Busy doing things for my brother’s wedding all week, a couple things slipped my mind. I scheduled a payment to my citi card and forgot to deposit money into my ING Direct account. ING Direct rejected the payment so Citi charged me a NSF fee of $29. This is relatively low as far as NSF fees go (Wachovia charges $35 on student checking accounts). I called them up and after being transferred to the manager, I explained to him the situation and he immediately offered to waive the fees. 
Citi seems to have better customer service than Bank of America. Maybe that’s just their credit card division.
If anyone was wondering why I have Citi withdraw funds from my ING account instead of my checking account is because my ING Direct account is usually where I stash all the cash I plan to use to pay off my credit card.
If at the beginning of the month I buy $30 worth of gas. I’ll deposit $30 cash into my checking account then into my ING Direct account so I know I have the money to pay off the balance in full and earn a little interest on it. The interest earned is chump change but last time I checked leaving money in my drawer ’till money comes didn’t earn you anything extra.
