Banks are indeed incredibly frustrating. I recently posted a rant on Chase bank which I'll link below. They really do make it unbelievably difficult for you to monitor your balance properly, which is why I don't rely on the bank to tell me how much money I have - I keep track of it externally and the bank is more or less a verification. If there is ever a conflict, I go with what my tracking indicates as it's almost always the lesser amount.<p>A relative works in the banking industry as a branch manager and they literally have goals on how much they're supposed to collect via fee's, especially overdrafts. These goals alone can make or break quarterly bonuses and yes, they do indeed make a LOT of money from them.<p>I realize that overdrafting is in almost all cases the customers fault, but in my mind a bank should be loyal to its customers in the same way a customer is loyal to the bank. If I've been with a bank for 10 years and I overdraft 30 cents, cover it for me or at least reverse the fee without question if I call and ask about it. Often times, the banks are also meeting quota's on how many reverals they're allowed to give per day, month, quarter and per account. Call them at the wrong time and your plight won't matter, they'll just deny you. It really seems like customer service is no longer a top priority in most banks, perhaps not even in the top 5.<p>Unfortunately, as much as I'd love to see progress and change made in this area, I simply don't see myself ever giving my money to a bank or credit union that isn't well established unless I have some expendable income that I could test the waters with.<p><a href="http://wesleyjohnson.posterous.com/chase-bank-sucks" rel="nofollow">http://wesleyjohnson.posterous.com/chase-bank-sucks</a>