News of the finance

Accounting is not a difficult subject for me, I must admit. I make mistakes, but who doesn't-they have a word for it and it's called "human error."

I made a couple of "human errors" on my banking in the last month or so. Enough to accumulate about a $60 difference. A $60 difference in an account with well over $100 usually doesn't make a difference. Well, it made a $270 difference this time.

This all, apparently, started out two weeks ago when I bounced sixty-two cents worth of a $10 check. It added a $35 fee for paying the overdrawn balance. The fees started to accumulate majorly putting me further and further into debt quicker than smoking week or doing ecstasy.

Last week I went the entire week without knowing how far I was overdrawn, so I kept swiping and the debt kept coming.

Saturday we were sitting in Leigh's car and we both checked our accounts before we went in to make sure we were going to be fine going in-although, I was positive I was going to be since Quicken had told me I had plenty of money in my account. These words came from the automated teller's computer mouth: "Your account is currently overdrawn by two-hundred seventy-eight dollars and" some change. I was floored. And freaked out.

I get to the bank on Monday. The manager wasn't as helpful as I figured she'd be. She blamed me on the problem and wouldn't even consider the fact that there _may_ have been a miscalculation and refused to even look at my documents from Quicken. That pissed me off.

She offered to set up OnLine Access-the out-sourced online banking software-so we did that. That's about the only productive thing we did.

I gave up and made a couple of phone calls and put in $150. She refunded $105 in fees, only "what she could." It put me at a positive balance.

Everything was fine and dandy. Throughout the day. Throughout the evening. And up until 2am, when I went to bed.

The next morning I awoke to, again, $270 worth of backlog.

UGH.

This time, I called ranting. Her words were: "We can't do anything for you. Good bye."

So, I had $275 transferred into the account. Now, I'm at a bare amount: $30. I have thirty damn dollars to show for the $400 I've put into the bank. All but $30 of the $400 went to the bank. I just paid a bank teller's salary for the week, go me.

I understand that the one way that a bank makes money is through the fees. But, if they wouldn't try to impress everyone with multi-billion dollar building with 1000 security cameras and 13 lazy workers who see many 10 people a day, they wouldn't be out to get everyone's money.

That's just my opinion. I'm not a bank and I'll never manage one. I promise.

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