Univest National Bank Controlling and obstructing access to money Souderton Pennsylvania

 There are a couple of things to figure out.   What specifically did this letter state, was it talking about your daily transaction limits or something like an overdraft amount?

If it was talking about your daily transaction limits was that $250/per transaction, $250/per day, did it include only on-line transactions or was it all types?  What was the reason they gave you?  As many times when a bank does this it is because they susupect fraud on your account(not fraud by you..but by someone getting your number), and they will put this temporary limit into place until they send you a new card. 

However, if this was a new limit on the amount they would allow you to "overdraft" that is something 100% different.  That means that this is a case where you don't have the money in your account and in reality are trying to spend "their" money.  In this case they are just saying that they are no longer going to allow you to spend their money and the reason you would have gotten declined is because you don't have $350 in your account.

Now, just a few things.   If by chance you truly did have enough, why didn't you try the other one even if it is for "bills".  As you could have made the purchase, and then done a transfer between the accounts.  Also, if you did have a credit card..same thing.   Make the purchase on the CC and them immediatly turn around and make the payment.  It should still be within a grace period, but even if not the couple of days it would have taken to do that would have been at most about $2 in interest.