Waiting for the wages at the ATM at midnight

Padre_Pio

Used to be an ATM in Centra that would let me overdraw my account.

No idea how that worked, but I could use the bank ATM to bring the balance near zero, then tun to the shop and take another 20 out.

Bigmac1euro

I’m with PTSB and my wages come in bang on midnight and if they don’t they are usually there by 1.
I know because I stay up late sometimes and when they come in I like to pay all bills and put my money in the right places so I know what walking around money I have left.
It’s been like this for 4 years now.

murpho999

Deleted User wrote: »

Ulster Bank is 10pm the night before

I don't think the bank you're with makes a difference.

Depends where the payment is coming from and type of transaction the employer has selected.

cml387

When BOI opened their first ATM's they were not online, transactions were recorded on tape and processed in batches. It allowed for some "flexibility" in account practices.

Reati

Reati wrote: »

Tony? (go to .26 secs)

First thing I thought of when I read that :pac:

murpho999

murpho999 wrote: »

I don't think the bank you're with makes a difference.

Depends where the payment is coming from and type of transaction the employer has selected.

It does, the exact same payments into KBC or EBS don’t arrive until the following morning.

murpho999

Deleted User wrote: »

It does, the exact same payments into KBC or EBS don’t arrive until the following morning.

Yes but where are the payments coming from.

My current employer used to be with Ulster Bank and nobody (including Ulster bank clients) got paid the night before.

People got paid at different points of the day as banks batch update records.

ShatterAlan

Nqp15hhu wrote: »

I usually get paid at 2 or 3am. I wouldn't be sitting at an ATM waiting though, I rarely carry cash. And I wouldn't be needing money at that hour either.

I take it you make your payments to purchase a personality during the day via direct debit.

Doctors room ghost

I buy my chicken fillet rolls with a new crisp 50 euro note and throw all the change in the bin.







* may not be true

Nqp15hhu

ShatterAlan wrote: »

I take it you make your payments to purchase a personality during the day via direct debit.

Completely uncalled for, vile toxic comment. REPORTED.

zom

spurshero wrote: »

Poster was an apprentice so I say they were at a stage of life where having fun was more important then investing in the pension !

It is youth privilege to believe there will be no tomorrow, but after thousands of tomorrows in your life it is harder and harder to believe...

Sephiroth_dude

ShatterAlan wrote: »

I take it you make your payments to purchase a personality during the day via direct debit.

Don't post in here again.

Porklife

This brings back memories of being in my local on a Thursday evening playing paper, rock, scissors to see who had to ask the head barman for cans "on tick"
Sometimes the money would go through at midnight and we'd be squealing with happiness buying a crate of beer to drink in my friends converted garage listening to the Stone Roses.

The lenghts we used to go to and schemes we'd come up with to continue on the session were shameless. The barman knew us and to be fair, he'd nearly always give us tick but if he said no we'd scan the pub for anyone we vaguely knew and ask them for money instead! We'd be charming of course and invite them back to the session.
Happy simple times

hynesie08

The heady student days of 2008, hoping to see the girl you had your eye on in the queue for the atm so you could say hello, then desperately praying that your wage was in, then withdrawing 60% of your money to look impressive......

Today's kids will never know.

KilOit

hynesie08 wrote: »

The heady student days of 2008, hoping to see the girl you had your eye on in the queue for the atm so you could say hello, then desperately praying that your wage was in, then withdrawing 60% of your money to look impressive......

Today's kids will never know.

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

BENDYBINN

KilOit wrote: »

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

Don't worry they'll have their fun... Just slightly delayed...

KilOit

KilOit wrote: »

to be 18/19/20 now is seriously depressing. I know not all young adults want to go out boozing but I'm sure a lot do and they won't experience anything like we had. They would of had their first year in college last year behind a computer without experiencing student care free life, no socials, no experimenting or mixing with the opposite sex or same sex whatever takes their fancy, future incoming socially stunted adults if this pandemic doesn't come to a close soon

Maybe it will be good for them.

