How high can you bounce your checks??

Checks. Again. How do you balance your checkbook? I thought I did a good job, until I got that ominous letter telling me the overdraft kicked in, and I have six days to pay back the money or I will be charged five dollars a day for every day it is overdue. On top of that they charged me a twenty five dollar fee for the overdraft protection to kick in. At least the check did NOT bounce and cause me more headaches.

How did this happen? I normally do not write out checks for more than the amount in the bank. But alas, I forgot to fill in a check in the register, causing me to miss an amount and when trying to balance the book, I neglected to notice that one check was missing. It was just an oversight, really! I didn’t mean to cause a twenty five dollar service fee for myself and if I had known there was an outstanding check I would not have written the check that didn’t clear.

But customer service has its fine points and its weak points. I have called to get charges refunded to my account and have done so with ease, but alas, this fee seems to be too legit for even me to get it brushed under the carpet, for them to forgo the fee. It was really a mistake, and unforgivable mistake on my part. Carelessness. And now I have to pay for it. A lesson for life, always be careful. Those decimals need to be in the right place. Always record each check because you never know what may happen if you wait to do it ten minutes later.

So now, I need to get money to that bank ASAP. But the problem is, I do not live near the bank anymore. Branches open and close and well now there is no branch near me. So what do I do? If I mail a deposit to the bank, well they won’t get it till it is too late as of this glorious holiday we have on Monday. No mail. I think I will have to call in a favor from old friends and ask for some help here. Maybe someone lives near a branch and is able to help me out here and deposit a small amount of money into the account so I won’t owe the bank any more money. After all I was just trying to close the account, and now look what happens.

But last month I had a different story with the bank. I have a service fee for not using the account in the past month. Hey, no one told me that. And I had this account for numerous years. After talking to the customer service people they were able to credit me for the non usuage fee, with a friendly reminder that if I do not use it again, I will have to pay that fee.

And the month before I also had to call the 1-800 number to ask why I was being charged a fee for having an ATM card. Hello! I canceled the ATM card when I saw they were charging me money to own one, so why when not owning one do I need to pay the fee?? So after all these bogus charges I called regarding the overdraft fee. But to no avail, I must pay, unless I can find a very nice teller at a bank who will say it is okay for me not to pay it this one time. It was an honest mistake. But for me to find that teller, whoa is to me, as there is not a branch near me ….
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