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F**K BANK OF AMERICA!!!!!!! - shaggycub [entries|archive|friends|userinfo]

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F**K BANK OF AMERICA!!!!!!! [May. 15th, 2009|03:54 pm]
[Current Location |1800 House]
[mood |enragedenraged]
[music |"Automatically Sunshine"- The Supremes]

F**K BANK OF AMERICA!!!!!!!!!!!!

I am so filled with rage right now.  White hot blinding rage.  I am unbelievably angry.  Apoplectic.

I just can't cope right now.

To start from the beginning.  A couple of weeks ago, due to my checkbook going AWOL, I had to close my checking account and open a new account.  That, in and of itself, was a PITA.  So, because I had a new checking account, I had to change my direct deposit.  Lovely.  This process takes time, apparently.  So I got paid with a live check this week, and probably my next pay period as well.  So I had to haul my carcass that 1.5 hours each way into work today, my day off.  I pick up my check.  I then take it to Bank of America to cash it, after which I plan to deposit the money into my account at People's Federal Savings Bank.

Once I get to Bank of America, the following happens.  The lady at the window asks me if I have an account there.  I say no.  She asks me why.  I want to tell her it's none of her damned business.  I tell her I have a credit union account (I do have one, in additional to my People's account.)  She then smugly proceeds to inform me that there is a $6 charge to cash a check drawn from one of their accounts for non account holders.  WTF?? I'm stunned.  I've never encountered this before.  Never.  Not even the 15 months that I was on unemployment and I cashed my checks there every week.  I tell her thank you, no.  Even though not cashing my check will ruin me, I can't bring myself to pay that extortion.  I politely take my paycheck back and walk out the door.  I'm filled with rage.  I'm muttering to myself on the street like a crazed homeless man.  Seriously, I looked like Patty Duke in that scene from Valley of the Dolls, walking down a studio back lot faked San Francisco muttering "Boobies Boobies Boobies".

I then take my check to my bank.  I deposit it.  The teller there tells me that since this check is an out of state check (it's drawn to the Bank of America in Atlanta) I now have to wait 5 BUSINESS DAYS for the funds from my paycheck to be made available to me.  AAAAAAAAAAAAAAAAAAAAAAAAARRRRRRRRRRRRRRRRRRRRRRRGGGGGGGGGGGGGGGGGGGGHHHHHHHHHHHHHHHHH!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


I have less than $100 to last me 7 days.  I have a $123.00 check out in the ether that's due to hit my account at any time.  I'm looking at a $20 overdraft fee when this check hits my account-not to mention the potential embarrassment of that check being declined.  I just want to cry.  I have cut off my nose to spite my face.

This has been the straw that breaks the camel's back for me.  I've been paying steadily rising banking fees over the years including hundreds, if not thousands, of ATM fees over the past 15-20 years.  I'm done.  I'm going to start leaving my debit card home more.  I might even go back to using checks for purchases.  I can't describe how upset I am right now.  There are no words.

[User Picture]From: ursomniac
2009-05-15 10:09 pm (UTC)

I ditched BofA years ago...

... for Wainwright. When they asked me WHY, I told them that I would be saving at LEAST $400/year in fees.

(Reply) (Thread)
[User Picture]From: shaggycub
2009-05-16 12:26 am (UTC)

Re: I ditched BofA years ago...

Thankfully, I never actually was a customer-but sadly, my employer's payroll uses them. I always avoided their ATMs like the plague but would use them if I had to. No more. I'd rather get charged my ATM fees by Sovereign or Wainwright than those douchebags.
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