some of the overdraft fees and low balance fees are rediculously high. For example, my friend says he had a $30 low balance fee…??? Gimme a break, I’m not even earning that much interest in one year. They take it out when your balance drops AND for each month it remains under the minimum balance!

But honestly, if you keep enough money in your account you should be fine. Also, all you have to do is read the account agreement, or you can call customer service and just ask them. It is boring but you should be able to find out what you need to know. If however, something isn’t mentioned in that book or by the call center rep, then yes that policy or fee is unethical.

It’s not unfair. Check clearance times are set by Federal Law (Check 21 and Reg CC mostly). Ask for a copy at your bank.