I found out the knowledge behind their banking/processing method. (Larget to Smallest) This is how they are able to attack you with Overdraft Fees!!!! Here's the link I promised you: http://www.laborlawt alk.com/showthread.p hp?t=104674
That's the ... By: bullrider025. on 10 Feb 12, 03:40:16 That's the feedback? that most all banks get.....
Tend to your? baby ... By: CSUM007. on 11 Jan 12, 12:33:07 Tend to your? baby !!!!!
There's a logical ... By: werhome1. on 14 Oct 11, 14:25:06 There's a logical reason for this. I'd rather my mortgage and car payments get made than my Dollar General Store purchase. ? Those payments are more important and the ramifications of major payments being returned are higher than a few fees.
and they want you ... By: blackkhakis. on 14 May 11, 05:44:01 and they want you to call in and ask for a refund on those fees you dont understand. so they add more money? back to your account, and they earn more interest off that money. that's what a bank is
why do the sporty ... By: sjj500. on 20 Sep 10, 20:29:43 why do the sporty and military? guys always get the girl?
no matter what ... By: ambyrjayded. on 31 Jan 10, 09:41:37 no matter what order they put it in, you still spent more than? you had.
Move to nevada if you want it differently.
NEVER trust the ... By: skot66. on 15 Oct 09, 18:26:42 NEVER trust the online bank ledger. ALWAYS reconcile your accounts in Quicken. DO NOT ATM yourself to death. Take? out cash for the week. Budget! The online bank ledger is false! If you read the small print ...they say they can bill the transactions in "any order that they choose"
But on the same ... By: bullrider025. on 10 Feb 12, 03:39:49 But on the same hand, if it is processing, then it should be taken? out of your available balance, as if it has cleared already. If that transaction is authorized and is showing on your account and your account is still positive at that time, then you will not recieve an OD fee.
Please just user a ... By: darlenebolding. on 15 Sep 11, 20:16:50 Please just user a check register? and keep a running balance like that if you do that you will not overdraw your account
when you use card ... By: mikebrandimarte. on 21 Jul 10, 05:31:42 when you use card its pending? and doesnt post in till the bank gets the sales draft and most large banls process larges to smallest if you want stuff to clear the way you want to go to a small bank or use cash
You are really ... By: joelserpentarius. on 22 Dec 11, 06:45:14 You are really attractive by-the-way...?
I have had many ... By: joelserpentarius. on 22 Dec 11, 06:40:01 I have had many experiences? just like this. I share your frustration.
ARE YOU SINGLE? ( ... By: mrtundra45. on 10 Dec 11, 00:47:49 ARE YOU SINGLE? (CROSSES? FINGERS)
bank of america has ... By: streetmagicstyle. on 04 Dec 11, 13:17:37 bank of america has the worst reputation of? any bank i ever heard of.
Thank you..the same ... By: nkj2146. on 27 Nov 11, 01:52:57 Thank you..the same thing happened to me and im gonna fight it in court. Although i had money and my account and the bank took money out my savings account saying they were helping me by taking my money to pay for items already paid for. They? emptied my checking and charger me for pendings tranactions a week prior when money was there to cover
since you're ... By: l337pwnage. on 20 Nov 11, 18:29:13 since you're already wasting money on? Netflix...watch Idiocracy...
Trust me. They know ... By: 1cambiamos. on 13 Nov 11, 03:53:32 Trust me. They know what will make you spend money.? Notice I said make you. As in, force you at their will. Think about all of the time and money people spend on
Funny, people blame ... By: 1cambiamos. on 13 Nov 11, 03:49:07 Funny, people blame everyone but the culprit. Ever heard of research and development departments? How? would you feel if you knew someone was consistently doing experiments on humans to make them respond to certain stimuli in an intended fashion. Basically what I'm saying is that they use science to make you spend money . People are being subliminally controlled.
