I know this may sound mundane but having been going through
all of this PDL mess has made me go back to the basics of
balancing my check book the old fashioned way with a pen and
simple arithmatic.I had been using on line banking for many years
but I got complacent and simply used the balance in the computer to tell me how much money I had in my checking account.However once I got into the PDL mess I had to close my bank account and start over with a new bank which gave
me the opportunity to go back to the basics again.I still have a
long way to go with my own PDL mess but being persistant
and not letting anyone ach my bank account and
adding and deducting every little charge or credit has also helped.

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I use a modification between online and old fashioned. I keep copies in a certain place (checkbook, envelope, etc.) of any charges that have not yet gone through my bank account (ATM receipts, store receipts from ATM purchases, online bill pays, etc.). Then periodically (daily, weekly, etc.), I go online and check to see what has cleared. Anything remaining in my envelope (or whatever), gets deducted from the online balance to give me my actual balance.

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Wow,alias1958 exactly my tactic.I keep every receipt/charge
etc. until they clear.I am almost to the penny everytime I
strike a balance.The amazing part is there really is no time
involved with this "proceedure" just common sense.I am amazed also how technology alowed me to get lazy and
complacent.

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I check my accounts (bank and credit cards) every day I am at my computer at work, normally Monday - Friday. I check my regular monthly bills (power, water, insurance and cellular) every week or so. It helps me to keep my finances at the forefront of my mind every single day. I come into work an hour or so early and work through my lunch so I have that ability to work on "personal" stuff at my leisure.

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I check my account every single day...is that being **** or what. ops: ..just paranoid I guess (lol).

****Adult term removed - Jason

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I call it being smart and aware!

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i do both online and manual.. i still got into a mess but it usually works really well for me. I found i cannot trust the online alone as it takes time for some payments to post.

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I use it more to doublecheck myself and have made it a HABIT of being aware of exactly what I am spending each day. I check my banking before I even open up my Outlook email at work.

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me, too - i always know exactly what i am spending and what i need.

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I check my account out at least every few days. Our bank has an automated number where you can call and get all the checks, deposits and auto drafts that have come in, also any nsf checks.

I usually do this at night, when the hose is quiet and I can think! I then get my calendar, and notebook and write down which bill comes out of what paycheck, groceries, meds and extras. All of this I do the old fashioned way, instead of the computer--old dogs are hard to learn new tricks :lol:

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As long as you are alive, there's always hope

mag kano nalng ang pera ko sa bank?

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I balance my checkbook daily. I go through every check and check it off. I also have a spreadsheet for expenses and dates. I will never be in the PDL issue again.

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I created an Excel spreadsheet that I enter every transaction on. It calculates the balance for me. It's kind of combining the paper/pen with technology. If you want a copy of that spreadsheet...let me know. It's real easy to use. I have a TAB account and definitely don't want to mess that up!

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Hi. I balance my checkbook the old-fashioned way, and would love to have a copy of the spreadsheet you mentioned, brianr446.

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It is a great feeling that you get when you see people helping one another..that is what DCC is all about!!!

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mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com

how do iknow if i have money in an bank account

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