If you have a checking account with this company, they WILL try to steal money from you. To avoid this, do not make deposits after 2:00 p.m., regardless of how much money you have in your account. They will place a hold on your money, and then "courteously" pay any charges you place on your account and charge you $35 for each "NSF". If there is no money in your account, they will not pay the "overdraft" and charge you $35; they'll place a hold on the charge until you put money in the account.