Who gave bank employees the day off?

[ForrestGump]

I just braved the highly un-bodacious weather we're having today -- high winds and rain (not a downpour, yet, but enough to make the roads dangerously slick and me wet on my motorcycle) -- so that I could deposit fundage sufficient to cover my rent and other bills, for which I've already either written the check or have automatic payments. The banks are closed! :grr:

They didn't even have the courtesy to let me know...just a note on the door (doors...I went to two different banks) that said "we're closed, motherf***ers..nyeh-nyeh," and it seems like plenty of other people were in the same boat as I, albeit transported on their pointless quest within the comfort and safety of cars.

And the checks I deposited on Friday or Saturday evening aren't cleared yet, or probably even touched, because of the holiday, so I'm just going to hold my breath and hope that nobody draws against my account until I can get money in tomorrow...those $23 fees for overdraft really suck, especially when I've actually got the money and especially when half of it's already sitting in their depository.

I thought it was unAmerican to have so much time off? Good for the bank employees -- I salute them -- but it undeniably sucks to go for a ride on a lovely day like today and risk almost certain death beneath the wheels of a superfluous SUV for a mission doomed from the start.

I'm going to deal with it like a true man would -- I'm in my PJs, I've got a spot of ice cream, and I'm going to watch a movie.

[LeftyMom]

1. I sure would have liked for my paycheck to clear today

It's my Dad's birthday and I can't get him anything until it does. :(

[ForrestGump]

7. On the bright side, nobody else can do anything, either,

so maybe you can sneak a purchase in under the wire. :-)

[LeftyMom]

10. I think I'll just make him some food

I was going to make cookies tonight anyhow. :)

[ForrestGump]

18. That would work for me!

:D

Speaking of which, I think my ice cream's thawed to the desired consistency now. Yum. :-)

[proud2BlibKansan]

2. It's the federal holiday

since New Years was on a Sunday.

[ForrestGump]

8. The Feds! Revenuers!

Dagnabbit...I shoulda knowed!!

[supernova]

3. Automatatic paycheck deposit rocks!

:7

Usually it's in there the afternoon before payday.

[ForrestGump]

9. My paychecks are unconventional, these days

:-)

But I think I might do it again with my next reg'lar job. :hi:

[supernova]

12. I'm just funnin' ya; I been there

more recently than I care to admit.

But yes, LiW is correct, since financial institutions weren't open, nothing probably happened on your account today. As long as you get to the bank by tomorrow for their AM business you should be OK.

:hi:

edit: spelling

[ForrestGump]

20. I'm glad you're not there any more

:hug:

Money isn't everything, or even close, but I don't agree with people who claim it's nothing -- try living without it, in today's world. The stress brought on by finances can be extremely bad for you...it's also one of the two prime factors in marriages failing. I'm finding myself, more and more, saying "it's only money" and not getting so stressed when I take a fiscal hit (living close to the edge for a while has probably helped, because anythign is better than nothing), but anyone who says money isn't anything probably never came close to being out on the street.

[supernova]

25. Living close to the edge v stability

This has been a recurrent theme in my life. :think:

I go through phases where I am all stable and Ms Responsibility. But I see the other side too and long for the artistic, edgy life. Because nothing is so creativity inducing as wondering what you might be able to afford off the 99-cent menu today. During my 2 year lay off I took up painting. Something that is more associated with my sister than me. But it was fun and I have another stress outlet, something I wouldn't have thought to do otherwise.

edit: All this to say, even though it's tough. Try to enjoy the experience while you have it. You're doing something many people only dream about doing. :hug: I guarantee you, for every office drone with a 401K and a steady paycheck, there's another one in the cube next door who wants to teach skydiving for a living, or sing opera, or train horses.

I know you're more than cab able so,

Carpe Diem!

