x2 except mine waited like 3 months till i had no money in my account then charged me for my card and then charged me more for overdraft fees. I called and bitched that about that one and got my 60$ back though, but yeah, it does happen, and they wait till they can fuck you with it.
On a side note the dude i called gave me my $ back like it was nothin, he was just like oh what sorry about those charges theyll be removed, there was like absolutely no fighting.