I hate banks...

[Kain]

So I look at my account yesterday and I'm dangerously close to an overdraft because I forgot about a $20 charge I did a couple days before. Uh oh, so I got throw in $20 to my account, bringing me back from the brink of ****eddom. Yea, so I just woke up and guess what I find! $26 overdraft charge.


Yay.

[Mex]

Oh my god. >.> $26 dollars is no big deal.

*runs, fast*

[sarak]

its no big deal but it does annoy

[--ZeeMan--]

rob the bank for your 26 dollars back :D

















what?

[Doomie]

Ehm... What is an overdraft, could you explain the story more clearly?

Sorry, i'm from outerspace you know, so i don't know those words. If you'd explain i'd probably figure out what it is in my language.

[--ZeeMan--]

overdraft means you tried to withdraw/pay for something and essentially you didn't have enough money in there to begin with.


and kain i just realized that SOME funds aren't available until 24 hrs after deposit, but that's usually for paychecks and i wouldn't think it'd be associated with cash but that may have been what happened

[SeleneRayne]

Sorry :( I'll pay you sweetie

[Doomie]

Thanks zeeman...

[Darth Homer]

Also, just FYI for the uninitiated, it seems that standard operation procedure for all banks is that they process the largest payment from your account first.

Why do they do this? Well, if you would happen to not have enough money for the largest transaction, but could cover all of the smaller payments combined (if they were processed first), this would garuantee that you would get hit by not 1, but MULTIPLE overdraft charges for each payment.

To illustrate:

say you have $100 in your account (translate that into whatever your local currency is; pounds, francs, rupees, yen, clam shells...).
You have the following payments (in this order):
$10 gas
$5 lunch
$20 t-shirt
$105 books

Bank will process that in this order:
$105 books
$20 t-shirt
$10 gas
$5 lunch

Thusly, you get 4 overdraft charges instead of only 1. :mad:

[TiE23]

Uh oh... Kain IS The Incredible Hulk!!!
*$26 dollars belong to me!!! Arrgghhh!!!!*

BTW: Post number 1600!

TiE

[BongoBob]

That is really messed up. That seems like that is how it works too.
I hate capatilism sometimes.

[Zappa_0]

Yep me too...I dont trust those sneaky little people in those fancy cloths. Thats why I keep my 10 grand in 20 rusted coffee cans under the floor of my house. And for security, ive got a few of those huntin dogs and a shot gun close by.


LOL....I just had to say that :D!

[Kain]

I called em and they fixed it. DAMN STRAIGHT!! THEY ARE THE FIRST TO FEAR MY WRAITH!!

[RoxStar]

I would takl loudly to the tellers and use huge hand motions. Then you'll get to talk to the manager.

[Darth Homer]

Originally posted by RoxStar
I would talk loudly to the tellers and use huge hand motions. Then you'll get to talk to the manager.

or the cops...

[Kain]

Originally posted by Darth Homer
or the cops...

Then the judge...then Big Buh-Buh...

[ET Warrior]

Originally posted by Darth Homer
or the cops...

Or worse..............MOM!!! :eek:

[--ZeeMan--]

LOL....get your mommy to help with this :rofl: good idea ET *sigh*

[toms]

i hate banks. Although i have to say that now that i have moved to internet banking (IF in the UK) things are much less hassle as i can keep an eye on stuff, move money around and set up automated movements without having to deal with idiotic bank staff.

[Astrotoy7]

Originally posted by Kain
I called em and they fixed it. DAMN STRAIGHT!! THEY ARE THE FIRST TO FEAR MY WRAITH!!

you mean your WRATH right ? :p

just add them to the database of "People Kain will kill when he rules the world" do they get to go above or below me and zee ? :p

yeah, banks do suck, just do what my grandma did, hide $50,000.00 under her mattress....

mtfwbya

[XERXES]

Originally posted by Michaelmexp
Oh my god. >.> $26 dollars is no big deal.

*runs, fast* It is when it starts to multiply because you had to wait until pay day to pay it off.

[Darth Groovy]

My bank will not only charge $27 in overdraft charges, but it will charge you $5 a day until you "adjust your account". My favorite bit of crap, is that even if you have enough $ in your account, they will not cash a personal check written to you unless you have at least that amount, plus the minimum balance. What a bunch of crap. Want to hear another good one? They deposit all of your checks on the same day, so if you write one bad check, all of them will bounce, and they can charge you $27 for each check written.

Want to put banks out of business? Join a credit union.

[--ZeeMan--]

Originally posted by Astrotoy7
you mean your WRATH right ? :p

just add them to the database of "People Kain will kill when he rules the world" do they get to go above or below me and zee ? :p

yeah, banks do suck, just do what my grandma did, hide $50,000.00 under her mattress....

mtfwbya


hmm....so is the money still there and can i have directions to her house for no reason at all?


and they'd better go below us or else! i'll come up with something later

[MennoniteHobbit]

Good thing they fixed it.

Meh, my bank doesn't give cr@p like that.

[Hermie]

I love Banks!
http://www.kodice.com/pekatus/tias/monograficos/Tyra%20Banks/Tyra%20Banks%2014.jpg

oh... banks... well they suck.

[Kain]

Originally posted by Darth Groovy
My bank will not only charge $27 in overdraft charges, but it will charge you $5 a day until you "adjust your account". My favorite bit of crap, is that even if you have enough $ in your account, they will not cash a personal check written to you unless you have at least that amount, plus the minimum balance. What a bunch of crap. Want to hear another good one? They deposit all of your checks on the same day, so if you write one bad check, all of them will bounce, and they can charge you $27 for each check written.

Want to put banks out of business? Join a credit union.

You think THATS bad? My bank charges $26 a day until your account is fixed. And everytime another charge finally goes through.

[ZBomber]

Originally posted by TiE 23
Uh oh... Kain IS The Incredible Hulk!!!
*$26 dollars belong to me!!! Arrgghhh!!!!*

BTW: Post number 1600!

TiE

I dunno why, but that made me laugh so hard. :rofl: