Quote Originally Posted by iloveboost
Of course a banks are out to make money. Who isn't? The bank makes money by you keeping money in their bank. When you spend money you don't have, the bank has to front the money and they have to be compensated for your lack of money management.

Ummm... the order of your transactions means jack. It gets processed through your bank when the vendor/merchant processes their transactions. Wal-Mart usually processes their transactions daily, so you'll almost always see their money come out immediately. Some places process their transactions weekly, or every 2-3 days. This is why transactions don't post to your account for a few days at times.

You would rather Subway or some gas station get their money instead of paying on your mortgage or rent?? At least you've got your priorities straight. Bank researchers have suveys and polls and ask what most consumers would rather have paid first. Large transactions (rent, car payments, bills, mortgages) first and then small purchases (fast food, movie theatres, convenience stores) second in order of priority. Guess what? Most people would rather large financial obligations be paid first.
true... but not when the large bill is something that isn't yours.. then you get charges for all the little small things you bought...

i mean... buying a coke for a buck at a convenient store.. then being charged an extra 35 bucks isn't really fair...

i know some banks that actually go by percentage... kinda like and interest charge for loaning you the money.. which i completely think is the way banks should do it... i mean i like me some sun chips.. but am i willing to pay 36 dollars for them??? no.... and that's one of the reasons things are screwed up... all the stupid small charges that went through after the big one sucked up all the money...

like i said.. i balanced everything out... EVERYTHING and had a positive balance for like 3 days... then all of the sudden my acct is negative (this is recent... not when during the restaurant thing...) my acct when from like -20 back to +30... to +60... then all of the sudden negative again.. after all transactions were accounted for... for the life of me i can't figure it out.. i've called numerous times about it.. i was able to get one overdraft charge taken off... but there is still another one. heck i even called before the OD charges were there and told them... "if i deposit this amount now will that take care of everything and keep me out of the whole"... they said yes.. so i did.. and i still got screwed and the od charges were still posted.. even though the money was in the bank and i hadn't charged anything else...... but like i said my acct has been screwy ever since the restaurant thing.... and i don't know why...