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Thread: i HATE BANKS

  1. #1
    Member Alianne's Avatar
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    Angry i HATE BANKS

    this really has nothing to do with anything but i thought ild feel better if other people hated banks as much as i do

    I hate banks today i went to the bank deposited my 800$ check from the day care (that i work my ass of at until i just quit to go back to school)
    and with drew 200$ to pay back my mother-in-law who fronted me the money for rent

    BUT becasue there was only a 150 in the bank when i withdrew the 200 i technically OVERDREW because there wasnt 200 in the bank
    and then i bought gas so ive over drawn 79$ so they added 52$ in fees
    becasue the girl at the counter was dumb
    but when i went to tell them that it was impossible for me to only have 150 in the bank
    (becasue my previose 400 dollar check from the daycare had been put in days before)
    she informed me that my paycheck had bounced & they were charging me the bounced check fees
    IT WASNT MY FAULT!!!

    so now i hate banks
    we should burn them all and hored are loot

    lol i feel better
    I am your heart




  2. #2
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    Default Re: i HATE BANKS

    I bank with a credit union and my deposits are always posted immediately.


  3. #3
    Member Alianne's Avatar
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    Default Re: i HATE BANKS

    i bank with regions it use to be amsouth but ever since theyve been bought out theyve been giving me shit
    I am your heart




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    Default Re: i HATE BANKS

    Try to find a bank that has overdraft protection, because otherwise they certainly take more money that you don't have..

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    Default Re: i HATE BANKS

    go with a credit union. banks suck.

  6. #6
    Darcy Foxx
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    Default Re: i HATE BANKS

    i don't know why but i thought this was going to be another anti-tyra thread lol

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    Banned Melonie's Avatar
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    Default Re: i HATE BANKS

    unfortunately, a bounced paycheck doesn't add any money to your account. From the bank's perspective, you overdrew the funds that actually were in your bank account at the time. I agree that the fees charged were pretty stiff. You can probably get at least part of the fees waived if you sit down with a bank representative and explain the situation. However, no bank or credit union has any obligation to make good on a bounced paycheck.

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    Default Re: i HATE BANKS

    Alianne, your theme music today, is Mojo Nixon's I hate banks!

    -Yep dem fees suck.

    Melonie, is right a reasoned rather than explosive conversation could turn half of those fees away.

    Also, do you need references from the old employer? If they won't pay you with bank check cash, start pursuing them for both your pay and the fees their bounced check incurred. A few legal sounding letters may do the trick.
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    God/dess UtahMike's Avatar
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    Default Re: i HATE BANKS

    After you finish talking with the bank, go back to the day care center and demand that they reimburse you for your overdraft fees, etc. They owe you your paycheck plus insufficient funds fees.

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    Default Re: i HATE BANKS

    Quote Originally Posted by austinatalie View Post
    go with a credit union. banks suck.
    yessssssss. i dont get fees if i overdraw my account. and ive never had any problems, ever. i opened an account at a bank when i went to school because i wasnt close to my credit union and i hated it. i thought things like not being able to cash a check unless you had that amount in your account were so stupid.

  11. #11
    God/dess VenusGoddess's Avatar
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    Default Re: i HATE BANKS

    Quote Originally Posted by thing View Post
    Try to find a bank that has overdraft protection, because otherwise they certainly take more money that you don't have..
    This will do nothing for you. The bank will STILL charge you overdrafts fees, you'll just have they "money" to pay for it. Just keep in mind that most of these "overdraft protection" accounts are charged interest if you use it. So, that "safety" is not only costing you the $30+ dollars for bouncing your account, you are now also being charged a percentage each day that you do not pay that money back to the Overdraft Protection Account.

    The whole bounced payroll check happened to us a few years ago. We were hit with $450 in bounced check fees. We took the notices to Joe's work and they reimbursed us all of the fees incurred because their accountant did not move the money over to the payroll account on a timely basis.

    If you are concerned with bouncing your account...learn to live within your means...sock some money in a savings account and use THAT to cover any overdrafts. But, really...while overdrafts occur to the best of us...you should learn to manage your money to avoid any extra charges to begin with. The banks make plenty of money off of you...don't give them reason to make any more.

  12. #12
    God/dess krchab99's Avatar
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    Default Re: i HATE BANKS

    Quote Originally Posted by Darcy Foxx View Post
    i don't know why but i thought this was going to be another anti-tyra thread lol
    me too lol

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