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Curly Gurus
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03-13-2009, 10:11 AM
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#201
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Join Date: Jul 2001
Posts: 16,071
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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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03-13-2009, 10:18 AM
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#202
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Join Date: Dec 2004
Posts: 25,094
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It's part of geeky's master plan - didn't you get the memo?
__________________
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali
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03-13-2009, 10:21 AM
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#203
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Join Date: Dec 2004
Posts: 25,094
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I completely agree and I am not sure why so many people got offended on the banks' behalf.
__________________
Get used to me. Black, confident, cocky; my name, not yours; my religion, not yours; my goals, my own; get used to me. -Muhammad Ali
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03-13-2009, 12:00 PM
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#204
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Join Date: Apr 2001
Posts: 6,000
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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.
__________________
"Dogs stink too, but I like dog stink." ~ rileyb
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03-13-2009, 12:24 PM
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#205
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Join Date: Jul 2008
Posts: 13,308
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Most people can't balance a checkbook, I've found.
__________________
 No MAS.
I am the new Black.
"HIV is a complex mother. Trust me I've written multiple papers and even a rap song about it." Murrcat aka Turtles
"Hope the Mail are saving space tomorrow for Samantha Brick's reaction piece on the reactions to her piece about the reactions to her piece." ~ Tweet reposted by Rou.
http://www.youtube.com/user/Kimshi4242
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03-13-2009, 12:34 PM
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#206
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Join Date: Apr 2001
Posts: 6,000
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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.
__________________
"Dogs stink too, but I like dog stink." ~ rileyb
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03-13-2009, 01:14 PM
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#207
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Join Date: Jan 2009
Posts: 90
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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
__________________
common sense is not common..... CG since Jan 2009..... No hair color since 2007..i've stopped fighting the grays....they always win.... 3a/3b/2c co-wash - nature's gate tea tree calming conditioner or suave naturals tropical coconut rinse-out - sally's GVP cond. balm dt - sally's GVP k-pak or lustrasilk leave-in & styling - kckt, kccc, hesmu moussse styling loves - DIFFUSING!!! & plopping
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03-14-2009, 12:27 PM
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#208
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Join Date: Aug 2008
Posts: 984
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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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03-14-2009, 12:35 PM
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#209
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Join Date: Jan 2008
Posts: 1,882
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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?
__________________
*~*displaced yooper*~*
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master quigley and queen ruby, my puppy loves <3
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03-14-2009, 12:49 PM
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#210
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Join Date: Aug 2008
Posts: 984
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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...
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03-14-2009, 01:51 PM
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#211
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Join Date: Jul 2008
Posts: 13,308
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Yeah, I'll shop around...
__________________
No MAS.
I am the new Black.
"HIV is a complex mother. Trust me I've written multiple papers and even a rap song about it." Murrcat aka Turtles
"Hope the Mail are saving space tomorrow for Samantha Brick's reaction piece on the reactions to her piece about the reactions to her piece." ~ Tweet reposted by Rou.
http://www.youtube.com/user/Kimshi4242
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(if I offended anyone by that comment... um, I don't really care).
