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Something weird going on with the checking account...

March 13th, 2008 at 10:59 pm

I'm not great with numbers but can handle a checking account with no problems as long as I actually stay on top of it. But there's something going on with our account right now that I simply don't understand. If I check it online or call the automated number, the balance will be $XXX.XX. I find out what credits and debits there were, add deposits that don't show yet, subtract payments and such and get a new balance. So far so good. The next day or two days later, I call and get the balance and transactions again. But the numbers don't jive. The transactions that came through don't explain the balance. Does that make sense? I'm quite frustrated. Yesterday, the balance was over $1,300 and I made a $55 deposit last night after they were closed. Today I called and it's a little over $600 with only $400 some odd dollars in transactions coming through after the $1,300.

What am I missing, y'all?

I'm off tomorrow so I'm going in to talk to them about it. But I am puzzled and very frustrated!!

Thoughts on this?

Okay, I figured out part of it. The only other online banking I've done had the pending transactions right there on the main page with everything else and they were visible at a glance. I've gone months without any kind of online banking and am just getting into it again. I realized, while standing outside fretting over this, that there must be a link to those pending transactions so I looked and sure enough, the balance the bank shows is *after* those transactions. Whew! That explains most of it. The rest I'll figure out in the morning. My brain is fried from worrying over this!

1 Responses to “Something weird going on with the checking account...”

  1. merch Says:
    1205449629

    I would say it just has to do with the timing. Checks could take up to three days to clear.

    Good luck at the bank. They should be able to trck it down.

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