So I pay a bunch of bills today and I go to check to see how much money I have in my accounts..... after all my bills are paid I will have a combined $24 dollars in savings and checking, im almost out of food, my car is out of gas, and I need to do laundry........ :| I check the statements online and I have a $30 withdrawl fee? WTF is that? Has anyone ever heard of a $30 withdrawl fee from US Bank? I also have a maintence fee of $5. $35 is a lot of money for me right now because somehow I have to make it until next week and I have 0 cash......... :| Goddamn banks..... anyone know of a good bank in the Wisconsin area that doesnt have all those fees?
A HUGE WTF
- Thread starter GoingUp
- Start date
Most likely you've been making withdrawals from an ATM that doesn't belong to your bank.
You get charged twice, & the ones from your bank will be grouped into one.
Mine's the same way.
Viper GTS
You get charged twice, & the ones from your bank will be grouped into one.
Mine's the same way.
Viper GTS
my parents got a $10,000 check in the mail once from their bank. It was sent in a regular 37 cent envelope
Joemonkey
Diamond Member
- Mar 3, 2001
- 8,859
- 4
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i love how banks are always trying to screw you...
and don't start talking about how they are a business and they need to make money and all that crap, i realize that... but the crap i'm talking about is this:
i go to my bank's ATM, thinking i have around $40 in checking... so, i take out $20... i really had $18 in there, but the bank allowed me to take out the $20 just so they could then charge me a $25 fee for overdrawing! i would have rathered they said "sorry you can't get $20 out of the atm" but they decided to screw me
my checking also has a $3 account maintenance fee, which if you have direct deposit, goes down to a $1 a month fee. however, instead of taking out $1 from the account, they take out $3 then credit back $2.
if i only had $1.50 in the bank, and the maintenance fee was only $1, but they took out $3 then credited back $2, i'd get charged another overdraft fee! i hate banks w/ a passion
and don't start talking about how they are a business and they need to make money and all that crap, i realize that... but the crap i'm talking about is this:
i go to my bank's ATM, thinking i have around $40 in checking... so, i take out $20... i really had $18 in there, but the bank allowed me to take out the $20 just so they could then charge me a $25 fee for overdrawing! i would have rathered they said "sorry you can't get $20 out of the atm" but they decided to screw me
my checking also has a $3 account maintenance fee, which if you have direct deposit, goes down to a $1 a month fee. however, instead of taking out $1 from the account, they take out $3 then credit back $2.
if i only had $1.50 in the bank, and the maintenance fee was only $1, but they took out $3 then credited back $2, i'd get charged another overdraft fee! i hate banks w/ a passion
My bank has never charged me for using anyone elses ATMs. You got a crappy bank there guys dang!
I accidentally had 3 overdrafts for purchases of $4 each when I was buyin lunch.... :| The fee is $5 but it is itemized seperately from the larger fee.....
There are good banks and there are sh*tty banks. And my bank is an awesome bank. No monthy fees or anything like that. I have over draft protection via my credit card (so no bouncing chex or NSF fees). And, best of all, they reimburse me upto $12/month for ATM fees so I can use any d@mn ATM I want. 
BTW, you should really change banks. Paying for a checking account and stuff like that is BS IMO. Banks almost always have incentives and free sh*t for new members so I think you should take yer $24 and split.
Lethal
BTW, you should really change banks. Paying for a checking account and stuff like that is BS IMO. Banks almost always have incentives and free sh*t for new members so I think you should take yer $24 and split.
Lethal
Well I called and b!tched and they refunded me the $30 withdrawl fee..... evidently it is a federal law that they have to track how often you transfer money via internet or phone and if its more than 6 times a month, they can charge you.... $30 is a huge difference for me right now.... it means groceries and gas and laundry can get done this week....
HomeBrewerDude
Lifer
- Jan 18, 2001
- 14,465
- 1
- 0
If you are in Madison, Summit Credit Union or UW Credit Union. Just a FYI, the credit unions in Madison have an agreement that all credit union ATMs will be surcharge free to any person with a credit union account.
yeah, unless you like convenient things like weekend hours and wire transfers and low minimum account requirements.
Who needs weekend hours? I never even visit my Credit Union... it's in another state! I do everything via phone, fax, & internet.
Wire Transfers? No problem. See above.
Minimum account requirements? The minimum balance at my credit union is $5 in savings, and $0 in checking.
Credit Unions beat banks no question! When my wife and I got married, we dumped her bank (Suntrust) and stayed with my credit union. Suntrust was charging her $120/yr just to have an account with them!
HomeBrewerDude
Lifer
- Jan 18, 2001
- 14,465
- 1
- 0
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