After numerous troubles with fraudulent charges, unjust service charges, poor customer service and policies that change to suit the bank, we decided to bank elsewhere. In trying to make sure that auto charges are being switched over to the new account, I checked the account yesterday morning and found that XXXX auto-debit was floating and needed to be addressed. I immediately deposited cash to cover the " pending '' charges. During our problems with fraudulent charges, we were informed that " pending '' charges could n't be disputed or stopped because they had not been honored yet and we were forced to wait three weeks and face late fees from our mortgage institution and utilities because we had to wait a long period of time to have the charges investigated because of their " pending '' status. Additionally, according to their online banking site, there was XXXX item pushing my account to {$6.00} overdrawn and then they delayed processing the cash deposit so they could charge another item fee, therefore totaling XXXX item fees. When I checked this morning XXXX of my insurances had erroneously billed their account instead of the new account and I rushed to make the cash available. I was told that this " pending '' item was already being honored and that even if I got my insurance company to reverse the error, they would charge another item fee. I am complaining, because when the opportunity suits them " pending '' transactions can be held in cyberspace and the financial stability of my family can be left in limbo for days and weeks, but I can not address erroneous charges while they are " pending. '' I have no way of correcting or disputing charges without incurring fees anyway. Cash deposits should be immediately available funds and be able to be applied to charges that by the bank 's own admission have not cleared their institution yet. It leaves consumers powerless to prevent fees in erroneous situations while pursuing action against those improperly billing. Charging fees for charges yet cleared while not immediately honoring cash deposits only benefits the bank and unjustly penalizes the account holder. 
