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Old 03-13-2009, 10:11 AM   #201
 
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Originally Posted by JillH410 View Post
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Originally Posted by WilePECoyote - The Nudist Poster View Post
Yep... very entertaining. I nominate this thread for another one that got completely out of hand. Is everyone PMSing? (if I offended anyone by that comment... um, I don't really care).
I feel like I read a completely different OP than everyone else. I just felt like Phoenix was venting. She's struggling with her finances, and then having the bank tack a hefty bank fee on that just added insult to injury. She wasn't saying the banks are evil and the cause of all her problems - she's just frustrated.

Maybe this is just a sensitive issue right now because of the economic problems caused by credit and mortgage fraud?

ETA - Phoenix posted at the same time to say "she's just venting". Sorry for the rehash.
I agree..this is why I don't vent here. The overall responses are usually judgemental and way too serious and nitpicky IMO.
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Old 03-13-2009, 10:18 AM   #202
 
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Amneris and M2LR! GUYS! You are supposed to be AGREEING with each other. You are ruining EVERYTHING!!!

ooops..i just made a joke on a thread unrelated to the topic. SIGH....
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Old 03-13-2009, 10:21 AM   #203
 
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Originally Posted by mad scientist View Post
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Originally Posted by JillH410 View Post
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Originally Posted by WilePECoyote - The Nudist Poster View Post
Yep... very entertaining. I nominate this thread for another one that got completely out of hand. Is everyone PMSing? (if I offended anyone by that comment... um, I don't really care).
I feel like I read a completely different OP than everyone else. I just felt like Phoenix was venting. She's struggling with her finances, and then having the bank tack a hefty bank fee on that just added insult to injury. She wasn't saying the banks are evil and the cause of all her problems - she's just frustrated.

Maybe this is just a sensitive issue right now because of the economic problems caused by credit and mortgage fraud?

ETA - Phoenix posted at the same time to say "she's just venting". Sorry for the rehash.

I completely agree and I am not sure why so many people got offended on the banks' behalf.
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Old 03-13-2009, 12:00 PM   #204
 
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What Trenell said.

I don't want "pity."

$33 is an insane amount, relative to what it costs the bank

If someone is bouncing checks, they don't have $33 to pay the bank...obviously

I'm a long-standing, good customer...That should count for something.

And I've tried to balance my check book for years, no, decades. I think I did do it once.
i know that an nsf can happen to anyone, and i don't mean any harm by saying this, but if you are a long-standing customer of your bank and after all these years are unable to balance a checking account, then maybe you aren't ready for a checking account.

maybe you need just a basic savings account. and when you need to pay your bills, simply purchase money orders or pay cash in person. and then withdraw money for gas and food as those needs arise.

i think the worst thing a person should have who isn't a good steward of finances is a debit card, credit card, and checking account.
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Old 03-13-2009, 12:24 PM   #205
 
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Most people can't balance a checkbook, I've found.
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Old 03-13-2009, 12:34 PM   #206
 
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Most people can't balance a checkbook, I've found.
it's not a difficult thing to do. it's using basic math, adding and subraction, and self-discipline.

and if most people you know can't balance a checkbook, then i stand on what i said in the previous post that they probably shouldn't be handling their finances with a checking account. money orders and cash transactions would be the best way for them take care of their basic needs, while not losing money in the process.

i read through all these pages and i hope you've taken someone's advice about going to your bank and asking someone to teach you how to use your checking account responsibly.

good luck.
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Old 03-13-2009, 01:14 PM   #207
 
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to the OP - don't know if you have a network called Current TV, but it's awesome. this particular pod came on yesterday while i was getting ready for work and thought about you...it's DIRECTLY related to your situation and FYI, i've been there myself...

http://current.com/items/88849140/ho...t_the_bank.htm
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clarify - ACV rinse
co-wash - NGTT calming conditioner or suave naturals tropical coconut
rinse-out - sally's GVP cond. balm
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Old 03-14-2009, 12:27 PM   #208
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How did such a simple topic turn into 11 pages of discussion? If you don't like NSF fees, switch to a bank that doesn't charge them. If you like NSF fees, stick with your current bank. Easy! I don't understand what's left to discuss!

I always stick to banks that don't charge monthly fees, don't have minimum balances, don't charge NSF fees, etc. because I think those fees are silly. My bank still makes plenty of money off me, just not through fees.
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Old 03-14-2009, 12:35 PM   #209
 
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another thought along the line of tc's post:

the credit union i used to work at gave you the option of overdraft from savings. so if you overdrew your checking, they would cover the amount from your savings account. you would still be charged the nsf fee, but it was only $5.00.

phoenix, might you shop around credit unions (or banks, i'm sure do that too) to see if it might be a better situation elsewhere?
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Old 03-14-2009, 12:49 PM   #210
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I have photographic evidence that there are great banks out there for those of us who don't enjoy NSF fees. See attached screen shots!

The first one is a screen shot of my checking account balance right now as of this minute - negative $5.22.

The second one is a screen shot of why I'm not worried. The fee was 4 cents last time it happened.

This is how it works: I pay my bank interest for the days that my balance was negative, and they pay me interest for the days that my balance was positive. That's how I like it!

Enjoy...
Attached Thumbnails
I HAAAAATE Banks!-picture-1.png   I HAAAAATE Banks!-picture-2.jpg  
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Old 03-14-2009, 01:51 PM   #211
 
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Yeah, I'll shop around...
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