Update by user Apr 13, 2018 Resolved to my satisfaction...full refund sent promptly Update by user Mar 21, 2018 After writing my initial review, I sent the Customer Service Rep and the Branch Manager an E-mail explaining my dissatisfaction with the situation...and I explained that I was going to start posting negative reviews on social media and consumer review sites. Within 24 hours, I had an email from a Senior VP and the Chief Retail Officer. He looked in to my situation and agreed to send a full refund to me. That refund was promptly sent and I had it the next business day. So...I want to give credit where credit is due and I was ultimately treated fairly in this situation. It is a shame that the Branch Manager could not have done the right thing from the start...but in the end...they did the right thing. And I do appreciate that. In my email...I had explained that the potential loss of customers from my negative review campaign will far outweigh the fees that they were charging my 20 year old daughter. The Senior VP understood the power of a negative review campaign....and we have been refunded the money thanks to his fair business sense. Original review posted by user Mar 14, 2018 My daughter (a college student) started an account at this bank and set it up that it would NOT allow overdraws. She has a subscription that was set up on monthly EFT (for $10). While she was home for winter break...the subscription charge attempted a withdrawal. The bank declined the charge. So they company attempted again....and it was declined. But the 2 attempts resulted in two $38 charges even though the account never went negative. As a result of the two $38 charges....the account became a negative balance. So they sent her a letter to her college address. Since she did not get the letter until she got back to school....they started charging daily fees. When she got back to school...she was informed that she owed over $320 in fees!!! And this is for 2 attempts to withdraw from her account that they did not even honor!!! Absolutely absurd. I talked to the bank and they would not waive the fees. I instructed my daughter to close the account and open one at a different bank. I would advise anyone considering this bank to look elsewhere!!!