They have changed their policies to "real time." The change apparently happened last year and I only now know the implications. Now they can charge you for a pending fee. My account showed positive balances yet they charged me two fees. They told me I cannot trust the online banking function that is supposed to be in their "real time."
They failed the government's stress test. I presume the 34 billion dollars that they must obtain in order to stay in business is leading to their changing policies.
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