Had lost job not much money and saw this AD "FREE checking NO hidden fees" so joined Wamu. (Which is Chase now)

I can give a few examples.

I had two checks coming in which I wrote to merchants on a Sunday the checks would come in Monday or Tuesday so I go to bank deposit $500 on SUNDAY night via ATM to cover these checks.

Chase places $400 on hold but $100 available they BOUNCE both checks on Monday or Tuesday BUT if I look at my account ONLINE it does not show UNTIL the 2 charges of $33 have been posted IN SPITE OF THE MONEY BEING THERE IN MY ACCOUNT but on hold ? They bounce two check charge me $66 and the merchant charges me 35 x 2 = $70 extra. One of the checks was bounced due to shortage of 50 CENTS!!!!
I use another bank that clears the ATM deposit and makes it available the NEXT business day, it also pays checks or items even if it goes over the over draft limit up to $1. WAMU does not, a single penny over they charge you.
Just yesterday I had a balance of $10 in my account. I had two charges coming in Charge 1. = $1 and Charge 2. = $65 on same day. They LET the HIGHER $65 charge bounce FIRST there by charging me NSF charge of $33 and then let the smaller $1 bounce there by charging another NSF charge of $33. THEY COULD HAVE LET THE SMALLER CHARGE GO THRU BUT THEY DON’T. NOW I END UP PAYING TWO NSF CHARGES TO CHASE AS WELL AS THE OTHER PARTY = $140 total!!!!
NOW IF I see my account online like I do with other banks and see the check coming IN I would go to a branch and deposit extra money to cover it same day even though I have cash which they place on hold But my online statement does not show what checks or when it ONLY shows the 2 charges at later date!! REMEMBER : I DO BANKING / ONLINE BANKING WITH OTHER BANKS AND I COMPARE SIDE BY SIDE!

Another e.g. I make credit / debit card purchase or a ACH charge. THE CHARGES DO NOT SHOW UP OR GET DEDUCTED FROM MY ACCOUNT UNTIL FEW DAYS THERE BY CREATING A "ILLUSION" THAT I HAVE MONEY AND MIGHT TEND TO SPEND IT AND THEN LATER GET OVER DRAFT CHARGES. MY other bank DEBITS my account as "Pending charges" so I see the CORRECT balance in my account and not over draw!!
Creating wrong balance illusions and delaying charges coming IN are some of the Banks Tactics to get as much in overdraft and other charges from its already poor customers!
YOU CAN TALK TO MANAGERS SUPERVISORS THEY PAY NO HEED.

The ONLY thing one can do to retaliate is Order the FREE checks over and over for months and months (you cannot order more then once a month as they take 3 weeks to arrive) and cause the bank to incur the check printing and mailing costs.