Amount that our bank charged us in overdraft protection charges last month: $24
Amount that our bank wanted to charge me to order “free” checks online: $22
Time spent calling a telephone banker to politely ask why our checks weren’t free: 10 minutes
Time spent wondering aloud to telephone banker why our bank didn’t email me that our account balance was low (as should have happened according to the automatic low balance alert that I had set up): 2 minutes
What happened then: got our checks for free and got our overdraft protection charges refunded
Total time spent: 12 minutes
Total amount saved: $46
Result: smug satisfaction on my end
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