Banking Question

iVillage Member
Registered: 12-21-2004
Banking Question
13
Wed, 01-28-2009 - 4:57pm

I am so mad this afternoon - yesterday I had my first NSF charge from the bank ever.

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iVillage Member
Registered: 09-20-2004
Wed, 01-28-2009 - 5:40pm

Wait until tomorrow morning to check again...sometimes, these things get straightened out by the processors, and that is a night shift thing.

iVillage Member
Registered: 12-21-2004
Wed, 01-28-2009 - 5:46pm
Thanks for responding...I know but it is so irritating when I am trying so hard -- but I have had the account for 15 years and this is the 1st - well 2nd I guess, time that it has happened.
iVillage Member
Registered: 10-02-2008
Thu, 01-29-2009 - 6:44am

My neighbor used to work in a bank and she told me that's the biggest money maker they have, processing checks before deposits... more OD's that way.

iVillage Member
Registered: 11-17-2007
Thu, 01-29-2009 - 7:32am

You don't need a bank account with Paypal. I have mine connected to a charge card and it work fine that way


I would go while you are still mad and change it to a charge card with a low limit on it.


Mary Ann


iVillage Member
Registered: 04-10-2003
Thu, 01-29-2009 - 8:37am

So sorry to hear this! I know I get frustrated when I do things that cost me money. No matter how small, it still hurts knowing that money could have been spend elsewhere.

I agree with PP's. Go into the bank and ask if they will reduce the second charge. If this is the first time you have done this, I can't see them having a problem with it!


Good luck!


Bex -


"Yesterday is history, tomorrow is a mystery, today is a gift -thats why its called the present."


Bex -

Avatar for cl_beckymk
iVillage Member
Registered: 03-19-2003
Thu, 01-29-2009 - 9:44am

You know it was the 1 and only NSF issue I had in my checking account once that pushed me totally over the edge!

iVillage Member
Registered: 08-04-2008
Thu, 01-29-2009 - 11:28am

Mary Ann -


I think the idea of a CC with paypal is a good one, for some.


Bottom line here folks is most of us have a CC and debt problem.




iVillage Member
Registered: 10-01-2008
Thu, 01-29-2009 - 1:01pm

Sorry this mess happened.

Norma


"Patience is the best remedy for every trouble"- Plautus


iVillage Member
Registered: 12-21-2004
Fri, 01-30-2009 - 6:08am

I tried and tried yesterday to get the two $30.00 charges removed - no luck.

Avatar for sohappilyme
iVillage Member
Registered: 03-26-2003
Fri, 01-30-2009 - 10:07am

As a veteran of more than my share of overdraft charges in the past, you have my sympathies!

As for Paypal, when you pay with a bank account the payment has to clear. That process takes 2-3 business days in most cases. If you use an existing Paypal balance, the payment to the seller is instant (the funds are already there and verified) but otherwise it's like writing a check (even if drawn from savings). Because the payment could be returned for NSF, Paypal notifies the seller first of the payment and then of the fact that it has cleared.

I can't believe the shoes weren't the right size! (((Hugs!)))

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