Fees: Being charged with these types of fees is solely the responsibility of the banking customer. The bank is simply the keeper of your money. They aren’t responsible for your bills and how you manage your account. You freely admit that you overdrew your account - “we were off by one day thinking that a federal holiday would have postponed some items clearing”. So I ask you, have you done the same thing before? Have you ever been charged fees before and have them waived after you explained your situation as you were so prepared to do this time?
Accountability: I quote you again, “I only hope that one of her superiors see's this and is persuaded disciplinary action, after all, NO ONE IS ABOVE THE LAW”. Above the law I ask you? Who’s putting themselves above the law? The bank broke no laws, you broke the law and the fees are the price you had to pay. Just be thankful that you weren’t charged criminally, because writing bad checks is criminal.
Smiling Faces: That’s called customer service and self control. I’m sure that she really wanted to tell you more than to leave the premises when you started pointing you finger at her. Knowing how to deal with angry customers on a daily basis is an art that few have
In closing, you are venting here and slamming an individual and their employer’s policies for your own failure to manage you finances and pay your debt. To you considering other banking options, you might find this shocking but all the banks have overdraft fees.