Please someone help.!?

Question

Ok I am a minor girl who has a checking bank account at Wachovia..well i got a letter in the mail that said i have an overdraft for $545.06...and the bad thing about it is I have Direct Deposit. But heres the thing can someone help me..I NEED this weeks check..BAD..but by me having an overdraft u kno the bank goin o automatically take my check right...but some one told me that if i go to the atm at twelve midnight and get my money out before buisness hours it would work.......Would It Really Work???

Answer 1

No, unfortunately you won't be able to get it at all. No matter what time you try, as soon as that money is put in your account it would pay your overdraft.

Answer 2

You are really getting off to a bad start in the world of banking.  Read some of the other postings here and see how bad it can get if you keep going this direction.  Soon you will find your checking account closed and no other bank will give you one.

You're just going to need to go on a financial diet until you get this overdraft straightened out.  Stop using checks and pay by cash until you get this under control.