First off, I will never say I am a financial genius. I have had an account with US Bank for years now, and about a year ago, I also opened up a savings account for 'just in case'. I specifically asked at that time if my accounts would be linked in case of an overdraft occurance, and was told 'yes'. If they had to draw from my savings to cover a checking expense, it would be a $5 fee. OK, lets do it.
So, I deposited a check into my account on Saturday for $531, which I knew would not be fully available til Monday afternoon. I confirmed with the teller that $100 of it was immediately available on that day. On top of which, I already had $250 in the account before that. So, I took care of several things I needed to take care of over the weekend.
I wrote my sister a check yesterday for $307 and went online today to check my balance just to make sure all my stuff was cleared and to do my online bill paying for this month. BLAM!!! SIX overdraft fees at $31 each, leaving me with only $124 in my account¬ even enough to cover the check I wrote to my sister.
I called the 'Customer Service' line... What a flippin joke!!! She admits the account was not set up the way it should have been, but she cannot credit the overdraft fees. HUH??? And WTF? If 'you' know that 'you' screwed it up, why do 'I' have to pay for it???
They do not seem to care that they are playing with my rent money and my grocery money... While they sit and have their employee parties and what not on my dime... US Bank is a bunch of money-wh*s... And as soon as this gets straightened out and all of my other stuff clears, I will be pulling all of my money out of my checking and savings account and depositing it with the local credit union...
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