A Peak at Bank Account Balances

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SoCal78_IHB

SoCal78_IHB

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Today I had to stop at an ATM. I visited Wescom on Irvine Center Drive at Sand Canyon. I noticed a trash receptacle next to the machine and it was filled with people's receipts. (Why even print a receipt if you are just going to toss it away right there?)



Anyway, I decided to grab a handful and look to see what info they had regarding account balances. Here is what I found. Just some food for thought today to share with the IHB...



Listed in order with highest balances first:



1) Withdrawal from checking: $80

Ledger Balance: $17, 082.99



2) Withdrawal from savings: $200

Ledger Balance: $3,020.56



3) Deposit to checking: $402.98

Ledger Bal: $1,623.38



4) Withdrawal from checking: $40

Ledger Bal: $1,583.38



5) Deposit to checking: $765.16

Ledger Bal: $914.39



6) Withdrawal from checking: $200

Ledger Bal: $848.74



7) Withdrawal from savings: $20

Ledger Bal: $549.61



8) Deposit to checking: $300

Ledger Bal: $322.40



9) Deposit to checking: $23.56

Ledger Bal: $151.06



10) Deposit to checking: $125

Ledger Bal: $97.48



11) Deposit to checking: $20

Ledger Bal: $35.04



12) Balance Inquiry for savings -

Ledger Bal: $61.31

Available Bal: $60.31

Withddrawal from savings: $60

Ledger Bal: $1.31



13) Attempted withdrawal

Transaction declined. Contact bank.



14) Attempted withdrawal

Transaction declined. Contact bank.





-- SoCal78
 
I like #10 the best.



It's a good thing you didn't find mine. It would say something like withdrawal $40, balance $50. I rarely keep more than $200 in my credit union checking account.
 
[quote author="no_vaseline" date=1228121417]I think post 11 is my fav.



Really, what's the point?</blockquote>


I didn't post any of the <em>available </em>balances listed on the receipts - but on that one it's $25.50.



The one that caught my attention was #7. What kind of poor schlump needs to dip into his savings to withdraw a measley $20? His checking must be in pretty bad shape.
 
Its pretty common. Only a few high rollers. I purposely keep everything out of my hands, i'm too prone to spend it.... Keeping myself normalized keeps me out of trouble and better equipped.



-bix
 
[quote author="biscuitninja" date=1228129201]Its pretty common. Only a few high rollers. I purposely keep everything out of my hands, i'm too prone to spend it.... Keeping myself normalized keeps me out of trouble and better equipped.



-bix</blockquote>
We do the same.

We only keep a few dollars in our ATM account for when we are on the road traveling and we need some extra cash.

Otherwise, all our other accounts aren't linked to the ATM card.
 
When I worked for wages, I never carried more than $100 in cash.



Now, I don't even own a ATM card. I had to get my wife one when she was doing post Katrina FEMA work.
 
[quote author="SoCal78" date=1228112650]Today I had to stop at an ATM. I visited Wescom on Irvine Center Drive at Sand Canyon. I noticed a trash receptacle next to the machine and it was filled with people's receipts. (Why even print a receipt if you are just going to toss it away right there?)



Anyway, I decided to grab a handful and look to see what info they had regarding account balances. Here is what I found. Just some food for thought today to share with the IHB...



-- SoCal78</blockquote>


SoCal -

While I appreciate the zeal and fervor with which you are seeking truth for the benefit of many here, may I politely ask that this be the last time you rummage through other people's <u><strong>private</strong></u> financial papers? Even if these people have been foolish enough to throw them away within easy reach, it doesn't sound to me to be a wise move. Trooper will have to confirm/refute the legality issues that would arise, but more importantly someone present might get the wrong idea and take issue with you directly.



High risk with low reward.



Gracias,

-El Dos
 
[quote author="IrvineRealtor" date=1228143529][quote author="SoCal78" date=1228112650]Today I had to stop at an ATM. I visited Wescom on Irvine Center Drive at Sand Canyon. I noticed a trash receptacle next to the machine and it was filled with people's receipts. (Why even print a receipt if you are just going to toss it away right there?)



Anyway, I decided to grab a handful and look to see what info they had regarding account balances. Here is what I found. Just some food for thought today to share with the IHB...



