Terrible Tuesdays

So yeah, yesterday officially sucked.

Work was slow, Financial stress sucks, and I had to power clean the apartment before showing it to Jody last night.  Chris and I had just gotten home when my cell rang.  My step-mom was calling and let me know that my uncle Bill had passed away.  He went to bed on Monday night and didn't wake up yesterday morning. 

It's been a rough day and I get to go marching into TCF today and see if they are willing to do anything in regards to their new (unannounced) policy on how they process debits and credits.  They now process debits from largest to smallest each day.  So if you have 10 transactions and the last one (chronologically) would overdraft you you would have 1 NSF fee right?  WRONG!  You could have as many as 9.  As they process in descending *amounts* if the last transaction was the largest, you could have a number of smaller transactions that are each ringing up the NSF fee.  This is what happened to me.  I had *5* transactions under $10 that each got an NSF fee.  The phone bankers flat out told me that they do the transactions in descending order because it allows them to get more fees. (That's not something I'd admit to my customers even if it was true!).

As I have received no updated terms and conditions from the bank, for them to change their processing procedures would seem to be bad business practice (for the customers).  I know it's my fault for overdrafting, but having them stack the transaction deck to allow themselves to get more service charges is *not* my fault.

I figured out my budget today and realized that with that lovely bite missing from my account, I'm still negative with the one check that I have out.  It's "only" a $45 difference, but since the bank got over $160 for the NSF fees...if they reverse them (HAHAHAHAHA...yeah right), the check will clear painlessly and I can get groceries and gas.  Otherwise my car insurance check will be going boing boing boing...which isn't good.

I'm off to attempt to look like I'm working and to call TCF and see if they can reverse these fees.