You know chbpd I have read your crap for quite awhile and your the nut. A guy from the MA. banking commision mentioned the 1875 rule to me. If you do research on banking on the internet it will pop-up. The other guy is an ass. I tried to educate you about the banks deceptive actions and all you see is the 1875 law. Look it up and stop being a critic. When you taught history at MCLA no one in your class could discuss anything or ask questions. All they could do is listen to your gospel. Maybe it's because you couldn't answer the questions. All you could do is read from your notes. Your class was the most boring class I ever took at the college and I am sure many others would agree. Who's the nut job now. I probably shouldn't have mentioned the 1875 law because you guys won't talk to the MA. banking commission like I did. There were laws placed on the books concerning bankings' deceptive practices, and he also said this also applies to Obama's new banking regs that went into efect in Aug. I didn't mention the law applied to checking or debit cards. I ment the deceptive practices, but the fact is the I wanted to bring to everyone's attention the fact that the bank is cheating everyone and evidently neither of you can do the math on your own check balances to figure this out, so go back to school and learn how the balance a check book.