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renie408 · 03-07-2007, 03:39 PM

I have felt icky for the past three days. I can tell I feel icky, I know I should work to not feel icky, I have tried my anti-icky strategies that have worked in the past...still icky. I feel crabby and flat and I can't seem to drag out of it.

I woke up this morning feeling less icky, got online to check the bank and got a shock. The bank balance was WAY not what it was supposed to be and they had charged me SEVEN NSF charges for debit charges when I KNOW the money was in there. Went to the bank this morning and they said, "Oh, yes. When you make a deposit it shows up in your available balance, but it isn't REALLY available until it clears into your current balance which would be either at midnight that night or the next depending on when you made the deposit." Net result: I made a huge deposit on Friday, it showed up immediately into my available balance leading me to assume it was, well, AVAILABLE. I used the debit card all weekend and while they cleared because the balance said the money was there, the money didn't go in until Monday night. I asked the woman at the bank if that seemed quite right and she agreed with me that, No it didn't....but she still couldn't do anything about it. I stayed calm and said that it didn't seem fair for the bank to tell me the money was available, allow me to draw the money from their ATM and then to charge me $36 for getting it out. She agreed. But she can't do anything about it. So I am closing the account as soon as the last couple of checks I have drawn off of it come through. I am moving back to the big impersonal bank that at least doesn't tell you your money is there when it really isn't yet.

Moral to all that venting: I am right back to feeling yucky, convinced that feeling yucky brought all this on and wondering how to feel un-yucky.

03-07-2007, 03:39 PM	#1 (permalink)
renie408 Senior Member Join Date: Jan 2007 Posts: 293	What about when you just feel "Yucky"?? I have felt icky for the past three days. I can tell I feel icky, I know I should work to not feel icky, I have tried my anti-icky strategies that have worked in the past...still icky. I feel crabby and flat and I can't seem to drag out of it. I woke up this morning feeling less icky, got online to check the bank and got a shock. The bank balance was WAY not what it was supposed to be and they had charged me SEVEN NSF charges for debit charges when I KNOW the money was in there. Went to the bank this morning and they said, "Oh, yes. When you make a deposit it shows up in your available balance, but it isn't REALLY available until it clears into your current balance which would be either at midnight that night or the next depending on when you made the deposit." Net result: I made a huge deposit on Friday, it showed up immediately into my available balance leading me to assume it was, well, AVAILABLE. I used the debit card all weekend and while they cleared because the balance said the money was there, the money didn't go in until Monday night. I asked the woman at the bank if that seemed quite right and she agreed with me that, No it didn't....but she still couldn't do anything about it. I stayed calm and said that it didn't seem fair for the bank to tell me the money was available, allow me to draw the money from their ATM and then to charge me $36 for getting it out. She agreed. But she can't do anything about it. So I am closing the account as soon as the last couple of checks I have drawn off of it come through. I am moving back to the big impersonal bank that at least doesn't tell you your money is there when it really isn't yet. Moral to all that venting: I am right back to feeling yucky, convinced that feeling yucky brought all this on and wondering how to feel un-yucky.