Before we get started…just to let you know, I’m all about the fabulousness of Direct Deposit. I have it. My husband doesn’t. So, now that we got that out of the way…
Why is it that when a check is deposited into my bank account, it’s not available to me for 24 hours? Not even 24 human hours. Twenty-four BUSINESS hours. So a check deposited on a Saturday is treated as though it’s been deposited on the following Monday, which means it won’t be available until that following Tuesday. FOUR days after the deposit. Okay, I get that they need to know the check is good. I understand that. But, DAMN. That’s NINETY-SIX HUMAN HOURS. And ya know who NEVER, EVER, E-VER waits a “business” day to withdraw money from my account???? Our mortgage company, that’s who. And our Parent Loan servicers (PLUS LOANS – straight from the Satan himself – but that’s a post for another day). And any other automatic payment I have set up. That money gets SUCKED out as soon as the clock strikes midnight on D-Day (Due Date). So then, on top of having a negative balance in my account, I have FINES to pay, all the while seeing that “Pending Deposit” just sitting there, DOING NOTHING. Just smirking, like…Oh, you thought you had those payments covered?? Gosh, you’re cute. Yeah, sorry about that (SOOOO not sorry)
And don’t even get me started on holiday hours…
I hate bank math. But I still love using capital letters. They really make a written rant so much more satisfying.
Life on a Box Wine Budget 