Most embarrassing money moves
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College credit 101
"Right out of college when I got my first credit card, I paid off the balance in full each month. One month I couldn't pay the entire amount, so I didn't pay anything. Then, the next month, I paid it off.

"When I went to buy a car later, I was bewildered that the missed payment shown up on my credit report.

"'But I always paid my balance off except for that month,' I explained to the finance guy at the dealership. 'I didn't make a payment that month because I didn't have it all.'

"Then I learned a valuable lesson about always paying at least the minimum due on time."

Kidding around with the deposit
"My son was in charge of collecting rent money from our tenants and depositing it in the ATM. Our tenants usually paid in cash.

"One day at work, I got a call from the financial establishment that my deposit of cash had not been processed because some of the money was missing because it was deposited without an envelope.

"I called my son and he said he had done it before with no problems. I gave him a pile of envelopes and told him to never do that again.

"Since he didn't have a deposit envelope, he had showed the money to the ATM camera, and slipped the cash into the deposit envelope slot.

"I get a laugh every time I think about it. Luckily, the financial establishment credited us for the missing amount."

Right amount, wrong bank
"My story is about going to my downtown bank to deposit a check. I marched into the bank, grabbed a deposit slip, included the amount, account number, etc. I then went to the teller, deposited the money and received a deposit slip.

"Then I started receiving "overdrawn" slips from my bank. I went to my branch bank, showed them the deposit slip and was ready to go into full battle mode when the bank teller gently told me that yes, the deposit slip amount was correct and legitimate; however, that "this deposit slip is from the downtown branch of another bank, not ours.

"In my haste to deposit the check, I had somehow gone into the wrong bank and deposited the money. For whatever reason -- this was in the early '70s -- the first bank had deposited my money in their bank, using the account number of their competitor down the block."