For the first time in twenty years I made a mistake in my checkbook. I am on Social Security and have no other monies. When my checks bounced, the bank charged each check PLUS a $6.95 daily penalty. By the time my direct deposit check came in, Citizens took $275 which I can ill afford. The manager told me the overdraft charges are designed for mortgage holders. I do not have a mortgage. Why doesn't the bank design fees for the poor?? For $30 a year I can have overdraft protection. Sounds like extortion. read full review »