Striderq
Columbia,#2General Comment
Thu, August 16, 2012
What reason did they give you for zeroing out the available balances? It usually indicates either debit card purchase(s) or the possibility od a check you deposited being returned unpaid. And yes, unfortunately if the available balance isn't in the account to cover a transaction it will be returned causing the NSF fee to be charged.
As far as changing contract terms the bank can do it as often as they want as long as they inform account holders of the change before it happens.