Bank Overdraw fees....

[Blaster250]

I think everyone has a bank story gone bad.

Heres one:
I have two checking accounts a two separate banks. My checks both have the same background, and look identical except for my current address. The account with my old address checks is an old account I dont deposit money into. I was paying my credit card bill of $1220, and I paid with the "old check". After it bounced, my bank notified me, I realized what happened, I explained to the credit card company AND the bank what had happened, and another check was on the way. Even though I explained it, they kept running the check through.

In the end, $40 in bank overdraft fees, and $39 for a bounced check fee from the credit card company. All because I grabbed the wrong check.


And that round off into savings thing is a cool idea, maby I might switch.

[kxrider]

i hear ya bro see my problem is when i go get gas at a certain place and i use my debit card well when i check my account online after tha 3 day waiting period for it to hit my account i never see tha money deducted from my account or also when i go to tha atm and deduct sum money out and tha atm dosent spit out tha money but yet it still deducts it from my account and i dont have enough to withdraw tha same amount then i had to wait tha 3 days then after that i had to file a thing with tha bank saying that i never got my money then i have to wait another day or so before it is returned to my account but ive learne that if i get to like $20-$40 left i wont use my card until i put more money in it

[jsmstorm]

Yea I've been thinking about switching to bofa myself my buddy said he made something like $250 last year from that stuff

[SHOWTIME]

Originally Posted by redhatman

I am just kind of mad at my bank right now. I got charged $64 for overdrawing twice($32 a pop). I knew I was low on money, so before I would go spend money I would check the atm for my account balance. If I had money, I would get what I needed. So I checked it, it was $26 left on my card. I spent 13. Little did I know, I had bought gas the day before, putting it under ($60) and the bank did not have the updated balance for me. I was all fine until I spent the $13. I was charged $32 overdraw.

I then needed some more items so i went to the atm again, it still said the + amount so I went ahead and figured the $13 didnt go through yet so I kept it under $13 again.

I got charged another $32.

I called the bank and spoke to 3 different people. I did get refunded for one, but they refuse to refund the other one. They said I should be the one keeping records and my balance. She told me I should be my own banker and not to rely on the online banking or atms....

I still do not understand why it would let me spend money that I did not have. They will not refund me for that excuse either.

What do you think? Any ideas I should try to get the refund?

I would have told you the same thing. Use a check register bro. There
is a lag on the ATM and Online banking. The only way to have a 100%
accurate balance is to keep a written record. Dont get me wrong, Im
not defending the bankers for sounding harsh. But trust me we have
1000 people a day yelling at us about overdrafts when its the users
fault. The atm and online takes 24-48 hrs for the purchase to show up.
Its all about educating the customer. If its the first time, I educate the
customer then reverse the fees with a smile I dont reem my customers
I help them. 2nd times a free for all...I charge em hehe.

Oh and heres my 2cents dont bank at B of A. I worked there for over
4years and left. I didnt like the way they treated their customers. Go
to a small local bank. They actially care about you as a person and
not as a number. Im a manager/officer at a local bank and would never go
back to working at a huge corporate bank. Believe me when I say,
large banks are a mess

ok...banker hat off...mod hat on

[redhatman]

Showtime,

My bank is a small town bank surrounded by plenty of huge banks like B of A, US, Wells Fargo, and TCF. I loved the bank up until recently, when they got bought out by Klein. Now any problems you have go straight to Klein's 1-800 number.

[SHOWTIME]

It sucks when the big guys buy out the small banks...
The down fall of society is touch tone answering systems
When people call my bank, they get me...weather they like
it or not hahaa!

[dajogejr]

Showtime...
Seeing as how 99% of the time, I don't go in a branch....or never call, would you say the same to me about BOA? I do EVERYTHING online. I haven't bought a stamp in I don't know how long. Free online bill pay is the shiznit... Setup the payee, send money. Done. Money comes out of your account, no need to "wait for that check to clear"...

The gas thing with debit cards gets me. They authorize a dollar...and sometimes I put 20.00 in, sometimes I put 100.00 in....

[SHOWTIME]

lol dave your bofa's dream customer!
just messin with ya bro. they dont want
people to bank face to face, they are really
into online and atm. im not saying thats a bad
thing, i just like to work with people. guess its
all in what works for you. if you bank strictly
online then odds are you will never have a
problem...they have the best online banking in
the industry...just never call customer service
because they wont give a flying crap about you
hahaa!

[fl350R]

I hate banks and overdrafts. Start working on that savings account ....