April 2008, (Sunday), Upon making a deposit of $500.00 I asked the cashier to cash the check (local bank) and then deposit into my account as cash. I further said tht if you cannot do this, I will wait until the next day and cash the check and then make the deposit into my account. The cashier said that would not be a problem. I took $100.00 cash and deposited $400.00. The cashier said the $400 would be available the next business day (Monday). On Tuesday I purchased items with no problem. Later that afternoon I was in the process of purchasing groceries when the cashier said that my debit card was declined. I drove to the bank and when I asked the manager to explain she told me "We allowed you to make those purchases so as to not embarass you". The amount in my account should have been $368.00. By their account, I owed them over that amount due to fees. They stated that the check was out of state (It is from here in Jupiter!) - "The bank company is out of state". I have yet to get a response from them, even after contacting the President of the Bank! I take that back, I heard from a collection agency trying to get the money they say I owe them! Where the heck do these people come off stealing from customers and, quite literally, believe they have the right to do so without any consequences. What can I do about this!?

My account had overdraft protection but when i made a withdrawal there were two checks that were not paid and when i asked the teller she told me not to worry because i had overdraft protection. Now they say I am being fined for checks that have been returned and they say if I don't pay they will add $5.00 a day. I have had this account for 6 years and never had this happened before.

It is a real shame that as a single parent of 2, I am not receiving a paycheck this week due to the amount of overdraft fees that I have been charged. I am being charged $448.00 overdraft fees for $158.77 worth of charges. It really is sad that in our countries poor financial state, that banks still continue these awful practices!
One of their very own Branch Managers advised me to never ever use my debit card to only use cash, I guess I know why now, because it’s a totally legal scam!!! They charge the debits from greatest amount to least amount so that you are able to charge me as many overdrafts as possible.
Does it even make sense to do this; obliviously a customer who is possibly over drafting doesn't have any money... so let’s charge him $32.00 for every dollar that he spends. Come on.
I don't mind paying fees if I am in the wrong... but if I am checking my acct on their website and it clearly shows all the activity on my acct I don't think that it is good business practice for the next day when I view the acct again for it to be completely different, and instead of the bank looking out for the customers best interest (charging the least amount of fee possible) they charge the most, to the poorest people. I can not afford anymore fees and do not get paid again until next Thursday. The paycheck that I recvd today was completely used to pay overdraft fees and I still have a negative balance. I can't pay daycare, gas for work, nothing. This is such a sad practice. I will be contacting the Federal Reserve, BBB, Federal Trade Commission, The Florida Office of Financial Regulation and the Florida Attorney General to name a few.
And everyone else should too, change happens in numbers, not in people just getting mad and switching to another bank who does the same thing.