Wachovia Bank
Make the first $100.00 on atm deposits available, then charge fee when used. Raleigh
I keep a tight checking account. I made a deposit after the cut off time of 4pm through the wachovia atm at the branch. After making the deposit, the available credit rises the first $100.00 of the deposit. So in other words if you have $100.00 already in the bank, you make a deposit of $500.00 ...