YES. I see that finally someone experienced with NSB what I have been thru several times. Let's say that you notice that your account is going to be overdraft because of checks that are on the way. So you deposit cash, enough to cover, but also more to make sure. Then you spend something else with your debit (gas or groceries), making sure that you stay in the limits of your deposit.. ... The next day, you look at your account and find out that they charged you overdraft fee(s). How is that possible? Here is the secret...They actually take your overdrawn balance, apply all your debits, yes the ones that you did AFTER covering with CASH the overdraft, they apply a fee for each OD, and only then they credit you with the deposits... That's how they do it. And if you complain, since you are a "small bait" for them, their obnoxious and arrogant manager tells you that it's the way itis, it's the way the system works... S>C>A>M.
and also this:
I have banked at NSB for 8 years and never had a customer's check bounced. never. This bank is NOT SMALL BUSINESS FRIENDLY. You better have a lot of money to bank there, in which case they kiss your butts, but if you are a struggling business, they make your life miserable. They constantly put holds on checks, local or not, up to 7 business days for a $1,000 check. SEVEN, that's more than ten days counting the weekend in between. Everyone who owns a small business and struggle to make a living knows how much we depend on getting our money fast. But NSB couldn't care less. They hold the check for SEVEN DAYS supposedly because of 6 overdrafts in 6 months, 1 a month... A check takes 3 days max. to clear.... even sooner if they call to verify funds. So their policy is bs and discriminatory. The less money you have or make, the more they bury you. Stay away from that bank or be prepared to count on your savings and friends when you expect YOUR money to pay your bills because NEVADA STATE BANK won't give a d**n if holding your check puts you in trouble. DO NOT BANK AT NSB OR YOU WILL BE SORRY.