I just checked my online banking... overdraft interest charge... wtf.. my balance is almost the FDIC limit... I call them up... tell them nothing was pending when I checked online banking and transferred some $ to my personal account from business. Well, apparently there is the fund available for transfer and then cleared funds. Online shows funds available, that doesn't mean a check is cleared yet. I thought that is what pending transactions meant? Nope! Either way though, my balance would have covered any transfers. They gave me some claim number to recoup my $11 interest charge and I will find out soon if I get a refund or a detailed explanation. If I don't get a refund I will threaten to cancel my account (which I will be doing anyways as my business merges into a new corporation). Things like this piss me off, they aren't taking my $11. Can anyone recommend a better bank for a business account in the meantime?