With overdraft protection, if you are planning to make a deposit the next morning, to cover a check written the day before, your bank will cover it immediately as soon as banking hours link up with the federal reserve the very opening second the next morning. The transaction will not wait until batching the same night as the deposit, thus accelerating the overdraft protection before you can get to the bank that day. Thus charging the customer a fee. Also demand the bank’s FEIN #, W-9, to send them a 1099 tax calculator for charges for this and also cashing checks drawn on that bank where you do not have an account. Hold up 20 people in line until you get it. Creative fee catching on the backs of customers. The thanks, we the taxpayers, get for pulling their theiving @ss out of quicksand.