I was recently told by the a M and T vice president that "the system" determines which checks/web payments/debits are allowed to process . The amount in your bank account is not a factor in the decision as you the account holder are ultimately responsible. The bank then processes the check/debit/web payment and charges insufficient fees as a courtesy to you. The amount of the insufficient fees varies depending on the branch where you opened your account. From what I understood, each branch has flexibility in whether to refund fees and... read full review »