Wamu fucked me over with all sorts of fee delays. They would hold clearing transactions for days, sometimes even 1+ weeks. Then WHAMMO everything would come out at 11:59 the day before my direct deposit went in and slammed me with 15 overdraft fees.
Since going to BofA I have not once had any issues of the sort. They show pending transactions as they are charged.
Shady fucks.
