to think if i go to the bank and put money in it should go straight into the account?

[biddysmama]

its my husbands account, i put money in on monday at 3.48pm (ive got the reciept) so we could pay a bill, online banking says it went in on tuesday so he was overdrawn and charged for it

aibu to take the reciept and tell the bank he shouldnt be charged cos the money was there or did i do it to late in day? at my bank its instant

have just double checked and LTSB now count deposits over 3.30pm as the next days transaction but does give you until 3.30pm on the day a debit is taken out to pay in funds to cover it (never used to be like that when I worked there - must have fallen in line with the LLoyds system as I worked on the TSB side)

Was it with TSB by any chance? They have a policy of if there isn't cleared funds by 3pm today, DD's won't be covered (or you'll be classed as OD) tomorrow. Its a stupid rule, cos the money is there!

why not pay the bill directly with the cash

ignore that, its early, the dd will still come out :(

the dd has already come out and it took the account overdrawn even though the cash was going in the same day. LTSB gives you until 3.30pm on the day the payment comes out to pay in funds to cover it so I would have thought the op is talking about another bank.