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Thread: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    While I wouldn't stay at a bank who charged for debit card use if another bank was available who offered free debit cards, I hardly think $3/month is "price gouging".
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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    Quote Originally Posted by j-mac View Post
    So you refuse to answer my question, but want me to answer yours?

    j-mac
    Funny how you see the absurdity of such questions when they are asked of you
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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    Quote Originally Posted by American View Post
    Now if I was a liberal, I would say the only fair way is to charge a fee based on how much money you have in the bank.
    Maybe, but since you're a rightwinger, you have to post a straw man
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    Quote Originally Posted by teamosil View Post
    $3/month isn't that bad. The fees that I think are the bigger problem are the over the limit fees. It's one of those things where people think "I just won't exceed my limit" or "I don't feel sorry for the folks that get hit by those, they should just be more responsible", but the reality is quite different. The way they unpredictably hold checks for basically random amounts of time between 0 and 15 days, and debit/credit transactions you have sometimes don't appear on your account for weeks and whatnot make it very tricky to really avoid ever overdrawing your account unless you keep a buffer of a few thousand dollars in your account at all times. Many people can't afford to do that, and even for those who can, that money could be better used in at least an interest bearing account... And the fees they hit you with can be insane. They decide to hold your paycheck for 2 weeks all of a sudden one month and you could overdraw 10 times before you even notice that they held it...
    Something like that happened to me once, and it was either negligently or perhaps deliberately caused by the bank. They juggled the order in which various card purchases I made during the week were processed such that the one big purchase - made on a Friday - which caused the overdraft (this was my fault, btw, I failed to notice that an automatic debit started to go through a week earlier than it used to), was processed before about 10 small debit purchases (e.g. coffee, lunch) I'd made Monday-Friday of that same week. As a result, instead of one overdraft fee for about $35, I got hit with about ten of them (for a total of about $350). If they'd processed these charges in the order they actually occurred, they wouldn't have been able to screw me out of an extra $315. This is one of many reasons why I hate banks.

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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    Quote Originally Posted by tessaesque View Post
    While I wouldn't stay at a bank who charged for debit card use if another bank was available who offered free debit cards, I hardly think $3/month is "price gouging".
    The term "price gouging" is defined by the method of extracting the money, and not the amount
    Quote Originally Posted by matchlight View Post
    Justice Thomas' opinions consistently contain precise, detailed constitutional analyses.
    Quote Originally Posted by jaeger19 View Post
    the vast majority of folks that need healthcare are on Medicare.. both rich and poor..

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    Re: Wells Fargo To Charge You 3 Bucks To Spend Your Own Money

    Quote Originally Posted by Aderleth View Post
    Something like that happened to me once, and it was either negligently or perhaps deliberately caused by the bank. They juggled the order in which various card purchases I made during the week were processed such that the one big purchase - made on a Friday - which caused the overdraft (this was my fault, btw, I failed to notice that an automatic debit started to go through a week earlier than it used to), was processed before about 10 small debit purchases (e.g. coffee, lunch) I'd made Monday-Friday of that same week. As a result, instead of one overdraft fee for about $35, I got hit with about ten of them (for a total of about $350). If they'd processed these charges in the order they actually occurred, they wouldn't have been able to screw me out of an extra $315. This is one of many reasons why I hate banks.
    I've faced similar problems, as well. Banks are pure evil.
    “In politics, stupidity is not a handicap.” -Napoleon

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