99%

Jonny and I spent about 3 hours on Sunday changing all our banking information over from Chase to BECU. I have been very careful about this transition, because we don't have a lot of extra money to play with, and I know that if we make an error, it's going to be pricey.

On Nov 7, USBank took our payment of $295 out of our Chase account. On Nov 8, they took $295 out of our BECU account, just for good measure. So then I got to spend time on the phone with US Bank (who can reverse their error, but will take 10 days to do it) and BECU (who kindly waived our NSF fee).

This morning I got up and checked our bank balances only to find that Bank of America (who told me on Monday that they couldn't start pulling our mortgage out of the new account until after November 25) had pulled our money out of BECU instead. Or had tried to, anyway, but there wasn't enough money there. So the mortgage payment was rejected and we got another NSF. So I had to call them, and they want BECU to fax them a document that states we got an NSF, and they will reimburse us in 5-10 business days, and I also need to call back to tell them where the mortgage money should come from, and do I need anything else? I totally lost it and said YES, I need to know WHY their rep told me the money would not come out of the new account immediately and then turned around and took it out of the new account. 

Maybe it was the way I was screaming at her, or maybe it was the way I was also crying while I screamed, but she offered me a $25 gift card to Target. Which placated me slightly. 

Which is sort of sad and ironic, since the whole impetus to change accounts was to demonstrate that we're tired of being cogs in the big corporate wheel. 

We're mad and we're not going to take it! We're -- ooooh, look, Target gift cards!