Held Hostage by my bank!

I'm not too big on banking. Especially with a joint account. So usually I have money in the bank to pay certain bills... and thats it.

This week I had a big check out and so I was monitoring the account to make sure that despite all the little incidental spendings that there was enough in the bank for the check to clear. Imagine my surprise when my account dipped drastically in the negative hundreds. I made a quick call at 5a. to my husband to verify that it was not him that had temporarily lost his mind. It wasn't. This time. My next call was to the bank, who reminded me gently that the normal business hours begin at 7a.

I called again... and was told that even though they did see the transactions pending, there was nothing that they could do about the transactions until they actually posted. So three days later... they are still pending and so I'm forced to look at my balance in the red... until they actually post of course. Meanwhile, I know we didn't charge any of those transactions and according to the bank they cannot do anything about it yet.... so here I am... looking to see if and when they will post so I can call the fraud department.

Sucks doesn't it!