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I liked the old time paper and ink pen passbook savings account. I began banking some time in the 1970s depositing money my part in the family business and a summer job all as a high school kid. My bank was the Bank of ____r County.
Whenever I needed money I would go to the bank and make my request for however much cash I thought I needed. Mrs. Q or Mrs. K who knew me on sight didn’t ask for ID when I presented at the bank needing cash. These bank tellers also knew my parents. I was in school with their kids.
My passbook told me how much money I had in the bank at all times. There was never any doubt at all. I understand there could be some issues but for me it was deposit a check into my account and that was my balance. I was good for however much money my passbook said I had. Whatever checks I deposited into my savings account took probably more time back then than it does today but whatever balance my passbook said I had. Whatever either of the two aforementioned tellers wrote as my balance was nearly gospel. If the check I deposited was no good the bank, with the help of the county attorney, went after the scofflaw check writer while I still had a working balance regardless of somebody handing me a bad check.
That was the extent of my passbook savings account. I did not have automatic deductions for something like a gym membership or telephone bill. I was paid by paper check which I could deposit less how ever much cash I wanted for the weekend. I could rely on what my passbook showed I had. There was no such thing as an e-deposit or e-transfers between different accounts at different banks. I wasn’t wielding a debit card about there was no such critter back in 1975.

I could rely on whatever my passbook said I had. Interest in the amount of 5 or 6 percent would also be manually added to my balance.
I was stranded out of town one time. I needed money to buy gas for my car. I walked into the first bank building I saw. I told them my dilemma and they obtained a wire transfer from my bank to theirs. It took several hours to accomplish that but I recall making it home in one piece. Next time I went to the bank my passbook was updated. I didn’t make a habit of getting stranded with no money in my wallet.
I like the days of my old passbook savings account. I had my balance and a record of my deposits and withdrawals all in REAL TIME. I could trust whatever the teller wrote in my passbook. It seems I’m abusing an online savings account by paying even micromanaging my credit cards several times a month. I know I go over 6 w/d’s a month but neither of the three savings accounts has said anything. I get mixed up about my current balance. As soon as I get my direct deposit SSI it goes out electronically until it’s gone often before sunrise they night it showed up in my account. I have to hope and pray I didn’t overdraw because if I don’t write down the outgoing money I have no idea what my savings account (3) balance is.

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