I use Bank of America, they aren't all that bad, but htey can be very hateful when it coems to overdraft charges, and they aint bullshitting about doing you debits in order from largest to smallest, what they didn't tell you is that they also have a habit of waiting a couple of days to process certain withdrawals, especially if they see signifgant debit card useage. Last pay day I made a forty dollar error, I had been on the road all week, and had misplaced a diesel reciept, so I thought I had a little more than I did. At the begining of the week I made several small debit card purchases, at on wednesday I told my wife to go pay the power bill. I check the bank firday morning and find out that the power payment had cleared, before all of the two and three dollar debit card purchases, I ended up being overdrawn by forty dollars, before they added thier overdraft fees, ten of them, thats right thre hundred and thirty dollars in overdraft fees, and I am supposed to have overdraft protection linked to my savings account (if I overdraft it is supposed to transfer $500 from savings to checking, with only a single fee. I called them and it was useless, they told me there was nothing they could do, that it was a mistake but that htey couldn't reverse any of the charges.
Edited to add: Keep your lectures to yourself, I realize I screwed up and should have kept better track of my balance, but if you tell me that $330.00 is in any way a fair charge for being $39.57 overdrawn I disagree, unless you live in the third world somewhere where the local mob runs the bank.