Anyone who has banking with Bank of America
Posted By: Bobbie on 2007-02-22
In Reply to:
you might want to know that the CEO of this bank has decided to let illegals have accounts here in the United States. No matter they are here illegally. I am in the process of changing banks.
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I'll bet Bank of America isn't liking this
In a revealing example of what she says the average homeowner faces, a California Congresswoman spent more than two hours on the phone trying, without success, to find someone at the Bank of America who could help a struggling constituent modify his mortgage payments. ABC News "Nightline" cameras were rolling as Congresswoman Maxine Waters (D-Ca.) was repeatedly put on hold for long stretches, disconnected, transferred to extensions that did not work and ultimately switched to a recording which directed her to the bank's website.
"The average American trying to negotiate a loan modification will not be able to get it done," said Waters. "It will be impossible for them to get in touch with the right person, and even if they get in touch with a so-called counselor, they have a cookie cutter kind of direction that they go in."
Banking accounts
Husband and I have been married for few years now and we definitely do not share our accts. We are on each others accts (as is my older daughter in case of our demise at the same time) but we pay separate bills (he pays house, vehicles), I pay for the smaller and then we split insurance and tax costs on home, vehicles and the like. There is NEVER a problem like this. I spend as I wish, he spends as he wishes and no question in my mind about his acct and he says nothing about mine. We decided this wsy before marriage and it works out great for us.
From what I recall from my banking days -
It sounds like you had overdraft protection in place, which means the bank will cover the checks (usually up to a certain amount), but you will owe them fees. They have cleared those checks. No one outside of the bank has any idea there was not enough money in the account to cover them. Be very, very glad you had that service in place! Otherwise, you would owe a lot of money to each person you wrote a check to and could have been put on a list where they will not accept checks from you. Right now I would say to contact the bank to ask about paying off those fees with them.
Not charged any fees for any banking
Once you get my age you get benefits of no fees. Love these golden years!
Got question about banking accounts
I have my main account in the state where I live, direct deposit from my company and also have another account at the same bank where I get another check each month. My husband has a banking acct in another state (I am also signed onto that acct). I can transfer funds back and forth between my accounts at my bank but I was wondering if there would be any way to transfer a large amount to the out of state account. I know I could go into my bank close by and have the money wire transferred but gosh I would love to be able to do it over the internet, would save me time. Thanks.
Transfer your banking business to a free checking account
Washington Mutual Compass Bank, and many others offer completely free checking accounts. There’s no reason you should be paying maintenance and annual fees for a checking account.
Dr. Who on BBC America
I watched almost all of the old ones, starting with Tom Baker, so I was so happy when they brought it back a couple of years ago.
I'm also a Grey's Anatomy junkie and I can't wait until next Monday when The Closer comes back on!!!
I pay most through my bank
Most banks offer a bill payment option. I get to pick and choose when and what and how much. I love this option as I generally seem to forget to buy stamps! Out of all my household bills, only one is not paid online and it is simply dropped off.
Does anyone not use a bank?
I'm getting so sick of fees and am tired of trying to second guess my bank. Does anyone not use one or not have a checking account?
use a bank
I would recommend trying to find a credit union. They are more user friendly. I have been using one for over 15 years now and never looked back. There are Very few, if any fees and good service. Hope this helps.
bank
I have used a credit union for 31 years. If you can find a credit union in your area, it is the best way to go if you think you have to have a bank. I only have a savings account at a credit union so I can cash my check for free, but I still have to deposit some of it or they will charge me. Otherwise, Wal-Mart will cash your check for a fee and you can buy money orders for like 35 cents a piece at Wal-Mart. that works for me cuz I only have 6 bills, mortgage, gas, lights, water, car insurance, phone to pay. Or listen to financial guru's like Dave Ramsey and see what they have to say about it. Also there is checkfinder.com. They have some rules but may be the best way if you feel like you have to have a bank/checking account.
yes we sure are here in middle America!
So do my folks on the w. coast, and our celeb friend in Tx, its great! Dancing is an art form, and i am intriged by the quickness and methods that these newbies learn the dances, how well they perform them, how their character plays into it, etc. Love it!
Education in America.....sm
I'm still shaking my head over this one, folks. A member of our local school board, when asked about a child whose parents were told was failing all classes but in reality was only failing one said, "Well, a child can be behind their peers but still passing."
I don't know about you all, but in my day and time of growing up, if you had a C or higher average in a class you were passing and parents weren't told the child was failing.
Mall of America
Any one been to Mall of America in Minnesota, my DH wants to go and not sure what to expect?
