Bank Of America, Citibank, JPMorgan, Wachovia All The Big Banks: Wachovia dictates use of savings Egg Harbor, New Jersey

What you experienced with the savings account holds true at any bank. There are federal rules which limit the number of transfers out of a savings account in a given month. They're spelled out in the terms and conditions for the account and are pretty much the same for any savings account in a U.S. bank. You should consider making fewer, larger transfers to stay within the limit. Or, if your planning on closing the account, just have them close the whole thing and move the entire balance to your checking account.

 From the Wachovia savings account FAQ :

Federal regulation limits outgoing transfers to third parties or pre-authorized transfers (including overdraft transfers), or transfers made by telephone or personal computer, to six per statement cycle. No more than three of these transfers may be by check, draft, or check card. A fee may apply for exceeding withdrawal transaction

-Preposterous or not the bank was right.  If you have a problem talk to the Government about Regulation D(Reg D).  That specifically limits the withdraws you can make out of an "Interest Bearing Account".  I am actually happy to hear that they at least notified you of this in advance and didn't just start hitting you with the fee.

I inadvertently withdrew 40 dollars from my savings at the ATM. I meant to withdraw from my chequing account. I was charged a 45 dollar excessive withdrawal fee!

- That was your mistake and as they notified you they are required to do this by Government regulations.  The same thing would have happened at any bank.

I once had someone deposit two cheques concurrently. A supposedly lost cheque, and the replacement I had given them.

- Your problem is the person that cashed BOTH checks.  Unless you had put a Stop Payment on the check, the bank has no idea that it should not be paid.  In that case it would be a case of a Bank Error, and they should make it right.  But if there was no Stop Payment you need to go after that person for not only the extra $325 but ALL of the fees they caused.

Even with the fact that it is Government regulations and another person that caused your fees.  I will leave it to other well meaning people to post how you are still a victim of the banks policies.