Does anyone understand banking practices? - Page 2

Clodfobble · 04-02-2006, 11:56 AM

Quote:

Originally Posted by Beestie

Online banking is a myth. What you see when you log onto your account is a copy of the actual account data sent to a web server - you are not logging into your actual account. Most "online banking" sites do not include balances - only transactions and the transactions are usually delayed by as long as 3 days.

I dunno about real banks, I guess. I use my credit union for everything--checking/savings, two credit cards, the mortgage, and a car loan--and they encourage you to do everything through the credit union's website. If I go make a deposit in person, my online web balance is up-to-date by the time I get home...

Beestie · 04-02-2006, 12:17 PM

Quote:

Originally Posted by Clodfobble

I dunno about real banks, I guess. I use my credit union for everything--checking/savings, two credit cards, the mortgage, and a car loan--and they encourage you to do everything through the credit union's website. If I go make a deposit in person, my online web balance is up-to-date by the time I get home...

Yep - forgot to mention that credit unions are an exception. I'm not sure of the exact reason but I don't know of any bank that allows direct access to live account data.

TiddyBaby · 04-02-2006, 12:20 PM

Im curious if Beesties suggestion worked out.
I would do it.

When, (i assume the situation is) you live paycheck by paycheck... there usually is the "3 day rule"...

Like the man said, if possible, keep hard copy when things seem to get close to the line.

When I move monies around via the net, (deposits, payments, auto billing, stock transfers) ... I keep a daily lookout.

I hope ya get equitable compensation for fines and penalties.

(you can also use screen capturing software to get pics of your on line confirmations, ..... if the "File: save as: web archive single page hmt" won't save your internet page.)

monster · 04-02-2006, 10:47 PM

I still say call them up, argue the toss, and I bet they'll waive it.

wolf · 04-04-2006, 01:20 AM

If I didn't have to make car payments, I'd be cashing my checks, buying precious metals and burying it in the backyard.

I'm working towards that goal, however.

xoxoxoBruce · 04-04-2006, 02:24 AM

Good plan, Wolf. Of course the fly in the ointment is Hello Kitty........and ammo.

skysidhe · 04-06-2006, 11:38 AM

Sorry to hear about that fellow cowgirl wannabe marichiko

I too am going through bounched checks because of a failed deposit.

I feel for ya.

04-02-2006, 10:47 PM	#19
monster I hear them call the tide Join Date: Dec 2005 Location: Perpetual Chaos Posts: 30,852	I still say call them up, argue the toss, and I bet they'll waive it. __________________ The most difficult thing is the decision to act, the rest is merely tenacity Amelia Earhart

04-04-2006, 01:20 AM	#20
wolf lobber of scimitars Join Date: Jul 2001 Location: Phila Burbs Posts: 20,774	If I didn't have to make car payments, I'd be cashing my checks, buying precious metals and burying it in the backyard. I'm working towards that goal, however. __________________ wolf eht htiw og "Conspiracies are the norm, not the exception." --G. Edward Griffin The Creature from Jekyll Island High Priestess of the Church of the Whale Penis

04-04-2006, 02:24 AM	#21
xoxoxoBruce The future is unwritten Join Date: Oct 2002 Posts: 71,105	Good plan, Wolf. Of course the fly in the ointment is Hello Kitty........and ammo. __________________ The descent of man ~ Nixon, Friedman, Reagan, Trump.

04-02-2006, 12:20 PM	#18
TiddyBaby The internet's like a bra, underneath ya find a boob or two Join Date: Apr 2006 Location: Fl Posts: 326	Im curious if Beesties suggestion worked out. I would do it. When, (i assume the situation is) you live paycheck by paycheck... there usually is the "3 day rule"... Like the man said, if possible, keep hard copy when things seem to get close to the line. When I move monies around via the net, (deposits, payments, auto billing, stock transfers) ... I keep a daily lookout. I hope ya get equitable compensation for fines and penalties. (you can also use screen capturing software to get pics of your on line confirmations, ..... if the "File: save as: web archive single page hmt" won't save your internet page.)

04-06-2006, 11:38 AM	#22
skysidhe ~~Life is either a daring adventure or nothing.~~ Join Date: Apr 2006 Posts: 6,828	Sorry to hear about that fellow cowgirl wannabe marichiko I too am going through bounched checks because of a failed deposit. I feel for ya.

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