arrgh bounced a check

**ladykemma2** · 03-16-2010, 11:15 AM

aargh i bounced a check. it feels really weird (kinda feel stupid)because i haven't bounced a check in 20 years.

spent an hour at the bank with my ledger figgering out what happened and there it was in my ledger . forgot to subtract 181 walmart for groceries.

fortunately the damage was only one check bounced. whew. off to savings i go to rectify the situation. what an inconvenience.
i am human and make mistakes. this is why we have emergency funds.

**Josephhgoins** · 03-16-2010, 11:18 AM

oooh I hate that for you.

Been there and done that as well.

**nuisance26** · 03-16-2010, 12:15 PM

~I'm sorry that happened to you! We all do make mistakes and all we can do is try not to repeat them! Glad you got it sorted out.~

**Greebo** · 03-16-2010, 12:44 PM

Been there, done that, paid almost $250 in stupid tax (cascading bounces).

**krbshappy71** · 03-16-2010, 12:44 PM

Originally Posted by ladykemma2

aargh i bounced a check. it feels really weird (kinda feel stupid)because i haven't bounced a check in 20 years.

spent an hour at the bank with my ledger figgering out what happened and there it was in my ledger . forgot to subtract 181 walmart for groceries.

fortunately the damage was only one check bounced. whew. off to savings i go to rectify the situation. what an inconvenience.
i am human and make mistakes. this is why we have emergency funds.

I see in your signature you are mortgage free and debt free, you have made more AWESOME achievements than mistakes is what that tells me. No wonder you were bothered by the one item bouncing, in my mess I would have expected it.

Cheers to you.

**daughter of pearl** · 03-16-2010, 12:46 PM

Oh well, at least you caught it quickly! I barely use cheques for anything except rent anymore, maybe three or four times a year, so when I do write one, I have to be really conscious to remember it!

**frugalfriend** · 03-16-2010, 04:43 PM

We've all done it, don't be too hard on yourself . . .

QM · 03-16-2010, 04:47 PM

I've done that before. Give yourself a break and look to all of the other times you have been so careful. ((HUGS))

**Jilly** · 03-16-2010, 06:45 PM

I sure hope the bank or credit union you deal with gave you a courtesy credit and didn't charge you those astomonical fees given your history!! I work for a bank and they're usually pretty good at doing that if you ask, assuming you don't have a pattern of this activity (which you obviously don't!). Glad you caught it before it cascaded to a bigger loss.

**McD** · 03-16-2010, 06:58 PM

I hope they paid it for you instead of returning it to the payee. I would also ask for a refund or credit of the fee based on your account history. They should be willing to work with you.

Does your bank offer linking your checking account to a savings account as a means of overdraft courtesy? Ours does--it doesn't cost anything unless a transfer has to be made, then it's 3$, which beats the 34$ NSF/OD fee. I, of course, only recommend this if you have the willpower not to overdraw knowing that the savings cushion is here. I am pretty sure you have that willpower, based on your posts.

**porembam** · 03-16-2010, 07:01 PM

I hope like Mrs mcdowell that you asked the bank to cover it since you've been such a great customer!

**frugalfranny** · 03-17-2010, 12:18 AM

At least you caught it before it snowballed.............

live and learn..........

**Palooka** · 03-17-2010, 01:08 AM

We do what Mrs. McDowell said, but ours charges 7 bucks to kick it over to our checking...But yes, better than a 35 dollar fee!

This has saved us several times, to say the least.