-- SoCal78</blockquote>


SoCal -

While I appreciate the zeal and fervor with which you are seeking truth for the benefit of many here, may I politely ask that this be the last time you rummage through other people's <u><strong>private</strong></u> financial papers? Even if these people have been foolish enough to throw them away within easy reach, it doesn't sound to me to be a wise move. Trooper will have to confirm/refute the legality issues that would arise, but more importantly someone present might get the wrong idea and take issue with you directly.



High risk with low reward.



Gracias,

-El Dos</blockquote>


Ask any cop or lawyer... anything you throw away in a public place becomes fair game and the act of throwing it away negates any expectation of privacy based on curtilage or the 4th Amendment. If you toss anything into a trash can meant for public use and in an open area, it is no longer "yours". Besides, those slips from ATMs never have names or full account numbers so it's unlikely anyone is going to harass SC78 for being a snoop.
 
Word. And if somebody knows something about being the recipent of others trash tossed in a trashcan...........it's Oscar.



<img src="http://www.danzfamily.com/archives/blogphotos/08/874-oscar-the-grouch.jpg" alt="" />
 
Deuce,



I appreciate your concern for my safety (?) and for the protection of others? financial info. Just to confirm, there is very little identifying information on these ATM receipts. There are no full account and card numbers and absolutely no names. My line of thinking was exactly the same as Oscar?s with regards to legality. No worries about being harassed. There was nobody within sight when I finished my own transaction and then picked up the receipts out of the open waste bin next to me. I'm afraid I'm not worthy of the zealousness and fervor that you attribute to me, though I wish I was. I must say I am slightly surprised you feel this crosses a line, whether it actually does or not, considering there is no identifiable information like, say, a home address which can be readily cross-checked with an actual name and identifying info? the likes of which you see everyday on this blog.
 
[quote author="SoCal78" date=1228175686]Deuce,



I appreciate your concern for my safety (?) and for the protection of others? financial info. Just to confirm, there is very little identifying information on these ATM receipts. There are no full account and card numbers and absolutely no names. My line of thinking was exactly the same as Oscar?s with regards to legality. No worries about being harassed. There was nobody within sight when I finished my own transaction and then picked up the receipts out of the open waste bin next to me. I must say I am slightly surprised you feel this crosses a line, whether it actually does or not, considering there is no identifiable information like, say, a home address which can be readily cross-checked with an actual name and identifying info? the likes of which you see everyday on this blog.</blockquote>


I understand. To be clear, I'm not so concerned about the George but rather the Lennie you might encounter.
 
[quote author="Daedalus" date=1228149503]Too funny No_Vas. Is that a dagger in his hand? <em>"Hey kid, gimme your wallet!"</em></blockquote>
It's a knife. When Oscar bought that trashcan, he didn't understand that prices were still declining.
 
<em>I understand. To be clear, I?m not so concerned about the George but rather the Lennie you might encounter.</em>



Wow, Of Mice and Men at 9 am....not bad.



But Oscar is right....



<em>Ask any cop or lawyer? anything you throw away in a public place becomes fair game and the act of throwing it away negates any expectation of privacy based on curtilage or the 4th Amendment. If you toss anything into a trash can meant for public use and in an open area, it is no longer ?yours?.</em>



There is no expectation of privacy once you toss it in the trash and walk away. Now, can someone call the police to investigate what SoCal78 is doing? Yes.... Could she be arrested for it? No. Might she be embarrassed that an officer stops her? Probably.



I will say this. Rummaging in the trash can outside an ATM is not a good idea because of everyone's fear of identity theft. (and yes, I know...no names or acct numbers are on them...but some people might not know that)



Please take your receipts with you !
 
Socal,



You are just like me. <a href="http://www.irvinehousingblog.com/forums/viewthread/3160/#70928">http://www.irvinehousingblog.com/forums/viewthread/3160/#70928</a>
 
[quote author="freedomCM" date=1228187207]why would anyone keep 17 grand in a checking account?</blockquote>


I was married to a person who did that, but it was significantly more $. The answer was/is: had to cash out a CD to access the money and never bothered to put the rest back into a CD.
 
[quote author="freedomCM" date=1228187207]why would anyone keep 17 grand in a checking account?</blockquote>


to pay the $15,000/mo mortgage and the $5,000 car payment.



whoops .. . I'm short $3k. damn where did all of my money go?
 
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