Regions Bank ,formerly Amsouth Bank Regions Bank does the same St. Petersburg Florida

"Not referring to debits. For example, I wrote a check on Wednesday and my paycheck direct deposit was Friday. Regions Bank would receive the check on Friday but they would process the check using Thursday's date (even though they did not receive the check on Thursday) so it looked like the check was received and cleared Thursday before the Friday direct deposit."

- So you wrote a check when funds were NOT available in your account. You were relying on the float, that is writing a check hoping it clears after your deposit goes through. I can tell you the thought that a check won't clear for at least 2-3 days is a myth. With electronic processing a check can actually clear the same day.

Now if you have PROOF it came in on Friday and they posted it on Thursday I am sure you will find a few lawyers who would love to take this on.

Not referring to debits. For example, I wrote a check on Wednesday and my paycheck direct deposit was Friday. Regions Bank would receive the check on Friday but they would process the check using Thursday's date (even though they did not receive the check on Thursday) so it looked like the check was received and cleared Thursday before the Friday direct deposit.

Do I read correctly? You are complaining because a withdrawal that you made BEFORE a payroll deposit caused an overdraft? The second you swiped your debit card is when that transaction legally occurred. You can't cover it by a deposit two days later, you are already overdrawn.

Did you authorize those transactions before the deposited funds were available? If so, then you overdrafted your account and the fees were justified.