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-- Banks n their overdraft BS!!!!!
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Re: Banks n their overdraft BS!!!!!

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Originally posted by DjWhooCares in the club i purposely went over it,

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Originally posted by DjWhooCares cuz i was in the negative when i didnt know it

i don't get it, you say you deliberately took out more but then you claim you didn't know.

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Originally posted by A.J. Credit Unions rule My Credit Union charges me NO FEES WHATSOEVER. I can use any ATM i want and can use my Visa Debit Card pretty much anywhere, but i never have to pay fees.

My bank account is the same except for the any ATM bit, get done 3.50 or something for using another banks ATM. Not a problem in SA, Vic or NSW (my bank ATM's are everywhere), but it bites in any state that doesn't have St George and you've got no choice except to use another banks
Thats where it gets gay, why should they charge you for using someone elses ATM when they aren't supplying the service themselves?

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Originally posted by A.J. P.S. I get 5.90% interest on my online savings account

ING

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Originally posted by clubamerica hey do the work for bofa? man this shit happened to me to once i went over the limit by 1.12 cents and since i have a bofa credit card the "overdraft" comes from the cc not my savings account.that sucked because they withdraw in incraments of 50's and as a "cash advance" needless to say i went over the credit limit and they screwed me twice .next day i walk into the bank and close all my accounts with them f***king clowns

no. wachovia

dont even get me started, my wife and i lost close to a $1000 over a period of a year at SouthTrust Bank (before they were bought out by Wachovia).

they'd deliberately delay our deposits and let all the BIG transactions hit first them charge us $30 a pop for $5 purchases. we left them and went to Bank of America instead and have yet to have a problem.

i feel your pain... fuckin ******s

Re: Re: Banks n their overdraft BS!!!!!

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Originally posted by Trance Nutter i don't get it, you say you deliberately took out more but then you claim you didn't know.

well that sunday i chcked, and it showed i had 15$ n some change, so i went to the club and i knew i would go over by the end of the night, so i didnt mind paying overdraft fee once, cuz i wanted to enjoi the night....little did i know i was in the negative already...get it?

Re: Re: Re: Banks n their overdraft BS!!!!!

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Originally posted by DjWhooCares well that sunday i chcked, and it showed i had 15$ n some change...

I can't imagine where I would be, if I let my balance run that low.

Re: Re: Re: Re: Banks n their overdraft BS!!!!!

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Originally posted by EXTREMUM I can't imagine where I would be, if I let my balance run that low.

o...k...moneybags

Re: Re: Re: Re: Re: Banks n their overdraft BS!!!!!

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Originally posted by DjWhooCares o...k...moneybags

I'm not saying that, to bash on you. I'm far from being Mr. Moneybags. I'm just saying that, because I've been living on my own for a long time, and if I only had $15 to my name, I'd be afraid - very afraid.

If you're still living with parents (are you?), it's not as bad, since you have a place to live.

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Originally posted by _Nut_ use a credit union. They transfer funds from my savings to checking if I 'overdraft' and never get charged.

rofl this is a feature at EVERY bank in the world. its called OVERDRAFT PROTECTION. you have diffrent choices for overdraft protection though. you can choose to have it overdraft to a credit card or withdraw money from your savings account whichever you choose.

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Originally posted by Dj Dizzy dont even get me started, my wife and i lost close to a $1000 over a period of a year at SouthTrust Bank (before they were bought out by Wachovia). they'd deliberately delay our deposits and let all the BIG transactions hit first them charge us $30 a pop for $5 purchases. we left them and went to Bank of America instead and have yet to have a problem. i feel your pain... fuckin ******s

so you went from one shitty bank to another? i work at wells fargo and i think they are a shitty bank too! go to a credit union. get away from the big corporate banks. the only one that seems to be ok is citibank but they arent anywhere near as good as credit unions.

Re: Re: Re: Re: Re: Re: Banks n their overdraft BS!!!!!

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Originally posted by EXTREMUM I'm not saying that, to bash on you. I'm far from being Mr. Moneybags. I'm just saying that, because I've been living on my own for a long time, and if I only had $15 to my name, I'd be afraid - very afraid. If you're still living with parents (are you?), it's not as bad, since you have a place to live.

ohhhh alright...definately get what ur saying..id shit bricks too

yeah with parents, tbqh, my mom wont let me move out lol..i dont think i can yet..im not responsible enough :P
i think this thread shows that

Or geez, how difficult is it to live within your means? If you make a deposit and they put a hold on it, just don't spend that money til the hold is lifted. I really get annoyed with people who haven't learned the basics of budgeting and managing their money. If you don't have money, don't spend it. It's not hard.

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Originally posted by Echo of Silence Or geez, how difficult is it to live within your means? If you make a deposit and they put a hold on it, just don't spend that money til the hold is lifted. I really get annoyed with people who haven't learned the basics of budgeting and managing their money. If you don't have money, don't spend it. It's not hard.

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Originally posted by EXTREMUM I don't understand, how people can't manage their own bank account, without hitting overdraft. Either, slow down on your spending, or manage your bank account and credit accordingly. It's not that hard.

Welcome to Page 2, Post 2...

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Originally posted by EXTREMUM I'm not saying that, to bash on you. I'm far from being Mr. Moneybags. I'm just saying that, because I've been living on my own for a long time, and if I only had $15 to my name, I'd be afraid - very afraid. If you're still living with parents (are you?), it's not as bad, since you have a place to live.

Well, see, you weren't bashing him. I was.

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Originally posted by EXTREMUM Welcome to Page 2.

Hey, way to bust my bitchy bubble. You made me laugh.

Gold star!

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Originally posted by Echo of Silence Or geez, how difficult is it to live within your means?

people know how to do this these days? well maybe its just a southern california thing. most people here have houses they cant technically afford and drive cars that they shouldnt. its rediculous.

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Originally posted by DjWhooCares stop being a snotty brat, thats not why I ranted...

Thats the BEST insult.

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Originally posted by Echo of Silence Hey, way to bust my bitchy bubble. You made me laugh. Gold star!

lesson to be learned here is always mind your checkbook.

No matter what the atm says or the telephone recording might say you have in the bank it is up to you the account holder to keep tabs on what is really in your account to use. If you go over you have nobody to blam but yourself, not the bank but you.



now what pisses me off in pending charges against my account. That shit you have no control over. like the other day i go get gas. I was going to but 20 bucks in. I get home go online and balance my check book and i see that the gas station put a hold on my acct for 75 bucks!!!! So that is ober 50 bucks of my money that i cant touch until the store lets go of it. Now that shit blows.

yup! i've experienced something like bthat before

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