Bank related PSA.
Since I’ve been working at the bank I’ve learned a little bit, and I’d like to offer you guys some advice. No, I’m not offering financial advice, I know fuck all about money and that stuff I could never live with the guilt if I were to cause you to lose your life’s savings.
Firstly, banks are tricky devils. Because of technological advances, checks are clearing – and bouncing – much quicker than they used to. A check you write in the morning, if deposited that day, can clear your account by the time you go to bed at night. Meaning, if you don’t have the funds in your account, your check bounces, then you get charged with NSF (non-sufficient funds) fees that you also don’t have in your account. (I don’t know what every bank charges but I think mine is between $30-40.) So, make sure when you write a check that you have the dollars in your account! Banks are making millions in NSF fees yearly because people (and I have been guilty of this myself) think they have a few days of leeway when they write a check so that it won’t be cleared until after a deposit is made. This isn’t always the case, so please be careful!
While on the subject of bounced checks. Stop writing checks when you have no money. I have to process this crap and it jams my sorter. That’s more of a personal gripe than anything of real importance. But really, think about it, you don’t want to keep letting the banks rape you in NSF fees do you? Also stop faking checks and other things that get filed with the return items I run every day. I hate them!
One more thing. I’ve noticed over the past few months that people like to create personalized checks with their family members, most notably their children, as the design. Why the hell would you do this?
Your check has your address on it, doesn’t it? Why would you want to have your kids face plastered all over a piece of paper with all of your personal information. Some creepy pedo now knows what your kid looks like and where they live. Stupid! I’ve seen checks with bridal parties and family photos, and to me it’s just dumb. It’s an invitation for weirdos.
I could see maybe having a picture of your pet. I know if I had a doggy or kitty I would probably want to show them off. But your kids?!?! Why?!?!
One more bit of check-related advice. Stop using them as napkins and then trying to put them through the washer. I swear I see some totally beat up checks, and it’s a bitch to run them through the machines, even when we put them in the special envelopes. They jam and get shredded up into bitty pieces and then I get all mad. Take care of your checks!
That’s all for me. I’ve been meaning to write this for a while and I’m glad I finally did! Sorry if I bored you. 
Love,
Miss Destiny
