Grizzly Weinstein (sea_gaagii) wrote,
Grizzly Weinstein

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Banking fun

I have been doing a good job keeping the correct amount of money in my checking account to handle any outstanding checks. I don't think I have bounced a check in years. Due to a small brain fart and some exceptionally long processing of a good size check (given by hand on Sept 30th, 2004) I managed to bounce two checks today.

It looked pretty odd at first.
Large Check comes in: New balance $26.60
Check for $423.15 comes in: Bounce, $20 NSF Fee, balance $6.60
Check for $250.00 comes in: Paid, $20 NSF Fee, balance (263.40)
Check for $25 comes in: Bounce, $20 NSF Fee, balance (283.40)

It took me a bit to figure out it, but apparently I have $250 overdraft protection. This explains why they bounced the first check and paid the second, What is strange is that I thought I had overdraft protection equal to what is in my savings account. I need to call them tomorrow.

What makes this annoying is the checks they bounced were for:
Department of Licensing: $423.15
Redmond Court: $25.

Something tells me these are going to be both annoying and expensive bounces.

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