I have a checking account (and almost penniless savings) with a huge, well-known west coast bank. The last few months, the bank has been creeping me out to no end. I have "online banking" but I still insist on the old monthly bank statements.
Anyhoo, watching mysterious "overdraft" fees magically appear on my online account one day and then mysteriously vanish the next day is getting old.
Yesterday, my unemployment insurance went through in deposits but before that, the bank was trying to auto draft my monthly ISP bill plus some weird "overdraft" fees (the ISP is a whopping 45 bucks a month) and I only had like $30 in checking at the time. The catch is, I checked and the auto draft for my ISP bill wasn't supposed to go through for another 48 hours. WTF?!
It's like watching a fucking game of Three-Card Monty.
To paraphrase Bill Maher: "Stop trying to sell me online banking shit to make my money safe. I put it in a bank because BANKS are supposed to be safe!"