Today, I decided I would try this feature on my banking app which lets me deposit checks by sending a picture of it. The instructions say to rip the check after depositing. The deposit didn't work and now I've got a ripped up paycheck. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I went to deposit a check, only for them to accidentally deduct the whole thing from my account. I didn't notice this until I went to buy groceries, after the bank had closed. I'm in negative numbers and will get an overdraft charge by the time I can get it fixed. FML
Today, I got a call from my bank, saying that the cheque I deposited in my account bounced and my account is now -$2900. The cheque was from a work-at-home company, who asked me to deposit the cheque, then send them some of the money through Cash App to buy office supplies. They won’t answer their e-mails. FML
Today, I went to an ATM to see how much money I had in my account. I put the card in. It never gave it back. FML
Today, I was notified by my bank that the government stimulus check I had deposited last week had been returned. FML
Today, after calling my bank to see where my paycheck was, and waiting on hold for my entire lunch break, my boss told me she forgot to submit my deposit. I was relying on that money to pay for lunch today as I used all I had for bills. Looks like I eat tomorrow. FML
Today, I gave my mother a pre-prepared deposit envelope with my fortnightly wage in it, in cash. I tell her exactly where the deposit box is and what to do. I'm now desperately calling the bank because my mother accidentely put my $1200 deposit in the little trash can for receipts under the ATM. FML
Today, I withdrew €40 at the ATM to pay for dinner later tonight. It wasn't until I went to pay for it that I realized I'd taken the receipt, but left the cash in the ATM. FML
Today, I realized while paying bills on my phone I fat-fingered which credit card I was paying and sent 299 to a paid-off card instead of 200 to another one. Now I'm going to have overdraft fees too. FML
Today, after weeks of allowing my parents to borrow money, I got a check for $2000. I took it to the bank only to find out it was fake. FML
Today, my mother, who religiously checks her bank account after every purchase, then shreds her receipts, got fed up with me not doing the same. So she shredded all my piled up receipts. These include the 100s of dollars I had spent for my work, which I need the receipts to get reimbursed for. FML
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Top comments
maskedman 9
So we all know to rip the check after CONFIRMING the deposit was made. Thanks, FML.
Fluffydemise 18
Haha, checkmate. Banking app 1 Customer 0
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Comments (152)
CrookedCook 14
isn't there usually a confirmation notice for these kinds of process. the least u could have done was wait to see if it got deposited correctly.
vencku 13
Even if it said to rip it up, I would have waited for a confirmation if it was the first time I used a new app. Better hope your bank is understanding about it.
dontpanic_fml 32
The employer will issue a new check. Not a big deal, except it stinks waiting.
gunnerblaster 21
You're supposed to submit the photo of your check, retain the check for at least a weeks' time to ensure scenarios precisely like this one do not occur. I work for a Bank, so I would know. Not your fault, though - You should've been better informed by your Bank.
doodlecloud 27
Should've been better informed but still her fault for not using common sense. I hate that companies get the blame for stupid customers....that's why we have to have 'warning: may contain nuts' on packets of nuts nowadays...it's just ridiculous.
VeganVampyre 27
What bugs me is at the grocery store where I work, it's considered the cashier's fault if a customer leaves a bag behind. I'm sorry, I have other people to deal with, why can't you be a big boy/girl and think to look for YOUR items that you just paid for?! Common sense is going extinct, it's horrible.
chelseaaababyyy 17
Ouch. I would have kept it until I was sure it went through.
3rdbass 9
Gullibility? There's an app for that too.
pastispast 7
Haha owned by the smart phone. Next time on the safe side take go that extra mile and deposit your check personally at the bank. But again these days smart phones do everythig. Is there an APP for going back to undo the problem?
bestbelieve 9
Blonde moment?
iluvpeanutbutter 22
I can't believe the US even uses paychecks anymore. Even 3rd world countries use direct deposit these days.
ouibijou 15
I have direct deposit but I guess some people prefer to get checks still?
doodlecloud 27
I wasn't aware that that was the norm over there! Figured OPs situation was a one off. I too am surprised - I can't really see any benefits to using cheques, just seems really slow and dependent on losable, rippable bits of paper...
blackpuddle 30
My boyfriend uses paychecks because he's had direct deposit **** up on him too many times. OP could feel the same.
ChibiChibi_fml 28
Most places is in the U.S. still use cheques because they want the money to sit in the bank for as long as possible to earn up interest on it. They also want to make sure that the money doesn't leave too soon. I don't know if all places are the same but I do know that every time I have had direct deposit, I've been paid a night earlier than my coworkers without it. Pay day is on Friday but direct deposit goes through by ten or eleven at night on Thursday. My old bosses didn't offer direct deposit because every other payday, everything they gave out would bounce. They are still working on paying back the old employees for all the fees and such that occured.
doodlecloud 27
90 - How exactly does the direct deposit **** up on him? Genuinely curious. I don't I've ever had a problem before but then I've never really thought about it much before. And 94, why can't he just set it to go through on the Friday? O_o
Angelastic_fml 18
Yeah, it seems so anachronistic to have a smartphone alongside a cheque. I think my mum still used cheques back in the era of carphones, but not for regular things like pay.
EpicSquishii 21
You should have read reviews of the app first!!
accursedvenom 1
why wouldnt you make sure it worked first????