• silverwhisper said on Nov 19, 2007....

  i got nothin'. although it's pretty gorrammed stupid that they charge you a fee to use your money, no question.
  
  ed

• hidufel said on Nov 19, 2007....

  Ive been burned by that debit card rule more then once, and it is frustrating every single time.
  
  While i havent found a perect solution, i opened another account at a diferent bank, and i split my direct deposit between the two. I use one for my debit purchases (or try to at least) and another for my bills and such.
  
  While not perfect yet, im hoping it will streamline eventually.
  
  Banks are teh evil.
  
  At one point I had two checks go through my account at the same time that a direct deposit was scheduled to go into the account. instead of taking the deposit, and then having more then enough to cover the checks, they declined both checks, charged em 40 bucks for each check, then credited my deposit. Then when the checks came back, they held them for two extra days at which point my balance had dropped to the point that when they charged me a "holding fee" for the checks, there wasn't enough to cover one and they charged me another nsf fee, and then decided to honor it and charge me an OVERDRAFT fee.
  
  I know my fault for trying to cut it so close to pay days, but thats why i closed my account with bank of america. i refuse to do business with them of my own volition ever again. EVER. That and be sparing with the checks out there.
  

• Alyss said on Nov 19, 2007....

  I would be seriously pissed off about that. It is has been a problem over here, banks do seem to be a law unto themselves the world over. I hope you get some satisfaction from the complaint process.

• Alyss said on Nov 19, 2007....

  I would be seriously pissed off about that. It is has been a problem over here, banks do seem to be a law unto themselves the world over. I hope you get some satisfaction from the complaint process.

• LadyGamer said on Nov 19, 2007....

  No satisfaction. The BBB is a toothless organisation at best. But it felt good to say.

• carmachu said on Nov 19, 2007....

  BBB is worthless. They have absolutely no teeth.
   
  STop using your debit card. Pay cash. Its the only way to stop it. I dont havea debit card.
   
  Or find a new bank? because I remember when you were happy with this one...

• LadyGamer said on Nov 19, 2007....

  This one was a savings and loan when I signed on with them. They recently changed formats to being a Bank.

  The only solution I see is to cease doing business there. I don't have spare paychecks lying around. The problem with THAT is that not many banks WILL do business with ME because of the identity fraud.

   

   

• TinSoldier said on Nov 19, 2007....

  Huh. I've never even heard of the debit card rule, although a co-worker got burned by the fact that authorizing direct deposit also authorizes the depositor to remove the same amount of money after depositing it.
  
  Umm. The only bank that I was ever burned by was actually a Credit Union. I've never been with a Savings and Loan.
  
  But I do hate how overdrafts tend to snowball into hundreds of dollars.
  
  Oh, and I live paycheck-to-paycheck as well. Isn't that the normal situation for most folks? In fact, I still find myself relying on credit cards a week before my next paycheck.
  
  *sigh*
  

• travelr712 said on Nov 19, 2007....

  unfortunately, for the average person around the world, we all do live paycheck to paycheck, because wages have lowered overall, and costs have risen overall, so there is no money left over to save. so the banks have to stuff their coffers somehow. i don't know how many people have noticed, but bank charges of these types have risen from $10 to $35 or more in just 5 years. it's a cash cow for the bank, and they have a prescribed script for everyone that complains to politely say, 'gotcha, you're screwed!' but as we all know, we're in a cycle where the rich are getting richer, and the poor are getting poorer. hopefully that'll shift when the democrats take office in '08.

• sheltercrow said on Nov 19, 2007....

   

  I refuse to use bank for more than a free check issue service. I keep all my cash in a laundry bag in my closet. All twenties too. A big bag. All banks allow you one free check per day so take advantage of it and screw giving them all the dough for a measly 1-1/2% interest. What an insult. It was a minimum of 5-1/4% when I was growing up.

• TinSoldier said on Nov 19, 2007....

  Interest? WTF is that?
  
  I don't get any interest on my checking account. But I don't pay anything for it either.
  

• sheltercrow said on Nov 19, 2007....

   

  I once had $36,000 in the bank and they did nice and gave me 2-1/4%.

• TinSoldier said on Nov 19, 2007....

  Ah. See, I don't think that I've ever had $36,000.
  
  Not in savings, not in checking, not in 401K.
  

• Fallyn said on Nov 19, 2007....

  BBB can only bring an organizations rep down...it has NO other purpose.
  
  as for banks. that SUCKS. and yeah....i've been burned by it too.
  
  i bounced a check for 3 bucks once.....
  
  ended up with $900 in fees.
  
  my insurance company held a check for too long (legally) ....and then tried to electronically charge it through my bank.
  every time it hit my account another $50 in fees was added........
  every time it hit my account and came back declined they would try it again to make sure......
  they hit my account with that $400 dollar check TEN times.
  
  i was going to one of those "no fee" banks at the time.....all that means is they don't charge you to use your debit card.....it didn't apply to overdraft fees.
  
  and because it was a "no fee" bank.....they said they couldn't remove ANY of the charges because that was their only form of revenue.
  
  my baby daughter at the time even pulled down my shirt neck and i accidentally gave the bank manager a full flash. and he STILL wouldn't do anything.
  
  hmmmph.
  
  
  

• wombat said on Nov 19, 2007....

  I've had similar problems with trying to close out accounts...a vicious cycle of "fees."

  Like my hubby says,  "Computers are only as smart at the people running them."

• wombat said on Nov 19, 2007....

  As I was trying to say...
   
  I have had similar problems with banks when trying to close out accounts...a vicious cycle of "fees."
   
  As hubby says,  "Computers are only as smart as the people running them.."

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