Charter One's Customer Service people told me I had one business day to make good on an overdraft. When I called the phonebank and learned my account was overdrawn by a $12.00 debit card transaction I transferred more than enough money from another account to cover it - the same day! That's when the NSF charges started and continued for ten days. I called Customer Service to stop the NSF until I found out what the problem was. She said she couldn't do that and I needed to go to a branch. She also said I had a business day to take care of an overdraft and she asked if I wanted to lodge a customer complaint. Of course I said yes and was informed that I would be contacted in 24 to 48 hours. I then went to the bank and the manager said I had a business day to take care of an overdraft but she couldn't stop the NSF's while the problem was resolved but she reassured me that someone would call. She asked me if I wanted to bring the account current and I said No because the NSF charges were not warranted and I wanted them removed. I did get a call 4 days later. The customer service rep left a voice message for my husband saying they weren't going to rebate anything on my account. I called the phone bank to learn I had a zero balance and upon further investigating I learned a deposit was for $370 was made. They took money from an account I use for business to cover the OD on this joint account. They did this the same day the customer service rep called. Yes, I called customer service and after explaining that I didn't authorize this transaction and I didn't feel the NSF charges were justified and I wanted my money put back she said there wasn't anything she could do. I asked to talk to her supervisor. The supervisor said they were perfectly within their rights to take the money to cover the shortage. Even though I had a business day to cover the overdraft (which I did) I disputed these charges, no customer service person called, they took money without my authorization. Needless to say, I will be contacting some higher-ups in Charter One and I'll keep going until I get satisfaction. This happened to me before and I bit the bullet and paid. I sure wish I would have acted then.