Posted by Super-H-Mike on February 07, 2017 at 08:19:43 from (76.164.144.132):
I have seen several bank complaint posts here , and this is mine. I check my balances daily online for security and peace of mind. My bank closes at 6, and deposits made after 5 are put on next days business, ok fine with me. But, lets say I check my balance at 9 pm because I am expecting a couple of large checks to go through , and all is fine and dandy. No problem, go to bed and deal with it tomorrow. Then, when I check again the next day, the large checks have gone in, and put me negative, my overdraft protection has kicked in or maybe topped out and there could be some fees. This has happened more than once to me, and it seems unfair somehow. This is probably the computers settling accounts overnight correct ? At like 2 a.m. or something ? The bank is closed for business, but not really I guess. You can t make a deposit anyway. Yes, you can transfer money 24 hours a day, however I often have checks to deposit but just could not get there by 5. This is a small business account and auto transfer from personal funds makes accounting messy. Besides , I checked balances at like 9 p.m. and all was good. I have not looked into depositing checks by phone picture yet, maybe I should.
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