Co op Account

zoe2008

!!!!! !!!!! !!!!!
Just gone oevrdrawn on my cashminder account by £8.
Anyone knows what will happen.
Its the first time its happend.:mad:

buy_to_let_mistake

I just opened by Cashminder account and they did say on the telephone it is a three stike policy (Bounced DDs and overdraft). You wont be charged for going overdrawn. Mya be a good idea to call them to disucss this direct.

NekoZombie

If you can get down there before 15.00 and pay the £8 in, you'll be fine. Otherwise I suggest calling them and letting them know. If you know when you are next going have a credit to your account, also tell them about that. They'll probably be less worried if they know that a credit will hit the account soon.

zoe2008

Cheers NZ
I can put some money in today but not untill after 4 as im at work!!!!
As im using a postoffice and its an instant transfer do you think that will count????

k2nga

I dont think you will find that paying in at the post office is an instant transfer i was under the impression that the funds would not show until the next day? Sorry to offer up possibly bad news

philnicandamy

I was under the impression that any transaction credit/paying in at branch/post office etc etc after 3pm would be dealt with the next day....not sure how the instant transfer would work
best thing if you can is ring the co-op and see what they say

fiveyearplan

zoe2008 wrote: »

Cheers NZ
I can put some money in today but not untill after 4 as im at work!!!!
As im using a postoffice and its an instant transfer do you think that will count????

Cash goes in immediately if paid into the post office. Go to a cash machine straight after post office and you will see.

d123

fiveyearplan wrote: »

Cash goes in immediately if paid into the post office. Go to a cash machine straight after post office and you will see.

Definitely correct, any cash deposit over the counter at the Post Office is an instant credit. If you have internet banking check your account after depositing, it shows instantly and even shows the time to the minute of the deposit.

zoe2008

Its true
Paid money into my account at 4:12 over the counter in the post office and at 4:30 checked my on line account and there it was, all back in credit!!!
Hope they wont count this as a strike against me.
Thanks for all the advice guys and girls.
Zx

deedee_3

Might be worth giving them a ring and just let them know what happened.