03-07-2009, 04:08 PM
Join Date: Sep 2002
I agree. I hated my previous bank because they did what someone mentioned about holding deposits for days. They'd do this even if it was a cash deposit made at the teller window. I got fed up opened up my account with another bank and dropped them. Simple as that.
Luckily I am able to keep track of my purchases. Even if I couldn't, I can't see how you (GY) can bounce 2, 3, even 4 checks all at once. I mean if you know that you put in say 600.00. I would think you look at the amounts of your purchases and have a ball park figure of what you've spent.
Maybe itíll help if you
1- make a list of all automatic payments and when they come out of your account.
2-If you are bad with keeping receipts, Keep a notebook in your purse and write each and every purchase you make with your debt card or check.
3- Give yourself an allowance for your everyday splurges like coffee or smokes. It's easier than having to keep track of a lot of small purchases.
4- I know some folks live paycheck to paycheck. But, even a 20.00 cushion can help. Thatís what I have on mine.
5- Others have mentioned overdraft protection. I have mine linked to my savings. I donít plan on using it, but itís there for emergency purposes.
I know it doesn't help with the fees you have at the moment. But I'm just trying to help.
"If you don't stand for something you will fall for anything."
ó Malcolm X