[ForrestGump]

29. Thanks!

:D

You have a point. Though I could handle being more stable and still carping the diem and doing all sorts of exotic and artistic things. :-)

Anyway, as hard as it is to read the immediate future (for anyone, no matter how they think otherwise -- nothing ultimately, is stable: stochastic stuff happens), I think I'm well and truly backing away from the precipice now. Rock 'n' roll!!! :headbang:

[Left Is Write]

4. Don't worry.

Because the bank wasn't open today, no one would have been able to cash any checks you wrote, and automatic payments shouldn't get drafted either (my bank bill-paying system does not allow for autodrafts on Sundays or holidays).

[ForrestGump]

11. That would be most excellent...

Thanks. I think I'll be able to get the semolians in place before crisis time, because my landlord usually takes a few days to deposit checks (I hope he's true to that consistency now) and the money I dropped in there should be processed before the auto-payment thing kicks in, I hope.

All told, I'd rather be 'filthy' rich. :-)

[GOPisEvil]

5. Same with the Post Office!!!

Neither rain, nor snow, nor sleet nor dark of night shall keep the postman from his appointed rounds. But a holiday? Fuck off, you're on your own.

:sarcasm: Just in case our Federal employees don't get the joke.

[ForrestGump]

13. My mailbox, too (Mailboxes Etc)

is closed, and I'vve got a very important package....

I mean, a package to pick up. Not that my own isn't very important to me, of course.

[DS1]

6. Banks are scum

[supernova]

16. So, how's that stuffed mattress

in the basement working for ya?

[DS1]

19. They're just out to screw people out of their homes

Sort of like that other racket, auto insurance

[ForrestGump]

17. In general, yes, but

not in the league of certain insurance outlets.

I couldn't believe, when I was shopping around for a new bank, how awful the deal has become for the customer...everything is pay this, pay that, penalty here, penalty there, and exorbitant minimum balances. It never used to be quite this bad.

When I was getting tips, and again now that I'm generating more, I kept them in a box underneath my bed...literally. My paychecks went to the bank but my tips went under the bed, and four months' worth of them eventually proved enough to let me live and pay my bills and rent during a subsequent four months of unemployment. Cash, something I hadn't dealt with at all in year, still has its place.

[FuzzySlippers]

14. Really deal with it like a man.

Snuggle with this:



:P

[ForrestGump]

21. Now you're talking! But how will I break the news to

Gloria?

[Dangerously Amused]

27. Gloria?

...I think you've got to slow down before you start to blow it...

[ForrestGump]

30. Funny. That's what SHE says

:o

[MidwestMomma]

15. ATMs never get the day off

Those little Diebold devils work year round. :)

If you have a debit card, for future such fundage emergencies, you can always deposit thru the ATM and it it's cash, it deposits right away. (Everyone probably already knows that but I just found that out recently so thought I would share.)

I left work one day to drive to the bank and found out it was closed so I know how you feel. This was before I found out about ATM thing.

[ForrestGump]

22. I would have done that but -- and this is really weird --

in Nevada, ATMs don't accept deposits of any kind. Not my bank, anyway...not sure about the others. I've never seen that anywhere but Nevada; maybe it's got something to do with gambling, though I can't imagine how. Major inconvenience. They have a depository for checks -- it's made by Diebold :scared: -- but they advise not to submit cash that way and, besides, it's not credited to your account until the next time they're open and someone physically takes care of it.

Sucks... :-(

[Left Is Write]

33. With my bank, those deposits take even longer.

$100 is available right away, but the complete deposit doesn't process for 2-3 business days. When I deposit directly at the bank, it's the same business day.

After all...how does the ATM know you didn't put in an empty envelope and claim it contained $2000?

[ForrestGump]

35. My bank used to be the same, in California

Still, having $100 available right away was better than nothing. Always wondered what would happen if I put in an empty envelope. :-)

I could have skipped the country with my free $100!

[SOteric]

23. Obviously, it was the manufacturers of PJs and ice cream...

and possibly those Hollywood types.

[ForrestGump]

32. Darn them. And here I go, falling into their trap

Ahhhh..but what a trap: chocolate banana brownie ice cream.... :D

[Dangerously Amused]

24. Oh! Poor honey!

Standing there in those cold wet clothes. Why, you'll catch you death of a cold! Let's get those right off you...


