Fee You To Death - Bank Of America's Cousin

My family has been with NFCU since the early 90's and I guarantee you this is not the bank that my Grandfather joined or the one I joined.  They have a new system that back dates purchases.  They have made it increasingly confusing to figure out how funds are taken from your account so that they can nickle and dime you $29 returned check fees every chance they get.  

How on earth does the bank charge me a $29 fee for a check of $175 when there was a balance of $1311????  Oh it's because a restaurant charged my card three times and voided it twice but because the two voided charges were pending it bounced the check among other bills that went through.  All of which had enough funds to cover them.

Ok I can see how this can happen, the timing was off on it all, but when I call to state why this happened and the CSR agent agrees that it wasn't my fault and that there was plenty of money in there to cover the check, she then tells me that because they refunded a $29 fee in April for me that they won't be able to do it again.  Next time, because it is too late to do it now, I should contact the restaurant and have them fax over documentation stating that they charged the account too much and to take the pending charges off.  WHAT!?!?!  

I told the CSR agent that this was the last time they would be taking a $29 fee from me and that I would be closing my account.  I said it was completely ridiculous for me to have to try to get a restaurant... A RESTAURANT.. to fax documentation over stating that the charges can come off.  And I have to do that before the fee hits.  So what if that was a Saturday night and everything went through Monday morning.  I guess I would be ****ed in that situation as well.

It is very sad that I have to leave this bank and I wish I didn't but I will not lose anymore money to NFCU because they want to be like Bank of America.