Bank Issue, What can i do?

[the821empire]

Last week I deposited a check, I used my debit because it said I had money in the bank, i knew i had money in the bank. I was getting hit with these $25fee's for using my debit card within two days of depositing the check, then once that dryed up my account i got hit with $32 overdraft fee's. I thinkthis is rediculous, because I put money in the bank and spent under the amount I had and they put me in the hole. What can i do?? Ive gone there the last 3days and Keep trying to get the manager to reverse it, because it is not my fault.
'

 

[king lincey]

What kind of check did you deposit? Some checks take longer to go through. I usually wait longer than two days if it's a personalcheck.

 

[the821empire]

it was a check from my insurance company...

 

[mrmoneyindabank]

Was the check from a bank out of state? It takes longer if it is. Most banks Clear 100 dollars rite from the start, the rest could take up to 7 days to clear.always ask the teller how long till a check clears.

 

[osubass1]

Originally Posted by MrMoneyInDaBank

Was the check from a bank out of state? It takes longer if it is. Most banks Clear 100 dollars rite from the start, the rest could take up to 7 days to clear. always ask the teller how long till a check clears.

that's true. just because you deposit a check does not mean that you will have access to the funds immediately.

check your bank's terms and conditions.

 

[nawth21]

you have to check your available funds, not total funds. checks don't always clear immediately. Anyways, if it's your first time overdrafting go in andtalk to someone. they'll usually remove some if not all of them.

 

[the821empire]

f it...im gonna go cuss him(bank manager) out, pay my debt, cuss him out again, and close my account. Ignorant...yes...do i care...no!~

 

[dirtylicious]

or maybe you can approach it with a nice attitude and he'll reverse some (if not all) of the charges.

then close your account if you're not happy.

but really...you should know that deposited funds via a check aren't usually available until the check clears.

 

[kaycurrency]

Originally Posted by the821empire

f it...im gonna go cuss him(bank manager) out, pay my debt, cuss him out again, and close my account. Ignorant...yes...do i care...no!~

...They probably dont care either...

 

[kaycurrency]

Originally Posted by Dirtylicious

or maybe you can approach it with a nice attitude and he'll reverse some (if not all) of the charges.

then close your account if you're not happy.

but really...you should know that deposited funds via a check aren't usually available until the check clears.

true...Online banking

 

[the821empire]

Originally Posted by Dirtylicious

or maybe you can approach it with a nice attitude and he'll reverse some (if not all) of the charges.

then close your account if you're not happy.

but really...you should know that deposited funds via a check aren't usually available until the check clears.

Ive tryed the nice approach for the last 3 days. Ive worked customer service before and know people get stuff when they are calm and polite, but thatdoesnt seem to be working. Also, I had $50, deposited $65 check, and I had only used about $40 on my debit card. Soo couldnt that be the money i already had inthere thats being used?

 

[king lincey]

It depends on when you deposited the $50. I know if I deposit money at Chase bank (whether it be cash or check) I can't use my cardto get the money I just deposited until the next day.

 

[newkidtadagame]

You're pretty much s.o.l...banks don't care if you "don't know" or "don't understand" their rules. That's what yourterms are for..don't be rude to that man, either. Its not his fault, he's only doing his job.

 

[the821empire]

Originally Posted by newkidtadagame

You're pretty much s.o.l...banks don't care if you "don't know" or "don't understand" their rules. That's what your terms are for..don't be rude to that man, either. Its not his fault, he's only doing his job.

the man was rude to me, because i was more the friendly and courteous.

 

[stunnafasho03]

imma financial banker at national city..it would depend on the time of the day u deposit the check for the funds to be available..if its b4 noon its likelythat the funds will be available same day aslong as its drawn on a local bank..if its outta state then it will deff take the next bus. day..also most tellerswill cash the check b4 deposit which will make the funds available instantly if u ask em..aslong as ur account isnt in the negative that shouldnt be aproblem..

 

[lilpro4u]

Join a CU.

Problem solved.

 

[swyftdahoe]

I think it really depends on the bank account that you have.. I know as a minor, I only had a regular student/savings account.. If I deposited a check thru anATM, the funds wouldn't clear and I'd have to wait a week or so before I can access those funds.. Now, as an adult with a chequings account, as soon asI deposit a cheque, I can take that same amount out..

 

[sgs mm]

You should of have used your card as credit not debit ...

 

[the821empire]

Originally Posted by SGS MM

You should of have used your card as credit not debit ...

what difference does that make?

 

[grandaddypurp415]

just be cool and ask for some fee reversals if you nevr had any

 

[kaycurrency]

Originally Posted by the821empire

Originally Posted by SGS MM

You should of have used your card as credit not debit ...

what difference does that make?

Credit takes longer to take out of your account

 

[sgs mm]

^^ What he said .. so that would of have giving you a couple of days at best to let your check clear ... leasson learn ... I seriously doubt a bank will notwork with you in reversing your charges if this is your 1st offense ...

 

[momoney848]

Um... long story short? I work at a bank and insurance checks get holds placed on them. There's also a good chance it might have bounced or you hadsomething pending and it knocked you negative.