I realize you're going to see negative aspects from any bank. The fact is just stay above a zero balance. However, Wachovia's policies of organizing my transactions to assist them in charging multiple NSF fees is why I'm switching banks this month. And it's suspicious that when I have plenty of money in my account, the merchant I shop with on almost a daily basis "Publix" the transactions are applied immediately on my account. But once I start to have a low balance around $100 or so, Wachovia puts everything on hold to apply at a later time and blames it on the merchants. In this last case they deducted the holds, and even with that I'm above a zero balance. I make one transaction that overdraws my account so they charge me a NSF fee, and then say the holds are applied after the NSF fees even though they were deducted from my account and charge me NSF fees for that.