Especially Bank of America.

OK so here’s the deal. We have two checking accounts. One is a personal account, and one is a business account. We had to open up the business account a few years ago when we both found ourselves receiving checks made out to Fineline with no way to deposit or cash them at our own bank. (mine is fineline web design, and his is fineline painting).

So, here we are with two bank accounts, and we each carry a checkcard for the business account, and we each carry a checkcard AND a checkbook for the personal account. We’re both bad with managing money, and we’re both forgetful. It’s not surprising that we occasionally have a bounced check, both thinking we have more money in the bank than we do. I get my paycheck automatically deposited though, so usually they’ll just go ahead and pay whatever check comes in. With an overdraft fee, of course.

NOW, this is what I really want to bitch about…

I logged onto my accounts online a few days ago, the day before my paycheck electronic deposit, and here was the last three transactions on the personal account:

(balance here is 35.90)
10/26/2006: Checkcard - 15.00 (balance 20.90)
10/26/2006: Checkcard - 10.00 (balance 10.90)
10/26/2006: Checkcard - 5.50 (balance 5.40)

OH SHIT, I thought. The balance after those last three transactions is only about 5 bucks. Yes, I was getting paid the next night at midnight…. but I wrote a paper check at the grocery store the day before also for 31.00. Oh well, I thought, I’ll have to pay a 33.00 overdraft fee, if it comes in before my check… shit.

OK, so I logged the very next morning to have a look. and HERE is what it showed:

(balance here is 35.90)
10/26/06 - Check - 31.00 (balance 4.90)
10/26/2006: Checkcard - 15.00 (balance -10.10)
10/26/2006: Checkcard - 10.00 (balance -20.10)
10/26/2006: Checkcard - 5.50 (balance -25.60)
10/26/2006: Overdraft fee - 33.00 (balance -58.60)
10/26/2006: Overdraft fee - 33.00 (balance -91.60)
10/26/2006: Overdraft fee - 33.00 (balance -124.60)

WHAT THE HELL!!???!!!????!!???

How can they say on one day, “These check card charges cleared”, and then the next day say, “No they didn’t clear, but this paper check that JUST GOT HERE cleared.”

I know the cash was in there when we used our cards, otherwise the cards wouldn’t have worked. THOSE DIRTY BASTARDS REARRANGED THE ORDER SO THEY COULD GET THREE OVERDRAFT FEES INSTEAD OF ONE! And this isn’t the first time. And they aren’t the only bank to do this. Just look at this from wikipedia:

Some banks arrange their overdraft protection program to pay the largest check first, in order to increase the number of overdrafts and maximize fee income.

OH those rat-bastards!

I’m going down there to talk to my local bank manager today. If you can call it talking. I agree that I deserve one overdraft fee, but I expect them to put two of them, 66 bucks, back into my account.
I don’t know if it will help, but I’m wearing my PRESS badge.

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