djchameleon

I'll school you really quick on the banking system. It wasn't a problem of the bank not taking it out til three days later. It was the merchant not sending in the payment til three days later. You are supposed to balance your books with the banks books. It's called bank reconciliation.

A debit card is the same thing as using checks essentially. So you have to wait a few days for things to clear. It's a good idea to write down your balance before you make purchases and keep track of everything you purchase. Then wait five days and see if the your record matches up with your banks records. You get overcharge fees when the money is in there but another merchant hasn't sent in the payments yet. It's almost like imaginary money. That's when you get overcharged and the fees start to kick in for the bounced payments(checks).