I balance my husband's and my checkbook every day on an excel sheet that automatically adds and subtracts whatever deposits or debits/withdrawals I make. At the end of every month, I print out the statement from M&T online banking and compare it to my register, highlighting every single transaction as I go along, just so I'm sure I haven't missed one on the page. Well, ever single month, I somehow have at least $80 which are unaccounted for. Yes, going through the printout I usually find one or two transactions I've missed, but they're usually a trip to McDonald's or something. So, I add that discrepancy to my register, so I can be sure that the next month, I am beginning with the correct balance. So how is it that every month, I still have these discrepancies that I cannot account for, even by going back months in my online statements?? I looked on my account this morning--when, according to my excel sheet, I expected to have about $120--and I had a balance of $0 and M&T had transfered about $35 from my overdraft protection! I consider myself an extremely organized person when it comes to banking: I keep absolutely every receipt, I know when every one of our bills is due, and like I said, I balance our checkbook every day, since it's right on my computer desktop. Is M&T stealing from me?? Has anyone else experienced this problem?? Where are these hundreds of dollars going that I can't account for? I'd like to switch to another bank, but everyone I know seems to think that M&T is the best, so who else can I trust if I am not sure I can trust M&T??