Yesterday was Payday! I announced my plans to buy a plane ticket to an out of town wedding for the cost of approximately $520. Since my primary bank account has decided to deny me debit card functionality for six months, whenever I order something online, I have to do a bank transfer. Not a regular bank transfer, mind you, but a physical taking money out of one bank and handing it to the other kind of transfer. It's much much faster that way.
Have you ever noticed that when the bank wants its money, it can get it whenever it wants, but when you want YOUR OWN money from the bank, there are delays?
The original plan was to go on my lunch break to the branch of my primary bank and take out $580 in cash and then walk in to the branch of my secondary bank. Alas, you can't take that much money out of an ATM and standing on lines at two banks was not my idea of a fun lunch hour. Also, I just really didn't feel comfortable walking around with all that money in my pocketbook. The way I walk to my secondary bank takes me through a parking garage and it would be the perfect place to mug someone in my opinion. I've never been mugged but I also don't often carry around $580 in cash.
So alas I just went to the second bank armed with a check made out to CASH.
Today I go to book my plane ticket using my debit card and find to my amazement that I don't have enough money in my account. What? How can this be so?
Despite my deposit of $580, the bank has decided to only credit my account $499 worth. According to the woman on the phone the rest should be available tomorrow. I had half a mind to walk to the bank again today and just deposit the $12 or so I need to buy the plane ticket, but I was too busy all day.
Also maybe the universe is telling me to wait until tomorrow to buy the plane ticket. Maybe it will be cheaper (cross fingers). Stupid bank robbers.