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)
jsmn2010 0
must have bank of America.
jsmn2010 0
must have bank of America.
9astuar2 10
this is now considered usury and is extremely illegally, switch to a credit union, they're much better
amaya726 4
YDI for multiple reasons. 1) For not knowing how much money is in your bank account. 2) For spending beyond your means. 3) For not knowing what your bank policies and charges are. Personal finance is important, especially these days. Time to get a handle on it...
jerico616 14
Banks are EVIL!!! Go with a credit union. Most do not charge overdraft fees.
vcapelo 19
In Denmark there's no such fee :)
Randomer224 6
When I first saw this, I read it as "overdraft feces". Then I realised. -_____-
paprika_pilipili_fml 14
That's the bank system for you : totally evil.
bookwormgoddess 14
I work for a bank. We reverse fees unless you have already had too many. Why you might have so many is because most banks charge for each purchase that overdrew your account. I'm sorry this happened though. It sucks :(
randybryant799 21
I don't know why people are so surprised when they get overdraft fees. You're spending money you don't have. And the bank charges you for that. Don't spend what you don't have and you won't have a problem.