I had $50 in venmo, which I used to purchase groceries, because my bank account is currently negative.
Instead of using the $50 in my bank account, instead, a week later the $50 came out of my bank account, not touching the Venmo balance at all.
So now I have an overdraft fee, effectively meaning I paid 1.5 times for those groceries.
I don’t have “overdraft protection,” I’ve told my bank I don’t want overdrafts to go through, but fuck me for being poor I guess.
On capitol one 360 and first thing I did was turn off overdraft. Now if I purchase an item with my debit card for $100 but only have $99 in my account, it just rejects the transaction
I use a local bank. They’re very helpful and personable, and I don’t ever feel like they’re trying to scam me. I did have to decline the overdraft paper (it was opt-in not opt-out) and I don’t get NFC cards, but it’s totally worth it