Mall of America
Yep, I've been there more times than I'd like to admit. My teenage daughter absolutely loves it! Very big, lots of walking, but it's 4 levels and each "corner" is anchored by a department store. Has Camp Snoopy, an amusement park, in the middle and lots of food courts scattered throughout. Also has restaurants and movie theater on the fourth floor. Any other questions?
Mall of America
Are you from Minnesota? I'm originally from Rochester, but have lived away (all over the country) for the past 27 years. ButI'm moving back this summer. Watch out Mall of America!
Mall of America
There's a new Ikea store right across from the mall. By the way, if you get there early enough, you can find parking in one of the garages which are right across the street and connected by sky-ways (free parking). They also have lockers you can rent in case your purchases get too heavy to carry! Have fun and happy shopping!
Who do you want to win America's Got Talent? (sm)
I love the ventriloquist and Cas Haley. I have gotten to really like Butterscotch in the last few weeks, but hope either Terry Fator or Cas wins. Tomorrow night will tell. 
America Idol
Does it bother anyone that there are foreign contestants on American Idol?
This is America. Your husband does not have the
right to tell anyone whether they can or cannot go anywhere, whether to your town to visit you, or anywhere else for that matter. I would just tell him that she is coming. If he doesn't like it, so what!!!
America's Most Wanted.
i try to never miss it. You never know when you might be able to help with a tip. Plus you learn how others have survived and coped with crime, and tips for staying safe. The down side is seeing how very cold-hearted and mean some people can be.
also like Greta VanSustren(sp?) on Fox; she has a good interview style.
and our nation IS America.
and the opposite of PROgress is CONgress! (he-yuck)
Of course they do, it's the dumbing down of America...
keep tabloids going, keep people interested in video games, the latest cell phone and PDA technology, ridiculous television shows with no substance, anything for Americans not to think on their own...that way they are easily persuaded into anything. Keep them happy and clueless.
Top Gear on BBC America
This show entertains me so much, I can hardly tell you. The fact that it's about cars is incidental. The three hosts just entertain the daylights out of me.
If it is like my bank they will cover you up to $500 -sm
and you have 3 days to payback the bank, which you already did. You did not have anything bounce, so no one will have notices saying not to accept your checks. The bank will be charging you though for their service of covering for you, so you may need to put in another $100 or so to cover that before Friday, check with the bank. You can probably manage your account on-line, check into it, great way to make sure you don't over draw yourself. I try to keep $1000 in the savings account for such emergencies, also with my bank they will automatically transfer the money in from savings to checking if I do overdraft for no charge since I have the money there.
You should have just cashed it at their bank - sm
I know in the past that a bank had to cash a check drawn on their bank; they may charge you $5 to do this if you do not have an account there (I have had that happen recently. Did that years ago when an ex-boyfriend owed me money, took me 2 months to beat $150 out of him; day I got the check from him I took it to his bank and cashed it to be on the safe side.) I have no idea what they do if the funds are not there, but was under the impression they had to cash it no matter what. But if you deposit it, and it bounces you will not see a dime of it and the bank will charge you a couple bucks for their inconvenience. The store will get slammed with a bounced check charge though. The bank should mail the check back to you if it does bounce though so you can re-deposit it at a later date hopefully when the funds are there; at least that is what mine would do when a former employers checks to me would bounce from time to time (and I would be charged $3 for it bouncing which stunk). If you deposited before 2 (sounds like you did not though) you will have the money tomorrow, if it was after 2 then it wil be there on Friday; check in the morning of whichever day is applicable and you will have your answer. Good luck.
I really do not resemble a bank so therefore
do not loan, give money away. The best way you can lose a friend or family members is when money gets involved. I, in your instance, would put distance between me and the other person, sounds like just using a good thing.
I said closing the bank...
…NM
Is anybody watching America Has Talent?
Normally I avoid those types of shows like the plague but I like seeing all these people who are amateurs show what they can do and you can see them improving and polishing their act and their look and gaining stage presence...it's really kind of nice to see such a variety of people striving to make their dreams come true.
What is your favorite act?
America is pretty wealthy. Does that mean all of
This is America. Learn English.
Why does this country make it so easy for them NOT to learn English?
This Is America. My grandparents who came from Italy learned English. They weren't "catered to" in Italian.
Now it's.... Press 1 for English 2 for Spanish.
Instructions to anything are given in both English and Spanish.
Signs all over are in written in Spanish.
We make it easy for them. Why should they learn English.
Because they spend money in this country. Is that why? They should make an effort to learn the language spoken here. JMO
Thoughts?
Not to mention when you try to make a service call, you get someone from India you can barely understand. Outsourcing, what a beautiful thing. NOT.
I had to mention the guy on America's Got Talent s/m
the other night who sang opera! What a talent and what a warm wonderful guy who broke down when he spoke of his mother, what she has done for him, and what this means to her!