First thing to ... By: 1cambiamos. on 13 Nov 11, 03:42:07 First thing to understand about a bank is that their statement is not your statement. You have to keep your own records using umm MS Excel. Nice program. People grow up and realize its not BOA but the marketing and advertising causing people to spend money when they dont need to. ADVERTISEMENTS. You know...buy this now, buy that now, stay in touch stay on the cutting edge. You're nobody is you don't? have this. Ohh its black Friday. Spend spend spend.
Just be glad you ... By: straightcleaner. on 07 Nov 11, 07:43:19 Just be glad you dont bank with TCF? and their 28.00 a day fee for EVERY DAY your negative. It can get pricey quick. that doesnt include overdraft fees.
bankers+lawyers+ ... By: kopellhinex. on 01 Nov 11, 12:37:43 bankers+lawyers+police+judge+politicians = DIRTY CAPITALIST SCAM PIGS.
BANKERS & DRUGLORDS screwed life & society in human history.
BURN THE BANKS. BURN DRUG LORDS ALIVE &? OCCUPY THE WORLD...!!!
BURN THE BANKS. BURN DRUG LORDS ALIVE & OCCUPY THE WORLD...!!!
"GOD dont SAVE the PIG CAPITALIST QUEEN"
SAVE the ANIMALS & NATURE. END THE DEBT.
how many movies ... By: motleyhar. on 28 Oct 11, 23:24:41 how many movies was this? chick watching to have a Netflix bill of $31 in 2009?
get on with? the ... By: RoseFolasade. on 27 Oct 11, 03:16:03 get on with? the point
BoA and WF are ... By: jplerwill. on 21 Oct 11, 05:57:17 BoA and WF are notorious for re sequencing purchases, they will put larger transactions before smaller ones, no matter? the time frame of purchases, thus creating multiple NSF on small transactions.
you're highly? ... By: unitaper. on 16 Oct 11, 03:10:34 you're highly? annoying
You have some very ... By: Jenab7. on 06 Oct 11, 19:21:15 You have some very important things to say, and we appreciate your efforts to say them in this video. But would it be too much trouble to ask you to rehearse your presentation, so that you know what to say on camera, and so that you can appear competent and composed while you say it? If you think you didn't do your best work on the first try, please? consider doing it over. Such a good message as yours should be given the benefit of a polished presentation that would arrest the viewer's interest.
No? muestres a tu ... By: rapblack2. on 01 Oct 11, 22:48:16 No? muestres a tu hijo en internet loca.
I say don't do the ... By: Foreshadow44. on 01 Oct 11, 20:59:17 I say don't do the overdraft protection just have your card denied. ?
That is the whole ... By: Foreshadow44. on 01 Oct 11, 20:58:04 That is the whole point of gaining customers for a bank and free checking. You will get overdrafted on your account so they want your account with them rather than another bank so when the situation you are describing occurs they can charge you. Your their bread and butter. So if you go to another bank you'll face the same charge just different bank due to the situation? you are describing. But that is the point, we all have those experiences, the fee should be like 10 dollars
Bank of America ... By: bnetx1. on 01 Oct 11, 14:47:17 Bank of America doesn't care about customers ALL they worry about is making money and screw all the customers, Do What We Ask You To Do & We Will Deny You No Matter What ALL We Want Is Your Money & Make Your Life Living Hell, They Are Pretty Much A Profit Making Corporation saying they are a bank, YOU KNOW ITS AMAZING WHAT THEY CAN DO IF THEY REALLY WANT TO ! ! SOUNDS LIKE THEY JUST WANT TO SEE IF YOU WILL FIGHT AND ARGUE ABOUT SITUATION ! ! ! I HAVE? HEARD THEIR NEW NAME IS BEND OVER AMERICA
all bank are the ... By: fizzytitanium. on 14 Sep 11, 18:01:20 all bank are the same shit, not only one bank,? others same shit
Here is a tip for ... By: buddybleau. on 11 Sep 11, 18:00:05 Here is a tip for you youngsters, Remember this all your life and make it a rule! Whenever you call someone, no matter who, always get a name and write it down! If they pass you on to someone else, again, get the name of that person.Once you have that name,they know you have them by the balls no matter what they do.Usually you will get better service. Make sure you let them know you are writing down their name. If? you can't spell it, ask them to spell it for you. Never forget to do this! Never!
