Nevada Federal Credit Union bad banking services Las Vegas, Nevada

I opened an account with Nevada Federal Credit Union as they advertised to be a second chance bank.I had one item against me and could not find the info to correct it and had a large check to cash and was going to be having this checks come to me monthly and did not want to sit on them. First it was going to take 10 days for the hold on the check to be released which I thought was excessive but was o.k. with and they told me I had a 500.00 a day limit on debit transactions and 100.00 limit a.t.m. withdrawal. The first day I used my debit card was at a restaurant and it was late at night and a few other things that night. The 3 days later I tried to use my card to buy new glasses and it would not go through. I called them and was told I have met my daily limit yet I had not used my card that day yet they said my transactions from 3 days ago posted today. That to me is not a 500.00 a day limit. I was told they would extend my daily limit for that day but normally I would have to come into the bank to have that done. Now mind you I have 10000.00 or more in my account yet I feel like I am being treated like I have bad accounts all over town and I only have one ding against me. In the meantime I found the info I needed to take care of my issue with check systems so I can open an account with a real bank that don't treat me like a criminal. I go to close out my account with them and am told I can not due to a pending transaction. I go to the a.t.m. after that to get my daily 100.00 and the machine tells me I have met my daily limit.  I go back into the bank to find out why I can not withdrawal money and was told I exceeded my daily limit cause the 100.00 I took out on sunday posted today. Once again that is not a 100.00 a day limit to me they allow me to withdrawal money after they push it through. I return a second time to close the account and the manager cut my a.t.m card and then says I can not close it yet there is a new pending transition. Now I can not close my account and can not access my account. I went in a third time and still the transition has not gone through and had a new a.t.m. card made for me and took out all but the transition amount. I get  a call a day later from the manager telling me that the freeze on my account is over although the transaction has not gone through but we can now close the account  and i can come get a cashiers check for the remainder amount in my account. I think good I am done with them but I am not. A month later I get a call from there collections department saying my account is over drawn for almost 200.00 cause that 40.00 transaction went through after I closed the account and there are fees including a maintenance fee on the closed account. I am not sure if I am legally obligated to pay this to them when they allowed the transaction to go through on a closed account.