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Dear Chase Bank
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<blockquote data-quote="RED3" data-source="post: 6456519" data-attributes="member: 610788"><p>FDIC insurance is now $250K per account, the FDIC and Federal Reserve Bank are two entirely different government entities. Banks DO NOT overdraw anyone's checking accounts, the owners of the checking accounts spending MORE than what they have in the account causes an overdraft. Then the bank charges the OD/NSF fee because they have to spend time (aka $$$) to deal with the OD/NSF item(s), so that's why its best to NOT SPEND MORE THAN YOU HAVE your account. Fairly simple concept really. Going straight cash only is good until you want to buy something big, like a car, house, etc. No got 100 or 200K for the house, 20+k for a car, deal in cash only still= no credit history= no buy house or car in todays credit world.</p></blockquote><p></p>
[QUOTE="RED3, post: 6456519, member: 610788"] FDIC insurance is now $250K per account, the FDIC and Federal Reserve Bank are two entirely different government entities. Banks DO NOT overdraw anyone's checking accounts, the owners of the checking accounts spending MORE than what they have in the account causes an overdraft. Then the bank charges the OD/NSF fee because they have to spend time (aka $$$) to deal with the OD/NSF item(s), so that's why its best to NOT SPEND MORE THAN YOU HAVE your account. Fairly simple concept really. Going straight cash only is good until you want to buy something big, like a car, house, etc. No got 100 or 200K for the house, 20+k for a car, deal in cash only still= no credit history= no buy house or car in todays credit world. [/QUOTE]
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