Good? Vid. You ... By: oooshitman9. on 19 Aug 11, 07:44:56 Good? Vid. You are super cute...have a great day/night.
jdshunnybunny said ... By: muscle1923. on 16 Jun 11, 23:33:23 jdshunnybunny said it perfect, i get upset when i hear people say banks steal money, do you understand when you get an over draft fee, youre the one robbing yourself!!! balance your checkbook, keep track of your spending and what checks you have out and by doing that, you will NOT? get overdraft fees. It isnt rocket science people!! Bank is a business, for profit like anywhere else. If you cant manage your money then youll help the bank make more. Learn math and you wont get fees, simple as that!
So, I'm getting some bull spit overdraft fees. I check my online account every day to see what my husband and i spend and what our remaining balance is. With him being away, he can't see his balance without spend at least $3 at an ATM.. So he calls me to check...
This is completely BOGUS.
She's dancing around and making me forget my entire point.
@TheSmithArmyWife I ... By: InspiredYouViewer. on 20 Oct 11, 10:38:17 @TheSmithArmyWife I am sure you have done something about this since then, but I was in the Army, I had my loans? and savings with Navy Federal, and I had my banking and insurance through USAA. Bank of America specializes in fees. I had $4k in my bank one night, deposited that day, next morning -$700, they said it was a "network error of overdraft fees, and we will resolve the problem, give us 3-5 business days and your money will be back in there" that is BS!
None of the Dutch ... By: AngeliqueEU. on 08 Oct 11, 16:18:03 None of the Dutch banks (netherlands) has overdraft FEES- Fines ...
They will charge 12% interest on? the money you owe them ... standing in the Red!
(roodstaan)
Did know what to think when I heard all this ...
This drives people only into MORE problems they donīt need!!!
Bank of America ... By: Redpilldown. on 06 Oct 11, 03:13:44 Bank of America will be bankrupt by the? end of the month...get your cash out quick.
They are trying to stop people from withdrawing already.
/watch?v=aEx8fULxKZM
May I suggest that ... By: darlenebolding. on 15 Sep 11, 18:29:31 May I suggest that you use a check register and record every transaction that way you can keep a running balance because sometimes It takes merchants several days to process that transaction I know because I work for a major retailer so when you use your debit card or write a check record it in your check register right at that moment? and then you can tell what you have left even though it it may take whoever you made the purchases from a while to process the transactions.
you ask me. i think ... By: rwmtiger. on 21 Aug 11, 05:25:31 you ask me. i think this is just a big? scam on US. i never going use a bank ever again. they can bite me...
UK banks do the ... By: LPCLASSICAL. on 20 Jun 11, 08:54:14 UK banks do the same? thing - I made 2 store purchases on my debit card for about 5 pounds each - I was unaware that i was overdrawn and ended up payng about 100 pounds fees on those transactions - the moral - be careful!
Why the fuck do ... By: fooschnikens. on 29 May 11, 11:50:21 Why the fuck do they call it overdraft PROTECTION if they ALLOW you to overdraft and then hit you with tons of fees? How the fuck is that protection if they ALLOW you? to spend more than you have and then make a profit off of your mistake? PROTECTION would be if they prevented the transaction from going through so you didn't spend more than you have. They ought to call that shit "overdraft penalities" or "overdraft ass-raping."
You really need to ... By: fooschnikens. on 29 May 11, 11:36:20 You really need to shut the fuck up. You're probably one of those over-privileged rich white fuckers whose mommy and daddy helped put you through college and become a "success"? in the world. Guess what you condescending, mean-spirited piece of shit; people make mistakes. Is it really right that banks should be able to take advantage of people and put them in a severe financial bind just because they made a simple mistake? After you die and you're judged by god, enjoy hell!
