The problem it sound like alot of you are having with fees is related to floating charges. Most banks used to allow you to charge something on your check card then make a deposit (cash, check, or transfer) and you'd be ok as long as the charge didn't post (meaning it was still pending). However, most banks (including Nat City, Chase, Huntington, and 5/3) have reverted back to the VISA/MC card agreement that goes off of "Begining Day Balance". That means that if you didn't have the money in the account the time that your card was swiped, then you will get an OD fee even if you make a cash deposit or check deposit that will post the same night.
Also, for those of you that don't know... banking is one of the industries that is suffering the most from the economy and mortgage/declining home value crisis that we are seeing. Banks are cutting positions and expenses. They are for profit organizations and OD fees are a huge source of income that the banks project in their profit each year. In short, most banks are being more strick with their fee waivers.
~Jennifer