Leave a little in there, just enough to cover items see how they treat you. Let me tell you how right you are. I have slowly started switching accounts. Everything's great when you have a few thousand in the bank. Have 300 and that all changes. I have checks that they "say" have cleared but absolutely have NOT. They don't even provide images of the checks in question because they ARE WRONG. Got all the proof. So payment wasn't made (3 times) more than enough funds in my account but I get a 38.00 insufficient funds fee??? Look up all the checks and I start with the ones I have no issue with. All check images are immediately available until I start entering check #'s that they screwed me over on 4 times. When I had 4,5,600 in my accoun t and a $75 writted check and a $75 scheduled bill pay check which DID NOT CLEAR (THEY LIE) got a print out from my credit card company. Don't know how you can do this to honest hard working people (THAT ACTUALLY HAVE MONEY IN THE ACCOUNT WHEN CHECK SHOULD HAVE CLEARED. This is why I have not closed this account and slowly moved to another while still using this one as a struggling costumer. The lomger I keep it open with just enough money in it the more they screw me over. I've almost got everything I need. 3 months of this crap. It's wild how they treat you when you are just scrapping by.. Truly a shame. I could go on and on here but I know you all are getting my drift. Choose a different Bank like Oxygen or Aspiration even wells fargo. If you look at the images and the dates you can clearly see I had plenty in there to cover my check. FYI my payment was not made it was returned at BBVA's request, it stated that on my credit card statement. Also they cannot provide a picture of the check for some reason. anyway THIS is just ONE example. There are more - Alot more. The have hearts. And son't charge fees EVER. User's recommendation: There are lots of other nline banks that don't charge any fees EVER and you can get ahold of CS on the first try.