I too have been annoyed by bank errors but as long as I stay pleasant, polite but firm, my request has been corrected quickly. I wish we could convince you that keeping sums at home is a dangerous practice. I would like to point out that you are losing the convenience of paying bills on-line and using the direct deposit service for your income. I haven't done a face-to-face transaction at the bank in 8 months.
Did you know that banks ALWAYS take out debits before adding in credits? If you make a deposit into your account in the morning and some checks arrive electronically in the afternoon, the sums will be deducted Before the credit is added. That causes charges against your account that you would not have expected. For example, our bank will charge $25. for each NSF and the payee also charges a hefty fee which can put an account into a huge negative balance.
I attended a home safety conference and the police emphasized that the worst place to keep valuables was the master bedroom. That's the 1st place thieves ransack. If you plan to get a lock box, have it bolted to the floor or on a stud hidden in a cupboard.
Banks do place 'holds' on checks written on other banks let alone from out of town.
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