I've overdrafted in my banking account! - Sitcoms Online Message Boards

MrCleveland · 08-28-2014, 10:22 PM

I now have a negative number in my account and I now have to pay an overdraft fee!

I also have to go to school, pay my bills, and pay my rent!

Looks like I'm on skid row!

Zoneboy · 08-28-2014, 11:21 PM

If you've never over-drafted before, you might be able to call your bank and see if they'll waive it. I bank with PNC and was able to do this.

If your account has a negative balance but doesn't show the over-draft fee then you may have time to deposit the amount that caused you to go over but you would have to be at the bank as soon as they opened. If it does show the fee then you should still call or better yet stop by and talk with someone.

Mace Dolex · 08-29-2014, 02:38 AM

You might want to also ask if they an account for overdraft protection, I work at HSBC and they have an overdraft protection but you need a checking account to have it linked to.

The way it works is almost like a credit card, the moment your checking acct is overdrawn let's say for an example because a check is being cashed then funds from your OD acct would transfer automatically to cover the OD.

Normally you would be charged OD fee of $35 but having OD protection would only charge $10 and your checks would still be paid.

Zoneboy · 08-29-2014, 08:04 AM

Quote:

Originally Posted by Mace Dolex

You might want to also ask if they an account for overdraft protection.

I have that with PNC but didn't think about it at the time.

ABlairican Pie · 08-29-2014, 10:49 AM

I hate being in overdraft. My bank at one time was of the policy that if you were even if you overdrafted by a penny, you'd still be charged $22 then, simply because you were over.

But my bank has the policy now of waiving the fee if you can put back in the funds in a timely manner.

Two years ago, I found I was in overdraft by $350 after someone stole my checks!!

The bank waived the fees and replaced my funds, urging me to close my current account and open a new one. So I was okay.

Marvo301 · 08-29-2014, 02:15 PM

I have a line of credit at my bank that covers any overdrafts in my account.

08-28-2014, 10:22 PM	#1
MrCleveland Drew Carey from Hell Forum Star Join Date: Nov 10, 2007 Location: The City of Cleveland, in The State of Cleveland, in The United States of Cleveland Posts: 14,222	I've overdrafted in my banking account! I now have a negative number in my account and I now have to pay an overdraft fee! I also have to go to school, pay my bills, and pay my rent! Looks like I'm on skid row!
	__________________ Thank God for kids that love Obscure Things. Lee Hazlewood (1929-2007) You ARE Special to God! Rev. Ernest Angely (August 1921-May 2021)

08-28-2014, 11:21 PM	#2
Zoneboy RIP, I'LL NEVER FORGET YOU :( Moderator Forum Superstar Join Date: Jul 13, 2003 Location: AT HOME WISHING ALL THIS WAS JUST A DREAM AND THAT I'LL WAKE UP FROM THIS NIGHTMARE. Posts: 34,349	If you've never over-drafted before, you might be able to call your bank and see if they'll waive it. I bank with PNC and was able to do this. If your account has a negative balance but doesn't show the over-draft fee then you may have time to deposit the amount that caused you to go over but you would have to be at the bank as soon as they opened. If it does show the fee then you should still call or better yet stop by and talk with someone.
	__________________ 'Twas The Night Before Christmas And All Through The Full House Not A Creature Was Stirring, Not Even Mighty Mouse. All My Children We're Nestled All Snug In Their Beds While Visions Of Sugarbakers Danced In Their Heads.

08-29-2014, 10:49 AM	#5
ABlairican Pie Member Forum Superstar Join Date: Dec 12, 2001 Location: Living where cats reign more Supreme than a pizza. Posts: 31,620	I hate being in overdraft. My bank at one time was of the policy that if you were even if you overdrafted by a penny, you'd still be charged $22 then, simply because you were over. But my bank has the policy now of waiving the fee if you can put back in the funds in a timely manner. Two years ago, I found I was in overdraft by $350 after someone stole my checks!! The bank waived the fees and replaced my funds, urging me to close my current account and open a new one. So I was okay.
	__________________ Release the kitties. --Nathan Explosion

08-29-2014, 02:15 PM	#6
Marvo301 I'm NOT a Blockhead! Forum Celebrity Join Date: May 17, 2002 Location: The Great White North Posts: 21,452	I have a line of credit at my bank that covers any overdrafts in my account.
	__________________ Only a life lived for others is worth living. Albert Einstein A life isn't worth living unless it has impact on other lives. Jackie Robinson Be always at war with your vices, at peace with your neighbors, and let each new year find you a better man. Benjamin Franklin

08-29-2014, 02:38 AM	#3
Mace Dolex Member Senior Member Join Date: Aug 12, 2013 Posts: 2,668	You might want to also ask if they an account for overdraft protection, I work at HSBC and they have an overdraft protection but you need a checking account to have it linked to. The way it works is almost like a credit card, the moment your checking acct is overdrawn let's say for an example because a check is being cashed then funds from your OD acct would transfer automatically to cover the OD. Normally you would be charged OD fee of $35 but having OD protection would only charge $10 and your checks would still be paid.