![]() ![]() But i'm kinda nervous about depositing it even though today is the day to pay my phone bill. I have no money in my checking yet i have another paycheck i have't deposited yet (received from last Friday). I'm really confused and just waiting for the mail to come by if it ever comes. Now a month later, $731 is all gone and I only have a $1 left in my checking account. Example: My paycheck was $743 plus another $800+ paycheck. Note: I don't know if the paycheck is even the reason behind all of this yet the worker at Chase told me that it's no coincidence that this has to do with my bounced paycheck. The only solution one of them came up with is that one of my paychecks has insufficient funds and I may have to contact my work about the paycheck. well i don't know why it's exactly bounced and they don't either. I went to the bank, and they've told me that the only possibility is that my check has been bounced again due to. ![]() All was taken due to reason of "memo debit" which I have no idea what is it. Literally almost a month later, all of my money in my checking account is gone. Kinda ignored it since i hought my paycheck went through and I kept the mail too just in case. Same day, received a letter including a copy of the paycheck (substitute check) saying the first time depositing didn't work due to "unusable image". I deposit 2 paychecks to my checking account and everything went smooth. Next day, I deposit the check but this time through a bank teller. ![]() The issue was stated as "unusable image" and charged me a $12 fee for returned checks. Few days later, check didn't go through to the pics being "unreadable". End of April, I've just used my Chase app to deposit my checks through the app for the first time. I did get some help from my local bank (Chase) and apparently a letter will be delivered to my house to show the issue and how to resolve it. I just lost all my money in my checking account (around $700) due to a "memo debit".įirst of all, I would like to hear your guys onions/thoughts on what exactly it is. Test yourself: Not rich and wondering what it’ll take to build your wealth? Take this quiz for my wealth-building tips.So i'm gonna try to make this short as possible. The interactive package offers guidance for every life stage, whether you’re just starting out in your career or planning for retirement. Money moves for life: For a more sweeping overview of my timeless money advice, see Michelle Singletary’s Money Milestones. For those looking to get out of credit card debt, see if a balance transfer is right for you. It’s just a myth that it will boost your credit score. Even though it lowered my perfect 850 credit score and my column about it sparked some serious debate with readers, it was one of the best financial decisions I’ve made.Ĭredit card debt: If you’re in the habit of carrying credit card debt, stop. My mortgage payoff story: My husband and I paid off the house in the spring of 2023 thanks to making extra payments and taking advantage of a mortgage recast. If you have a personal finance question for Washington Post columnist Michelle Singletary, please call 1-855-ASK-POST (1-85). The best of Michelle Singletary on personal finance ![]()
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