I hate my Bank - part II

Well, Iggy, I don't know that I was abusive to them, but I DID let them know that I was upset. I told them at the very beginning that I did not WANT a debit card that would allow me to inadvertantly overdraw my account. They said, "Too bad. That's how it works here."

I don't write checks. I only use the card. I would far prefer to have the card spit out at me and the message transaction denied then get reamed for $20.00 every time. And I think raising people's overdraft limit without telling them is terribly unfair on the bank's part. I got an e-mail saying my check had been direct deposited. I had no reason to beleive that they were giving mis-information and had instead sent my check in the mail. If I knew that the bank had increased my overdraft limit, I wouldn't have used it. Or at the very least, I would have just taken $200 cash from the ATM all at once and paid a single overdraft charge of $20.00.

I understand what you're saying about the customer having the responsibility to keep track of her account. It would help the customer greatly in this endeavor to know what the bank's policies are, however.