confused

I am desperately trying to join this forum but am finding it a bit cumbersome and am having trouble figuring out where my posts are and if I have received any answers. I live in Florida and have several PDL's and am about to have a nervous breakdown. I finally got up the nerve to go to my bank today (Bank of America) and talk to a manager about having a deposit only. I got there at 4:01 and the bank was closed. I feel so stupid. My paycheck comes in on Friday and I will already be in the red. I have read some really good information on these forums and think that I have finally come to the right place