Today, I got a text from my bank saying that my chequing account is below the threshold amount, and that they will have to charge me if I don’t deposit money soon. 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 was overdrawn $15 at the bank. I paid in my last $80 in cash, only for them to inform me that I've been slapped with $90 in overdraft fees. 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 found out my bank charged me $50 for not having any money. Way to go bank, way to go. FML
Today, my bank overdrafted my account to pay a bill that isn't due until next month. When I called them, they said they would fix the mistake, but I have to restore the account to zero before they'll give me my money back. So, I have to pay for my own money with the money they won't give me. FML
Today, I have -$700 in my current account, $500 from overdraft fees because I spent money they told me I had. I don't get paid till the 15th and when I cash in my paycheck all of it will go to bringing me even. So the $9 I found in my wallet this morning will have to last me untill the 30th. FML
Today, the government froze my bank account for not paying college debt, and now I can't access my 0.30 cents. FML
Today, I tried to deposit a few cheques in the bank before they expired, and all I needed was the ATM. Little did I know that the bank changed their hours and now closes on the weekend. I’m busy during the week. FML
Today, I found out my bank account was in the negative because my work gave me a check that didn't clear. I went to my bank to get a statement of charges so my job could reimburse me. They told me requesting a statement costs 8 dollars, which I don't have because my account is in the negative. FML
Today, I told my friends that I’d cover dinner for my birthday. Five minutes later, my bank app hit me with a low-balance alert. Everyone had already picked their orders. FML
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Top comments
RichardPencil 32
That's because you have a fancy-ass "chequing" account. If you had a nice, honest, working man's "checking" account, there would be no minimum balance!
TwoBytesCarley 27
I just started receiving these texts too. Key word in the text says “if req’d”. Unless you’ve had a minimum balance requirement previously, then nothing has changed.
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Comments (5)
RichardPencil 32
That's because you have a fancy-ass "chequing" account. If you had a nice, honest, working man's "checking" account, there would be no minimum balance!
TwoBytesCarley 27
I just started receiving these texts too. Key word in the text says “if req’d”. Unless you’ve had a minimum balance requirement previously, then nothing has changed.
diraven 15
I think this must be the single most boring FML I've ever rea....zzzz
RichardPencil 32
Today, I was subjected to a widely-known bank policy. FML It's hard to get the righteous indignation revved up for this one, let alone stay awake through the entire story.
D J's MOM 17
get a new bank
rotflqtms_ 21
Back when I switched jobs to something that didn't have direct deposit, they gave me an ultimatum... Maintain a minimum balance of like 1.5k or get direct deposit. I called their bluff, took all my money out (was above the minimum, but I didn't wanna have to keep it that way all the time, especially if I wanted it in the savings account.) and joined a credit union that didn't require a minimum balance or direct deposit. Free checking! I now consistently can maintain that balance in a checking account, but my savings account t has higher interest, so it's kinda pointless to keep much of anything in the checking account. I try to keep no more than 500 in there after bills so I don't lose out on much interest dividends. Look around for credit unions that you can join. You may not need a minimum or a direct deposit for the one you find. Mine isn't based near me, so I have to do my deposits online only (give someone money and have them transfer to me, or get my money given to me electronically only.) but withrmdrawals are easy. I like mine and got very attached to it or I'd look for one based in my location.