Overdraft monsters ate my paycheck
 

This is mostly a rant.

That ---- ever happen to you? Miss one transaction and it tosses like 4 others out of skew, and you end up with like 4 or 5 overdraft fees. At $33 a pop, that instantly kills a hefty chunk of money.

And wtf happened to those fees, a few years back I was only paying $18 each, now its $33? Greed owned.

In the words of Harold from Harold and Kumar, "----."

Re: Overdraft monsters ate my paycheck
 

yeah man I know the feeling..............I don't see how a bank can justify charging so much

Re: Overdraft monsters ate my paycheck
 

I had a new credit card with 0% interest for blah blah months. I maxed that bitch, then made a payment for $800 on the same day I bought something for $800 (so I wouldn't go over my credit line). I made the payment the day before Marthur Luther King day, and bought the ---- the day after and the purchase went through before the payment.
So they jacked me up to 26% and I told them to ---- off.


Banks and Marthur Luther King suck dick. >:D

Re: Overdraft monsters ate my paycheck
 

you should call the bank and try to scheme something. I used to do that all the time, get last overdraft fees, and I would call and complain about not having money or what nots, usually it works and they retract the fees, if not all, some of them which is better than nothing

Re: Overdraft monsters ate my paycheck
 

yeah i did that once when it was HUGE and not my fault (paypal double charge) they subtracted half.

think i should try it again?

Re: Overdraft monsters ate my paycheck
 

Hell yes try again! I jacked up my account on vacation one year, and ended up at -$700, hit the bank, picked out a nice older looking chick, and gave her the sad story, she split the diff with me.

You got nothing to loose by trying!

Craig

Re: Overdraft monsters ate my paycheck
 

Go in and tell them that you want to close your account because of their insane overdraft charges. They usually are willing to take some of them away just to keep your money. If they don't then just go to another bank. Credit Unions>most large banks

Re: Overdraft monsters ate my paycheck
 

damn, 33 bucks :o hell, my bank just gave me 500 dollars in overdraft protection, they use to just draft it out of savings if i didn't have it in checking, but if i didn't have it all, i was fucked, the check would bounce, i'd owe the bank and the person the check was to. now, they'll cover 500 bucks, but i still have to pay 20 dollars per transaction if they dip in to that 500. i wasn't even thinking and wanted to 'test' their system and see if i could take that money out of the atm also, so i took all the money i had in checking out of the atm, then made another transaction to dip into the overdraft fund, and they actually even let me take the money out, but it ended up costing me 20 bucks for the fee :P

Re: Overdraft monsters ate my paycheck
 

haha i HAD a 1k overdraft pertection. Cashed out the 1k and was in the negative. Didn't pay it back for like 6-8 months. What does that mean? A 1k loan for the measling fee of 22 dollars O0

Now my overdraft limit is at their discretion :-\ They may or may not cover a 1k overdraft anymore. Oh well, I don't care 8)

Re: Overdraft monsters ate my paycheck
 

nice, totally worth it.

Re: Overdraft monsters ate my paycheck
 

i got hit with a 25 dollar charge for that not too long ago.....

you sure it just wasnt you gettin beat up after a bad sexual transaction with a male customer??

did he take ur wallet and not reach around... ---- i dunno im tired its time for bed....





















nigga

Re: Overdraft monsters ate my paycheck
 

in the words of harold and kumar, i want some white castle

Re: Overdraft monsters ate my paycheck
 

yeah man, i had the bank take the overdraft feature off of my account. i'd rather be denied then blissfully getting in debt

Re: Overdraft monsters ate my paycheck
 

i chose to have no set amount of money in my account rather than money for overdraft. put 10 bucks of gas in my car when i had five in checking and they closed my ---- and threw a 30 somethin dollar fee on my savings. never did understand that ----, i took to m uch money out and you charge me more when you and me know i dont have ----. Just give me a purple nurple next time.

Re: Overdraft monsters ate my paycheck
 

learn to balance a checkbook y0 ;)

Re: Overdraft monsters ate my paycheck
 

i use wachovia and have 2 accounts, i always keep extra money in my seconds (roughly $100) if i ever get an overdraft, it takes the money from the second account for $5 so its nice to have :P

Bank of America will ---- the ---- out of you and so will Citi wachovia is the best place i have found and the checkin accounts are free!!!!!!!!

Re: Overdraft monsters ate my paycheck
 

damn that sucks, like you said when that happens it throws the whole account outta whack :-\

Re: Overdraft monsters ate my paycheck
 

i had this happen just recently but thank god that they pull anything thats overcharged out of my savings. like two or three years back i got overcharged like 5 or 6 hundred. that was shitty.

Re: Overdraft monsters ate my paycheck
 

balancing it really didnt come to mind when i had less than 20 bucks in each account. :P

Re: Overdraft monsters ate my paycheck
 

ive never had any problems and i dont even write ---- down

Re: Overdraft monsters ate my paycheck
 

iv had like one problem but i never write down my ---- i keep up with it in my head, and the time i did have a problem it wasnt my fault

Re: Overdraft monsters ate my paycheck
 

i dont use a checkbook, i barely use my checking account. i just spaced out on tossing in a chunk of money for those 'automatic' withdrawls.

oh well, ---- happens.

Re: Overdraft monsters ate my paycheck
 

i had my insurance set up on autopay, took all my money outta my account n i forgot about it, juss kept spending, i ended up with $160 in overdraft fees for like 5 3$ purchases ...

Re: Overdraft monsters ate my paycheck
 

i just add a $28 fee to most of my purchases automatically lol. Over drafts suck balls, i guarantee I spend over $300 on them already.

Re: Overdraft monsters ate my paycheck
 

i'm about to aquire some nasty overdraft fees myself if this punk i gave money to goes to deposit my check. :-\ i need to get my last check from my old job asap. :(

Re: Overdraft monsters ate my paycheck
 

you dont have a back up plan? haha. i have my credit card to cover me if my ---- gets into the negatives. dont get charged for those outrageous prices for over drafting. and my checking account is free. wells fargo rocks for me. i dont know about you guys. haha. they never took my ----. just email them with the problem they fix it. ;D

Re: Overdraft monsters ate my paycheck
 

2 words.... Overdraft protection get it , use it

Re: Overdraft monsters ate my paycheck
 

thats not available to all of us, unfortunately.

Re: Overdraft monsters ate my paycheck
 

i just found out that my savings account that i have paypal funded with only allows 6 electronic transaction per month and i ordered a grip of ---- this month for my turbo kit and got popped $5 for every transaction after the 6th one. after having the same bank account for 4yrs i just barely learned this. my savings is usually empty so when i go to buy something i just transfer the amount from checkings to savings and that ---- counts as an electronic transaction as well as the paypal withdrawl. gayness.