Truly awful. I would call it an organized criminal endeavor but that would be a slap in the face to the mafia. The banks sole desire is to overdraft your account. If you attempt to make a debit and are short even less than a dollar they will decline the transaction, which is understandable; the real issue is they will then charge a "fee" in order to put you even further in the negative. I have never in my life a any reputable bank charge an ISF fee for a transaction they don't cover. The sole motivation on their part is to get you to do a "fresh start loan" to bring your account back to positive, of course the interest rate boarders on payday loan interest. I stopped doing business with them and never, ever had the sort of issues with my current bank or ones prior. Please do not do business with them fir any reason.