IBC Bank Watch your money, because it WILL disappear if you don't watch it!! Ripoff San Antonio Texas

Gary - it seems like a lot of this is of your own doing.

First, every bank (and I mean every bank) will not post Saturday deposits until the following business day. This is part of normal banking practice and included in your account's T&C's. Even big banks do this - you will experience this wherever you end up. Even if you deposit cash - it won't post until that Monday evening. In addition, any deposit received after a certain time (a lot of banks use 2PM as their standard) won't be reflected as a deposit until at a minimum the next day, even if the deposit is in cash. If it is an odd check or out of state, or a large check, expect a hold for up to five (5) days. Again, this is a standard T&C with every bank out there and part of banking regulations.

Next, banks can process checks before the deposits. Almost every bank does. It is listed (again) in the T&C's of your account. If you try to play the game of timing deposits before checks clear - you will lose that game. That's why you have the NSF problem.

Finally, there isn't enough information on the multiple accounts cited. I did have at one point have multiple accounts, until I started seeing how they were hitting my accounts. It wasn't enough to incur an NSF, but it was a sign that I needed to shut down one of the accounts sooner than I expected. If you had a debit card and the bank had a choice which account to debit, guess which account they'll hit? Again - you had the multiple accounts and gave them the opportunity to do this to you.

I have no dog in this fight. I only caution you in the future to really read the T&C's of your account; it will open your eyes and hopefully the game of timing your checks will end soon......