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FRONT PAGE  |  1/20/2017
THURSDAY, SEP 24, 2009  |  1 comments
Hurry Up and Credit My Account
What is it with these banks that are so quick to hit you with a fee for spending more than you have in your checking account but take their own sweet time in crediting deposits?

My colleague Andrew Martin and I heard that complaint repeatedly from readers after we wrote about overdraft fees earlier this month. The angry questions happened to arrive as we approach the five-year anniversary of when the federal law known as Check 21 took effect. The law allows banks to turn paper checks into digital images and settle them electronically instead of shipping bags of paper around the country on airplanes.

Once banks embraced the new procedures, money disappeared from your account much faster when you wrote a check. But the old laws on how quickly banks must credit your account when you make a deposit did not change at all. They still haven’t. In fact, they haven’t changed in more than 20 years. ...


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www.nytimes.com

Why Should We Be Debt-Free?
  START  
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News Item9/24/09 12:01 PM
Neil | Tucson  Find all comments by Neil
Spendthrifts should steer clear of France, which has heavy penalties for bounced checks: Banking in France
I think they have a point - it is a form of theft, nes pas?
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