TD Bank Seabrook NH $175 OD FEES FOR .72 CENT ERROR SO THE FIRST $35 FEE CAUSED EVERYTHING ELSE TO BOUNCE AND THEY ARE MORE LIKE BANK OF AMERICA NOW REFUSING TO REFUND THE OUTRAGEOUS FEES - TIME FOR ANOTHER CLASS ACTION LAW SUIT FROM SSI RECIPIENTS WHO APPEAR TO BE THEIR NEWEST TARGET Seabrook New Hampshire

Let me first start off by saying is it bad that you got charged an Overdraft fee for $0.72?  Of course it is, BUT(and this is the important part) it is what you agreed to when you opened the account.  Yes, those pages of terms they send you do actually mean something.

You stated you agree that the first $35 was your fault, and that they are giving you $70..that is $105.  This leaves a difference of $70.  Now, if $70 is the difference between you eating for the month, and having to live in thier parking lot.  You have bigger financial issues than this.  You say "technically" you shouldn't be charged a fee because you got the  money back the same day.  Well it doesn't work that way.  The only thing "technical" about this is their policy and unless you have it in writing that says a deposit the same day will negate any overdraft fees the fee is valid. 

As for the "Class Action Lawsuit.(add erie echo here)".  The media really pulled one over on you here.  The only people that make any money in these is the attornies, and sometimes the lead plantiff.  If you are just a member of the "Class" if the suit eventually settles(average time 3-5 years) you may get enough money for a nice dinner.  If you think that the suit would be some knight in shining armor that will make the entire world better...you have a rude awakening coming to you.

By the way, yes banks have been sued for Overdraft fees in the past, and not a single suit..not one...has made these fees illegal.  There isn't a single law or regulation that has ever made the fee illegal.  What the suits were about is "disclosure" of the fees.  But again as I mentioned most banks have made sure that this isn't an issue anymore.  Of course if you don't think you were propery informed of the fees, you can try to start up a new suit.  Unless you have some super "smoking gun"(that you failed to disclose here), just be prepared to pay an attorney several thousand dollars up front to even take a small look at your case. 

A small word on "pending" transactions.  The only reason a transaction is "pending" because YOU attempted to spend the money, and that money has been allocated to the merchant.  Unlike the days decades ago you could "float" a check for a few days.  Today the "float" no longer exists, if you do not have the money in your account and available when you swipe your debit card or write a check you could subject yourself to an overdraft fee.   Yes, even with checks.  Many merchants today will convert the checks to an electronic check. Meaning it could post the same day you wrote it. 

Oh and no I do not now or have I ever worked for any bank.  I am just letting you know some basics.