Hektore

From what you posted, it would appear to me, that when the do the figuring at the end of the day, they count your service charges first. So, if you overdraw, they take out the overdraft fee, then the money, thus causing more overdrafts than you would have otherwise had. Works out nice for them, but smarts in the rear a bit for you.

//edit: And it would appear that they're charging you an overdraft fee each day you have a negative balance.

My bank does something like this where they put a hold on large out of state purchases (say over the internet). But when they do your balance at the end of the day they do all the withdrawals followed by all the deposits. So, if you order something for $400 when you have only $600 in your account, they put a hold on $400 at the time of purchase leaving you with $200 then at the end of the day they take out $400 to pay the bill (putting your account at -$200 and creating an overdraft charge) then credit you back your $400 they had put a hold on. Usually they catch and fix it themselves but sometimes they don't so you have to keep an eye out for it.

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The advantage law is the best law in rugby, because it lets you ignore all the others for the good of the game.