[moron4hire]

They also transact debits before credits, so if you realize you made a purchase that will overdraw you, you can't deposit money right away to avoid an overcharge. I've gotten hit with low balance fees for that with PNC. Yeah, no, not overcharge. They didn't like that I very briefly had $5 less than $2000 in the account.

They call it "maintenance". Like an account at $1995 needs some screws tightened or something. This isn't the 1920s. There isn't some clerk somewhere checking ledger sheets. It's all digital. It doesn't matter what value is in there. It's just a bit pattern.

In other "you have got to be fucking kidding me" moments, I once got charged a late payment fee on a loan that said I owed $0 that month because I had been making payments ahead for several months prior. Had a rainy day, needed some extra cash, figured since it said "you owe nothing this month" that meant I owed nothing that month. Apparently, buried deep in the promissory note, there is a term whereby I was required to pay a certain minimum every month, regardless of what the statement said.

They then used this as an excuse to jack up my interest rate. Aren't student loans grand?