Umm,? if I recall, ... By: fooschnikens. on 28 May 11, 17:32:23 Umm,? if I recall, never in history did banks automatically opt people the fuck into overdraft protection before there were debit cards. If you? wrote a check that you couldn't cover back then, IT BOUNCED. Therefore, if you make a purchase with a debit card that you can't cover, THE TRANSACTION SHOULD BE CANCELLED. Overdraft "protection" is a fucking scam and Bank of America is an unethical company, period. You should be ashamed of yourself for doing business with them.
instead of trying ... By: blackkhakis. on 14 May 11, 05:52:03 instead of trying to flip everything she said to you, attempt to understand what she is explaining to you. stop pestering customer support because you like to spend your hubbys money and go take that loud ass? to the park.
Since mid 2010, ... By: lokks707. on 28 Mar 11, 11:56:58 Since mid 2010, BOA's overdraft fee policy have changed for the better, by law. It's on BOA's website. If you don't have sufficient funds, your card will simply be declined on the spot without getting slapped with an overdraft fee(s). This new policy applies to ALL customers. Overdraft fees still apply to bounced checks and recurring payments. If you decide that you want to "opt-in", you can call them, but I think fees apply at that? point.
I love these ... By: fooschnikens. on 19 Feb 11, 07:19:58 I love these pompous pieces of shit who say: "It's your own fault for not reading the fine print dumbass!" To all of you condescending geniuses? out there: You're right, I didn't read the fine print. I just assumed, like a logical fucking human being, that if I didn't have sufficient funds in my account to pay for something with my debit card the register would reject the transaction. Why didn't paper checks just overdraft your account back in the day? Why did they bounce instead?
Do? not sleep ... By: elbagermaine. on 12 Jan 11, 07:03:59 Do? not sleep naughty women here benaughtyman.info
OMG the stupid bank ... By: weweallthewayhome. on 31 Dec 10, 07:41:31 OMG the stupid bank rep expects someone to believe that netflix sends in reciepts???? LOL you have to be shitting me...?
Do not depurate be? ... By: sdfgsdgsdfgsdg. on 01 Nov 10, 08:49:51 Do not depurate be? happy with naughty women **mworld5.info**
I would think a ... By: 25mtcowboy. on 05 Oct 10, 02:53:40 I would think a check register is in order......... No, debit cards are not immediate. It is determined by the MERCHANT when the money will leave your? account to the merchant. Keep track of your transactions, not that hard lol
Banks have already ... By: wndebu. on 06 Sep 10, 11:23:09 Banks have already gotten busted for processing pending charges by size not order recieved so this woman? is full of it. Thats why after aug 15 2010 they can't do it anymore.
when your swipe ... By: jdshunnybunny1. on 05 Sep 10, 00:56:25 when your swipe your check card as pinless it can take up to 3 business days to come out, it can be presented as an authorzation hold which means it will showup as processing but if the merchant dosnt collect funds it will fall off the account at close of? business day and be re-presented the following buiness day...a pin based transaction will come out right away...auth hold transactions that are postig wittt oher procssing post largest to smallest :) deposit agreement..read it...
You can resolve ... By: MafiaGal78. on 06 Aug 10, 02:20:58 You can resolve this issue by going to the website helpwithmybank. gov/ complaints/ index.html.
It has some spaces or it won't be allowed. You can get your money back in less than 72 hours? if your case is legit. Those thugs won't do anything for you. You need an outside agency.
Good luck.
Is that her kid in ... By: unytcommsys. on 27 Jul 10, 04:54:59 Is that her kid in the background. Just asking, seems to be what I kid? would do to get some attention.
