I am not happy with our bank.
We have $105 in NSF fees. I will freely admit that I messed up and mis-added something, so one $35 NSF is completely legit. But, the other two are soooo not cool. Apparently, Bank of America pushes through your most expensive account debit first. Customer service explained to me that this was so in case the check was like your mortgage payment, it would be paid before say a $5 debit to McDonald's. I think that's a bunch of bologna! By pushing threw the most expensive check first, they caused the two smaller ones to bounce as well. Had the two smaller ones went threw first, I'd only be out one fee instead of three. I told customer service this was ridiculous. Of course they'd rather charge me $35x3 instead of just once...they want to make money. Worse yet, this whole mess is because they process withdrawals before deposits, unlike any bank I've ever dealt with before! It seems so wrong to me! The money was there, they just did the debits before the deposits! I could almost get over that part of it, and admit I owe them for one NSF fee, but the three I feel is completely unnecessary! It really strikes me as them taking advantage of the situation. Imagine that, a bank thinking of themselves before the customers. It sure has made this mama mad! Paying that much in fees makes me sick to my stomach, especially since I feel that only one is a legitimate fee. Long story short, I think we'll be looking for a new bank!
Sorry, for the rant. Thanks for letting me blow off some steam! :-)