Religion and Ethics Forum

General Category => General Discussion => Topic started by: floo on October 11, 2016, 11:30:42 AM

Title: How often do you check your bank accounts?
Post by: floo on October 11, 2016, 11:30:42 AM: I am amazed some people rarely seem to check their accounts, and only realise there is a problem when the bank contacts them! I am probably a bit OTT about ours, but check all our accounts on-line daily.
Title: Re: How often do you check your bank accounts?
Post by: jeremyp on October 11, 2016, 01:27:38 PM: Quote from: Floo on October 11, 2016, 11:30:42 AM
I am amazed some people rarely seem to check their accounts, and only realise there is a problem when the bank contacts them! I am probably a bit OTT about ours, but check all our accounts on-line daily.

Maybe once a week. Before I had a banking app on my phone, I hardly ever bothered to check my account at all.
Title: Re: How often do you check your bank accounts?
Post by: floo on October 11, 2016, 01:30:43 PM: Quote from: jeremyp on October 11, 2016, 01:27:38 PM
Maybe once a week. Before I had a banking app on my phone, I hardly ever bothered to check my account at all.

Why?
Title: Re: How often do you check your bank accounts?
Post by: jeremyp on October 11, 2016, 01:34:00 PM: Quote from: Floo on October 11, 2016, 01:30:43 PM
Why?
Why what?
Title: Re: How often do you check your bank accounts?
Post by: floo on October 11, 2016, 01:35:48 PM: Quote from: jeremyp on October 11, 2016, 01:34:00 PM
Why what?

Why didn't you check them on a regular basis?
Title: Re: How often do you check your bank accounts?
Post by: jeremyp on October 11, 2016, 01:37:03 PM: Quote from: Floo on October 11, 2016, 01:35:48 PM
Why didn't you check them on a regular basis?
Because I couldn't be bothered.
Title: Re: How often do you check your bank accounts?
Post by: floo on October 11, 2016, 01:41:44 PM: Quote from: jeremyp on October 11, 2016, 01:37:03 PM
Because I couldn't be bothered.

Don't you think that was a bit silly?
Title: Re: How often do you check your bank accounts?
Post by: jeremyp on October 11, 2016, 01:45:18 PM: Quote from: Floo on October 11, 2016, 01:41:44 PM
Don't you think that was a bit silly?
Who cares? I got away with it.
Title: Re: How often do you check your bank accounts?
Post by: floo on October 11, 2016, 01:46:46 PM: Quote from: jeremyp on October 11, 2016, 01:45:18 PM
Who cares? I got away with it.

Lucky you!
Title: Re: How often do you check your bank accounts?
Post by: Hope on October 11, 2016, 05:38:04 PM: It depends on the time of year, which account(s) you're talking about, etc. I tend to check our family account 2 or 3 times a month, my own account once or twice a month, but then nearer Christmas and holiday times those checks are somewhat more frequent, especially as my wife tends to increase her queries about the state of our balance that much more often during those periods.

I then check the 4 railway accounts at least once a month - shortly before I have to give a financial report to the monthly board meeting, but as we now pay a lot more of our bills electronically (but not by SO or DD) I check one or more whenever I log in to pay a bill.
Title: Re: How often do you check your bank accounts?
Post by: Maeght on October 11, 2016, 06:51:33 PM: I never check in detail - if the total seems about right then fair enough. That was even the case when I was unemployed and short of cash. Why check everyday? Have you had problems before Floo?
Title: Re: How often do you check your bank accounts?
Post by: john on October 12, 2016, 09:56:28 AM: The development of internet banking has been a huge boon to me. Since retiring and downsizing my home I have a bit of money to play with for the first time in my life.

I check my accounts, using the internet, almost every day.

I have 5 separate bank accounts 2 of which are ISAs which pay me a small amount of interest each month (about £8 to £10) providing that I always have at least £2000 in them and pay in no less that £500 per month.

I sometimes have to take money out of one to pay for a holiday, unexpected bill or to lend one of my kids, etc. And then move money around for a few days to ensure I comply with restrictions in para 2.

One of my accounts is used solely for paying bills which vary from month to month. I get no interest at all on this account, so at the end of each month I transfer any surplus to the savings accounts. And then sometimes have to move it back quickly to cover an unexpected expense, like the clutch going in my sons car!!!!

Also I find that some of the direct debits I have to energy companies, Sky, EE, etc. sometimes try to sneak in an improper extra payment which is easily overlooked if you let the bastards get away with it.

It is all a bit complicated but allows me to maximize what I earn from my savings.

In any case being retired .... It helps to pass the time!!!
Title: Re: How often do you check your bank accounts?
Post by: Aruntraveller on October 12, 2016, 10:17:15 AM: I check our accounts once a week regularly.

I have to say the bank we use(the Coop) although having gone through a rough time and getting a lot of stick has always been very, very, good to me.

They have twice in the last 6 years spotted unusual transactions taking place that I would have missed between my weekly checks and got in touch with me immediately to check that I am not buying T-shirts in Canada.

Also when I have been overcharged for a mistake they made with a credit card - there was no quibble - money back and an amount for compensation.

If only Virginmedia were half so considerate with their customers. >:( Grrr.
Title: Re: How often do you check your bank accounts?
Post by: floo on October 12, 2016, 12:27:50 PM: Quote from: Maeght on October 11, 2016, 06:51:33 PM
I never check in detail - if the total seems about right then fair enough. That was even the case when I was unemployed and short of cash. Why check everyday? Have you had problems before Floo?

Because I am now in charge of our finances, on a day to day basis since my husband's illness in 2006. Maths and I don't get on, so I worry in case I have missed something, especially as there is a great deal of money in each account. If I am not sure of something I can ask our eldest girl to sort it out for me.