| Thank you all for your help so far.
My bank is a fairly small local bank, and I don't see any online services other than electronic transfers between savings and checking. I plan to keep a small amount of money in my account since it is non-interest bearing, but if I overdraft, it will deduct from savings. I'm kind of up a creek in that aspect...
I really want to have online buying capabilities, but I really don't want to get into the credit game this early in my financial life. I've got the money and the discipline; I simply don't want the hassle (and my parents will more than likely get all over me about saving for college instead of opening a credit line and spending money on "trivial" things).
Side note: when I signed up for the account, the lady told me that gas stations post the money differently than all other vendors, so those situations are completely normal (though obviously pretty outrageous and unfair when the amount gets that extreme). |