After a long while of phone conversation, they told me "no". I went into the branch and talked to someone there. They also told me "no". Then their spouse walked in; I'd known their spouse for years it turned out! They wiped the fees out for me. That actually pissed me off a little more... But I certainly wasn't going to tell them that.

I've not overdrafted since.

The second half of your conversation should have been to close your account and change banks.

Credit unions are the only banking institutions I will deal with now.

> That actually pissed me off a little more

I greatly admire that.

I had a similar situation happen at Bank of America except in my situation I wasn't relying on a single overdraft, I wasn't expecting any. They put in a transfer from my savings to my checking a day after they said it would go through and did the exact same sorting of large purchases to charge my multiple fees.

It took me two and a half hours to get the charges reversed, 30 minutes of which were spent in the nearest BoFA location until I learned I had to commute around town to go back to the original place I opened my account to even discuss the situation.

There has been a few situations in Australia where contractors / self employed business people have invoiced the banks for making them wait to be served in line. From memory the banks have paid those invoices, not sure that would work in the USA but if they wasted 2-3 hours of your time for which you can bill serious amounts on, then it might be worth a shot.

+1, thanks for sharing.

Should I move, I now know two banks I should not dream of doing business with.

heh, my phone conversations ended much the same. They told me to go to the branch where I opened my account as well. A state away. (As I mentioned elsewhere, I got them wiped off eventually.)