Charles Schwab Bank Bank Account Or Service Complaint

Charles Schwab Bank Bank account or service department,

Checking account Problems caused by my funds being low Nevada

On - - I received - emails regarding my account, both explaining that there were charges pending against my account which would not be able to clear due to nonsufficient funds and I would be charged $25.00 per item unless I made a deposit into my account to cover the drafts before - on - -. That same evening I made a deposit via the bank-owned ATM sufficient to cover both drafts. The next day I received notification that my account was charged - overdraft fees of $25.00 each. I quickly went into a branch and was told that due to the age of the ATM. the deposit made would not be processed until - that day. As the teller was unable to assist me any further, I proceeded to call the bank 's office. I spoke with - representatives and despite my assertion that regardless of the age of the ATM, the deposit was made by the time indicated on the email notices received and therefore should be credited to my account accordingly. Further, I pointed out that the Expedited Funds Availability Act requires the - $200.00 of a deposit that is not already subject to next-day availability to be made available by the - business day following the day of deposit. The deposit amount at the ATM was $20.00 in cash. They were willing to remove - of the $25.00 overdraft fees, but not both. I argue that according to notifications sent to me, timing of my deposit and Reg CC guidelines, I should be reimbursed for both $25.00 fees.