I am a US Bank NA customer & I have a complaint about the way the bank charges overdraft fees. The bank will tell you that you have until XXXX to deposit funds that will be credited to your account the same day. Yet I have checked my account as late as XXXX in the morning & it will show a positive balance only to check again later in the morning & find that they have processed checks, added to my account for the previous day which makes it overdrawn. They then charge me overdraft fees for those checks and/or debits added the previous morning. This seems to be a way for the bank to continuously collect overdraft fees. If I knew there were outstanding debits that were going to hit my account on a certain day I could try to cover them. When I do n't know then I assume my account is in good standing until at least the next banking day. This definitely puts the consumer at a disadvantage. If XXXX is the cutoff for a business day then the bank should not be allowed to post debits to accounts the next day as they have done to me on numerous occasions. I can only imagine how many other customers go through this. 
