Who knew?

I thought the drive-up window at every bank in the universe opened at 8:30 a.m., even on Saturdays when the lobby is closed. I learned differently today. Because of a quirk arising from the shifting of my paydays relative to when bills come due, I didn't have enough money in my checking account to make the payment on my home equity credit line (which, along with my mortgage, is with a different bank than my normal one) until yesterday (27 Feb). Normally I pay my bills on-line, but even though the transactions are electronic, it can take up to three business days for them to go through.

Since my credit line payment is due on the 1st of every month, I couldn't pay it electronically. So I wrote a check friday morning, intending to swing by that other bank and make both a cash deposit into my checking account there, and make my credit line payment. I went and got the cash at my regular bank, went to the other bank and made the deposit and went home. yep, that's right. Not only did I forget to make the credit line payment, I discovered friday night before leaving for work that I hadn't even taken it with me! Hence me going to the bank again this morning, and discovering that the drive up doesn't open until 9:00 a.m. on Saturdays.