[bustello21]

Yes I like to know why is it, that banks takes longer to balance your checking account,then you do. If the creditor has already subtracted the monies out of your checking account why doesn't the bank have a record of that right away. Here I'm thinking I have more money then I thought because my bank is taking more than three day's to balance my account. In my opion their just trying to make money off overdraf fee's hoping you spend the money you don't have. Lmao. What a scam. Lol

[aliseaodo]

It's your responsibility to balance your own checkbook - not the banks. If you keep track of what is in your account, there should be no problem.

When you use your debit/credit card, sometimes there is a delay before it is reflected on your account, so YOU, as the account holder, need to be on top of the balancing.

If you have say, $200.00 in your account, and you write a check for a payment of $75.00, you KNOW that you can only use $125.00 out of your account, even though it will continue to show that you have a balance of $200.00 until the check clears. The bank doesn't know that you have written this check, YOU are responsible to keep track of your spending.

(Sometimes when you pay with a debit/credit card, the amount will be 'pending' on your account. Banks will normally show your 'balance', and your 'available balance'. Amounts that are pending are shown in the available balance amount.

EX: I have $200.00 in my account, I pay $75.00 to Amazon using my debit/credit card, my balance is shown as $200.00, but my AVAILABLE balance is shown as $125.00, because the $75.00 is still pending. Moral of the story is: Pay attention to your spending, or you will get fee's. It's nobody's responsibility but yours.)

[ScottGem]

First, this is not texting. We type in full words and sentences here.

Second, banks do NOT balance your checking accounts. That is your responsibility. Its up to you to know how much you have deposited and how much you have spent. There has ALWAYS been a lag time between when you write a check and its reflected in your balance. With debit cards and electronic transfers, that time has grown shorter. But its still necessary for YOU to manage your own money.

This is not a scam on the part of the banks. It's a failure on your part to properly manage your money.

[Fr_Chuck]

Banks do not "balance" they merely record deposits and withdraws. They have different systems and some checks take longer to clear, and if you use a debit card as a credit card it may take longer to clear.

It is never the banks job to keep it balanced, so you need to keep your own records and totals.