I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been. 
