My edit button expired, and this just wasn't worth it's own thread.
Since the majority of you are adults, I'm assuming you all know what negative numbers are. They are numbers that are less than zero. If you have them in your account, that is BAD. It means you spent more money than you really have and the bank picked up the tab. We're nice like that....but we will charge ya for it. You don't like the $30+ overdraft fee? Pay some fucking attention to your money, fuckwit. Unlike you, the bank is the last to know about any transactions you make. We find out about transactions when the area of business the transaction occurred at tells us and charges us, which can sometimes take up to several days. Yup, that's right. You could use your fancy little debit card on the fifth, when you have money for it, but if the place you used it at reports it on the tenth, that's when it will show up. And if you don't have the money on the tenth....well then you're shit out of luck, aren't you? Here's a debit card register; use it halfwit. Don't come in here bitching at us lady because you went purchase happy with your debit card AGAIN and spent more than you had. Just because it's not being declined doesn't mean you actually have the money, yanno. I mean....if you have $500 in your account and you spend $700 on various purchases, you will get increasing fees for every purchase that is in the negative. Why? Because we so kindly pay them for you, up to a certain point. It's not us taking the money out of your account, it's you spending more money than you've got, forcing us to pick up the tab, and then having us charge you for it. We can't take money out of your account unless it's a fee or an automatic debit, and even then, the debit must be made with your approval. So don't come in to us with your letter telling you about all the OD fees you incurred, telling us that WE took all that money out of your account. No sugar, that is YOUR money. YOUR ignorant ass spent it all and then some. You don't want to be charged several consecutive overdraft fees? Pay attention to your fucking money. It's not our job to monitor it for you-you're a grown ass fucking woman in her fifties who should know how to do basic subtraction by now. So fucking what you can't make your mortgage payment? It's not our fault and it's not our problem. YOU, with your attitude, is the problem, and don't you DARE give me that "You charged me because I'm black and you're white" bullshit, you goddamn cow. IT WAS BECAUSE YOU ARE AN IGNORANT ASSFUCK WHO THINKS THEY ARE OWED EVERYTHING. Fucking dipshit.