I have had and HSBC savings account for quite some time now. I direct deposit my paychecks to my savings account for the 5.05% return – but the problem is that my Amex card won’t take payments from a Savings Account. It’s no big deal, as I just schedule the money that I need to be transferred to my checking account. The other factor that lead to this disastrous mistake is that I leave very little money in my checking account. Only $100-$200 for the month. I had a rather large payment coming up for my credit card ~$2500. Well, about two days before the payment was due, I got a phone call from my bank’s automated system that notifies me that I have a new deposit. I ignored it, as it I knew what it was. The following day I checked my account, and to my dismay I was $2500 overdrawn! Instead of transferring from my savings to my checking, I had done the reverse. I desperately needed $5000 to bring my account above the red, as well as to pay off my card which was due the next day. I already had been charged $25 for overdrawing – I had no idea if the charges were to continue each day I was overdrawn – nor if I would also have a hefty finance charge on the credit card. I went into panic mode, calling my bank, calling my credit card. The only option I had was to wait the 3 business days for another transfer from my HSBC account. One of my co-workers had overheard me on the phone, and asked if he could help in any way. I jokingly said “you don’t happen to have $5000 I can borrow, do you?”. About an hour later, he came into my office with an envelope with $5k in cash! I couldn’t believe it! I thanked him profusely, telling him he didn’t have to do that at all… but I was eternally grateful! On my way to the bank with his money, I realized that it was the most cash I have ever handled at once! I deposited it immediately. The following Monday, when the funds had finally come through, I went to get the cash to give back to him – I had to take a picture! Fitty Benjamins – didn’t quite fit in my wallet!