Alright... So I am open to the possibility that I may be at fault but the way I see it. That is hardly likely.
I opened my account with U.S. Bank due to their "Catch 75" program which actually was a really great deal and I commend them for that... However. Only a few weeks of having this account, things went sour. Here is the play by play.
I had $17.— and some odd cents as an "available balance" in my account (according to the convenient 800 service number located on the back of my card), so I used $14.— and some odd cents at the gas station which should have left me with about $2.00 if that.
A few days later I log in to my account and see that I initially overdrawn by -$187.00 because suddenly EVERY purchase I made in the past week had an overdraft fee.
I called the branch where I opened my account and they gave me this lecture of "Its your responsibility to check your account daily" and blah. Blah blah. Even after I told them that I check it everytime before I make a purchase of $10.00 or more just to be on the safe side.
Now on top of that, everytime I check my account its more overdrawn because US Bank has this fantastic new program where they charge you $8.00 per day that you are overdrawn! So now, if I only get paid 2 times a month, am I supposed to just allow my account to get charged $8 each day that I wait for my paycheck? Well crap. I've got 5 more days to go so I guess I can look forward to another - $40.00... Yay for me and for the others in the world that have to wait while another $8.00 is about to be ripped from their pocket per day that they are over drawn! There is no way this can be legal. I got the statements in front of me and it does not add up no matter how many times I go over it.
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