Sneaky bastards at Bank of America

[Suu]

Never a fee, and if shit gets weird, I can just transform and roll out.

This is one of the greatest things I've heard. Ever.

[Luna]

Dimo doesn't do banks anymore, strictly because of bullshit like this. He stashes his valuables in his Transformers. Bank of Fortress Maximus works just fine for me. In fact, I've never been more organized. Never a fee, and if shit gets weird, I can just transform and roll out.

[AFK]

Y'all need to switch to TD Bank if you have one in your neck of the woods.  I don't ever have to pay any fees for anything.  Their hours are better too.  Open on Sundays. 

[Suu]

We FINALLY just got them in RI.

[Requia ☣]

Also look at credit unions, really.  Mine even gives a line of credit to prevent bouncing checks in the first place (not exactly free, but the dollar something I payed for interest was a heck of a lot nicer than the 30$ a bounced check would cost).

[maphdet]

So, I look over my bank statement to see if my rent check has cleared.  I happen to notice a $3 fee.  Check Image fee.

What the hell?  I haven't requested any check images...

No.  Now, instead of actually returning your checks to you, they put bad photocopies on the statement, and CHARGE you for it.

Bloody hell, they've been soaking me for months, and I didn't notice.

Fuckers.

I hate Bank of America.


Try to call them.

I have BofA as well and when I saw the $3 fee for check images I called right up. Of course the lady on the phone was just doing her job and told me that a letter was sent out, stating that if I did not want this 'feature' of check images (that costs $3/permonth i think per month) I needed to reply in writing.
I told the rep that I never received said letter and told her how I felt this was wrong to do to their account holders. She said she could not do anything. I asked for the next level up a supervisor. I told them what I thought and in the end they refunded my account the fee. This was for one month. But you should call regardless. And be adamant about it.

I just got nailed with overlimt fees-which ok I screwed up. But the bastards also have extended overdraft fees now. and I think they charge $35 ever 5 days. Which sucks.

They have also in the past charged my account for a checking account fee. And every time they do I call in and tell them it is in error (as I have a mortgage (qualifying balance) with them and every time they do take the charges off. But every year they still try to screw me out of the monthly charges.

Seriously, Bank of America sucks. Am thinking about a credit union but i only have six more years left. then I'll leave.

[Mesozoic Mister Nigel]

Credit unions are the only way to go. The people who work at mine are retarded, but at least they're not evil.

[Fredfredly ⊂(◉‿◉)つ]

I just joined a credit union for a better student loan. dont ave checking with them yet but got some savings started. 50$ dollars...woooow.

[Jasper]

US bank sent me a notice mentioning the "poor tax" too.  How uncommonly kind of them.

Peace, sex knuckles.  I'm out.

Siggie,
Apparently can't even afford to be poor

[Sir Squid Diddimus]

What gets on my nerves even more than that is my bank's policy that, if you have less than $X in your account, they hit you with a $17 "service charge", that usually happens right around the end of the month, when you're paying bills.

Yeah, so the people who can hardly afford to spend any more money get a "being poor" fee taken directly out of their account with no word on when it's going to happen, and has a much greated chance of triggering off all the bounced check fees when they do take it.

Add in the "we'll cash the BIGGEST check first" policy to maximize bounce fees.

You have $200 in your account.  You write checks for $175, $50, $60, and $80.  They cash the $175, thus bouncing the $50, $60, and $80, when those three together would clear, so they can collect triple the bounce fees.

Wait a minute. Why the fuck would you write $365 worth of checks if you only have $200 in the bank?!?
Don't get me wrong. I'm not trying to stick up for these fuckers, I know all the inside bullshit that goes on that drives me BAT. SHIT. INSANE. like the "poor people's fee" and the image fee and the teller fees, reject fees, we don't like you fees, but for FUCK'S SAKE don't write checks your ass can't cash, literally!!
That is the easiest way to ruin your credit and fall into debt.

Also Dimo is riding the correct transformer.

[Luna]

What gets on my nerves even more than that is my bank's policy that, if you have less than $X in your account, they hit you with a $17 "service charge", that usually happens right around the end of the month, when you're paying bills.

Yeah, so the people who can hardly afford to spend any more money get a "being poor" fee taken directly out of their account with no word on when it's going to happen, and has a much greated chance of triggering off all the bounced check fees when they do take it.

Add in the "we'll cash the BIGGEST check first" policy to maximize bounce fees.

You have $200 in your account.  You write checks for $175, $50, $60, and $80.  They cash the $175, thus bouncing the $50, $60, and $80, when those three together would clear, so they can collect triple the bounce fees.

Wait a minute. Why the fuck would you write $365 worth of checks if you only have $200 in the bank?!?
Don't get me wrong. I'm not trying to stick up for these fuckers, I know all the inside bullshit that goes on that drives me BAT. SHIT. INSANE. like the "poor people's fee" and the image fee and the teller fees, reject fees, we don't like you fees, but for FUCK'S SAKE don't write checks your ass can't cash, literally!!
That is the easiest way to ruin your credit and fall into debt.

Also Dimo is riding the correct transformer.

Just an extreme example to illustrate...  However, could happen in a case where, for example, the check you deposited was from deadbeat dad and was refused by his bank...  Or if you shithead husband writes checks you don't know about.

Trust me, I agree...  I'm in payroll, and get to deal with some of this shit...  Actual conversation:

Moron:  "Why did I bounce checks?  My pay was supposed to be direct deposited on Thursday!  You have to pay my fees!"
Me:  "Payday is Friday.  Was the money there Friday?"
Moron:  "Yes, but it's ALWAYS there Thursday!  I had payments set up for Thursday!"
Me:  "Payday is Friday, always has been."
Moron:  "But...  But, it's ALWAYS there on Thursdays!  You have to pay my fees!"
Me:  "If your bank chooses to credit your account a day early, that's out of my control... but, payday is Friday.  We can't be responsible for paying your fees, they have until 5:00 PM on Friday to credit your account."
Moron:  "But...  But..."

[Sir Squid Diddimus]

Working in my field as long as I have I'll say this--

A check is a promissory note. Nothing more. It can take months to clear depending on what happens to it between the teller's hands and the end of day 1 processing.
Fucking black jelly bean just snuck it's way into my mouth. Bastard!
It's always wisest no never ever pay anything until you check your account and see that your monies have posted and are not pending.
It's also very clever to keep a buffer if possible to avoid cutting close to the bottom of your barrel. (not always possible for some to do)

That's my two cents.

[Luna]

Working in my field as long as I have I'll say this--

A check is a promissory note. Nothing more. It can take months to clear depending on what happens to it between the teller's hands and the end of day 1 processing.
Fucking black jelly bean just snuck it's way into my mouth. Bastard!
It's always wisest no never ever pay anything until you check your account and see that your monies have posted and are not pending.
It's also very clever to keep a buffer if possible to avoid cutting close to the bottom of your barrel. (not always possible for some to do)

That's my two cents.

Absolutely agreed (except I LIKE black jelly beans, and you're making me hungry).

[Dysfunctional Cunt]

I am eating black jelly beans that no one else would eat so they give them all to me NEENER while balancing my checking account and reading this thread.

Since I am broke it is not difficult. 

[Telarus]

Fucking hate BOFA. Have an account right now but am looking for better options.


Oh, FRED, you can get a 'student checking account' and they don't charge you the monthly balance fees. Look into it, I'm trying to get my girlfriend's acct switched over to one because I'm on it as well and I qualify.