First Niagara Bank All Pottstown Branches of FNB the former Harleysville Bank I am a single parent of 2 children and every penny counts! This bank has systematicaly arranged the three direct deposits in my account so they could be considered over drafts, resulting in an avarage Pottstown, Pennsylvania

In my experience, the bank isn't the entity that "structures" direct deposits.  The bank is just the facilitator of said deposits.  For instance, if you set up your payroll deposit to go into an account, you give the payroll department your banking information, then the deposit is put into your account on whatever day of the month your employer pays you.

Banks cannot pick and choose how and when direct deposits hit the account.  It's the same way with automatic withdrawals.  The bank is merely the go-between for the company debiting the money. 

IMHO, it sounds like you need to contact whatever institution you are getting these death benefits from and ask them why there is a delay or difference in those deposits hitting the bank.

Ok, I'll admit I was hastey in my initial report. I have little time to sit on the computer to write everything down. I must state that I have a college degree and some graduate level training in Organizational Behavior and Psychology. That being said, I document everything and can prove with hard copy all that I have accused. Yes, the broad range between 10 and 20 thousand is evident here, however I use those numbers as a rounded number considering years, balance of investment initialy and lost people and paper work on the end of the bank when inquirig about the growth. As I said previous; I keep all papers and can establish wrong doig on the part of this financial institution.

PS. "Get a job?" hahaha REALLY?

If I had the 1000 dollar line of credit I could pay my bills on time and get back on my feet financialy
 - NO.NO.NO.  You can not get out of debt by taking on more debt...if you want a good example of this just look at the US Government.  So don't think that some magical $1000(or even $100) credit line will make all of your problems go away.

As for this report, your other problem is that you are relying on ATM for your balance.  As others have said you can not rely on these for various reasons.  The best thing you can do is maintain a WRITTEN register.  Writing down all of your transactions.  As well as reviewing their funds availability policy.  Because I would bet if you did you would realize that they are actually being consistant in the availability of your deposit.

The real interesting, and unrelated part, is that you said you are "missing" money, yet no one over there knows what you are talking about.  The strange part is that you don't even seem to know if it is 10K or 20K..that is quite a range to be unsure about.  For that it is an easy case of keeping all of your statements.  Because unless you go from one month with a balance of $20K(for example) and the next month you have $10K with no detail there would have to be something that shows where the money went.

"I went to the ATM in the grocery store to check my balance"

That balance did not reflect outstanding checks, service fees and debit transactions. Those outstanding transactions should be written in your check register and don't spend money until after deposited funds have become available. Here's another suggestion: GET A JOB.

Here's why....When you look at your account on the ATM, it shows your account as of that exact time, and not other checks you've written or debit charges that haven't cleared yet.

If your ATM balance showed $100 and you had written checks in the last day or two or used your debit card, that amount would not show up as it had not been cleared yet.

Use a check register and do NOT enter the ATM provided balance in it....you must add in your deposits and subtract your check and debit card activity yourself.

Does your city have a free service to help people manage their finances?

You could really use a little assistance....Good luck.