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Banks n their overdraft BS!!!!! (pg. 3)
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| clubamerica |
| quote: | Originally posted by Enigmatic XTC
i managed to rack up over about $400 doing that once. Luckily i knew someone who worked for the bank, so they all went away. ;) |
hey do the work for bofa? man this 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:whip: :whip: .next day i walk into the bank and close all my accounts with them f***king clowns:whip: :whip: |
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| Trance Nutter |
| quote: | Originally posted by DjWhooCares
in the club i purposely went over it, |
| quote: | Originally posted by DjWhooCares
cuz i was in the negative when i didnt know it:whip: |
i don't get it, you say you deliberately took out more but then you claim you didn't know.
| quote: | 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 :whip: :whip:
Thats where it gets gay, why should they charge you for using someone elses ATM when they aren't supplying the service themselves?
| quote: | Originally posted by A.J.
P.S. I get 5.90% interest on my online savings account :p |
ING :D :D :D :D :D |
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| Enigmatic XTC |
| quote: | Originally posted by clubamerica
hey do the work for bofa? man this 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:whip: :whip: .next day i walk into the bank and close all my accounts with them f***king clowns:whip: :whip: |
no. wachovia |
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| 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 $5 purchases. we left them and went to Bank of America instead and have yet to have a problem.
i feel your pain... in ******s |
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| DjWhooCares |
| quote: | Originally posted by Trance Nutter
i don't get it, you say you deliberately took out more but then you claim you didn't know.
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well that sunday i chcked, and it showed i had 15$ 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? |
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| EXTREMUM |
| quote: | 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. :nervous: |
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| DjWhooCares |
| quote: | Originally posted by EXTREMUM
I can't imagine where I would be, if I let my balance run that low. :nervous: |
o...k...moneybags |
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| EXTREMUM |
| quote: | 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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| gehzumteufel |
| quote: | 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.
| quote: | 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... in ******s |
so you went from one ty bank to another? i work at wells fargo and i think they are a ty 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. |
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| DjWhooCares |
| quote: | 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 bricks too:nervous:
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:toothless |
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| 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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| EXTREMUM |
| quote: | 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. |
| quote: | 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... :haha: |
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