I had 2 transactions that came into my checking acct. on the same day (9.92 and 38.49). Apparently I only had about 16.00 dollars in my acct. There was enough to cover the $9.92 but not the $38.49. Instead of taking the lower amt. out first, so there wouldn"t be a $37.50 charge , the bank took out the higher amt. so then neither one would be covered and they charged an overdraft fee of $75.00! That's some good customer service. Instead of helping the customer in this poor economy, they screw them!
The funds availability policy is ridiculous. It is takes them three days to process a check that my local credit union makes available immediately after deposit. Their overdraft fees are astronomical! $37.50! Definitely don't recommend.