You Can’t Escape The (Over)Draft
On Monday morning, I get this call:
Caller: “There’s a $300 overdraft on my account! How did that get there?!”
Me: “Whatever you buy during the weekend does not get subtracted from your account until the next business day, which is today, Monday.”
Caller: “But I had money in my account on Friday!”
Me: “Ma’am, I am seeing your end-of-business-day balance, which is whatever you had in your account Friday after the processing cutoff. It was $86.”
Caller: “Yes! See?!”
I then confirm that her weekend purchases of a 120-dollar dinner, seventy-nine bucks in a club, and $200 at a fancy retail store are valid. They are.
Me: “Ma’am, if you knew you only had $86, you should not have spent so much money during the weekend.”
Caller: “It’s your fault for letting me spend so much money! You need to ensure that all overdraft fees be reimbursed because you should have stopped me from making those purchases!”