RBC Bank- Alabama Abusive Overdraft Charges - should be criminal! Birmingham Alabama

I can't believe I came across this post, I had the same problem. When my bank changed into RBC in Birmingham, I started having problems. Before that, no problems at all- First American was always helpful. My debit card was set up to be denied if I my account didnt have sufficient funds - I am a college student who normally has a small amount of money in my account so I counted on it being denied if I didnt have money. Well, RBC charged me like 45 bucks for an ovedraft, and it was my first overdraft! Wouldn't you think they would forgive you the first time?? Not to mention- I had thousands of dollars in the joint savings account. Why the HECK wouldn't it take it out of that?? I went to the bank crying- I was so upset I couldn't help it. They gave me 20 dollars of the money back and I told them I wanted it to DENY my card next time and she said shed try to set that up or some bullshit. Next thing you know, I overdraft again and I have 160 dollars in fees. Now rememeber- thousands of dollars in the joint savings account. Made no sense. The bank I had before were friendly, forgiving, and more logical and then it just changed into awful RBC.

I closed the account, althought- like you- it took forever because I was waiting on a restaraunt purchase to go through which took a few days. And I kept going back daily and it hadnt gone through- I couldn't believe it.

I now have wachovia and LOVE IT- if I overdraft, it simply pulls it out of my savings account! also, they gave me and a friend who reccomended me to wachovia both a 25 dollar visa! I guess that made up for a little bit of all the other fees..

this is not a ripoff. These are the fees you accepted when you decided to keep your account at RBC. During the merger you would have been sent a new schedule of fees & services that listed the overdraft and non-sufficient funds fess. By keeping your account open, you agreed to these fees.
And it is up to the company as to when the request for payment is made. If you use your card as a debit card, it will post the same business day or the next business day. Also, if you keep a register of all transactions then you know what you have left to spend.
The deal with the check is not the bank's fault either. When the individual said they had destroyed the check, you should have placed a stop payment on the check. Since you didn't and the individual lied and cashed the check the fault would belong to the individual for lieing to you and you for not covering yourself.
And yes, if the card purchase had been approved before the account was closed then it had to be paid when presented to the bank. Why didn't you look in your register and realize that it had not posted from your account yet?
The fees are standard for any amount overdrawn. An item that overdraws you by $0.01 is accessed the same fee as one that overdraws you by $100.00. Again, proper use of the register can eliminate these fees.