1) I went to a Banknorth branch to cash a $100 check my daughter wrote out to my from her Banknorth account. The teller cashed it. An hour later my daughter found out that her account didn't have the $100! To top it off there were already overdraft fees on the account. Honoring the check meant additional fees were being added to her account!

2) Why not send an email to customer as soon as the account is overdrawn? Why wait 5 days for a notice to arrive through U.S. snail mail?