Yup, my feet are not made of clay - they are made of rubber.
I bounced a check last week.
A substantial amount. A tidy sum. A big one.
The down payment on our new cabinets for the new house.
I had a total *spaz* moment. (I would call it a "senior moment" but that implies that the mistake had something to do with age. Nope. This one was just plain stupid…)
You see, Mr. Cabinet Guy deposited the check the same afternoon that I handed it to him. (As if he didn't have the total right to do that – HA!)
And I forgot to transfer the money to cover it.
Funny thing is – (not ha ha funny, by the way) – is that I didn't even realize it until the next morning when I went to check my emails. I had something called a LOW THRESHOLD ALERT on my account.
I have added this little gizmo to my online banking so if I go below a certain amount in my checking account, it alerts me. ("Hey, silly pants, you need to transfer some funds!") Works great for those incidental *forget-me-not* moments.
In this case, as I read on in the email, I found out that I was several HUNDRED dollars overdrawn. At first, I didn't even remember writing the checks the day before – I initially thought that someone had invaded our account and chocked up a whole bunch of goodies at our expense…
Then I remembered – oh no, the cabinet guy.
So, I quickly made an online transfer to cover the check.
Hoping I might have circumvented the whole stupid process of having the check returned.
No such luck.
At one point I thought I might be OK. A friendly customer service representative told me that though the check had been returned, it would be put through my account again that morning – and of course, it would be OK now.
Totally wrong information.
The check has been returned, and I have been assessed a rather LARGE returned check fee. (Does it even matter that I've been a loyal customer for 37 years???)
The old days are gone – there is no more *grace period* at the bank.
It got me thinking.
I'm a little used to being able to have some breathing room with bills and stuff. They might send out a (little) threatening "notice of cancellation" letter here and there, but they're just warning shots really. On most things, you've got some time past your due date to pay.
Banking – no longer do they give you that "second pass" to make it all right.
Got me thinking – (what doesn't these days??) – no grace period.
You know, WITHOUT JESUS, that's kinda the whole situation. WITHOUT JESUS, we are totally under judgment. All fallen short – no second chances.
With Jesus, there is…
No fees, no penalty.
We come with nothing but our repentant hearts – and Jesus removes every sin counted against us, now and forever.
The overdrafts, the insufficient funds, the cancelled or lost checks, the stolen debit cards – it's all gone when we accept Him as our Lord and Savior.
Aren't we so very privileged and fortunate to live on this side of the cross?! Aren't we beyond blessed to live in the grace period?!
I don't know about you, but I happen to like the way Jesus does banking!
And the customer service is wonderful!!
Have you ever bounced a check?
(C'mon, I want some truth-tellers out there)
What does the grace of God through Jesus mean to you today?
Linked today with Joan at SHARING HIS BEAUTY
BLOG = "Blessedly Leaning On God!"