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    This Is Why We’re In A Recession, Part 24

    | Chicago, IL, USA | Extra Stupid, Money

    (I get a call from a customer who is currently $50 overdrawn on her account.)

    Me: “Yes that is correct. Your account is overdrawn $50.”

    Caller: “What if I cashed one of my checks at the local currency exchange for $50, and came and deposited the cash to cover the overdraft?”

    Me: “Unfortunately you couldn’t do that, since that would bring your overdraft to $100.”

    Caller: “But the money will be coming from the currency exchange, not my bank account!”

    Me: “While the currency exchange is giving you the cash, that check will still be eventually drawn on your account here, thereby overdrawing you another $50.”

    Me: “But it’s NOT coming out of my account! It’ll be coming from the currency exchange, so I can cover my overdraft!”

    (Sadly, the conversation continues back and forth like this for several minutes until I simply tell her:)

    Me: “Whatever you do, DO NOT cash any more checks!”

    (This, she understands.)

    Related:
    This Is Why We’re In A Recession, Part 23
    This Is Why We’re In A Recession, Part 22
    This Is Why We’re In A Recession, Part 21
    This Is Why We’re In A Recession, Part 20
    This Is Why We’re In A Recession, Part 19
    This Is Why We’re In A Recession, Part 18
    This Is Why We’re In A Recession, Part 17
    This Is Why We’re In A Recession, Part 16
    This Is Why We’re In A Recession, Part 15
    This Is Why We’re In A Recession, Part 14
    This Is Why We’re In A Recession, Part 13
    This Is Why We’re In A Recession, Part 12