US Bank ripoff Hillsboro Ohio

Oh my do I have a story for all anti-US Bank consumers...
I've banked w/ US Bank for about 6 years and never had a problem until recently. My husband has been off work on short term disability and only receiving 60% of his pay, so money has been a little low and US Bank is exploiting my situation.

It all started Dec 30th when I woke checked my bank account online (which I do 3-4 times a day)and saw that my husband's paycheck had been deposited and my balance was well over $1500. I let my husband know this before he left for work and on his way he filled his gas tank and took $ out of the ATM for lunch. At 9AM, 3 hours later, I checked my balance to see two overdraft charges of $30 each. The bank had slipped his morning charges in front of his paycheck direct deposit. Had I not been closely monitoring my account, this could have had disasterous results. I called the 1-800# and after 45 minutes of explaining what happened I finally convinced a supervisor to refund the charges. No $ lost but a big waist of my day! Keep reading it gets better...

Two weeks later similar situation-
I realize I've forgotten to take a $15 check out of my check book and if it clears I will be assessed another fee. I promptly run to the ATM and deposit $25 cash(1-23-06). I go home check my account (remember I do this obsessively) and all is well. I wake up the next morning (01-24-06) to 2 fees of $34 each!!!??? I call the 1-800# and the CSR informs me that the deposit was not posted to the account until 01-24-06, the following business day, because I went to the ATM after 6 pm on 01-23-06. Of course, I already know that $100 of an ATM deposit is available immediately no matter what the posting day. ****keep in mind, my accnt balance was never negative, the fees were charged because of a neg. available balance (which wasn't even acurate)*** I ask to speak with a supervisor, I get LORI. She informs me that the fees can not be refunded because the ATM deposit was not made until 01-24-06 at 5PM?? Yes, apparently the supervisor forgot to discuss the situation w/ the employee. Of course we argue over the date of the deposit. Lori then informs me that I will need to take my ATM deposit receipt into a bank branch to provide proof of the date and time of the deposite because she will not refund these charges as US Bank was "kind enough" to reverse charges for me two weeks earlier. KIND ENOUGH?

I began checking online to see if banks have an ethical code and come across another horrible practice of US Bank which gets me thinking.

I took a closer look at my account to find the withdrawls listed form largest to smallest amounts, however, some of the charges occured days apart. If the bank had deducted the amounts in the order they were charged to the account, I would have received only 1 fee (That is if I had actually overdrawn my account-which I didn't).

I'm confident I will receive a refund once I find the time to take my ATM receipt into the bank, but I'm appalled at this banks policies! Who is watching banks like this and how much money do they steal from the people who do not have the resources to check their account as frequently as I have?

Banks and their employees should have ethical guidelines to follow that would protect consumers from this kind of theft!

Molly
Hillsboro, Ohio
U.S.A.