PNC Bank Bank Account Or Service Complaint

PNC Bank Bank account or service department,

Savings account Problems caused by my funds being low Pennsylvania

I subscribe to overdraft protection from PNC Bank, but even with this they charge a $5.00 fee if it is used. On -/-/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - $46.00. Knowing of the $5.00 fee that is assessed, I transferred all $300.00 from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred $46.00 to checking. But, since that money was already transferred - by me - my savings reflected a - $46.00 balance. I did n't realize this until today when I also noticed, for the last - days ( and it would have continued had I not transferred money ) that PNC was charding me $7.00 a day ( my balance in savings as of this morning was - $60.00. How can they charge me for a situation they created? Why would their system allow a transfer from an account that had $0.00. I feel it is unfair and a complete money grab.