I recently went out on a Saturday. My first stop was at a drive up window where I deposited a large amount. Let's say $1500 for reference. My account balance before I did so was almost $400. I wasn't broke. Next I went to several stores, my last stop being a big name nationwide retail store. In the four stops, I used my ATM card. At Big Name, my card was rejected! What?? However, I've found times when any of my cards will work this time but not next. It happens. I wasn't really worried, so I wrote a check which was electronically deposited (meaning it was debited to my account then and there, and it cleared).
Today I was having trouble with the bill pay feature online. That's another story (I've had this kind of problem in the past with this bank), but I had to call the bank to find out what was wrong, and in the course of the conversation, I mentioned that situation. The woman who was helping me commented that it was rejected because of insufficient funds. WTF?????
Later I looked, and I learned that the uses of my card on that day totaled .... are you ready for this? .... $2 more than the balance BEFORE my deposit of $1500!!! Yet the electronic check, from the same account, was accepted. OK, this is bad enough, but my real rant is this ....
HOW CAN BANKS ELECTRONICALLY RECOGNIZE MONEY YOU'RE TAKING OUT VIA ATM OR ELECTRONIC CHECK AND DENY IT, BUT THEY
Yes, I'm angry, really, really angry. They use our deposits in this was and many other ways! Infuriating!
Besides that, they can't figure out why my bill pay is not working. It's going to IT and they will call when they figure it out. I'm thinking I need to change banks.