How should I handle this account-in-overdraft that happened?

[StageLeft]

<< Have you ever considered getting check guard? >>

That being what? How much would it cost? THis is the first time in my life I've ever had this happen!

 

[myputer]

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<< Have you ever considered getting check guard? >>



Is that like a cup? >>



LMAO!

My check guard is for $500.00, if there isn't enough money in my checking account to cover a check, the bank covers it for me. So my checks can never bounce. I decided to get this after I bounced a 3.00 check, I had to pay $30.00 in fees for that damn thing!

Mine has a 15% intrest rate on it, which really doesn't bother me since I pay it off right away if I use it.

 

[Amused]

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<<

<< Have you ever considered getting check guard? >>



Is that like a cup? >>



LMAO!

My check guard is for $500.00, if there isn't enough money in my checking account to cover a check, the bank covers it for me. So my checks can never bounce. I decided to get this after I bounced a 3.00 check, I had to pay $30.00 in fees for that damn thing! >>



But it's a line of credit, right? Why not just keep a $500 (or whatever you need) buffer in your checking account?

 

[myputer]

<<

<<

<<

<< Have you ever considered getting check guard? >>



Is that like a cup? >>



LMAO!

My check guard is for $500.00, if there isn't enough money in my checking account to cover a check, the bank covers it for me. So my checks can never bounce. I decided to get this after I bounced a 3.00 check, I had to pay $30.00 in fees for that damn thing! >>



But it's a line of credit, right? Why not just keep a $500 (or whatever you need) buffer in your checking account? >>




Why not keep the $500.00 in my savings account which pays more intrest, and just keep the check guard as a precaution.

 

[StageLeft]

yeah I'm not big on having $500 sit on it's ass in my checking account when I'd hardly ever need it - how much does overdraft protection cost normally? That sounds right up my alley.