Direct Deposit

That kind of reminds me Jacob. Was you situation kind of like this.

You saw the overdraft fees on your statement, but the problem being, all the balances in your statement were positive? That's how all my problems happened. The dates on my statement were not matching up, with my register, in Quicken, or their Online system. WHat I saw on their online system were deposits being held. What I saw in the statements were deposits being deposited the next day. When I took in my register, a printout of their online system, and a quicken print out, they laughed at me. I asked the teller about the positive overdrafts, and they explained it as such.

" Because my debit which was shown on the official statement as being processed the day after my deposit, and before the deposit it would have caused an overdraft, they charged the overdraft." I was like Hello..... Does that make sense.

Why get charged cause it could have happened. There is a deposit for a reason. I think it's more of a case of the computer correcting the discrepency by the bank depositing late. But of course they have the policy, which I was told many times, "Absolutly under no circumstances will an overdraft charge be returned even if it is the banks fault."

I think all of us who complained here, should compare our papers to see how many similarities there are.

I enjoyed my account better when I opened it. At that time the bank was Firstar. I didn't have a single problem with them. I saved more money under Firstar than I did when they either merged or were bought out by US Bank. I hate to blame the bank, but sometimes the bank holds the red flag out in front of you to say hey we're guilty.

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- Chris -
Monster/WW ATL 02
Monster WW TL 03
Antiques/Swings TL 04
*** This post was edited by Flisk 4/8/2004 1:10:48 PM ***

So with national city, can I open a savings acct for my time while I'm there, then close it out at the end of the season?
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Mean Streak 04'

I had some over draft charges on my US Bank account, stupid thing really. My check from school didn't get deposited like it should have, so I spent the money thinking it was there, and overdrew. The next day, the money appeared in my checking account. It wasn't the banks fault, they weren't "holding" deposits or anything. I called up their HR and I called my school and I called my local branch, and then I called HR again, it was a big circle of calls, but I eventually got them to refund some of the overdraft charges. I guess it's all in who you talk to and how hard you try? I was pissed, the money was in there the NEXT DAY, it wasn't my fault, so they took pity on me (I guess) and refunded it, so it can be done. I thought I'd share a "good" US Bank story to prove that there is some good there! ;)

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Hotel Breakers Desk staff - 2002
Hotel Breakers FOM - 2003
I wish I could come back for another season...:(

Chris, that's EXACTLY what happened, plus there were quite a few other fees that NEVER showed up, period! I was quite confused when my Quiken and spreadsheets wouldn't match up with my online or paper bank statements. My dad kept a running Quiken account on his computer as well, with me relaying numbers to him, and everything checked out on his end without the US Bank statements. It just didn't make sense until we found out I kept getting charged late fees and other nonsense after I closed my account and paid them $300 I owed on the account. I went from owing them nothing to now $943... It went up yet again. Apparently I have to get it BELOW $300 before they stop charging me these assanine fees!! How the hell do they expect you to pay off an account when you get charged more than your payments you make?

*sigh* I put in a HEFTY complaint and was guarenteed my $5, but I have yet to see the check in the mail like I was promised. Well, we know one thing for sure, how US Bank makes their money.

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2003 - Mean Streak
2004 - Corkscrew / Super Himalaya

Was I the only one who DIDN'T have trouble with U.S. Bank's direct deposit? Granted only doing the direct deposit with one bank is retarted and one should think that that same bank should be on-point but ....

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2004 - Speed Zone TL
2003 - Speed Zone

I've been doing direct deposit with US for 5 years now, (with another company) but I haven't had any problems. I guess you'd think that the money would be in your available balance right away but if you think about it, after you pick up your check and drive to the ATM to deposit it, (assuming you have a car) so I'd say that it would be better with direct deposit. Just check your account online regularly. Thats my 2 cents.
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04 Breakerwater Cafe Cook

rtvenge@corporatedropoff.com
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Visit the New Forum!!!

dude, you're getting charged daily because the acct is still open! If you close it...they'll stop charging the 6 bucks a day or whatever it is.

You always have an option tho... If you're willing to give up your checking acct priviledge at ANY bank for the next 5 years - you can just wait it out and that 1,000$ will disappear. Contrary to whatever they told you, bank fees will NOT go on your credit report. You will just be blacklisted from opening a checking acct at any bank for the next 5 years.

Same thing happened to me when away at school. They were sending notices that i was overdrawn to my house, so i had no clue because i was in a different city. When i came home the next break, i opened a letter and went to the bank where they told me i owed 400$. The teller told me to close my acct and the daily fee would stop. Did i ever pay the money...hell no. I tried 3 times to open a checking acct in the couple years after, all banks telling me there was some discrepancy with Charter One bank and i'd need to fix that before i could open an acct at their bank. (i WAS allowed to open a savings tho) I ordered a credit report, nothing about charter one bank or that 400$ was on it. So i went to another bank and asked the lady why it wasnt on my report and she explained its just a bank blacklisting and doesnt affect my credit.

If you wanted to go that route ($1,000 is a ton of money to just give away!!!) i'd recommend opening a checking at another bank really soon and plan on keeping that acct for the next few years.

Also another thing about US Bank... make sure you change you're acct to free checking once you set it up. You'd think that would be automatic, but noooo. The first month last year i was just a food runner, so i'd get checks everyweek and they'd be direct deposited into my acct. Then i started serving. You're really lucky if you get a check at all if you're a server, usually you end up paying cedarpoint for housing out of your pocket...well the checks stopped getting direct deposited. Next time i looked at my statement there was a 10$ fee. .. so i went in and asked what was up. They said that i was being charged 10$ per month because my direct deposit stopped... i explained that i was still a cp employee, etc. They said they'd change my acct to free checking, adn refunded the 10$.

There are no US banks in buffalo, so i left $1 in the acct. so i wouldnt have to deal with opening another acct and waiting for a new card this summer...and i use citibank here. I havent had any prob with my 1 dollar balance all winter.

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:james
magnum crew 2002
johnny rockets 2003, 2004

damn that was long

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:james
magnum crew 2002
johnny rockets 2003, 2004

only one problem with that james....they will make you open a new account in order to set up Direct Deposit. I tryed that whole leaving money in there over the winter 2 winters ago. I still had to open a new account.

oh well, Good luck anyways.

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Certified Ride Hoe=>41 Rides, 1 Dismantled Ride
Demon Drop 2001
Demon Drop/Disaster 2002
Cad Cars/Peanuts/Disaster 2003
was(ATL) now(TL) Disaster Transport 2004=>Lifer

really!?! how backwards.

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:james
magnum crew 2002
johnny rockets 2003, 2004

The $1000 was paid off before I closed the account in January. With yet, evern more positive draft charges on it. It's all zeroed out and closed though.I'm happy that whole sutuation is over.
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- Chris -
Monster/WW ATL 02
Monster WW TL 03
Antiques/Swings TL 04