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
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 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, 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, 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 overdrew my account and ended up paying an extra 35 bucks for a 1.99 item. It was an application on the iPhone that is supposed to help me keep track of my money. FML
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
Today, and for the third time this week, my bank manager called me to tell me that my account is still overdrawn. He doesn't seem to understand that my wages always get paid at the end of the month. FML
Today, I found out that my parents are 28,000 dollars in debt and that my bank account has $27.17 in it. They took my money to help pay their debt. 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
Feel like sharing it with the other FML users?
Thanks, your FML was submitted, and will appear in the moderation queue soon!
Top comments
ImaginaryFoe 1
I've been there so I can say from experience that it is 100% your fault. If you had the cash, you should've dropped it into your account before cheques came in. Also, why didn't you just deposit $20? Then you'd at least have $60 in your pocket. If you've never overdrawn your account before, you could ask the bank to reverse the fees as a one-time courtesy.
kiwi00 0
Time to start hookin'.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (70)
pseudopanthers 0
Time to cancel with Bank Of America.
ulicksam 0
Unbelievable that anyone would say anything other than YDI.
lucy86 0
been there! try $300 in fees
x0cherriecrush 0
that happened to me before... ended up having to pay a total of 700 dollars to a bank over 15 dollars overdrawn... sorry to hear about ur unfortunate experience with a bank... I'm with a credit union now... maybe u should check into one
goaliemkl123 8
^ that wasn't a very good comeback
som_fml 0
Overdrawing doesn't sound like much of a "feature" to me. Usually, when you have no money in the account, it just says "insufficient funds" and you get to walk out of the store all embarrassed. Why would people want to pay so much money in fees just to avoid embarrassment?
aareavis 0
YDI. That didn't happen all at once. You should check your account regularly for any discrepancies and check your statements. If it was a check that did it, then you shouldn't have wrote it. If it was an automatic payment, you should have called the company and told them to not take it.
tuppencej777 0
How is this an FML? If you can't figure out how to balance a check book and keep track of your bank card purchases, it is your own fault.
MyLifeIsGreat_ha 0
well maybe if your werent poor this would have never happened..hahaha!!! FYL
Miss_Piggy 4
Been there OP! It sucks large! this is why I keep no $ in the bank!