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04/15/13

  07:59:00 am, by The Dreamer   , 523 words  
Categories: General, Home

Blast it, I missed a payment

I don't know if the stars were against me, the delays in timings at my bank or complacency in expecting everything to work, or something in particular about this time of year. Or, that I've been ignoring the nag screens up buy Quicken 2013...but, it has been general practice for me to only upgrade every 2-3 years, ever since I started with Microsoft Money 98.

The last version of Microsoft Money was "Plus" (AKA 2008), and its electronic capabilities would last at most 3 years, though it started ending sooner as banks stopped supporting it. Though oddly I have an account that only offers csv or ofc (the older Microsoft Money format) for downloads. The newer format OFX started appearing in 1999 with the rush towards Y2K, though the format was devised in 1997 (when I started with Microsoft Money 98)....by Microsoft, Quicken and Checkfree. Though Quicken uses a variant known as qfx.

But, a payment to a card was missed on Friday. >:-(

It had seemed lately that my bank was taking an extra day to update my balance to reflect the direct deposit of my pay, and occasionally the debits from their online bill payment service. Because I usually check all my accounts electronically first thing in my morning....Monday to Friday....(when I'm at home), and I will occasionally check once or twice on the weekend.... There was no activity reported on my account when I checked Friday morning (though there were errors in connecting the days before Friday... Just as two transactions that posted on Saturday to a credit card were missing from this mornings download, but included 4 transactions that posted on Sunday.)

Though it was my understanding the bill payment service pays the bill (a few days before the payment date, when they mail payments on my behalf. Or the day before when they pay my bill electronically. They also have the option to issue a check that drafts directly against my account, which they have done on occasion...such as when I use them to pay doctor bills.) and then debits my account first thing on the day that payment was to reach the biller.

April 12th was payday, and I had a number of bills that were to be paid that day. The total of bills that day, would amount to $17.35 more than my existing balance. But, it is also generally understood that my pay is also reflected first thing and before the debits of the day.

Though now that I think of it, I was told that this is how things were done at my bank in Ohio, and I just assumed that things worked that way now that I'm in Kansas.

Also in years past...with my previous bank account...there was a quirk in transaction downloads, which I presume was an artifact that the download has transactions time stamped in local time, but don't contain timezone information. Resulted in transactions appearing to occur early during standard time. Likely because the bank was headquartered in Indiana...so when Ohio is experiencing eastern daylight time, it is matched to Indiana's staying with central standard time all year. Though I guess moving to Kansas was what fixed that glitch....

:**:

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