(((Aims)))

Good luck vw!

I think I am going to have to switch banks tomorrow. How is it possible to have overdraft fees before something posts? I'm sure this is a new thing. Before, I could match a fee to the overdraft. Now, I have them before the charge even posts to the account.

{{{{Aims and family}}}}

Aims, I'm so sorry about your sister. What a frigging rollercoaster. You've got all my ~ma, babe.

Happy Birthday, Bonny! Happy Adoption Day Bartleby!

Thanks guys. I wondered why she hadn't called. I guess our mom has been up there since Wednesday.

Oh, man, Aimee. Fingers crossed for swift improvement.

Crap, Aims. All my healing vibes for your sister.

I think I am going to have to switch banks tomorrow. How is it possible to have overdraft fees before something posts? I'm sure this is a new thing. Before, I could match a fee to the overdraft. Now, I have them before the charge even posts to the account.

Good luck finding a bank that does not do this. It is a new policy all banks are adapting. Basically a charge is "pending" even before it posts - meaning they know about it before they go through the accounting process that officially posts it. So if your posted withdrawals plus pending withdrawals exceed your posted deposits - congratulations you are in overdraft.

Ah, you say, put what if I have pending deposits to cover it. You are out of luck: The bank will post your withdrawals before your deposits. Further the amount of time you were overdrawn will not be the one day posting date. It will be the whole time your withdrawals were pending.

Not saying it is fair: but if you find a bank, S&L or credit union that does NOT do this, please let me know.

What you can do is catch your bank manager at a non-prime time. You almost certainly will be able to negotiate a reduction in overdraft fees, just because you went to the trouble of asking.

The tivo people are AFTER me. The price is now down to $598. ARGH, the temptation. I don't NEED a couch, right?

People can't sleep on a TiVo. IJS.