I am a 25 year old full time worker and full time student, I take great care in my finaces and making sure I do not over draw on my accounts, so how did i end up loosing two weeks pay to wachovia...
I understand how banks work, i understand that if you deposit a check it usually does not clear until the next buisness day however i was under the understanding that depositing cash was automatically available and since my employer also uses wachovia i made what i thought was an intellegent choice and i decided to always cash my paychecks and deposit them as cash so the money would be there as needed. On one particular friday i went to the bank on my break from work when i got there everyone who just recieved their stimulus checks were in line there were 6 0r 7 cars in every line and the inside line was out the door i was forced to leave and return later because i only have a 20 min break from work so i came back at 4 when i was off of work cashed my check and deposited cash to my checking account. I dont like carrying cash on me i choose to use my debit card everywhere i go i feel safer not having any actual cash in my purse so, i spent my weekend as usual went to a ouple different places bought small items and used my card to purchase them. On monday when i went to work i logged online to check my bank statement and to my dismay my account was - 400.00 i thought it was an error i asked my employer if i could run to the bank quick and see what the problem was. When i arrived at the bank they explained to me that even though it was cash i could not use my debit card at a store however i could have taken cash out of the atm and i would have been fine so every little purchase i made that weekend totaling $187.00 took my account from 350 dollars to neg almost 400 dollars i was so embaressed i lost every penny i had and then some not only could i not afford to live the rest of that week i had to beg my employer to advance my next weeks py check to me to cover the overdarft fees so they would not continue to rise everyday i was left with nothing for two weeks and after being a customer with wachovia for a few years they did not offer to waive any of the fees or help in any other way they said coldly and simplely i should have read the fine print better.
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