It’s as easy as one two- five- three.
I have a personal fifth/third bank account, that I use for ammo/beer/whatever. Keeps the personal and family expenses separate.
I specifically got the fifth third card because it’s a mastercard I can use online, etc., which is exactly what I did last week- I used it to buy my first pair of fall deer licenses.
Now, I specifically didn’t want “overdraft” protection because I specifically didn’t want to have a “credit” card- I hate them, and they only cause me trouble. So I said “What if there’s no money in the account when I try to use the card?” “It’s refused” which was exactly what I wanted. So when I charged the licenses, I figured, wow, there’s still some money in the account!” So I figured just to be safe, I’d transfer some cash from my ING account.
And then I get a courtesy call from the bank. “You have three overdrafts” totalling $99. WHAT? So I call, explain the situation to the bank manager, who very nicely said ‘You’re fucked! Have a nice day!”
Jesus. Out a hundred bucks because they don’t do what they say they will. Oh, they will? “If you tried to get money out of the account at an ATM it would have stopped you” But they let you use the card willy nilly. Fuck fifth third, and the horse they galloped in on.
Problem is, they’re _all_ like that. Well, maybe you could find a local credit union that isn’t, if you’re reeeeally lucky. The “best” part is they won’t disable the overdraft “protection” even if you ask.
Wow, you got a call? I’m impressed.
Not that I bounce checks anymore, but back in the day I was lucky to get something in the mail a week after the check bounced. Even after I specifically asked the bank (not Fifth/Third) to call me if a check bounced.
Of course I wouldn’t do business with Fifth/Third if forced, but that’s another issue for another time.
I’m with Nathan, I’m impressed they called you. Most just send you a letter two weeks later.
I’ve yet to find a bank that would stop a debit card purchase. If you find one that actually does, let me know.
5/3 has repeatedly fucked me up the ass on things like this. I first opened my account when I was 15 so that I could access my money from anywhere, either home or school. But they wouldn’t let me take money out without a parent present. Which would’ve been fine, but there was no mention of that when I opened the damn thing. Being 3 hours away from home 8 months out of the year meant that i needed to get at MY money when I needed it. Then at Purdue they kept sending my balances to my house instead of me. And the refused to activate my online access. So when I overdrew I didn’t know about it for a week, at least. Fuckers.
Although, I’m mildly comforted to see that they screwed someone else. I was wondering if it was personal there for a while. Sucks though.