STYLETHREAD -- LET'S TALK SHOP!

BargainQueen wrote:

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Thanks guys, you made me feel so much better. I'm glad I'm not the only one this happens to. Around here everyone pretends it has never happened to them and I feel like such a loser. I really need to start writing things down right away, because I forget. But I'm still sad I spent my shopping $ for this weekend on ovedraft fees. Lesson learned.

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*warning long rant/story ahead* definitely start writing things down. since i've started doing it, i haven't had any overdrafts, with the exception of last week, but i've also been really lax about writing things down this month, and have picked up the slack. not to lecture you (since i'm sure you're very responsible with your money) but they can close your acct. or take away privileges  if you overdraw too much (read the fine print about the terms of your account).

honestly banks aren't really in the business of helping you prevent overdrafts, since that's where they earn their fees (sorry to the bankers out there, but i've yet to have a really positive experience with a bank). and a lot of times they resort to what i think is questionable accounting.

perhaps your bank is better than mine, but i only learned after i broke down in tears with a customer service agent b/c i was like wtf are you doing to my money. even the online banking systems aren't reliable (again ask a cs agent or read the terms). my former bank (i've moved my money) does this funny thing where the only accurate information was the info. the teller had. on more than one occassion i made the mistake of thinking a check hadn't cleared yet (usually the evening b/f my direct deposit went in) so i assumed that i was okay. only to find out the next day that it went in, they just hadn't posted it, and i'd overdrawn my account. the really frustrating thing was that it was usually due to me purchasing something stupid and insignificant that i could totally have waited for (like a frappacino) and getting slammed with fees. also sometimes there would be no discrepancy b/t my current balance and available balance so i'd think that everything had cleared (this was b/f i started writing everything down) and i was okay, only to find out i was not.

anyway sorry for the rant, but please write things down, it will save you soo much money.

leah_leanna wrote:

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Man this has me written all over it...I do this like once a month... I've gotten better lately, maybe down to once every two months...but still... When my estranged husband still lived with us I used to say we were paying the bank better than we ourselves get paid... And an additional note...I HATE MY BANK....5/3 Bank charges $60 for every overdraft and $6 each day, so the very first day I overdraft they charge $66 and even if I put in enough to cover it, they charge the next day $6 because they process all the withdrawals first and then the deposits.  Any one know of a decent bank in Ohio???

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I still have my account w/ Kemba credit Union although I'm in Connecticut.I opened mine when I was about 14.........I love em'!In fact I still have part of my check direct deposited even though I'm not In Cincinnati anymore.

Check it out:

www.kembacu.org

And they pay your overdraft mine I think is up to $500, which is great just in case your off and a car payment or something is going through........the is a fee of $25 I think but I'd rather that then a late payment and then the company charging you fees up th ying yang.