GTE Federal Credit Union Changing Policies to collect $$ in fees Tampa, Florida

You didnt change banks fast enough, well good riddance to them anyway.

Heres what you couldve done to avoid them overdraft charges-

Whenever you expect things to come thru, and you dont have the funds in the acct, simply go to the atm machine at night, enter your card and pin, then tell it you want to make a deposit.  Then when it asks how much, just type in however much you need to cover all the crap that is gonna come thru.  Now heres the really fun part-  When it gives you the envelope to put your deposit in, simply "forget" to put any cash in the envelope!  Now you have funds for a few days until the retards at the bank realize the envelope was empty!  Hopefully by this time the bank will have cleared your real funds.

I used to do this alot in my college days and it saved me from ALOT of overdraft fees!  If the bank gives you any hassle, you have the option of saying "oh gee I mustve forgot!" or my favorite-accuse bank employees of theft!  They will have to launch an investigation and you will get FREE MONEY!

Now your probably still upset about the way this soon to be former bank did you, BUT you can still get a good laff out of it yet!  Go to THEIR deposit box at night, bag of feces in hand, and make your deposit! Even better and NASTIER, open up the slot, then just dump the feces in, straight out of the bag!  Now whenever you start feeling bitter about the way the credit union did ya, simply reflect back on your "dirty deed" and imagine them bank peeons trying to clean up all that feces out of all the intricacies of the night deposit box!  PRICELESS!

So is "rent" the magic word that tells the bank you want them to cash it instead of returning it if there are not enough funds available? 

Your Checking Account is NOT a line of credit.  If you don't have enough money available in your account they don't have to pay it.  It sounds like you have done this in the past, and they are probably getting tired of people who treat it as a line of credit.  If you want a line of credit then open up a credit card and link it to your checking account as Overdraft Protection.

Everything else you wrote is "fluff" and has nothing to do with you trying to pass what is in effect a bad check.  Yes intentionally writing a check when you know the money is not in the account is fraud.

There are other divorced single moms with 2 or more kids living paycheck to paycheck and they don't do this.  There are others who haven't had a raise in 5 years and don't need to do this.

If your direct deposit comes in later and you write a check knowing no money is there---well then there's always policies that will charge you fees.  The government made banks change their policies which you were notified in writing to have to approve if you were to be charged NSF to make the checks good.  If you write a lot of checks it's good to link a savings or credit card to your account as a back up funding source. 

You bank at and work for GTE Federal Credit Union or you are a Federal civil service employee??

Who is denying you "early" access to your money? I have had direct deposit for several years working for different companies. The credit union has no say over when the money is released to you. Your employer (or the payroll system your employer uses) releases the money to the bank or credit union.

I have had my pay credited to my account on payday (or if payday falls on a holiday the Friday or day before payday). I have also had my pay available a day before payday.

Talk to your employer about your financial problems. The credit union just makes the money available when your company releases it to them.

You claim you were ripped off by the credit union because they penalized you for writing a bad check. You haven't had a raise in 5 years, so you blame the credit union. That is totally irrational thinking.