I am tired of being charged overdraft fees when my bank account IS NOT overdrawn. IBC has these two seperate sections they do their computing from: Pending and Posted. Depending on who you talk to and what you are complaining about, IBC will charge you an overdraft fee just about whenever they want and use that pending section to justify it. However, if you deposit money it can sit in that pending section for days while overdraft charges keep piling up. However, when you try to call them on it they have excuses for that too. You either didn't make the deposit/transfer in time, you didn't make it at all, the charges were made on posted items (even though you KNOW because you checked on-line they were done while the item was pending). The costomer service people have actually given me a lecture on doing a better job of budgeting and made me feel like an idiot. All the while, on paper your account was never overdrawn. How can that happen? And I am not the first. I did a 30 minute search and found 5 other victims. How many more of you are out there? Please let me know!!! I want to take ACTION!! Let's say CLASS ACTION!