cha ching grrr

When I checked my account this morning a couple of transactions from Monday and Tuesday had posted.... along with a $68 overdraft fee.

I went to the bank to try to minimize the damage and change my savings account into an "overdraft protection" savings account. The lady there did remove one of the two overdraft fees from yesterday. I don't know why she could only remove one and not both or two of the ones from Tuesday.

I had forgotten about the trip to Taco Bell on Monday and the $40s of groceries I bought Tuesday. Even with the money I tried to have transfered on Wednesday (the 14th) I still would have been in an overdraft situation for those two items.

The good news is that the lunch I had yesterday didn't incur a $34 fee. I DID get a $34 refund for one of the transactions that went through yesterday. Also, I won't be hit with a bounced check fee from the feds.

As for the $102 overdraft fee for transactions that went through Tuesday, I'm still paying them apparently. BB&T processes the largest item first which of course is so rent checks etc get highest priority. The downside of that is that I was hit with 3 overdraft fees even though I had enough money to cover 2 of them. Practically speaking, in this instance there wasn't enough money in the account to cover the large check no matter what order the transactions were processed. The upshot of it is I was hit with the maximum fees possible for the 3 transactions.

This week the system is against me.