Bad bank people

If you do talk to them in person, go in singing this song. ;D

Flight of the Conchords, baby!

Too many mutha uckas
Uckin' with my shi-
There's too many mutha uckas
Uckin' with my shi-
Uckin' with my shi-
Too many mutha uckas
Uckin' with my shi-
With my shi-
How many mutha uckas?
Too many to count
Mutha uckas

I pay my mutha uckin' rent fortnightly
Mutha uckas at the bank trying to play me
And I'm out for my account
'Cause out on A.P
On A.P.
Yeah, you know me
Mutha ucka charge a two buck transaction fee
Makes my payment short
My rent comes back to me
Minus a twenty-five dollar penalty
So you'll fee me 'cause of your mutha uckin' fee
Read the words
On my ATM slip, it said
We're all mutha uckas
And we're uckin' with your shi-
Come on

Too many mutha uckas
Uckin' with my shi-
My transaction shi-!
There's too many mutha uckas
Uckin' with my shi-
My weekly statement shi-!
Too many mutha uckas
Uckin' with my shi-
With my balance shi-!
How many mutha uckas?
Too many to count
Mutha uckas

 

P_W, I feel your pain. I really do. Been there. Done that. Told them to shove the t-shirt up their ass. That said, if you think banks are bad -- and they are -- just wait until the insurance industry gets ahold of you.

 

Thanks for letting me vent, guys.

Lesson learned.

 

My overdraft protection is a smart wife.

 

My wife is the reason we have overdraft protection.

 

My ex-wife is the reason I have overdraft protection.

 

I'll echo the idea of finding a local credit union.

 

And I thought I was bad with money.

Anyone want to explain to me about the credit unions?

 

I overdrafted once more than 10 years ago. Vowed never to have it happen again, and it hasn't. Know what comes in, know what goes out, know exactly to the penny what you can spend and never ever ever ever sign up for automatic deductions. Simple.

One little penny. That's all it takes to get screwed over.

 

Had the same problem ... they took the big check out first, and that caused two overdrafts....

In their defense, i'm glad my car payment didn't bounce... but they were going to ding me two fees.

I went to talk to the bank manager, and she said that if I applied for their credit card, she would waive the fees. I did, she did and the world was a happy place.

 

I had about 2-3 overdrafts a couple years ago, when I was really struggling after starting a new job on a different coast. The $18 charge wasn't terrible, I thought, but that was only for first-time offenses.

Then, I got a overdraft charge for a candy bar. A 59-cent Three Musketeers ended up costing me $34.59. That was the last time -- will always be the last time.

 

Credit unions are member-owned, so they tend to be more customer oriented than a bank, which is corporate-owned.

I bank with Delta Community Credit union and USAA, both outstanding.

As for the overdrafts, go to a branch, stat. When this very thing happened to me due to a online bill payment problem, they waived about $300 in overdrafts for me. The 800 numbers, as Clark Howard would say, are customer no-service.