Jim
Anaheim,#2Consumer Comment
Sat, December 27, 2008
This is ignorance and mismanagement by the account holder both by the OP and by Miami victim. Here are some simple tips that will keep you from incurring fees no matter which bank you bank with: 1. Stop using debit cards. Debit cards are for people with thousands in the bank and no fear of overdrafting now or in the future. If you wun with a thin balance, you're only giving money to the bank. 2. Stop relying on an online balance to determine what's in your account. That is what a check register is for. Keep an accurate check register and you will never have an issue with overdrafts unless you intentionally plan on overdrafting. 3. Keep an accurate check register. 4. Assume out-of-state checks will always take the maximum number of days to clear, especially with smaller banks. That number is 5, no matter what bank personnel tell you. If you don't do any of these things, you're mismanaging your own money. Best of luck to you.
Miami Victim
Hialeah,#3Consumer Comment
Sat, December 27, 2008
Even if cash deposits take effect the next day this bank does not disclose the consumer the true acounting process, making them believe they have more money available than the really do. Please read my comment on Bankatlantic from Another Miami victim. Thank you
Nancy
Steilacoom,#4Consumer Suggestion
Mon, June 30, 2008
In the first place regulation D has nothing to do with checking deposits. Reg CC. does and it states that checks drawn on the US Treasury msut be cleard within the next banking day. NOWHERE does it say ALL goverment checks. Nor does it manetion bein g able to get the money the same day. I would suggest you READ the regs. Secondly, you can't be much of a bookkeeper or accountant if, as you admit to, you make banking errors. By the eay, even CASH has a next business day requirement IF you go into the bank and actually give it to the tellers. Don't ask the tellers banking questions, they don't know and that is not their job. GTry keeping an ACCURATE checkbook register and buy a calculator. And don't use your debit card for a $2.00 purchase.