What’s so difficult about keeping track of how much you have? This is the example I give customers all the time: You have $100 in your checking account (nothing pending). You use your card at Walgreens for $10, Gas $30, Burger King $10. You have to immediately subtract these transactions from the $100 that you have in the bank. You now have $50 available, even though your account shows you have the full $100. Merchants take their time in actually going into the bank and taking their money. We have no control over how long it takes them to come in and take their money.

It is not the banks responsibility to keep track of your money. If you call the bank after the prior example and you are told you have $100, you CANNOT go and spend that $100 because you know that you have to deduct the $50 that you spent that day. You many not see that $50 deduction taken from your account for 2 or more days but you can no longer count on that money.

Keep a small notebook with you or record the transactions in your cell phone at all times so that you don’t lose track.

The only thing that I have linked to my account is my direct deposti. I don’t have any automatic payments taken from my account because I know that companies don’t always withdraw their payments on the day that they are supposed to and they sometimes mess up on the amount. I pay all my bills with my bank’s Bill Pay and I control when the payment is sent.

It really is simple.

Sorry for the long post but I get calls like this daily screaming at me because the purchase at Walgreens was 4 days ago and it just now got deducted from their account and overdrew the account because the customer kept spending money. It’s not the bank’s fault.

I was also told that if I keep my money with One West they would give me a 2.25 - 10 month CD . Now One West said they cannot find that info attached to my account.

The manger I had problems with used the name Randy.

Be careful this was Indy Mac before it went under probably the same people working here.

Just sharing my unpleasant banking experience . Good luck everyone