On 06/14 I was charge $140 overdraft fee when my account still had $4.58 left. The next day $40 was deposited and further transactions occurred that the $40 would have covered if not for the first $140 fee. A total of $245 has been charged to me in fees. I've just realized the error today (7:08 AM, 06/25, a Sunday) because I was checking if my pay-check had cleared. This is more than just an inconvinence, my rent & utilities is due in 10 days.
As a matter of full disclosure: Yes, this is not my first time overdrafting; I have in the past overdrafted with wachovia (assumed it was my fault,) and accepted reponsiblity to pay. I found the fees to be outragous and was in the process of closing my wachovia account. As a matter of fact I had tried to redirect my direct deposits to my other bank account however failed to do so in time.
Here is an unedited (copy &) paste of my online statement and I have saved a copy of the entire HTML page & screen shot:
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06/16 other overdraft/unavailable funds fee $70.00 ($217.64)
06/16 purchase purchase quick tag id tags 06/14 $4.00 ($147.64)
06/16 purchase purchase quick tag id tags 06/14 $4.00 ($143.64)
06/15 other overdraft/unavailable funds fee $35.00 ($139.64)
06/15 purchase purchase taco bell #2923002 06/13 $9.22 ($104.64)
06/15 deposit automated credit nfcu ach ach $40.00 ($95.42)
06/14 other overdraft/unavailable funds fee $140.00 ($135.42)
06/14 purchase purchase chick-fil-a #00228 06/12 $2.35 $4.58
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