I was one of those who did not balance my books, but when I did, Regions still double and triple charged fees. I had to talk with Russ a corporate supervisor in the customer service department after the other representatives were unable to explain it to me. I made 4 transactions on the same day and kept each transaction in my ledger, subtracting the purchases from the one before. I realized the last charge overdrew the account by 2.76 and understood I would be charged a fee of 35, making the account a -37.76. They charged the fee, while the transaction was pending, so the balance was -37.76. Pending transactions are held by the vendor, not the bank, but the bank does subtract it from your available (duh). I figured I would only be charged the one fee since it was only one transaction that overdrew the account. However, once the transaction posted (on the now negative account--even though the transaction was pending and the amount was held out of the account and no other transactions were made other than the NSF fee on the pending amount), they charged me again, making the account overdrawn by 87.30 . Even though I added and subtracted and deserved only one fee, the bank's processing warranted another. Russ said nicely and plainly, "Yes, we technically charged you triple for the same transaction that caused your account to be overdrawn, even though the pending transaction amount was taken out of your available. Thankfully, no other transactions were made or you would be overdrawn by hundreds." At that point, I was amazed by his honesty, at the corporate level, that I didn't fight it any more. Instead, I pledged to stop living check to check, made a deposit to cover the overdraft AND opened a savings account with Regions that would help with any overdrafting transactions so I won't be charged fees. Their customer service is ****, but the bank is in the business of making money, not just storing it. I was one of those people whining about the fees, but now with I have a better understanding of how to make the bank work for me and not work off me.