Does anyone know if US Bank accepts verification of deposit forms. I know that not everyone does. I'm not working with a LO just yet, but with all the efforts I've made, I don't want to get denied over NSFs. We don't spend with wreckless abandon and there is money in savings that I could have transferred had I known about the overdraft (my bank posts daily items between midnight and 2 am, well after I can made a transfer), but when little purchases (5 dollars) take multiple days to show up it's easy to forget about them. If I absolutely have to, I can wait two more months, but I have been waiting for over two years. I've picked up 80 points and increased my salary, I don't want a few 7-11 and fast food purchases to stop me now. I should have signed up for overdraft protection, but they charge the same fees for the transfer, so it didn't seem quite as appealing. Hindsight...
Starting Score: 497