i use wacovia. i have had no problems with them, been with them for over 10 years. one time my account got hit buy 3 $75 charges that were not mine. i got hit by 3 $30 over draft charges too. the account only had $10 in it. i called the bank told them it was a boguss charge. they froze my account and told me to go to my local branch and speak to a rep. when i got there the lady was expecting me. all i had to do was sign a peice of paper for each of the over charges and within 24 hours they had refunded my $10 and got the leans off my account. they even closed my old account and set up a new on with different numbers just incase someone had goten my info somehow. i like my bank! lol but i am sorry about yals experence. banks are just like insurence companys, all they want is your money, they dont care about you! lol

dale