[agosnell]

I had a bizarre overdraft charge from Suntrust, as well (although I got them to reverse it.) It happened this summer when I was closing my checking account with them.

The closing date was set to the day that the last scheduled charge was going to hit, and so they gave me my cashier's check with all the funds except the $25 for the last scheduled charge. But there was also going to be a credit for $0.10 in interest on the account (which was necessary to pay the $25 charge.)

Apparently the system was able to calculate all of that properly so that the debit matched up to the funds left in the account on the closing date, but on that day the debit was processed before the 10-cent credit. So they wanted to charge me $75 in fees because of a 10-cent overdraft that their system created!