I had written a check for a small amount less than forty dollars. I have direct deposit into my Wachovia account. I had a direct deposit into my account on July 30. I withdrew all the funds (all except $8 and some change) to pay bills. I deposit a check of $40 later that day (July 30) to cover the check that I had written (the balance was $48 and some change after the deposit). The check had not gone through the account at that time. On August 1st when I went online to check my account, I had a NSF of $35 for the check for $38. I called customer service to question the NSF and why I was charge when I had a balance of $44 at the time. The customer service representative said that the check had gone through on July 30th. I check my account daily and the check had not posted or was on hold on July 30th. I had enough money in the account on July 30 to cover the check that was written, but that customer service representative said that it must have been after the cut off time. The check did not post until July 31, but I was charged NSF for it when there was money to cover the check.
I know that when I check my account in a day or two the posting will have changed completely from what it shows today, August 1. Wachovia is famous changing things to benefit themselves as I am learning more and more and that is evident of all the reports filed just with this site. I am sure there are countless numbers of other individuals who have had the same to happen to them.
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