Overdraft Protection
Posted By: LinK on 2007-04-18
In Reply to: which is worse. - Money problems.
I'm sorry to hear about your money troubles. That's happened to us before. The lifesaver for us is the overdraft that we have for our account. Of course you have to pay off the overdraft, but we never have to worry about bouncing checks.
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Beware of overdraft protection on debit card though
My son moved into his own place, actually sharing a house with a friend. He got his first checking account and was actually doing well with it. He actually didn't get any checks and just used his debit card. He and his roommate decided to get cable. Evidently my son signed up for it to be automatically deducted from his checking account, which he says he did not know. That was his responsibility and his mistake obviously. He should have known when they were going to ping his account. Unfortunately, he did not. They deducted for his cable bill, and then he thought he had more in his checking account and used his check card about 12 times in a 2 day time period.. like, for 1 soda for $1.49, or $5.00 of gas. All of these charges were allowed and were put through but then were charged a $30 fee for each. Finally on the third day, the card was declined and that same day he received the notice of overdrafts in the mail. Supposedly this is a service the bank offers, which I don't understand, in that they will process your debit like an overdraft and put it through, but then charge you. I totally understand how that is a good thing for checks, as you avoid getting the check charges and bounced checks through the merchants, but when you are using a debit card, shouldn't it just decline it if you don't have enough money in there? It would have tipped him off right away that there was a problem with his account, instead of racking up over $300 in overdraft fees. We've contacted the bank several times, but they will not budge saying that this is "service" they provide and it was explained in the paperwork he received when he opened his account.
Can You Get Overdraft on your account
This has more than saved my life. It's well worth it just for piece of mind in case something should happen and you absoutely have to use your checking account and you're a little short. I hope that that one penny won't screw you up. That would stink. Maybe the bank would be forgiving.
Overdraft and Debit Cards
Thank goodness at the bank we use, debit card deductions are the same as checks (I rarely use checks). The overdraft applies to those as well. Luckily I don't use the overdraft often, just glad to know it's there is I need it.
My antivirus protection is about to run out. Anybody got
any suggestions as to which are the best. I have Norton antivirus now. 
I have inside and out protection....
3 cats are inside and 1 is outside (neighbors) Never a mouse or rat problem here.
FIREWALL/VIRUS PROTECTION
I am going to check out this AVG; First I used Norton, then Norton changed and screwed up my computer (years ago) and then I used McAfee which worked well. Then McAfee changed and I got viruses. Then I got some Vaio computers with Norton. Norton was good. Then, Norton was terrible and five viruses later I changed to the one that comes with my internet service and is free which found 11 viruses and Spyware stuff that Norton could not "see". Then that failed and I got some viruses and now I finally got the unintall program for the free one (which took a week to get for some reason) and I am shopping too. What I want is one that works all the time, easy to use, and especially one that has English speaking 24/7/365 help available without 50- 100.00 dollar fees just to ask a question about the software for which I have already paid good money that is not functioning! This AVG, does it have English speaking persons? Do they help you for free or a small fee?
It is called Bankruptcy Protection for this reason
I'd make a personal appearance at the bank with a letter from your attorney if the money is desperately needed.
File for bankruptcy protection if you have equity in your home
dd
Sentinel. Heartworm and flea protection in one pill. nm
x
Order of protection, change locks and be prepared
x
Cancel the ID theft protection on your credit cards.
If you didn’t pay for it, you’re not liable for it.
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