||[Oct. 29th, 2006|07:56 pm]
The Question Club
My bank did something very strange that ended up costing me $26.|
About a week a go, when withdrawing money from my checking account to pay for medicine, I noticed that there was some extra in there that I could not account for. About $800 extra. Knowing I had just had a direct paycheck deposit, but not for anywhere near that much, I took out what I needed, and left it at that for a while. As I was sick, I didnt get the chance to investigate the matter any further for a few days.
On Thursday, I needed gas on the way to work, so I used my debit card to get $5 worth. After work, I went to the bank to ask them about the extra money. The teller said they had put $750 into my account (without my knowledge or consent) incase I overdrew, and that if I did overdraw I'd still be charged the overdraft fee. She said I could talk to another lady to 'opt out of it'. I did, but was told that I was overdrawn, get this, by 20 cents, and would be charged the $26 overdraft fee.
Does this seem right to you?
I wasnt told the money would be put into my account, nor how much had been put in. I wasnt sure how much my paycheck was for, but I was pretty sure it was a bit over $20 (how much I took out for my meds) and that I had ~$5 in there before hand (the ammount I spent on gas). Then to be charged $26 for an overdraft of 20 cents?! It jsut doesnt seem right! Could anyone who knows more about financial stuff tell me if there's anything I can do? I have a check for $30 from babysitting last night, and I'd really rather it not go to the bank as I need it for gas and food. I'm not going to be getting another paycheck for two weeks, and I kind of want to eat, you know, now.