America should have self-powered buildings
if Dubai does.
Homeless Children in America
America's Youngest Outcasts & Campaign to End Child Homelessness
Over 1.5 million American children are homeless each year. The National Center on Family Homelessness is launching a Campaign to End Child Homelessness to galvanize the public and political will to end this national crisis. Our goal is to ensure that not one child in the United States will be homeless for even one day.
Great report only as how they break down the information, and that there is someone out there looking a this. How is your state doing?
Yes, and we have separate bank accounts ;)
x
Used to work in a bank, under some circumstances...
they will waive the fees, as another poster said, call them and explain the situation. I would do this occasionally after looking over the person' s account and taking a few things into consideration. Overdraft protection, as stated before, is a great idea too. I keep a $400 to $500 cushion in my account; as far as I am concerned, when I only have that much in there I consider it $0. BTW, how can you not know when DH gets paid? Is he on commission or something? Good luck, call the bank, they should be able to help you.
Also at my bank if you have direct deposit
of your paychecks you can get a direct deposit advance on your check and that does get posted to your account immediately. Has saved my butt more than once! LOL
If you are serious contact the seller/bank- sm
and make an offer. How low they will go depends on how long they have been trying to sell, what they have invested in it. IF the previous owners owed a lot on it, the bank will probably still want fair market value. Years ago I thought about buy the house next door to my parents (about 3500 sq ft with a huge 2 car garage and an old pool that either needed to be filled in or total destroyed and redone), I went through it with the relator. The house was about 30 years old then, the previous owners and their 6 kids had basically destroyed it, burned/scratched up hardwood floors, broken doors, windows, etc. the kitchen was original from 1964 as were the bathrooms, etc. It needed lots of work, a new roof, you name it, it needed it. The bank would not take less than $200K-- I was not willing to spend that kind of money on a house that needed at least $100K worth of work on it. They eventually got some sucker to pay it though; and boy did they spend some cash on it. Looks great now and work about $400K at least, but they probably spent that much to fix it and buy it. --- one note of caution when you buy a forecloser though, I believe previous owner has a year to reclaim the property-- if they show up with back payments in hand, etc. they can take the house back from you, improvements and all and you do not get a penny back. So be subtle in your home improvements or wait a year to do anything major.
My bank has free on-line pay so I pay all
of them except 1 that I have to send in the paper account info on. I also like on-line paying because I can set up my payments in advance for the due date when the bills come in and don't forget to send something in.
New Bank Policy on Credit
I went to the bank today to apply for a new line of credit... they had this sign posted outside the door.
Check to see if your bank has any programs
Wachovia has a "way to save" account. Every time your use your debit card, they take $1 out of your checking account and put it in a savings account. We have been doing that for about a year now and have built up about $1500. It's nice because it's automatic and you don't even have to think about it.
I have 4 bank accts and pay no fees at all.
nm
"I ran over your mother in line at the bank
That was a cute game!
he did not handle money at his last job with a bank.
Just because a person has bad credit, does not mean he's dishonest. He did not bounce checks. He did not live beyond his means. He got caught in a layoff. It's a huge stretch from being jobless to embezzlement for crying out loud. There are many jobs at a bank that do not have anything to do with money.
The way things are going with this economy, some of you might be in this situation. I'll be sure to thumb my nose at you when you start wondering what happened.
Is there a debit card available where a bank
?
How can he check bank accounts
I have my own accounts, that is right, mine, not his. He is not allowed to see my accounts. I have more than him and I do what I please with MY money. I made, received,and had before our marriage so literally it is mine.
Overboard, 50 First Dates, Coming to America nm
nm
file garnishment on bank account
so it hits his account the same day he deposits pay checks (usually Friday).
Lawsuit! How to find a company's bank?
Ok, this is it and hope you can help me. I purchased a dinette suit 04/01/2006. The company said 4-6 weeks before delivery. Paid $640.93. I never got my furniture. I called, got very few calls back from them and finally decided last July after asking for my money back to file a lawsuit. The company did not answer the first filing in 45 days and then had to put in for a default. Just went to court today finally and got a default. By the way, the company did not appear in court!! Now I can go for a garnishment of the company with this documentation but do not have a clue as to where I would find out which bank this company does business with. If anyone able to give me any insight on this, I would appreciate it. Thanks.
no, nobody knows but the bank, they will cover checks you wrote
nm
Either the bank or Military Surplus store.
There would be only two reasons for me to run away from my home. One reason would be voluntarily, as in winning the lottery--hence the bank. The other would also be voluntary but there would be retribution involved--hence the Military Surplus store.
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