That’s weird to me, but I’ve also been banking with my bank for over 20 years now plus it’s a credit union so maybe it’s different for me because of one of those things. A $45 NSF fee sucks man.

Bro have you never had a pre-authorized payment? My payments go out the day I get paid, but I don’t get paid till the afternoon, my account will be in the negative untill I get paid. If I don’t deposit money by midnight the payment bounces back and I incure a NSF from my bank.