I had opted in to the overdraft protection program with Woodforest National Bank. When I agreed to this program, no one ever explanned or even mentioned that they had hidden fees or any other fees except the one fee of $34.00 everytime the bank has to pay any funds out toward any purchase that your account does not have the funds to cover. It was never said that after eight days of your account having a negative balance the account will be charge an extra$35.00 on the eighth day if you can not get your account out of that negative balance. Woodforest National Back has already had to repay several people money back for illegal tractions made by the back before and now this isnt right. How do this bank expect for a person to get out of the negative balance when their steady charging you fees they fail to tell you about when they offer you the service. I also use this bank for their direct deposit services and to also pay my personal bills. I have found that this bank will wait til the company that you have to pay draft their money out but the bank will hold it for days before releasing the money leaving you to think that the bill is already, but in reality its not therefore you spending money that you think you have, but you really dont. Resulting in a overdraft transaction as well as an overdraft fee in which if your pay date is not until eight days you will be charge the fee of the bill, the overdraft fee of $34.00, plus another 35.00. Which puts you even futher in debt. These type of practices should not be legal and in the case of Woodforest Bank, it may not be legal.