Can't give your kid a better lesson than that. Bankers are crooks with business cards.

Been there. And to put the cherry on top, they report you to ChexSystems (new window) so you can't actually open another checking account anywhere else.

[threadjack]
Hey Weav, are you in on the SWTOR early release? I activated this AM and was late to work playing. EIP if you've already picked a server, etc.
[/threadjack]

"Yo Dawg, we heard you like fees..."

Should tell the bank: "How about you come take your two bills and change outta my ass".

Jake Havechek: Can't give your kid a better lesson than that. Bankers are crooks with business cards.

Amen to that.

Yes.
Thanks to my former bank, I once paid $25.54 for a package of Fig Newtons.
Then paid $345 worth of fees on $215 worth or purchases.
I fired Wachovia shortly thereafter.

/Credit union, oh yeah.
/Ska-rew the banks.

Weaver95: Melinda Ganziano of McCullom Lake, Ill., wanted to introduce her son to the basics of banking, but he ended up with $229 in fees in two weeks with a balance of just $4.85.

yup, sounds about right.

yeah, what's the problem...

Credit union. This stuff should be minimal when you're owned by the people who deposit money into their shares of the union.

Well, he now knows how banks work. Mom did her job.

Melinda Ganziano of McCullom Lake, Ill., wanted to introduce her son to the basics of banking,

Mission accomplished. Read the fine print and ask questions. Next lesson.

Either put your money in a credit union or go to something like Private Vaults here Link (new window) to keep your money in.

Banks are the enemy.

Sounds like my ex-wife's account.

/I see yo dawg is here. Happy now

Prometheus_Unbound: "Yo Dawg, we heard you like fees..."


This seems appropriate.

I worked at a call center for Citizen Bank for 4 years. I wad fielding one call like that on a daily basis.

*click expecting Back of America*

*find out it was TCF*

*still fail to be surprised*

CSB

When I was in my teenage years my Dad gave me some savings bonds he had gotten when I was born in my name

Went to TCF Bank where I had my checking and savings to redeem them

Got money, got called a week later by the bank saying that they had accidentally given me too much money for them and needed the difference back

I wanted to tell them to stuff it, but my Dad told me to give it back

Still think we should have told them to stuff it

There were other occasions over the years (before I moved to Wells Fargo in college) that put me off them

/csb

This actually happened to me, I used to work at BofA Securities so I had free checking until I left. For some reason I left $100 in my BofA account. They slowly charged me $20 month and ended up having to pay $35 to close the account. otherwise it would go to collections. I have no idea why I didn't simply close the account, I blame it on the drinking.

Coelacanth: Either put your money in a credit union or go to something like Private Vaults here Link (new window) to keep your money in.

Banks are the enemy.

That is not a very convincing website. Wtf is up with the old man? lol.

Thieves! Thieves and liars!

This is why you use a Credit Union.

fark banks.

yeah well most of the bankers and other 1%ers didn't get to be rich by being honest.

Viljo Tawast: I wad fielding one call like that on a daily basis.

I've wadded to a lot of messed up stuff, but never anything liek that.

Fees, Shorty. Fees.

Bank of America does this to me every month...such BS.

Glad I switched from a bank to a credit union.

Credit unions charge a fee for low balance as well, but (mine at least) won't charge the fee if it would make you fall to a negative balance...

crab66: This is why you use a Credit Union.

fark banks.

THIS

Weaver95: blackminded:
[threadjack]
Hey Weav, are you in on the SWTOR early release? I activated this AM and was late to work playing. EIP if you've already picked a server, etc.
[/threadjack]

dear god, no. Skyrim has already sucked up most of my free time. I gotta get some shiat done before the holidays man. I didn't get a pre-order code on purpose.

Knows how you feel. (new window)

Viljo Tawast: I worked at a call center for Citizen Bank for 4 years. I wad fielding one call like that on a daily basis.



i am sure you heard from me. a stale check from an old employer was not honored, thus i was hit with 4 separate ODs @ $39 a piece. it happened all so quickly that by the time i noticed it (within 48 hours), it was far too late. i even tried to remedy the situation by bringing the account back to $0, however another OD fee was hitting a 5th transaction and i would be hit with another $39 fine the next day.

hate hate HATE citizens bank. i wish everyone within that organization a slow, painful death.

I was shocked, SHOCKED when I read the article and realized it wasn't Bank of America, who has a class-action suit against them for this bullshiat.

Shortly after my birth in 1978, my parents started a savings account for me at Connecticut Bank and Trust in downtown Groton, Connecticut. As the years of my childhood passed and allowance, birthday money, etc., went into it, CBT was bought by Fleet Bank and very little changed--technology improved, newer products such as debit cards and such were offered. I continued to bank with Fleet through my college years--establishing my first checking account and getting my first debit card with them.

Eventually, Fleet was purchased by Bank of America. This was right about the time I started to live on my own and use my checking account frequently.

Overdraft fees and the like became very onerous and drove me nearly to madness. It was at this point that instead of taking my paycheck to Bank of America, I would instead start another checking account with Citizens Bank, which ironically is owned by the Royal Bank of Scotland (RBS). I have been very happy with their service.

Bank of America continued to pursue me for my delinquent checking account, but recently, I recieved a piece of mail announcing that a class-action suit against BoA for its overdraft practices had been filed.

For a bank to be so bad that it loses a 28-year customer, really says something.

Viljo Tawast: I worked at a call center for Citizen Bank for 4 years. I wad fielding one call like that on a daily basis.

Hey! We've maybe spoken about this!

Dear bank,

Fark you.

That will be all.

Minimally Hairy Beer-Powered Simian: yeah well most of the bankers and other 1%ers didn't get to be rich by being honest.

You think tellers are rich? Boy do I feel sorry for you.

Weaver95: dear god, no. Skyrim has already sucked up most of my free time. I gotta get some shiat done before the holidays man. I didn't get a pre-order code on purpose.

Fair enough. I skipped Skyrim because I knew I wouldn't be able to hold off on SWTOR, though I certainly enjoyed the many (many many) Fark Skyrim threads.

HotIgneous Intruder: Thanks to my former bank, I once paid $25.54 for a package of Fig Newtons.
Then paid $345 worth of fees on $215 worth or purchases.
I fired Wachovia shortly thereafter.

Wachovia is the bank that finally drove me to a credit union. They processed my debits before credits and overdrafts on top of that, which lead to the following scenario:

$350 in account
Payday
$2000 Paycheck pending
$400 Car Payment pending
Me: Whoops, let me go deposit $50 cash to cover my car payment.

Next Day
$400 Car Payment processed Balance: -$50
$50 Cash Deposit processed Balance: $0
$35 Overdraft (for the first overdraft) Balance: $-35
$35 Overdraft (for the second overdraft) Balance: $-70
$2000 Paycheck processed Balance: $1930

So fark Wachovia is what I'm saying.

/never again

$28 a day?? over draft? $28 a day? i'd shiat on their managers head if they tried to rock that fee (literaly)

Same thing happened to my wife a few years back. She used her debit card to pump gas. The "hold" amount that the gas station put on the card was over the balance in the account, causing the bank to charge an overdraft fee (on imaginary money). The overdraft fee then caused an actual overdraw, so another fee was charged. In the end, there were seven fees from one transaction, adding up to around $350.

We complained and got a few of the fees waived, but still ended up paying way, way more than we should have. We canceled the account the following week.

/fark Bank of America

Vautour: That is not a very convincing website. Wtf is up with the old man? lol.

Local character. The old coot is old Las Vegas, he's as hard as nails, but he gives all his visitors a free lollipop.

I have two cousin that overdraft on purpose.