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What the F**K!?!
Ok, going to say straight out I'm an idiot who doesn't pay as much attention to the news as I should. There, I said it.
Now that that's out of the way, I'm pissed as hell at my bank. This new service charge bullshit that's started because of some Congress law? Yeah, I do NOT understand it, save for the fact that with my bank, if I don't keep a minimum $100 in my account AND have Direct Deposit, I get bitchslapped with a fee. I saw it last month and thought it was the yearly service fee for my debit card. This month, it hit, and put my fucking in the negative (Helllooooo overdraft fees! FUCK!!!)
I was not sent any notice of this. I was not given any information. I do all my banking online, and they can send messages in the message center about expected outages and downtimes, but NOTHING saying that I'm being penalized for having to live paycheck to paycheck. Seriously, folks, I keep my account balanced to the fucking PENNY. I know exactly how much I have to spend and I make sure to always have a $5 cushion in my account. The amount of the fee? $5.95. I went 5 cents over after the fee hit and got hit with overdraft fees. I called one of the branches that's open on Sunday and the bitch on the other line kept saying "well, I know it used to be absolutely free checking, but because of Congress, we can't call it that no more."
I asked her if there was a notice sent out, something I had to sign agreeing to the change in my account. She said notices DID go out with some of the statements , I just must not have read mine. I mentioned that I get paperless statements, since their whole go green banking initiative a while ago.
I asked if there was a way to waive one month's fee, since I was not informed, and she said it's Congress' fault for passing the law saying we can't have free checking accounts anymore.
Is she SERIOUS? Congress specifically said that banks can't offer free checking accounts? REALLY?!
So, now I have to call a manager, who won't be in until Wednesday (Why not Tuesday, fuck all if I know), and then go about finding another fucking bank, switching it over and redoing my direct deposit, HOPEFULLY before I get paid on the 24th. I get paid on the 10th, there's no way I can get that done by then. However, direct deposit requires a check, so I'll have to buy a box of fucking checks (which I will in turn NEVER FUCKING USE AGAIN), to sign up for direct deposit from work.
I'm sitting here, after having just called my mom sobbing. I seriously live paycheck to paycheck. That $6? Was SUPPOSED to be my bus fare for the next 3 days. That could've been 2 days worth of produce bought at a grocery store. I'm steamed, and still crying because now I have to rebalance and rejuggle everything moneywise, and sacrifice a few things out of my paycheck to pay the overdraft fees, so I don't get farther behind and am still able to pay my rent and bills on time.
I'm exhausted, I hurt, and this is shit I just don't need to deal with. I know I should go look up this law, and I should start looking for other banks, but honestly all I can do at this point is sit and cry. When I started this account with this branch, I was a college student, so I didn't need a minimum start up deposit, and so far, Well Fargo and BoA require a minimum of, I think $100 to open an account, and their monthly fees are higher than the bank I have now, (which, FTR is Woodforest). Gods, I hate my life.
Now that that's out of the way, I'm pissed as hell at my bank. This new service charge bullshit that's started because of some Congress law? Yeah, I do NOT understand it, save for the fact that with my bank, if I don't keep a minimum $100 in my account AND have Direct Deposit, I get bitchslapped with a fee. I saw it last month and thought it was the yearly service fee for my debit card. This month, it hit, and put my fucking in the negative (Helllooooo overdraft fees! FUCK!!!)
I was not sent any notice of this. I was not given any information. I do all my banking online, and they can send messages in the message center about expected outages and downtimes, but NOTHING saying that I'm being penalized for having to live paycheck to paycheck. Seriously, folks, I keep my account balanced to the fucking PENNY. I know exactly how much I have to spend and I make sure to always have a $5 cushion in my account. The amount of the fee? $5.95. I went 5 cents over after the fee hit and got hit with overdraft fees. I called one of the branches that's open on Sunday and the bitch on the other line kept saying "well, I know it used to be absolutely free checking, but because of Congress, we can't call it that no more."
I asked her if there was a notice sent out, something I had to sign agreeing to the change in my account. She said notices DID go out with some of the statements , I just must not have read mine. I mentioned that I get paperless statements, since their whole go green banking initiative a while ago.
I asked if there was a way to waive one month's fee, since I was not informed, and she said it's Congress' fault for passing the law saying we can't have free checking accounts anymore.
Is she SERIOUS? Congress specifically said that banks can't offer free checking accounts? REALLY?!
So, now I have to call a manager, who won't be in until Wednesday (Why not Tuesday, fuck all if I know), and then go about finding another fucking bank, switching it over and redoing my direct deposit, HOPEFULLY before I get paid on the 24th. I get paid on the 10th, there's no way I can get that done by then. However, direct deposit requires a check, so I'll have to buy a box of fucking checks (which I will in turn NEVER FUCKING USE AGAIN), to sign up for direct deposit from work.
I'm sitting here, after having just called my mom sobbing. I seriously live paycheck to paycheck. That $6? Was SUPPOSED to be my bus fare for the next 3 days. That could've been 2 days worth of produce bought at a grocery store. I'm steamed, and still crying because now I have to rebalance and rejuggle everything moneywise, and sacrifice a few things out of my paycheck to pay the overdraft fees, so I don't get farther behind and am still able to pay my rent and bills on time.
I'm exhausted, I hurt, and this is shit I just don't need to deal with. I know I should go look up this law, and I should start looking for other banks, but honestly all I can do at this point is sit and cry. When I started this account with this branch, I was a college student, so I didn't need a minimum start up deposit, and so far, Well Fargo and BoA require a minimum of, I think $100 to open an account, and their monthly fees are higher than the bank I have now, (which, FTR is Woodforest). Gods, I hate my life.
Eric the Grey
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