Bank charges overdraft?

[hungry_hog]

Due to my own ineptitude, I was overdrawn for about 4 hours on Monday

So far my bank seem to have not noticed.
Does anyone know what the charge would be - it's a HSBC current account. I am expecting around 35 sovs?

I would ask them but I don't want to draw attention to it!

[Marf]

HSBC generally apply charges at the end of the month, and yeah, they are in the £25-35 range.

[hungry_hog]

thanks. must make sure I have 35 in my account then or they'll do it again

[Stupeo]

You might be okay.

I have done similiar with my First Direct account (owned by HSBC) and you have until midnight (on a business day) to top up your account before you will be charged!

Thanks

matt.

[wiggy001]

You're only overdrawn if you are overdrawn at midnight.

[Daveymoo]

wiggy001 said:

You're only overdrawn if you are overdrawn at midnight.

I'm with Lloyds TSB and it was if you were o/d at the end of the business day that you were charged and it sounds as though you weren't so you should be ok.

[v15ben]

Yep I used to work for HSBC and if you're back in the black by close of the working day then they won't charge you.