So it occurred to me today, 8 $35 overdraft charges later, the US Federal Bank is doing everything in it's power to keep financial institutions from going under, yet banks are still taking peoples homes and extorting US citizens $280 over $48.12 worth of overdrafts this time. All this because they failed to post overdraft fees in a timely manor and I wanted to replace a few of my tools which had been stolen the month before. Sounds to me like that should fall under my insurance policy!