So, yesterday, I was going along, minding my own business. I got the urge to check up on something.
I opened up my internet browser.
I typed in the URL.
I entered in my ID and password.
And then, with a flash of lightning and the CRASH of thunder I saw it.
The most terrifying thing ever.
The negative balance. The negative balance due to overdrafting. MULTIPLE overdrafts.
Seriously, is there anything scarier? Especially when you had no bleepin' idea it was coming?
Doubly so since my bank charges 35 smackeroos for every overdraft! I'm practically
hemorrhaging money. Luckily, today is payday so the damage wasn't as bad as it really could have been. But wow. There's no sufficient words to describe the terror and anger at myself I felt at that moment. I tried, and it was very expletive based.Oh well, just thought I'd share. Til next time, faithful few.
that is the worst. thankfully i have been with my bank forever (ok, for like 8 years) & i rarely have any oopsies with my account so they will usually refund my overdraft fee as long as i am making a deposit. i hate those stupid fees. and i swear the banks set it up so that you get hit the most times. like if you have $55, and four checks are trying to clear for $56, $10, $10 & $25, they won't put through the three smaller ones & then just whack you for the big one. noooooo. they try to process the big one first & then hit you for *four* fees.
ReplyDeleteI feel your pain.
ReplyDeleteWhen there are something like 10 transactions of $2 each in over-draft... all there is left is to cry or call the bank and beg for forgiveness. ( Chevy Chase Bank usually will forgive at least a couple... )
Bart,
ReplyDelete"Hemorrhaging money" very clever.
I'd like to pretend I have always kept a flawless accounting of my bank accounts, but truth be told, I've been right there with you. It makes my heart pound, my stomach tense and my palms sweat.
I'm glad your pay day is just around the corner.
Wait till you have a kid...
ReplyDeleteCheque's in the post. (Might bounce) x
ReplyDeleteHi Bart,
ReplyDeleteEnjoyed that post. Been there, done that! I really like the way you illustrated the post, too.
Remind me to post the story about how my bank credited my account with $38,240 (wrongly) and argued the toss with me when I went in to say it was a stuff-up.
It was great fun!
Cheers
David
Dawn-
ReplyDeleteYeah, I totally used up my good graces with my bank (BoA in this case) so apologizing is pretty pointless. Like I said to the Queen, when did I become so fiscally irresponsible? My brain has been shut off, money wise, for a few months.
myself- First off, welcome.
ReplyDeleteSecondly, as I said to Dawn, crying to the bank at this point is merely an exercise in futility. Already did that once in the past 3 months, doubt they'll give me another respite. Oh well.
Deborah- Yeah, I like that term. I'm fairly enamored of "hemorrhaging money" and also of "negative cash flow."
ReplyDeleteHeather- Shut up, cuz. Plus, haven't we had this conversation before? My demon spawn on the planet? Yikes. Though I guess I could get supplemental income from the freakshow money.
ReplyDeleteCarol- Doesn't mean I won't try to cash the thing. I'm obviously a bit hard up right now. :D
ReplyDeleteDavid - Hey, I'm supposed to remind you to post about that time the bank credited with you with a bunch of green and then argued with you about their own mistake.
ReplyDelete