I had four charges pending on my account from 10/19. I had $300 in the account when my wife charged and paid three bills electronically for $220 each on 10/20. This morning I went online to check my account and noticed $144 dollars in penalties, but still had a balance of $40 dollars and $600 in pending charges. I was going to depositi money today to cover those pending charges. When I called Suntrust, they told me that the unavailable funds penalty(UAF) is done on available balances including pending items. They told me that they put two of... read full review »