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How often do you check your bank account?
Thread poster: xxxwonita
xxxwonita
China
Local time: 20:37
Mar 12, 2008

A client informed me that he had paid my invoice, not a small amount of money, last Friday.

Since then I have been online checking my bank account xx times a day, like a drug addict.

It can't be healthy...

Ciao!

[Edited at 2008-03-12 17:01]


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Ralf Lemster  Identity Verified
Germany
Local time: 00:37
English to German
+ ...
Several times a day Mar 13, 2008

...particularly when large payments are due.


It can't be healthy...

So far the account is doing rather well.


Best, Ralf


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Astrid Elke Witte  Identity Verified
Germany
Local time: 00:37
Member (2002)
German to English
+ ...
Whenever I am not translating intensively Mar 13, 2008

I check my bank account the morning after I have disposed of a fortnight's intensive translation efforts to the customer... and sometimes get pleasant surprises, how it has been filling up in my "absence".

Or I check it six times a day on those rare occasions when I get a whole day between translations, but then realise that it only stays rosy while I am translating intensively and don't have time to look at it...

Or I check it on the day that I have to do my VAT return each month...

Or otherwise, if I am keeping a close eye on several problematic debtors.....


Astrid

P.S. I think it would be a good question for a poll!

[Edited at 2008-03-13 07:24]


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Jenny Forbes  Identity Verified
Local time: 23:37
Member (2006)
French to English
+ ...
When payments are due Mar 13, 2008

Like you, Bin, I check my bank statement on-line at frenziedly frequent intervals when payments are due, to see if they have arrived, so that I can send out reminders if they have not. When payments are not yet due, it can languish unviewed for weeks on end.
It can get a bit addictive, can't it?
Kind regards,
Jenny


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Lawyer-Linguist  Identity Verified
Portugal
Local time: 23:37
Dutch to English
+ ...
Daily Mar 13, 2008

Part of the routine, online - coincides with my first strong, black coffee of the day, in one of those ghastly over-sized mugs, designed to feed your caffeine addiction.

That gets me kick-started into action, one way or another.

Luckily I do, one of my clients made a large double payment in error yesterday. An amount that was only due end March, but they always pay early.

I was able to get their banking details and refund them very quickly. If I didn't check my account regularly, I might have been spending away, blissfully unaware at the time it wasn't my money as each one of my "inner circle" (major) clients pays in similar amounts each month, and often before due date.


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Claire Cox
United Kingdom
Local time: 23:37
French to English
+ ...
Daily Mar 13, 2008

It's part of my morning routine too, but I've managed to limit it to once a day, first thing in the morning. There aren't often blips, but last week I was waiting for a payment to come in from an agency, who'd notified me the previous week that they'd sent my payment by BACS transfer. It normally comes through within a couple of days, but when it hadn't arrived a week later, I contacted the agency to ask them to check whether it had been processed at their end. Sure enough, they came back to me very promptly, with profuse apologies, explaining that it hadn't actually been debited from their account. A new contact at their bank had taken over their account and all the requests they'd submitted that day had languished unprocessed! The payment then came through that very same day - so the banks can work fast if they have to! Interestingly, though, no-one else had notified the agency of the problem, so I can only conclude that I'm in a minority of regular bank account checkers..... I used to work in a bank in my university vacations and when I first graduated, so maybe that's why I'm so careful!

As Astrid says, it would be an interesting topic for a poll!


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Anne Koth  Identity Verified
Germany
Local time: 00:37
German to English
about once a week Mar 13, 2008

on the principle that a watched pot never boils

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Rosa Diez Tagarro  Identity Verified
Spain
Local time: 00:37
Member (2003)
English to Spanish
+ ...
first thing in the morning Mar 13, 2008

while I sip my tea... (I never get up until I hear my husband calling 'Your tea is ready!, one of the many joys of marriage)

I check both my accounts, all my e-mail and see if there are any due/late payments.

Rosa


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Charlie Bavington  Identity Verified
Local time: 23:37
French to English
Private :-) Mar 13, 2008

Now why on earth should I make an announcement in the public domain about what size window of opportunity a fraudster has to make off with my hard-earned before I notice he (or she) has done so?

Quite clearly, a good time to start hacking into some of your bank accounts is probably round about mid-morning, safe in knowledge you won't notice I've stolen all your money until the next morning.

