Truck payment posted to the wrong account
I woke up this morning, much earlier than usual thanks to Stacie’s alarm (she has to work today), and instead of doing work, I decided to log in to my online accounts to reconcile some financial information. Good thing I did!
I logged into my credit union’s site to see the balance on my truck loan. The first thing that popped out at me was the payment due showed about $888! I then scanned up to my savings account and saw that it had about $450 more than it should. Hmm, I wonder where the money went….
Unfortunately, the CU doesn’t open its doors this morning until 9:30am (it’s 8:30am right now), but I have to drive past there on my way back from Home Depot anyway. Hopefully I’ll get this straightened out with no penalties or dings against my credit.
UPDATE: I stopped off at the CU, walked up to what appeared to be the receptionist (never made it to a counter, and I’ve never actually been IN the CU before), and asked which way I should go. She asked what the problem was, I told her, and she said she could handle it right there. Oh, and they have a 7-day grace period, so it was good I checked the balance this morning.
She transferred the $450 payment from the savings to the truck loan in abut 30 seconds, I signed an authorization for the transfer and I was done! I don’t think it would have been that easy in a regular bank. I was literally in and out in under 3 minutes.