Robert
Irvine,#2Consumer Comment
Sun, December 28, 2008
What does your Checkbook Register say? If your answer is that you don't keep one, then that is your problem. If you are relying on On-Line banking for your balance..Don't. The reason you can't rely on On-Line banking is because that only shows what the merchant has submitted. It can not account for Debit Card purchases that have been made but not submitted, it can not account for checks that you have written that have not been cashed. So what can you do. Don't spend any of the money from your deposits until it has POSTED to your account. When you make a purchase write it in your register and deduct it from your available balance immediatly. And one other major point, don't let your balance get below $0. If you do these things you will see the OD fees go away because you won't overdraw your account.