INSUFFICIENT FUNDS (Bank of America).
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From: Anaheim Hills, CA (O.C.)
INSUFFICIENT FUNDS (Bank of America).
I've been getting hit with the "insufficient funds" fees via BofA almost 3 or 4 times this year due to not balancing my checkbook correctly.
Just curious, does anybody know what exactly happens with you get hit with this? As soon as i find out, i pay it off immediately, whatever the negative balance is..
Just curious, does anybody know what exactly happens with you get hit with this? As soon as i find out, i pay it off immediately, whatever the negative balance is..
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Joined: Mar 2004
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From: Seattle
yeh your ****ed, say hello to high interest rates for 5 years. Shouldnt have bought that last jack in the box......................
haha your cool, its just late fees and looks bad on ur personal bank record but no biggie
haha your cool, its just late fees and looks bad on ur personal bank record but no biggie
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Joined: May 2004
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From: Vienna, VA
usually things don't make it on your report unless you fail to pay something after 30-90 days, depending on the creditor.
You don't see stuff like what you have on credit reports. Nothing speaks about your ability to pay bills quite like your ability to actually pay bills. you have (I guess) so it's fine.
You don't see stuff like what you have on credit reports. Nothing speaks about your ability to pay bills quite like your ability to actually pay bills. you have (I guess) so it's fine.
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From: Fair Oaks
If you have the ability to get a Visa card through the bank, even one with a small line of credit, you can tie your checking account to that and have overdraft protection. Gets rid of a lot of fees and hassle. 
Joined: May 2002
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Originally Posted by FO2K,Oct 19 2005, 06:46 AM
If you have the ability to get a Visa card through the bank, even one with a small line of credit, you can tie your checking account to that and have overdraft protection. Gets rid of a lot of fees and hassle.
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Joined: Oct 2000
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From: Longmont, CO
Doesn't an NSF hit when you write a check for more than what's in your account?
Don't most stores charge an additional fee of their own on returned checks? And isn't writing hot checks illegal in most states?
Don't most stores charge an additional fee of their own on returned checks? And isn't writing hot checks illegal in most states?
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From: Irvine, SoCal
Most Credit Unions gave their members line of credit for Over-drafted Protections. The interest is high at around 15% or more, but it is still less than NSF fees and you do not have problems with merchants that have your bounced checks.
Ask your BofA to see if they have Over-drafted Protection line of credit, or if you can tie your saving account to your checking account for Over-drafted Protection.
Ask your BofA to see if they have Over-drafted Protection line of credit, or if you can tie your saving account to your checking account for Over-drafted Protection.
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