I am livid and have been for years about this subject. I don’t want to go into too much detail, but they take out ovrdraft fees immediately after a deposit posts. Yes, the transactions clear before the deposits post, but we have had Direct deposit on our account ever since we have been with the bank…. 10+ YEARS. AT LEAST EVERY FRIDAY, money comes into this account….this particualar time, I had failed to write down an automatic debit….Yes, it was my fault. But the transaction posted on Thursday and therefore the two transactions that my husband and I had to make, which were for fuel for our vehicles (not some frivolous purchase, otherwise we would have waited another day, but we had to get home) bounced as well as the transaction I had failed to write down. I pride my self in not getting overdrafts but they do happen occasionally. It just preturbs me when it happens just AFTER a deposit is made, which generally, is a day AFTER the NSF causing transaction happens. I have contacted the bank and told them how angry I am that it happens this way. The only thing they offered, was to take the overdraft protection off our account…now seriously, how is that going to help the situatiuon? It won’t. It would just make me have to go all over town to take care of those transactions that did not clear. I feel that there should be some stipulation in the policy that states that if there is not a deposit made within 24-48 hours of said transaction that causes my account to overdraft then that’s when they can charge me….and if a person has direct deposit they should be a little more lenient, as there will be money coming to this account shortly. I cannot help when the automatic withdrawals come out. BURNS MY HIDE!!!!! Just this month $170 in fees from our bank….GRRRR If they had left MY MONEY alone, there wouldn’t be sooo many dang fees. I cannot tell you how much this hacks me off!!!!
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