My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did! 
