If you ever want to know how life humbles people, talk to a fresh immigrant in America. Ask them about their first “cash-back” experience. No, really, don’t ask about the Statue of Liberty, the snow, or the burgers. Ask about that fateful day when they learned that “cash back” is not free money. Because baby, that’s when you meet America for real.
The Day My Account Screamed “Overdraft”
I remember it like it was yesterday. I woke up. I opened my banking app with the confidence of a CEO checking profits. There it was, NEGATIVE BALANCE.
A red number. With a minus sign. The kind of number that makes your heart skip, your stomach drop, and your ancestors whisper, “Didn’t we warn you?”
I was cooked.
Actually, no, I was fried. Deep fried. Kentucky fried. Emotionally battered and financially toasted.
My account said –$34.21, but my soul said “overdrafted by life.”
Let’s Rewind to the Scene of the Crime: Walmart
A week before that tragic day, I was feeling good. Fresh immigrant vibes. My documents were finally sorted, I had my first American debit card, and I was out shopping for “essentials.” You know the likes of detergent and toothpaste. I also bought five different snacks I didn’t need. They later made me add unwanted pounds to my already overweight body. I also bought a 24-pack of bottled water. Initially, American tap water tasted like disappointment. It’s a different story now. I literally drink straight from the tap.
At checkout, the cashier, a cheerful woman with a “Linda” nametag and a smile that screamed “Welcome to Capitalism!” looked at me and asked, “Do you want cash back?”
Now, let me explain something. In my mind, cash back sounded like the American dream. I mean, who doesn’t like free things? “Buy and get cash back”? Say less!
I stared at her in disbelief. “Wait, I can get money? Like… free money?”
She smiled again. “Yes, cash back.”
I didn’t even hesitate. “Yes! Of course. Please.”
“How much?”
I panicked, I didn’t want to sound greedy. “Uhm… $40 is fine,” I said. But the way I pronounced forty instead of forry made us take an extra minute to understand each other. Yooh! The accent was (and still is) very real! 😅
She typed it in. The machine beeped. And boom! She handed me $40 in crisp bills. Just like that.
I smiled the whole way home. America was truly the land of opportunity. They literally give you money for shopping. I even promised myself loyalty: I will never go to any other store. Walmart, my ride or die. 🥹
The Week of Blissful Ignorance
That week, I became a loyal Walmart warrior. Every visit, I’d confidently say “Yes” to the cash-back question. Sometimes $20, sometimes $40 depending on how rich I felt that day.
I started calling it my “side hustle.” My friends would talk about working extra shifts and I’d say,
“Me, I just go to Walmart.”
Life was sweet. I had cash in my wallet, snacks in my pantry, and absolutely no clue what overdraft meant.
Reality Check: When the Bank Fights Back
Then one fateful morning, my bank decided it was time for enlightenment. I checked my balance expecting to see a healthy number. But no. It was negative. In bold red font. My bank even added a sad face emoji (okay, maybe it was my imagination).
I refreshed. Closed the app. Reopened it. Still negative.
That’s when I called customer service.
“Hi, this is Elizabeth,” I said, trying to sound calm.
“Yes, Elizabeth,” replied a polite voice. “How can we help?”
“My account is… um… negative. But I should have cash. Yesterday was my pay day”
The kind lady on the other end checked my account. She politely informed me that my paycheck had come through. It only managed to pay off part of my negative balance. This left me still owing the bank. In shock, I quickly told her that I hadn’t withdrawn or spend more money from the account than I had received. In my head I was like dude am an accountant . That’s when she mentioned the “cash back,” and I eagerly confirmed, “Oh yes, I did that!” completely unaware of the storm I’d caused.
“Cash back,” I said proudly. “I got it from Walmart. They give free money if you buy something and pay with your debit card.”
There was a long pause. The kind of silence where you can literally hear judgment.
Then she said, “Ma’am… that’s not free money. It’s your money. Withdrawn from your account.”
Me: “Wait, what?!”
Her: “Yes. You selected cash back, which debits your account for the amount requested. Your account allows a negative balance when no funds are available to a $…limit as per your instructions”
Me: “So the cash back was… my own money?”
Her: “Yes, ma’am.”
Me: “Even the one from Monday? Tuesday? Wednesday? Thursday?”
Her: “All of them, ma’am.”
At that moment, my soul left my body. I literally hear faint laughter from every cashier who had ever asked, “Do you want cash back?”
Overdraft Fee: The Cherry on Top 🍒
But it didn’t stop there. The kind lady explained that I had withdrawn more than what was in my account. As a result, I was charged an overdraft fee. It was $35 for every transaction that took me below zero and remained unpaid for 72 hours.
I did some quick math and realized my “free cash” had cost me about $210 in fees.
America wasn’t just the land of opportunity; it was the land of financial traps wrapped in politeness.
Lessons Learned the Hard (and Funny) Way
I’ve learned a few important lessons since then:
- Cash back isn’t cash forward. It’s your own money returning with a smirk.
- The bank doesn’t forget. You may ignore your account balance, but it’s watching and silently plotting.
- Walmart will never warn you. They’ll hand you your cash with a smile, knowing you’ll be back next week with overdraft tears.
- Fresh immigrants need a manual. Seriously, why don’t they issue a “Welcome to America: Avoid These Financial Traps” booklet at the airport?
How I Recovered (Financially and Emotionally)
After I wiped my tears and accepted my overdrafted fate, I did what every immigrant does best. I learned and adapted.
Now I check my account like it’s an exam result. I know my balance down to the last cent.
And whenever a cashier asks, “Do you want cash back?”
I smile sweetly and say,
“No, thank you. I already got cash back from my overdraft last time.”
Sometimes, I even warn other newcomers:
“If you ever think America gives free money, please call me first.”
A Message to My Fellow Immigrants
We come here with big dreams, heavy accents, and light pockets. And America, bless her heart, greets us with overdraft fees, taxes, and 99-cent temptations. But that’s okay. Because every misstep is part of the story.
Someday, I’ll laugh about this from my own house (fully paid off, amen). For now, I’m just that woman who overdrafted her way into financial wisdom.
And Walmart? We’re on a break.
Until further notice.
Signed,
Elizabeth Johnstone Musyoka
Fried, but Wiser.



