Laziness Reigns Again
Aug. 23rd, 2007 07:07 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
livingdebI'm about to run out of checks, so I've been thinking of updating my bank account number as was recommended several years ago when my bank officially realized that re-using certain pre-existing numbers wasn't such a great idea after all.
First mission: find out how it actually works. Once when I requested a higher credit limit, they asked me if I would like to upgrade my credit card to something more metallic. I thought the answer was yes, but I was mistaken. By upgrade, they meant cancel my credit card with no warning and then issue me a new one with a new number. So, I feared it would be the same story here.
And so it is. They close one account and open a new one with a new number. There is no overlap except for the few seconds it takes to transfer the money over. Of course they don't know what your new number will be until the old account is gone. They recommend making payments manually for a while.
Um, no. I have given way too many evil people access to my account. The worst offender is a certain criminal justice system. I let them withdraw money monthly for an inmate to use. This is the only way to send money, and this is the only way they can get certain things, like medicinal V-8 juice (for a potassium deficiency). There are a lot of long stories here I'm not telling you, but the point is that if I tried to time the switchover, it would be just another excuse for them to screw this person. Not happening. This is going to be a problem for at least another year, maybe five.
Another bad offender is a certain financial institution whose name rhymes with mace and deface and which has the same first two letters as charlaton and charge, charge, charge. My mortgage was sold to them, and they actually let me pay it a week after the due date and then they backdate it so that no extra interest is charged and no fees are charged, just because it is paid automatically each month. Their fees are not something I want to risk paying, and I'd really rather not risk making two or three mortgage payments in a single month either. This is going to be a problem for another six years.
Meanwhile, I found two more partly used pads of checks from when I had two other kinds of checking accounts at this same bank. But it occurs to me that since these have the same routing number and the same account number as my current checks, they will still work. I physically brought them to the bank to confirm this, and even pointed out where another checking account type was written across the checks on one of the pads. They say these checks will still work properly.
Therefore, in conclusion, I will not be changing my checking account and I will not be ordering new checks. Woo hoo! And considering how often I write checks, well, they probably won't last six years. Oh, well.
First mission: find out how it actually works. Once when I requested a higher credit limit, they asked me if I would like to upgrade my credit card to something more metallic. I thought the answer was yes, but I was mistaken. By upgrade, they meant cancel my credit card with no warning and then issue me a new one with a new number. So, I feared it would be the same story here.
And so it is. They close one account and open a new one with a new number. There is no overlap except for the few seconds it takes to transfer the money over. Of course they don't know what your new number will be until the old account is gone. They recommend making payments manually for a while.
Um, no. I have given way too many evil people access to my account. The worst offender is a certain criminal justice system. I let them withdraw money monthly for an inmate to use. This is the only way to send money, and this is the only way they can get certain things, like medicinal V-8 juice (for a potassium deficiency). There are a lot of long stories here I'm not telling you, but the point is that if I tried to time the switchover, it would be just another excuse for them to screw this person. Not happening. This is going to be a problem for at least another year, maybe five.
Another bad offender is a certain financial institution whose name rhymes with mace and deface and which has the same first two letters as charlaton and charge, charge, charge. My mortgage was sold to them, and they actually let me pay it a week after the due date and then they backdate it so that no extra interest is charged and no fees are charged, just because it is paid automatically each month. Their fees are not something I want to risk paying, and I'd really rather not risk making two or three mortgage payments in a single month either. This is going to be a problem for another six years.
Meanwhile, I found two more partly used pads of checks from when I had two other kinds of checking accounts at this same bank. But it occurs to me that since these have the same routing number and the same account number as my current checks, they will still work. I physically brought them to the bank to confirm this, and even pointed out where another checking account type was written across the checks on one of the pads. They say these checks will still work properly.
Therefore, in conclusion, I will not be changing my checking account and I will not be ordering new checks. Woo hoo! And considering how often I write checks, well, they probably won't last six years. Oh, well.
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no subject
on 2007-08-24 05:41 am (UTC)no subject
on 2007-08-25 12:20 am (UTC)