I tied in reviewing this checking account. I've never had another checking account, but I know it must get better than this. The fees that are charged and the warnings I receive for small issues are awful. Thirty-five dollars for an overdraft, when I was led to believe that my checking and savings accounts were linked was base theft in my mind. I thought that safety precaution was in place for emergencies, and that occasion was just that. They labeled it as a "transfer fee". I will be switching shortly to a more convenient bank in any case.