So I wake up this morning on my payday ready to take care of a couple of bills before work. Phone bill, my card declined. Micahs daycare, again, my card declined. My direct deposit was well over $1,000 and I saw it post to my account at midnight. I call the bank on my way to work about 7:20 this morning and they tell me that the bank has put a credits only hold on my account. I found it interesting and asked why. They said there was an old account I had that had the write off balance due in the amount of $998. So they say I have to go into a branch and take care of it. They advise me to talk to the bank manager. Who actually used to be my boss when I worked for this bank. At the end of the day I find out that collections will take the money from me and that I actually can't do anything about it. I can't pay Micahs daycare or my phone bill, my car taxes or anything. As a mother you pray to never get to this point because now what am I going to do. I'm depressed and I don't want to go to work tomorrow or any day at that. I work so hard and this is what I get in return, for a bank that I've been with for years to do this to me. I turned on my gospel music and I prayed. And prayed. And prayed. That's the only thing I can do.