Wells Fargo, WHAT THE DUCE!!!

[AphexDreamer]

ok, so I had 88 dollars in my checking account and I bought $74 woth of RAM, so I should have $14 right, right.

Then I put 240 dollars into my Checkings and $100 into my savings so now I should have $254 in my Checkings and $300 in my savings rigiht, right.

Then I bought a $257 MotherBoard useing my CHeckings, but I only had 254 in there, so Wells Fargo has this OverDraw thing and took $35 out of my savings, so now my savings has $265 which makes sense, but(get this) my Checkings which should have $32 in it(254-257=-3+35=32) now has 278 DOLLARS IN IT!!!.:rockout:

How Freakin sweet is that, I have no idea how this happend but al these purchases were made before today and my Bank account now has $278 Checkings and $265 savings.

Wow, I MEAN just WOW:rockout: ALthough its not a lot of money, still its money!!

[zekrahminator]

Your check bounced, if you don't already have the motherboard you're not going to get it until they have the cash paid in full :p.

[Steevo]

They charged you a overdraft fee, then returned the check, you will probably get hit with a returned check fee from the other bank, and they transfered the money from your savings, to pay your fee, and the cost of the check when it is sent through again.



So you lose.




I have enough overdraft protection I could buy a whole new system, but that is only for those times you, or someone else makes a mistake.

[zekrahminator]

Same here, I've got a good $500 of overdraft lying around in case, say, someone put water in my gas tank and I needed to replace the corroded fuel system.

[AphexDreamer]

hmmm, well My motherboard has been shipped to me already, as well as everythings else.

I'll let yall know if I lose money or something, how long should it take???

[DaMulta]

A few days.

[AphexDreamer]

A few days.

Again I'll let yall know.

Live and Learn...

Maybe it was not such a good idea for my parents to get me a Bank Account lol. jk.

EDIT: oh by the way its already been two Days...

[DaMulta]

I have over ordered stuff before and it took them a week to catch up.

[AphexDreamer]

I have over ordered stuff before and it took them a week to catch up.

The Thing I don't Understand is where did the $246 come from???

:confused:

[Steevo]

Your bank did the same crap that all banks will. Look out for their buck first.



If you have insufficient funds they will sometimes pay a check, then charge you a fee, but in a case where you had money they could transfer, they return it with a insufficient funds notice, charge you a fee, charge a transfer fee, and then another bank gets a shot at making some money too. So that is money waiting to get hit with the check again, as they usually run it three times. I hate most banks for the shit they pull, like me depositing a quite large check for the purchase of my home from another well known bank, in the day and age of same day transfers, and faxable confirmation. Most banks still have to borrow from the federal reserve float at a low interest rate to keep enough money on hand to operate, as most is out in loans, and other interests. So on large money transfers they will sometimes hold your money for a few days and get some interest free use out of it. aND THE WORST THING i HAVE EVER GONE THROUGH WITH A BANK.......


I used to deposit my paycheck, after cashing it, as I was paid Thursdays at noon bY a former boss. And they would do the same shit by holding the deposit till Saturday. After numerous times bringing in my deposit slip from a teller showing a cash deposit, forcing them to refund the overdraft fees I finally just started carrying cash. This was Key Bank, and the worst thing ever.........


They still has a couple hundred dollars of mine, a few months down the road I went out and ran out of cash, so I wrote two checks. Sunday I went to the store and tried writing a check there for groceries, and they rejected it as it was "on a closed account" Monday I stormed in, asked WTF was up, and was told do to inactivity on my account it had been closed. When I asked what they did with my money, they were keeping it for me......... the same day I closed my account, picked up the two checks I wrote on Saturday night, and went down the street to another bank. But every banks kinda does the same shit. So they all suck balls unless you have uber cash to leave in the bank, or unless you are a business.

[AphexDreamer]

Your bank did the same crap that all banks will. Look out for their buck first.



If you have insufficient funds they will sometimes pay a check, then charge you a fee, but in a case where you had money they could transfer, they return it with a insufficient funds notice, charge you a fee, charge a transfer fee, and then another bank gets a shot at making some money too. So that is money waiting to get hit with the check again, as they usually run it three times. I hate most banks for the shit they pull, like me depositing a quite large check for the purchase of my home from another well known bank, in the day and age of same day transfers, and faxable confirmation. Most banks still have to borrow from the federal reserve float at a low interest rate to keep enough money on hand to operate, as most is out in loans, and other interests. So on large money transfers they will sometimes hold your money for a few days and get some interest free use out of it. aND THE WORST THING i HAVE EVER GONE THROUGH WITH A BANK.......


I used to deposit my paycheck, after cashing it, as I was paid Thursdays at noon bY a former boss. And they would do the same shit by holding the deposit till Saturday. After numerous times bringing in my deposit slip from a teller showing a cash deposit, forcing them to refund the overdraft fees I finally just started carrying cash. This was Key Bank, and the worst thing ever.........


They still has a couple hundred dollars of mine, a few months down the road I went out and ran out of cash, so I wrote two checks. Sunday I went to the store and tried writing a check there for groceries, and they rejected it as it was "on a closed account" Monday I stormed in, asked WTF was up, and was told do to inactivity on my account it had been closed. When I asked what they did with my money, they were keeping it for me......... the same day I closed my account, picked up the two checks I wrote on Saturday night, and went down the street to another bank. But every banks kinda does the same shit. So they all suck balls unless you have uber cash to leave in the bank, or unless you are a business.

Money Makes the World go Round....