Sneaky bastards at Bank of America

[Luna]

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.

[LMNO]

They're trying to force you to go to paperless e-statements.

[LMNO]

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.

[Suu]

I thought they weren't allowed do that anymore? The minimum balance bit?

[The Good Reverend Roger]

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.

What I was saying about the banality of Evil?  It's just a fee, not a pogrom or a genocide or any of that shit.  It just grinds people a little further into the muck, just to do it.

[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.

[The Good Reverend Roger]

I thought they weren't allowed do that anymore? The minimum balance bit?

Well, they do.  I happen to know this, after the Great Money Drain of Feb-Mar.

[Suu]

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.

That's BofA's signature move.

[Dysfunctional Cunt]

My personal favorite is when someone writes you a bad check and not only do you get $600 plus in overdraft fees because you used your debit card to rent movies and do other nickle and dime bullshit, but they also charge you for the bad check.....

Even better is when the divorce judge says it isn't his fault the check was bad it's his banks fault and your bank says you should never count on money not collected because I'm supposed to be psychic and shit and know the fucker's bank was going to return his check because his funds were on hold.  Even though I wated 3 full business days before I made the first dent into that money.

[Fredfredly ⊂(◉‿◉)つ]

My bank charges me if I don't use my debit card at least 3 times a month  

[Dysfunctional Cunt]

My bank charges me if I don't use my debit card at least 3 times a month  

Redbox!!!!  Dollar movies and debit card use combined 

[Luna]

My bank charges me if I don't use my debit card at least 3 times a month  

Ah, of course.  They collect fees from retailers when you use your card, so if you DON'T use it, YOU get to pay...

[Fredfredly ⊂(◉‿◉)つ]

thats a waste of my dollars and i am a poor college student who needs them all. i usually manage to do 3 a month but sometimes im POOR and spend nothing and then they charge me for it!!??

[Suu]

This is why I don't have a bank account.

I have a debit card account that let's me write checks and deposit them by scanning them on the internet.

Not to mention after the divorce, I can't get a real bank account anyway thanks to the amazing amounts of overdrafts the ex did in his attempts to keep the lights on during my 5 months of unemployment in 2008. So, as long as I'm in school, this account is good until 2015, hopefully by then, enough shit will have fallen off of my credit report and I can start being an adult again. Until then, I have my one secured credit card and one debit card.

[Cuddlefish]

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.