Heh, oops. I hate the Canadian banking system, if I haven't mentioned it before. I deposited a money order on Saturday and figured I would be able to access that cash by Monday, Tuesday at the latest.
WRONG! In Canada, anything you put in the ABM is held for 5 business days, regardless. Why they can't install a button that says 'cash? cheque? money order?' to clear up the confusion is beyond me, but anyway, that's what they do instead. Except that my bank is particularly into New Math, because their '5 business days' lasts until next Tuesday. By my count, putting the MO in on Saturday means that the 5 biz days are Monday through Friday, not Tuesday through Tuesday, which is 7 business days.
Hmm. So anyway, I managed to plead $40 emergency money out of the teller, who gave me her card and said to call her the Monday after if I deposited another MO on the weekend. I thanked her and went to my usual Tuesday lunch with Steven, who offered to lend me some cash in the meantime. I said I could probably make it on $40, though it would suck a bit, and he insisted on lending me money. Of course, he totally overdid it and withdrew $200 for me. Yikes! Thanks, Steven, but I'm not going to spend THAT much in a week! I hope...
Anyway, it looks like Tuesdays are actually Predictable Tuesdays for me, cus we usually end up going to Mesa 14 for lunch, then I hit Kafein for internet access, and most times I also manage to get kaff to join me for coffee after work. I forgot to invite her today, but we should definitely get together with the chick who wants to do our layout. Ah, routine. I guess I don't mind it, so long as it's not every day of the week. Then again, I can't complain about the free lunch that has saved my ass many times.
And now it's time to find out where Baseball Fanatic's team plays on weekends, cus I should probably go find out whether or not he sucks as a pitcher.
WRONG! In Canada, anything you put in the ABM is held for 5 business days, regardless. Why they can't install a button that says 'cash? cheque? money order?' to clear up the confusion is beyond me, but anyway, that's what they do instead. Except that my bank is particularly into New Math, because their '5 business days' lasts until next Tuesday. By my count, putting the MO in on Saturday means that the 5 biz days are Monday through Friday, not Tuesday through Tuesday, which is 7 business days.
Hmm. So anyway, I managed to plead $40 emergency money out of the teller, who gave me her card and said to call her the Monday after if I deposited another MO on the weekend. I thanked her and went to my usual Tuesday lunch with Steven, who offered to lend me some cash in the meantime. I said I could probably make it on $40, though it would suck a bit, and he insisted on lending me money. Of course, he totally overdid it and withdrew $200 for me. Yikes! Thanks, Steven, but I'm not going to spend THAT much in a week! I hope...
Anyway, it looks like Tuesdays are actually Predictable Tuesdays for me, cus we usually end up going to Mesa 14 for lunch, then I hit Kafein for internet access, and most times I also manage to get kaff to join me for coffee after work. I forgot to invite her today, but we should definitely get together with the chick who wants to do our layout. Ah, routine. I guess I don't mind it, so long as it's not every day of the week. Then again, I can't complain about the free lunch that has saved my ass many times.
And now it's time to find out where Baseball Fanatic's team plays on weekends, cus I should probably go find out whether or not he sucks as a pitcher.
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here's a better example:
overdraft protection
A checking account feature in which a person has a line of credit to write checks for more than the actual account balance. Instead of getting charged about $25 for bouncing a check, overdraft protection will in effect provide the account holder with an instant loan. The interest rate will be extremely high, but if it is paid off quickly it is usually much less expensive than the bounced check fee. Some banks do charge a fee when an account balance falls below zero even if the account holder has overdraft protection, but it's still significantly less than the bounced check fee.
[Edited on Jul 13, 2005 4:37PM]
Credit Unions are WAY nicer to their customers and have lower fees.
ING has the highest savings interest rate in the country and you can do all sorts of banking via ABM and phone and online.
Check them out and tell HSBC to go fuck themselves. You'll thank yourself.