TD Bank Informative - I take RESPONSIBILITY for my actions.
I've been on this site for a little over 2 months now and have seen complaint after complaint about people moaning about banks and their insufficient funds fees and trying to blame the bank for their own mistakes.
I am a single guy, and use my debit card every once in a while. Unlike women who can carry around a huge purse around and can hold their whole life in their purse, I do not. So I do not keep a register on me to write down every single transaction, nor go I have the time, or the energy to even try.
Every morning, I log onto my bank site and check my balances in my accounts. Well, a few days a go, I transferred a large amount of money from my td bank account to my ING direct account. As some of you know, ING had a higher interest rate on their savings accounts.
I was doing some shopping yesterday, and through my shopping, the recent withdrawal of the funds to ING slipped my mind. I found an X Box game that I really really wanted, and thought I would treat myself to it. After I made the purchase and was on my way home, BING! The ING transfer popped in my head. DOH!
I get home and saw I was in a negative balance. My direct deposit was going in the next day so I just crossed my fingers and hoped it would go through before the insufficient funds fee popped in. Of course I checked this morning and although the direct deposit came in, the fee was there too.....
Do you hear me complaining to TD bank? No. Its not their fault, its mine. I'm thinking about calling TD bank today just to see if I could try to get the fee waived since Ive banked with them for a while. If not, I'm not going to be upset, Ill deal with the consequences. It was MY fault, no one elses. People need to realize this.