It looks like you're using an Ad Blocker.
Please white-list or disable AboveTopSecret.com in your ad-blocking tool.
Some features of ATS will be disabled while you continue to use an ad-blocker.
reply to post by ObservingYou
I have no idea. But I do know that with my bank, Banner Bank, I have ordered something off Paypal before. It will try to withdraw money from the account, charging me $30, but somehow won't get the money. That has happened up to 3 times in a row with the same $2.00 charge before, running me $90 in fees.
This is a big issue, with the bad economy, I'm not able to afford that. So... I have two solutions that I am implementing. The first one is to save $50.00 and use that as a buffer, so basically treat $50.00 as a $00.00 balance. The second solution involves any overdraft being taken from my parents' bank accounts (with their permission).
That's the best I can do. Overdrafts suck because, for example, with Paypal - purchases from E-bay won't come in for a week or more, so using the electronic balance doesn't work. Also, services like Netflix, that are going to charge you randomly in the middle of the month -
Without keeping a paper copy of all of your balances in addition to the electronic bank balance, working on a small budget, overdrafting is an issue. I wish you luck.
We aren't the only ones who have trouble with this. At a recent board game night, all four of us happened to have had overdraft fees - a school teacher, a bouncer, a scientist and myself.edit on 27amWed, 27 Nov 2013 05:55:14 -0600kbamkAmerica/Chicago by darkbake because: (no reason given)
Anyone know of a mainstream banking entity that will allow me to stop all payments when my account is empty, for free?
Pay cash, bypass banks. If you need to send in hard bills, get a money order from a store. You will still save money on paying for the occassional MO than fees...