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Message
re: Balancing your checkbook. Who doesn't do it?..
Posted on 10/8/08 at 1:14 pm to Black Gallagher
Posted on 10/8/08 at 1:14 pm to Black Gallagher
quote:
Sometimes the bank gives you extra money by mistake. Last week while checking my online statement I noticed a deposit that I did not make. I called the bank to tell them it was a mistake and not my money. They later called me back to get permission to debit that money from my account. They explained the mistake occured when a clerk accidentally forgot to close my account on her computer and deposited the next customer's deposit into my account
happened to me 3 weeks ago with Cap One
0
Posted on 10/8/08 at 1:24 pm to MrKennedy
I set up everything I can to pay auto against my credit card or checking account. There are still lots of little things each month that need a regular old check such as day care, misc grammer school stuff, friends/family, etc.
I learned my lesson the hard way about not watching all of your accounts closely. My house is set up on auto draft and I got a call this past November about a missed payment from a shemika with the mortgage company. I left her a message and said she was wrong after pulling up the account and saw that my last two house notes drafted from my 2nd checking account and posted like normal.
This kind of back and forth happened again a week later and she was more vocal in saying they were about to ding me on my credit report if I did not pay up.
Long story short I talked to a supervisor and what had happened was that back in July they credited my account with someone elses payment, so my account did not get drafted for that month. Now they had their paperwork straight and wanted their money. It's a shame they couldn't get someone with half a brain to tell me that up front.
I learned my lesson the hard way about not watching all of your accounts closely. My house is set up on auto draft and I got a call this past November about a missed payment from a shemika with the mortgage company. I left her a message and said she was wrong after pulling up the account and saw that my last two house notes drafted from my 2nd checking account and posted like normal.
This kind of back and forth happened again a week later and she was more vocal in saying they were about to ding me on my credit report if I did not pay up.
Long story short I talked to a supervisor and what had happened was that back in July they credited my account with someone elses payment, so my account did not get drafted for that month. Now they had their paperwork straight and wanted their money. It's a shame they couldn't get someone with half a brain to tell me that up front.
Posted on 10/8/08 at 2:07 pm to footballislife
quote:
I don't balance mine and you put the exact reason why I don't in your post.... It's all done for you online already.
I scroll the activity periodically and if there is anything I don't recognize I click on it. I would have picked up the same banking error you found using my method. Manually writing it in checkbook is archaic.
+1
Posted on 10/8/08 at 2:10 pm to Zilla
Balance my checkbook? pfft. Why do you think I went through all the trouble of acquiring a wife?
Posted on 10/8/08 at 2:55 pm to footballislife
We keep track of everything we take out our checking. Though we only actually write checks to pay rent.
At first it was because our credit union doesn't immediately post debit or credit transactions - so we had to keep track of it to keep from bouncing. But its actually turned out to be a great way to keep track of things. We use GNUCash, I can tell you how much we've spent on gas for the past year, how must was spent on groceries, etc.
We've also got a few hundred in our savings that gets transferred automatically and without a fee into our checking if something does bounce.
At first it was because our credit union doesn't immediately post debit or credit transactions - so we had to keep track of it to keep from bouncing. But its actually turned out to be a great way to keep track of things. We use GNUCash, I can tell you how much we've spent on gas for the past year, how must was spent on groceries, etc.
We've also got a few hundred in our savings that gets transferred automatically and without a fee into our checking if something does bounce.
This post was edited on 10/8/08 at 2:56 pm
Posted on 10/8/08 at 3:00 pm to Powerman
quote:
I never have less than 1500 in my checking account and check the transactions online religiously.
See I got an opposite view on that. Having a few hundred extra bucks in checking (or savings that automatically gets transferred) is good because I am fallible - but if its a $1500 dollar mistake, I know it isn't a mistake that I made - so I'd rather the account go into negative balance and then sort it out with the bank because its either their fault or fraud. .
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