on that.
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-Typos courtesy of my mobile phone. |
#11
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Quote:
I would enable it.
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01 Ford Excursion Powerstroke 99 E300 Turbodiesel 91 Vette with 383 motor 05 Polaris Sportsman 800 EFI 06 Polaris Sportsman 500 EFI 03 SeaDoo GTX SC Red 03 SeaDoo GTX SC Yellow 04 Tailgator 21 ft Toy Hauler 11 Harley Davidson 883 SuperLow |
#12
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Quote:
Fees (all kinds of) are a bigger income source for banks than interest on loans. They'll catchya if they can.
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1984 300TD |
#13
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And they are making all the hay they can before the new reg's hit, the good news is they will no longer be able to charge the fee's they are, the bad news is bounce protection will be gone since the risk will not be worth the reward.
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