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    It Only Works If You’re The Fed

    | Portland, ME, USA |

    Customer: “Can I withdraw everything from my checking account?”

    Me: *processes transaction* “There you are. Is there anything else I can do for you today?”

    Customer: “Yeah, can you tell me my balance?”

    Me: “Well, after that transaction, your balance is $0.”

    Customer: “But I still have checks!”

    Me: “I’m sorry–”

    Customer: “I still have checks left in my checkbook, so I can still get money, right?”

    Me: “No, ma’am. You can only write out checks if you have that money available in your account.”

    Customer: “But I still have checks! Why would they give me so many hecks, then?!”

    Me: “So you have checks for when you do have money?”

    Customer: “Well, I’ll just write one out anyway!”

    Me: “You’ll be charged a $35 fee for overdrafting your account.”

    Customer: “I thought I had a free checking account. You’re going to charge me for using my free account?!”

    Me: “No, we charge you for spending money you don’t have.”

    Customer: “I’M NOT SPENDING MONEY, I’M WRITING A CHECK!”

    Me: “Have a good day, ma’am.”