So I'll transfer your money out at, say 11 a.m.
Run around the banks all afternoon collecting the cash
Fly to South America in the evening
You won't notice until the next day - hurrah !!

(Seriously though, are you people sure you should be sharing this information?)


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Steffen Walter  Identity Verified
Germany
Local time: 00:37
Member (2002)
English to German
+ ...
Several times a day Mar 13, 2008

I am permanently online in the background, so I check my account on a regular basis, usually several times a day... which reminds me of going straight to my online banking login page right now (most payments arrive at noon or shortly thereafter)

Steffen


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Daina Jauntirans  Identity Verified
Local time: 17:37
German to English
+ ...
It pays to check frequently Mar 13, 2008

I check both my personal and business accounts frequently. It paid off recently when we were the victims of an ATM scam. We were able to report the stolen money within a couple of hours of the withdrawal, which was in a city far away from our current location and which we hadn't visited in a couple of years. It pays to be on the ball.

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PAS  Identity Verified
Local time: 00:37
English to Polish
+ ...
When expecting payments Mar 13, 2008

Mostly. If I don't expect anything coming, there's usually no need to log in like a maniac every 10 minutes...

And I never ever log in from somebody else's computer. Call me paranoid.

Pawel Skalinski


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Jenny Forbes  Identity Verified
Local time: 23:37
Member (2006)
French to English
+ ...
Jeepers! Mar 13, 2008

Charlie Bavington wrote:

Now why on earth should I make an announcement in the public domain about what size window of opportunity a fraudster has to make off with my hard-earned before I notice he (or she) has done so?

Quite clearly, a good time to start hacking into some of your bank accounts is probably round about mid-morning, safe in knowledge you won't notice I've stolen all your money until the next morning.

So I'll transfer your money out at, say 11 a.m.
Run around the banks all afternoon collecting the cash
Fly to South America in the evening
You won't notice until the next day - hurrah !!

(Seriously though, are you people sure you should be sharing this information?)



Jeepers, Charlie, you've really scared me. Do you mean that a hacker can get at your account when you're logged on, on line? Don't they have to know all your security numbers and stuff? Please put my mind at rest.
... and have fun over there in Brazil with the boys.
Yours,
Jenny


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Charlie Bavington  Identity Verified
Local time: 23:37
French to English
What I had in mind Mar 13, 2008

Jenny Forbes wrote:

Jeepers, Charlie, you've really scared me. Do you mean that a hacker can get at your account when you're logged on, on line? Don't they have to know all your security numbers and stuff? Please put my mind at rest.

Nothing would surprise me about what is technically possible, and there certainly was a time when it was possible to send you a wee gadget, like a cookie, to record all your keystrokes and send them back to the hacker, who could then replicate what you did. I think most anti-virus stuff stops that kind of marlarky fairly sharpish these days. But that wasn't really what I had in mind

I was thinking of more mundane stuff, your opportunist perhaps who, having stumbled across Rosa's or Anne's or Claire's bank account and was wondering how best to plunder it with least risk of detection, now discovers that each of them checks it first thing in the morning, leaving the rest of the day free for financial shenanigans with no chance of being caught in flagrante e-delicto, as it were. In your case, I now know that if a large-ish payment has just been received in your account, I've probably got a few days to help myself before you'll check again to find it's gone.

I dunno, really, maybe I'm paranoid, but it's not a question I would dream of answering, any more than I would post on a forum about what time I'm most likely to be out of the house or when I'm going on holiday.


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Claire Cox
United Kingdom
Local time: 23:37
French to English
+ ...
Oh dear, now you've got us all worried.... Mar 13, 2008

but I remain (maybe naively) reassured by the banks' ability to keep our online banking safe. Especially after my parents were contacted by one of their credit card institutions, saying that they had stopped their card as a precaution, having noticed that it had been used to pay for music download sites and they'd realised that a couple of 75-year-olds were unlikely to be downloading music! They picked this up very promptly, which was impressive, and the card had been used fraudulently - no-one else had had access to the cards, so they can only think the details had been picked up from a telephone card transaction - not a pleasant thought.

However, you're right, you can't be too careful and I now wish I hadn't commented at all on bank checking frequency! Perhaps I should qualify it by saying that I do check at other times if I'm checking the progress of shares in another account, all shown on the same page - so potential hackers beware!


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