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A few years ago TD did the same thing to me, I $400 in cash on a Friday morning, then went mall wandering, bought coffees/sodas/etc. Ended up with like a $20 charge and a bunch of $2 charges.
I had like $15 in my account, and they never deposited my cash, they charged the $20 first, then all the small charges, and I ended up with like $500+ in overdraft fees for about $36 in charges.
After a few hours on the phone arguing with them about how my cash should have been immediately available, they decided to reverse all my fees as a "one time customer service" thing.
I also had another problem a few months ago, where my hosting bill was going to go through on the 25th, I was going to deposit money on the 24th, but they decided to "test" the charge on the 23rd to see if I would have funds available on the 25th, which resulted in 2 overdraft fees for $35 each.
Now I just make ure I have more than enough cash in the bank at all times, even if I have to make my car payment a few days late or something, but it feels like they are holding the money hostage since I don't ever dare to use it =)
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