I wasn't just an awkward 18yo, I was awkward and stupid. Not only did our generation have to get our heads around emotional intelligence, we were constrained by peer pressure — often reluctant to ask, in a group situation, to ask if someone was coping ok or why they seemed out of sorts. These days, all it takes is a private message off camera.

If anyone doubted the resilience of kids these days, look at how well they've coped with the usurpation of all the facets of life they've been reared for — the leaving cert, the debs, college life. They take most of it in their stride and from what I can see of my nieces and nephews, they are doing remarkably well. They still have their friends, and are more in tune with their friends' ups and downs as we were at their age, and better able to respond to problems than we were.

They also have a great social conscience, and most of the kids I've met are very in-tune with what's going on around them.

I wouldn't be worried about the kids.

The J Stands for Jay

BENDYBINN wrote: »

Don't worry they'll have their fun... Just slightly delayed...

Nightlife venues were already disappearing to become hotels before Corona. Things wont be the same when they finally get the chance.

Turbohymac

Hi op..midnight means nothing to bank transactions time..aib usually only hits my account around 6am.. either way it seems fairly irrelevant whether its midnight or 6am because you're simply paid on that working day..and if you're so broke that you cannot wait till 6am then I'd be getting a new job.. what are you going spending your hard earned cash on between midnight and 6am anyway??

The J Stands for Jay

Turbohymac wrote: »

Hi op..midnight means nothing to bank transactions time..aib usually only hits my account around 6am.. either way it seems fairly irrelevant whether its midnight or 6am because you're simply paid on that working day..and if you're so broke that you cannot wait till 6am then I'd be getting a new job.. what are you going spending your hard earned cash on between midnight and 6am anyway??

Coke and hookers.

Turbohymac

Turbohymac wrote: »

Hi op..midnight means nothing to bank transactions time..aib usually only hits my account around 6am.. either way it seems fairly irrelevant whether its midnight or 6am because you're simply paid on that working day..and if you're so broke that you cannot wait till 6am then I'd be getting a new job.. what are you going spending your hard earned cash on between midnight and 6am anyway??

The country has tens of thousands of night-shift workers, and many of them are low-paid, so I'd reckon this isn't a very unusual question in their minds.

For the record, Ulster Bank used to process overnight payments into payees' accounts at 1am when I worked for them, but I'm not aware if that has changed.

hrcbob

hrcbob wrote: »

Ah that brings back memories. As an apprentice in the late 90s early 00s I regularly waited patiently at an atm on a Thursday night to continue on the session.
It used to be pretty predictable in BOI accounts anyway. Generally had a crisp 20 in my back pocket by a quarter past at the latest and on to the late bar.

That anecdote is simultaneously depressing and uplifting :pac:

hrcbob

Nqp15hhu wrote: »

If you budgeted and lived within your means you wouldn't need to be sitting at an TM.

Jaysus lads I was 17, living away from home with a bunch of lads my own age all mad for the sesh and the chance of pulling on a night out.
£78 didn’t stretch too far once rent food and transportation was paid.
Looking at a fat bank balance wouldn’t have been any where near as much crack as those nights out were.

silliussoddius

A Tyrant Named Miltiades! wrote: »

Maybe it will be good for them.

I wasn't just an awkward 18yo, I was awkward and stupid. Not only did our generation have to get our heads around emotional intelligence, we were constrained by peer pressure — often reluctant to ask, in a group situation, to ask if someone was coping ok or why they seemed out of sorts. These days, all it takes is a private message off camera.

If anyone doubted the resilience of kids these days, look at how well they've coped with the usurpation of all the facets of life they've been reared for — the leaving cert, the debs, college life. They take most of it in their stride and from what I can see of my nieces and nephews, they are doing remarkably well. They still have their friends, and are more in tune with their friends' ups and downs as we were at their age, and better able to respond to problems than we were.

They also have a great social conscience, and most of the kids I've met are very in-tune with what's going on around them.

I wouldn't be worried about the kids.

Yeah, look at the sh1t that grown ups are posting on twatter, COVID conspiracies etc.