I did provide one. Now it’s up to you to provide a better one.
Oh, so they closed the negative account. Well that at least follows *some *form of logic, albeit very dumb. And don’t get me wrong, this is still very, very, stupid, but I was thinking your account was still active at the time. Anywho, you’d think a bank would be better at collecting money, and yet! “I’m sorry sir, we can’t accept the money that you owe us because you don’t have an account, and we won’t let you (re)open an account either because we are stupid.”
This boggles the mind, considering that banks get a percentage cut from the card processor (who gets it from the store) whenever you run your card somewhere.
Are you sure about that? I’ve never heard that.
As for the $2.50 charge, the reasoning I heard for that, years ago (when using a debit/PIN at stores first started) is that you’re essentially using an ATM not affiliated with your bank, so you’ll get charged just like you’d get charged for using the ‘wrong’ ATM.
(Warning: Flash/SWF file)
http://www.mastercard.com/us/merchant/swf/12111_ver_02.swf
(Warning: PDF)
It’s a little opaque, but the part that’s relevant to your bank is the interchange fee.
Your link is a discussion, it is not a cite. On top of that, many of the folks in that discussion disagree with you. Try again.
We did, but Bank of America stole it.
Regards,
Shodan
I found a fun one. It’s interactive! Linky
A Few Tips
1.Note the hyphen in “thirty-four” above. It is technically correct to hyphenate some numbers, but merchants don’t care when you’re writing a check. •Using a Hyphen
2.Do not use the word “and” after “hundred”
3.Avoid informal ways of saying things. Write “one thousand two hundred” instead of “twelve hundred”
4.Only write the dollar amount in words. For less than a dollar, use a fraction. If your number is 1234.59, write "one thousand two hundred thirty-four and 59/100
[/QUOTE]
Since both accounts were BofA, it seems quite pig-headed of them not to make a prompt correction.
When Citibank made an error against me, I began placing long-distance person-to-person calls to Walter Wriston, then their CEO. Naturally he never came to the phone, so I was never billed for any of these calls, but someone in his office had to answer to reject the call. When I persisted, she eventually realized cooperating with me would save her time.
(I was complaining to another Citibank unit by mail as well; eventually the faulty debit was credited back to me … TWICE ! 
)
(bolding added) It actually does solve the issue at hand though, doesn’t it? One account credited $1880, the other account debited $1880. Once they have done that, what more could they do? Your issue is then with the blind armless person who wrote that check with a pen clenched in his teeth.
No, the OP says that the business account was debited $1980.
That erases the bank’s theft, but they still haven’t completed the original transaction their customer requested, which their phone rep was able to read correctly.
One the debits and credits are good, the bank won’t care. They have two customers here, and they want to protect the business account also. Even if the business checks are written by drunk monkeys.
edit: Hell, especially if the business checks are written by drunk monkeys.
The business customer is the one they’re failing.
I don’t know about BoA, but Wells Fargo also has a similar app that lets you deposit checks just by snapping a picture of them and sending them the image. Their instructions are, once they’ve confirmed that they have received the picture of the check, is to write “Mobile Deposit” and the date across the face of the check and hold onto it for five business days. After that, you’re free to do what you want with it. Keep it in your records, shred it, whatever. They usually do credit your deposit right away, usually by the next morning, but they do suggest you hold onto it for five days, anyway.
Shakes, I agree with you. I was always taught that the “and” in a written check amount goes after the last whole dollar amount and before the ##/100 part for the cents.
Also… I’m so sorry so many people have had such terrible experiences with BoA. I’ve been with them since the day I turned 18 and they have always been extremely nice and helpful and convenient for me in every way I could possibly want. I think I may be one of the only happy BoA customers in existence (although RNATB seems to be happy enough with them too).
But yeah this is an egregious mistake and it’s ridiculous it is such a hassle for you.
If it’s not clear, I’m the business customer here, too. Well, I didn’t write the check (another signer on the account did), but that’s my account, too.
I understand. What I’m saying is that the account any check is written on is the “customer” for a particular transaction. The bank’s customer has requested thus-and-such transaction. Refunding back to the drawn-on account means that transaction still isn’t accomplished.
Wow, what a cite. It says nothing about grammar, doesnt claim to be an authority on grammar, and is primarily giving advice on how to avoid confusion on a check.
Give it up already.
Again
Now, perhaps we can get back to the topic at hand: why BofA sucks so hard.