Banks have now been ... By: FoodCubes. on 20 Jul 10, 07:11:00 Banks have now been banned from charging overdraft? fees without your approval. Do not sign up for "overdraft protection", otherwise, they will be able to fine you overdraft fees.
The first mistake ... By: niclovelykisses. on 13 Apr 10, 22:34:20 The first mistake you made is checking your account balance online. The account? balances online are not updated properly(I believe the bank does this on purpose)
The best way to keep up with your balance is to keep track of your balance the old fashion way(by writing down your transactions, keeping up with your balance by using a calculator and by keeping up with all your receipts) I'm doing this now and I haven't received any overdraft fees since.
thats bull shit, ... By: 1hat9uy. on 31 Mar 10, 02:08:23 thats bull shit, because when i called them they said merchant deciede the date of? charging, thats not true. Bank of America replace the charging!!!!! bs =P
Bank of America is ... By: AntacidForTheMind. on 13 Mar 10, 03:36:02 Bank of America is a scam. Any sane government would consider Bank of America manipulation of transaction dates as criminal? activities and shut them down. Don't bank of Bank of America. Open an account with your local credit union. As a credit union member, you will own a share of the credit union you bank with.
You got? a Pretty ... By: CSUM007. on 11 Jan 12, 12:34:28 You got? a Pretty Mouth and I know ur Hubby Loves that... Ummmmmm
I just? made some ... By: soinlove8306. on 29 Dec 11, 00:32:31 I just? made some boot camp videos too. Great videos, isn't it crazy how everyone is sick at first?
I LEAVE IN TWO ... By: mrswizkhalifa. on 15 Oct 11, 18:12:08 I LEAVE IN TWO DAYYYYYYYS? !
thumbs? up for ... By: hellsingorg2. on 27 Sep 11, 20:33:33 thumbs? up for hottness
benning beginning ... By: guitarhamster102. on 15 Sep 11, 23:17:40 benning beginning of next year. i'm not even 11B lol.?
I? leave in 20 days ... By: KingJeso. on 13 Sep 11, 19:08:12 I? leave in 20 days, this video helped out a lot. I shared it with my family and now they know what to expect, thank you!
i think something ... By: Saint102. on 07 Sep 11, 09:36:01 i think something to add for all of you leaving for BCT and are nervous about it is that no matter how physically or mentally strong you are before you leave your ds will find something wrong with you and you will get treated pretty shitty. just keep in mind what you are there for and what there job is. if you work hard you will be a soldier. you are there to learn and no matter how the ds? acts he knows that too. they build you from the ground up and it will make you stronger. good luck
Hi! Very ... By: crogers286army. on 06 Mar 11, 15:41:59 Hi! Very informative video...i just wanted to make sure I understood? you. You said that you were able to drive your husband to his AIT location? I leave in May so I wanted to know what my options are...also, was your husband allowed to bring his cell phone? I see videos of people with their cells. Anyway, thanks for the awesome video! :)
haha thanks I? ... By: groves1990. on 05 Jan 11, 15:57:28 haha thanks I? don't think i'll run into those kind of problems, i'm really excited about b eing in the army
I leave 20110110 ... By: groves1990. on 27 Dec 10, 16:04:02 I leave 20110110 for fort jackson HOOAH!!?
i leave in feb. So? ... By: 71889kay. on 21 Nov 10, 16:06:27 i leave in feb. So? ready!
6wks and I'm off to ... By: NaturalQuest. on 15 Nov 10, 02:22:16 6wks and I'm off to fort Jackson...can't wait!?
