A few things: 1) We've had good experiences with the bank formerly known as Union Bank & Trust (recently merged with some other "Union" bank, now at bankatunion.com, as I recall.) 2) Technically, that's not "overdraft protection"--O.P. Generally means a link to a savings account. 3) Union does have an unstated $1K negative allowance which will let overdrafts clear for a $30ish fee; O.P. Is a lot cheaper and better, honestly. Also, they will allow you to turn off that feature and just reject overdrafts--but there's still an NSF fee, -plus- whatever the vendor charges as a fee for a returned charge, which can be exorbitant, often $35-100. 4) I never expect credit/debit charges against my check card to show up online/in the account quickly. 5) Technically, she was right about "using the register", even if her attitude was inappropriate. If everything is written down on paper and summed, there should be no surprises (unless you forget about an auto-debit, for example.)
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1) We've had good experiences with the bank formerly known as Union Bank & Trust (recently merged with some other "Union" bank, now at bankatunion.com, as I recall.)
2) Technically, that's not "overdraft protection"--O.P. Generally means a link to a savings account.
3) Union does have an unstated $1K negative allowance which will let overdrafts clear for a $30ish fee; O.P. Is a lot cheaper and better, honestly. Also, they will allow you to turn off that feature and just reject overdrafts--but there's still an NSF fee, -plus- whatever the vendor charges as a fee for a returned charge, which can be exorbitant, often $35-100.
4) I never expect credit/debit charges against my check card to show up online/in the account quickly.
5) Technically, she was right about "using the register", even if her attitude was inappropriate. If everything is written down on paper and summed, there should be no surprises (unless you forget about an auto-debit, for example.)
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