i hate overdraft fee's

[Stormhammer]

You accidentally overspend $20 in one account, and get raped with $260 in overdrafts. ****ing stupid $1 and $2 transactions.

[mocha latte cupcake]

and there was great mourning in your bank account... that sucks man! who do you have?

[Stormhammer]

BoA lol

what just annoys me the most is that the ATM or Online never updated anything till almost 5 days later. Then I see all the transactions, overdrafts etc.

I think its time to change banks.

[mocha latte cupcake]

what?! how did you manage to do that? lol don't you have keep the change?

[Stormhammer]

what?! how did you manage to do that? lol don't you have keep the change?

no lol - this was just one of my accounts ( more my "main" one ) and I threw in money because it was running low but tadaa! It was like surprise buttsecks.

[mocha latte cupcake]

DOH! with BOa you can use your keep the change as overdraft protection. they basically keep 50 dollars in it @ all time or more if you request. sorry to hear that you over drafted enough for barack obama's half brother in africa to live like a king for year. :cry:

and yes... surprise buttsecks indeed :ninja:

[Stormhammer]

DOH! with BOa you can use your keep the change as overdraft protection. they basically keep 50 dollars in it @ all time or more if you request. sorry to hear that you over drafted enough for barack obama's half brother in africa to live like a king for year. :cry:

and yes... surprise buttsecks indeed :ninja:

:lmao:

maybe I should do keep the change...

[4dmin]

that why you have a savings acct w/ overdraft protection ;) then you only get service fee for the auto transfer of funds

[Stormhammer]

^^ I have a savings but I'm just really finicky about tapping it :lmao:

[BB1_Luda]

This chick I know did the same thing. $5-$6 transactions everyday for lunch and other crap. She didn't know her bank account was bone dry.

Her account came down to -$623.28. Woulda took her months just to get some money back in there. LOL :lmfao:

All she did is go to the bank and cry and sob and they took a majority of it off.
B!tches always get off easy.


that why you have a savings acct w/ overdraft protection ;) then you only get service fee for the auto transfer of funds
x2

saved my ass plenty of times.

[Stormhammer]

^^ yeah I tried to get it back by chatting online ( since I'm @ work ) and got the " I tried my best to get you a refund but it appears that the overdrafts were applied to your account correctly"

[Nissan Sean]

just go up to the bank. ive had overdrafts w/boa b4 and i got them to remove a couple charges

[Hulud]

You accidentally overspend $20 in one account, and get raped with $260 in overdrafts. ****ing stupid $1 and $2 transactions.
been there done that

weekends FTL

[itsjustdee]

You accidentally overspend $20 in one account, and get raped with $260 in overdrafts. ****ing stupid $1 and $2 transactions.

that sucks.

[Revlis]

NEVER EVER call customer service or do customer service through online when dealing with overdraft fees. All they are, are just people that answer the phone and go by a book of how to do this and that. Smart thing to do is one, establish a relationship with a bank branch (like making sure you are known there, go in often to do transactions, always saying hi to the branch manager, he's usually on the floor, stuff like that) then two, whenever you have anything to take care of regarding your account you go the the branch that you have established with. The people on the phone are only allowed to enter a specific code for the overdrafts, a branch manager can put whatever he wants and force the refund.

Thing that sucks is when you do it online they do what they call "Decision" the request or something like that, and when they decision it, its done. Nothing you can do. Sometimes they don't though. So, go to a branch and talk to them... in the future, always go to a branch, especially for overdrafts.

[Stormhammer]

for a first post, I am honored that is has been in my thread :D

[eViLMunkey]

Always check your account before you spend money out of it :slap:

[Revlis]

for a first post, I am honored that is has been in my thread :D

Well.. ya know.. I do what I can... lol ;)

[Zeeb]

Yeah. Wachovia one time I had like 3 dollars in the account ( its my extra account I never ever use ) Well I thought I had more so I bought lunch with it which was like 5 bucks... So I went over two dollars. got hit with a 40$ fee. I was so mad, so I said **** it. I never use the account I'm not paying that ****. lol Like 4 months later they closed my account and added on another fee of 40$ more dollars. So now I have an 88$ bill from them and they just set it straigh to a collections agency. Those muther ****ers. I know its all my fault. But really? They sent it straight to a collections agency after shutting down my account. :shrugs: oh well.

[Stormhammer]

Always check your account before you spend money out of it :slap:

I had money in it when I checked - I just hate how some stuff doesn't post and your account doesn't update till 4 days later

[Zeeb]

Yea. My main bank account I dont have to worry cause I keep enough in there all the time. But I always check it like 3-4 times a day.

[Hulud]

I had money in it when I checked - I just hate how some stuff doesn't post and your account doesn't update till 4 days later
be careful on weekends bc they wont get posted till monday so thats what f*cked me 6 years ago

[DeeAOne]

i have Robins Federal. the last time i overdrafted, i think it was like 30 bucks or so, i only was charged a $3 fee. so it was only like $33 when all said and done. i couldnt complain. lol :goodjob:

[eViLMunkey]

That's why I keep receipts. . plus I do Debit whenever I cash out so it posts immediately vs. credit takes a couple days to post...

[Hulud]

That's why I keep receipts. . plus I do Debit whenever I cash out so it posts immediately vs. credit takes a couple days to post...
thats not always true

credit gets taken out just as fast. its only certain places that take a couple days to post and it still takes the same amount of time at those places with debit and credit