What do you mean ... By: DoyleVonFrankenstein. on 27 Jul 10, 12:45:14 What do you mean dental needs to be done before they go? - before they even leave for reception,? or while at reception?
she s cute....off ... By: 2stealthy1. on 03 Jul 10, 02:42:29 she s cute....off to benning in? a few weeks...can t wait...
i'm off to? Ft. ... By: Orbit915. on 29 Jun 10, 19:57:45 i'm off to? Ft. Jackson in 2 weeks.
verrrrrry hot.? By: bIakmatt. on 23 Mar 10, 23:21:46 verrrrrry hot.?
thanks so? much. ... By: britishgangsta101. on 21 Jan 10, 05:14:04 thanks so? much. This helped alot
He should be able ... By: TristanRenfroChick. on 21 Jan 10, 05:08:09 He should be able to get mail while he's at bct, his recruiter's probably messing around with you. You have to do all the paperwork at the 1st MSC (Mission Support Company) in one of the bases, it could take a week, give or take. It depends on where he's staying if you can live with him or not and base housing, you have to go to base and ask about that and they'll do their best to help you with everything.
Hope this helps you ^^?
You are WAYYYY to ... By: itsathrowdown. on 08 Jan 10, 05:01:22 You are WAYYYY to hot to be a soldier! Cudos! Im leavin? for Benning in 3 weeks.haha
my boyfriend said ... By: britishgangsta101. on 06 Jan 10, 18:10:45 my boyfriend said something about his recruiter saying he can't get mail in boot camp? Hes going to fort knox so I donno if that makes any difference?
Also...I'm curious what if I'm not his dependent and we get married later(which we will be) how long would it take? for the papers to process?and in the mean time would I not be able to live with him? oh and how do we establish base housing?
lol sorry for all the questions....and thanks in advance
very imformative .. ... By: Dutchessoblazed757. on 18 Nov 09, 20:47:07 very imformative ..thanks..alot ..?
Your Hella? Cute ... By: CSUM007. on 11 Jan 12, 12:31:35 Your Hella? Cute lets Hook up. what do you say ??? lol
hey my husband just ... By: RachealHerself. on 21 Mar 11, 18:53:23 hey my husband just signed up for the army and he leaves to fort sill september 19th.. can you have pets? once we get to base housing?
Thanks? your video ... By: Armywifedaizy. on 10 Apr 10, 08:07:51 Thanks? your video helpd =( i havent got threw my first deployment yet ? But everyone keeps telling me its hard,,
I'm an Army wife ... By: christinatron. on 25 Oct 09, 04:09:34 I'm an Army wife also. My husband is in Afghanistan right now and it's so hard!?
This is an intro video of what I'll be posting for you...
Information from a spouse's stand-point, sharing what I wish I would have known, useful links to Military info, and just plain support!
![Knowledge behind Bank of America\](http://i.ytimg.com/vi/kGaALhVFm6I/2.jpg "Knowledge behind Bank of America\")
![Re: Attack of the Overdraft Fees: Derek\](http://i.ytimg.com/vi/be6tadmFa4g/2.jpg "Re: Attack of the Overdraft Fees: Derek\")
Latest comments made on this video:
By: bullrider025. on 10 Feb 12, 03:40:16
That's the feedback? that most all banks get.....
By: CSUM007. on 11 Jan 12, 12:33:07
Tend to your? baby !!!!!
By: werhome1. on 14 Oct 11, 14:25:06
There's a logical reason for this. I'd rather my mortgage and car payments get made than my Dollar General Store purchase. ? Those payments are more important and the ramifications of major payments being returned are higher than a few fees.
By: blackkhakis. on 14 May 11, 05:44:01
and they want you to call in and ask for a refund on those fees you dont understand. so they add more money? back to your account, and they earn more interest off that money. that's what a bank is
By: sjj500. on 20 Sep 10, 20:29:43
why do the sporty and military? guys always get the girl?
By: ambyrjayded. on 31 Jan 10, 09:41:37
no matter what order they put it in, you still spent more than? you had. Move to nevada if you want it differently.
By: skot66. on 15 Oct 09, 18:26:42
NEVER trust the online bank ledger. ALWAYS reconcile your accounts in Quicken. DO NOT ATM yourself to death. Take? out cash for the week. Budget! The online bank ledger is false! If you read the small print ...they say they can bill the transactions in "any order that they choose"