Wow, some pretty snarky and condescending comments on this thread.

I happen to be among those who think that even the best money managers sometimes make mistakes. It pays to have a bank that understands that and will be flexible for you - especially if you're a customer in good standing that doesn't get NSF charges constantly. I totally understand a bank charging for NSF if the customer constantly does it and makes no attempt not to.

I had this happen to me this past week - I was pre-occupied with a sick wife, work, etc. I forgot about a bill that is a direct debit and transferred over a $1000 out of my account to a savings account before the bill was paid, causing 3 NSF charges of over $102. I got them to reverse all but one of the charges, but you would think for a customer who this has never happened to, and obviously doesn't make a habit of it they would let this slide just once. But no.

Of course I realize that it is my own fault, but I think its just bad policy (although still good business) for the bank to charge a person overdraft fees if it is their first time doing it.

I'm going to be switching back to my old bank that gave free overdraft protection on the accounts where if by accident you did overdraft, they just extend you a line of credit - so you'll end up paying pennies instead of $34 or more dollars every time.