The Snarky Banker

"Why didn't you call me to let me know this was happening?????" Because I am not your mama. If you are old enough to have a bank account, you are old enough to take care of it. Despite the common misconception that your bank will call you if something goes amiss, the truth is we don’t. Nor are we supposed to.  You are responsible for handling your account. That means keeping an eye on transactions to be sure they are yours and accurate, promptly reporting anything that's wrong and making sure you have enough money in your account to cover your debits. (For you civilians: debits are any transactions that take money from your account. These include checks (if you’re old school), debit card transactions, electronic payments and such).  How to keep an eye on your account - Let Me Count the Ways There are so many ways to monitor your account these days, you realistically have zero excuses not to.  If you’re Old School you can use the following tools: 

"I want a free account". Over the last 30 years I've trained myself not to roll my eyes when I hear this from a customer. Yeah, I know you want a free account. Everyone wants a free account. Even I want a free account. I mean how annoying is it to be charged to use your own money right? Why do you put your money in a bank? Because walking around with cash in the amount of your paycheck is unsafe,  amazingly inconvenient, and just stupid. Putting your money in a bank is super convenient. And with the magic of technology you don't even have to go to the bank to deposit money anymore. You can sit on your fat ass in front of your TV eating chips and binge watching 'This Is Us' while computers ensure your paycheck arrives on time in the correct account so you can go buy your Venti Mocha-chino with two extra shots on the way to your job tomorrow morning. You're welcome. Guess what. Those computers sending funds around the world and making sure you hav