I leave Wells Fargo for their method of clearing checks, horrible customer service, they really do work for the devil they do not care about customers etc..so I open a new account with Regions!! My 1st experience with fees was so bad, I told them I do not agree with it so please I want to Opt-out..turns out Opt-Out does not mean you will not be screwed! I used my online statement, text alerts, never once was I told my account was negative but I still got charges two insufficient funds fee even thought "I opted out does not control the way the debit/credit transactions clear" I was told this at the branch, she pulls a copy of the 'real' report which does not make sense nor can she explain, and does not care to understand my point of view. if my online statement and text alerts are not accurate then why do you have them? no answers at all simply that they do not handle the clearing of card transactions..These banks are easily targeting people who are not wealthy it is easier and she still has the nerve to tell me it is my fault, I told her that never once did my account show negative and i always text alert to make sure all is good with my account. The blame the vendor/client the way they submit their transaction, it is all lies and a sneaky way to get money. I am so fed up..first Bank of America, then Wells Fargo and now Regions...

Just because a debit hasn't posted to your account yet, does NOT mean you get to spend the money again. It's much easier to keep a check register than to be checking online every time you turn around. Use some common sense, folks.