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Many banks now do the "overdraft protection" fee as a "service" so that no one gets bounced checks. Bounced checks are more of a hassle than just going ahead and honoring it, then charging you for the privilege.
Last fall, because of this "courtesy"(as they call it), we were charged $238 in total NSF fees because the spouse went on a debit card spree and nothing came up as wrong. When I went into my local branch seething, the CS insisted the best they could do for me was reverse two of the charges ($68) as a "courtesy" and suggested I watch our account closer. But, like Cyn mentioned, if checks are outstanding or if one or two things are amiss(I've had checks lost and checks taken for the wrong amount), and I go to check balances online, I'd still be incorrect. Then when they start charging for NSFs, I have no way of knowing why I'm short until the statement comes.
Yep, they call it a "courtesy".....
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