BTW, if bad fortune causes your account to be overdrawn because the withdrawal occurred before the deposit to cover it took place on the same day, call your bank, tell them what happened and ask them to waive the fee. Usually they will. A banker friend of mine gave me this advice, and when I found myself in that unfortunate situation, it worked.

Good luck.

[cfield]

28. Exactly right

Credits are always supposed to post before debits! If you make a deposit at noon but made 3 withdrawals before 9 AM, your deposit should cover those withdrawals, as long as the depo went in on the same business day.
Do call the bank if there's an error, because it wouldn't be your fault!
(Just save your depo receipt so you can prove it was done on Tuesday's business day, rather than a later day.)

[ForrestGump]

36. Cool. That's good to know.

Thank you.

I am delivered... :-)

[ForrestGump]

34. Thank you, stickybuns

If it all goes south, I'll try that. Stupid, though, that I have to call my old branch in my old state to do anything like that (been meaning to switch home branches because the people here are nice and the people at my old branch were uniformly idiots). I never did understand banking systems in the US, and still don't -- way inferior and more cumbersome to those I've used even in developing nations.

Okay. Got my clothes off. What now? Aren't you s'posed to be pressing me to your breast, or perhaps pressing your breasts to me? Or something? :D

[cfield]

26. As a bank employee

I can tell you you do not have to worry about anything clearing before your deposit as long as your deposit is made before your bank's end of business day Tuesday. Any checks/withdrawals that would have come through today, can't, because there's no one there to process them. And, deposits always hit your account before debits so if you get there in the morning (or before the bank's business day ends) any debits that come out tomorrow will come out AFTER your deposit credits to the account.
Today is a federal holiday, and if the federal reserve is closed, banks are required to close.
I'm sorry you had to drive through such nasty weather just to get bad news, I'm glad you made it back home safe! I guess it doesn't help if you don't go to the bank very often, but most banks post their signs a week in advance; so they should have put their sign up last Tuesday when they got in after the Christmas holiday and took down the signs for being closed last Monday. And just think, two weeks from now, we're closed for MLK Jr Day. So, on the 16th, be prepared!
Does your bank have a night drop? Every one I've ever known has had one; it's a slot for dropping deposits after hours and the deposit goes directly into their vault to be retreived first thing the next morning and applied to your account.
I hope your ice cream and movie helped cheer you up. I'm sorry we weren't available to you; but I did get my house cleaned a little today!

Happy New Year and I hope the rest of 2006 is better than today!

[ForrestGump]

37. Thank you again!

Yep, I haven't been 'in person' to the bank for a while, so I missed the signs. I'll make sure to watch out for MLK Day!

I'm glad that you're taking advantage of the day off, before you get back into it all. I should be okay, by the sound of it (the stuff I deposited before is in the night drop), and I survived my trip...always a good thing! And, better yet, I had an excuse to hole up with my ice cream. :D

[mwooldri]

31. I did.

As ruler of the supreme Universe, I decided that lots of places in what you call Western Countries will have January 2nd, 2006 off from work.

Sorry can't help it that I decided that it was only "institutions" that got the day off.

Your Overlord.

Resuming control of this DU account to the mortal that owns this profile.

[ForrestGump]

38. When I Stick It To The Man, are you The Man I am sticking it to?

I sure hope so. :P

Evil overlords really suck.

[mwooldri]

39. Yep, I am da man. Depends on what you're sticking on me.

If it is a "I voted" sticker then I voted by mail and not in this country. Unfortunately my Lib Dem candidate was outvoted by the skin of her teeth by a Tory.

If it is a big stick you're sticking on me, make sure it's big and sticky.

And I am still an evil fundie overlord who has taken over this account.

(hehehe)

The Dark Overlord.

Returning you now back to regular service. (heck I am no good at roleplaying a dark evil overlord anyway!)