$50 unknown miscellaneous debit on online banking account, any advice on what it is?
Wednesday, June 24th, 2009
at
5:32 pm
MoonCalled6 asked:
Hello,
I was checking my online banking access a few minutes ago and noticed that there is a misc. debit in the amount of $50.00 listed that I have no idea what it is. It doesn’t list to where it is and I’m guessing it’s maybe some sort of bank fee. I’ve not made any withdrawals in two weeks and am worried that my account has been comprised somehow. I plan on calling the bank as soon as they re open after the holidays but I don’t know what to do until then.
Hello,
I was checking my online banking access a few minutes ago and noticed that there is a misc. debit in the amount of $50.00 listed that I have no idea what it is. It doesn’t list to where it is and I’m guessing it’s maybe some sort of bank fee. I’ve not made any withdrawals in two weeks and am worried that my account has been comprised somehow. I plan on calling the bank as soon as they re open after the holidays but I don’t know what to do until then.
I did make 2 separate deposits to that account yesterday but as far as I know, my bank has no fees for depositing over a certain amount or making more than one deposit on any given day. I’m the only one on the account and I’ve not misplaced the debit card or the checkbook, and I double checked every company (amazon.com, columbia house, various online bill pays, etc.) to make sure I wasn’t charged for something I didn’t order.
I just find it weird it’s for an even amount and listed as misc. debit. Any ideas? Thanks in advance!
Tagged with: Few Minutes • Holidays • Online Advice
Filed under: Online Banking
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a 50 buck bank fee would be quite outlandish.
I’d call them first thing Monday.
Can you look at your history and see if there is something similar? maybe some auto-payment you forgot about?
Auto bill pay? Blockbuster monthly account? Did you buy someone a 50 buck gift card or credit to Amazon or something?
Just throwing out some ideas…
The bank SHOULD have some 24/7 hotline for identify theft. You may want to call that if you can’t figure it out soon. If your account has been compromized, you don’t want to wait until monday. You could get cleaned out.
Could it be a dishonoured cheque or transfer of money fee? Keep a check on your account because it could be fraud, unlikely, but could be. If it is fraud, there are 24 hour numbers that you can phone. Do you have a credit card attached to the account? If you do, then definitely watch for fraud.
I would suggest you call the emergency number for stolen cards immediately. While I think that if it was a security breech, they would have probably taken you for the entire withdrawal limit, it is possible that someone was testing to see if they can get at the money. If that is the case, they will likely hit you up again for a larger amount over the holiday when the banks are closed.
I have had my account breached before and was told that this was how the thieves operate. (The sometimes first taking a small amount and then striking on a bank holiday, however $50 does seem a bit too small.) For caution’s sake, I would call the emergency number. It is quite possible that it is bank fees. The person you get on the phone would be able to tell you that.